Secure Retirement Plan (Qorshaha Howlgabnimada Sugan, SRP)
Dakhli halwgab dheeraad ah oo loogu talagalay daryeel-bixiyeyaasha.
Qorshahan waxaa loo sameeyay si uu kuu siiyo il dakhli oo dheeraad ah markaad hawlgabto. Wey fududahay, wax walwal ma lahan, oo gebi ahaanba waa faa'iido kuu siyaaday adiga!
Wax U Keydsashada Hawlgabka oo Loo Fududeeyay.
Bilow u shaqeynta daryeel-bixiye ahaan, waxaana si toos ah laguugu diiwaangelin doonaa qorshaha kadib 6 bilood oo aad u shaqeyso loo-shaqeeye ka tirsan barnaamijka. Loo-shaqeeyahaaga waxa uu lacag ku biirin doonaa saacad kasta oo u qalmata oo aad shaqeyso. Bisha 7-aad ama 8-aad, waxaad heli doontaa warqad faahfaahinaysa tillaabooyinka aad ku sameesaneyso akoonkaaga oo aadna ku xulaneyso ka faa'ideystaha.
Akoonkaadu gebi ahaanba adiga ayaa iska leh (lacagta adiga ayaa iska leh) waxaana loogu talagalay hawlgabka. Lacagta waxay ku sii jiraysaa qorshaha ilaa aad ka gaarto da’da hawlgabka (badanaa 65 sano). Ma'aha akoon lacag kaydin oo aad isticmaali karto ka hor inta aanad gaadhin da’daas.
Shirkadda Milliman, oo ah maamulaha qorshaha, ayaa maareysa akoonkaaga. Waad geli kartaa akoonkaaga wakhti kasta si aad u eegto hadhaagaaga, u cusboonaysiiso macluumaadkaaga ama dadka ka faa'ideysan doona — xitaa haddii aadan sii ahayn qof u sii shaqeenaya ka daryeel-bixiye ahaan.
Daawo lacagtaada oo badanayso.
Ka qeybgalayaasha Secure Retirement Plan (Qorshaha Howlgabnimada Sugan, SRP) waxeey marin u heli karaan onlaynka akoonkooda hawlgabka.
Eeg baaqigaga ku jiro akoonkaaga.
Marin u hel warbixinada akoonkaada.
Magacaaw ka faa'iidayste.
Su'aalaha Inta Badan La Isweeydiiyo
Sideen uga qeybqaadan karaa Secure Retirement Plan (Qorshaha Howlgabnimada Sugan, SRP)?
Waxaa si toos ah laguu diiwaangelinayaa kadib markaad dhammeysato 6 bilood oo aad u shaqeeneyso ka daryeel-bixiye ahaan oo aadna u shaqeeneyso loo-shaqeeye la daboolay. Warqad Soo Dhaweyn oo ay ku qoran yihiin tallaabooyinka diiwaangelinta ayaa boostada lagugu soo diri doonaa bishaada toddobaad ama sideedaad.
Imisa ayuu loo-shaqeeyahaygu igu tabarucayaa?
Loo-shaqeeyahaagu wuxuu wax kuugu tabarucaa saacad kasta oo aad u qalanto oo aad shaqeyso sida hoos imaata CBA marka aad noqoto kaqeybgale. Tabarucaadyadu wey ku kala duwan yihiin loo-shaqeeyayaasha. Akoonkaagu waa mid si buuxda adigu aad u leedahay, taas oo micnaheedu tahay in aan la lumin karin.
Lacag miyaa laga jaraa jeegayga mushaharka?
Maya. Loo-shaqeeyahaagu wuxuu ku tabarucayaa akoonkaaga SRP saacad kasta oo aad ka shaqeyso shaqo daryeel-bixiye ah oo ku jirta shaqooyinka la daboolay. Tabarucaadaha waxaa lagu go’aamiyaa Heshiiska Gorgortanka Wadajirka ah (Collective Bargaining Agreement, CBA).
Ma isugu tabaruci karaa lacagteyda?
Maya. SRP ma aqbalo tabarucaadaha ka yimaada ka qeybgalayaasha. Haddii aad rabto inaad kaydsato lacag dheeraad ah, tixgeli inaad furato Akoonka Hawlgabka Shakhsiyeed (Individual Retirement Account, IRA). Booqo Washington State Retirement Marketplace (Goob-Suuqeedka Hawlgabka ee Gobolka Washington) si aad u aragto xulashooyinka IRA ee kharashkoodu hooseeyo.
Sideen ku geli karaa akoonkayga?
Waxaad marin u heli kartaa kaaga ah Retirement: Akoonkeyga My Plan ee onlaynka.
Haddii aadan u sii shaqeynin ka daryeel-bixiye ahaan, weli waxaad heysataa marin u helka akoonkaada. Ku ilaali macluumaadkaaga xiriirka kuwii ugu danbeeyay.
Yaa waaye Milliman?
Milliman waa hay'adda ilaalisa diiwaanka SRP. Waxay bixiyaan faahfaahinta akoonka, waxaana lagala xiriiri karaa Isniin–Jimce laga bilaabo 5 a.m. ilaa 5 p.m. lambarka 1-800-726-8303. Turjumaano ayaa la heli karaa.
Yaa go'aaminaya sida lacagtayda loo maalgelinayo?
Hay'addaha SRP waxay jiheeyaan maalgashiyada, kuwaas oo ay maamulaan xirfadlayaal si ay uga caawiyaan lacagtaada inay kobacdo waqti ka dib. SRP waxay isticmaashaa sanduuqyo maalgashi oo ku saleysan taariikhda la beegsanayo oo loo habeeyey taariikhda dhalashadaada.
Sideen u heli karaa lacagteyda, maxeey u jirtaa muddada sugitaanka?
Guud ahaan, waa inaad jirtaa 65 sano ama wax ka weyn si aad u qaadato qaybta lacagta. Laga bilaabo Janaayo 1, 2025:
- Haddii akoonkaagu ay ku jirto lacag ka badan yahay $5,000,waxaa lagu bixin doonaa qaybo bille ah (ugu yaraan $200, oo canshuurta laga jaray).
- Haddii akoonkaaga lacagta ku jirta ay tahay $5,000 ama ay ka yar tahay oo aadan sii ahayn qof shaqeenaya, waxaa lagugu siin karaa hal mar ayadoo dhan ama waxaa loo wareejin karaa IRA kadib muddada sugitaanka ee 24 bilood.
Muddada sugitaanku waxay u jirtaa sabab ah in daryeel-bixiyayaal badan ayaa dib ugu noqdaan shaqada 24 bilood gudahood. Inta lagu jiro muddadan, akoonkaagu wuxuu sii ahaanayaa mid maalgashi ah oo fursad u helaya inuu kobco.
Maxaanan u qaadan karin lacagta oo dhan markaan jirsado 65 sano?
SRP waxaa loo qorsheeyay inuu bixiyo dakhli bille ah marka la hawlgabo, isagoo kaashanaya ilo kale sida Soshal Sekuritiga ama IRA-yada. Daryeel-bixiyeyaasha shaqeeya ka dib da’da 65 sano waxay weli heli karaan qaybaha lacagta bille ah halka tabarucaadka loo-shaqeeyaha ay sii wadaan inay kobciyaan baaqiga akoonkooda.
Sideen uga cusboonaysiistaa macluumaadkeyga xiriirka Milliman?
Milliman waxeey ka heshaa macluumaadkaaga xiriirka ee ugu danbeeyay loo-shaqeeyahaaga. Haddii ay khaldan tahay, si toos ah uga cusboonaysii loo-shaqeeyahaaga. Isbeddeladu waxay qaadan karaan ilaa 45 maalmood iney dhaqan-galaan.
Haddii aadan mar dambe sii ahayn daryeel-bixiye, la xiriir Milliman si aad u hesho foomka beddelka cinwaanka.
Isniin–Jimce laga bilaabo 5 a.m. ilaa 5 p.m. lambarka 1-800-726-8303. Turjumaano ayaa la heli karaa.
Maxaa dhacaya haddii taariikhdeyda shaqo joojintu ay maqan tahay ama khaldan tahay?
Taariikhda joojinta shaqadaada waxaa lagu xisaabiyaa iyadoo lagu saleynayo taariikhda tabarucaadkaagii ugu dambeeyay. Xiritaanka akoonada yaryar ma dhici karaan ilaa 24 bilood ka dib tabarucaadkaagii ugu dambeeyay. Tixraac Soo Koobitaanka Sharaxaada Qorshaha (SPD) ama kala xidhiidh Milliman wixii caawinaad ah.
Sidee kale ayaan lacag ugu kaydsan karaa hawlgabka?
Marka lagu daro SRP, waxaad lacag ku keydsan kartaa adigoo u maraayo:
- Akoonada Hawlgabka ee Shaqsiyadeed (Individual Retirement Accounts, IRA).
- Qorshayaasha kale ee hawlgabeed ee uu maalgeliyo loo-shaqeeyaha, haddii aad u qalanto.
Dukumentiyada qorshuhu waa ku hagaya haddii aad ku khilaafto wixii lagu soo bandhigay Su'aalahan Inta Badan La Isweydiiyo (FAQ).
Taageerada Dheefta Hawlgabka
Haddii aad su’aalo qabto, booqo bogga taageerada ama ka wac wakiilka Milliman Secure Retirement lambarka 1-800-726-8303. Caawinta waxaad ku heli kartaa luuqadaada.
Qorshe U Samaysashada Hawlgabka
Marki laga soo tago akoonkaaga SRP, baro sida ilaha kale ee dakhliga IRA-yada, Sooshiyaal Sekuuritiga iyo kaydadka shakhsi ahaaneed ay kaaga caawin karaan inaad xaqiijiso inaad si raaxo leh hawlgab u noqoto.
Erayada Guud ee Hawlgabka ee Ay Tahay in La Ogaado
Baro qeexitaannada erayada guud ee hawlgabka iyo qeexitaannada aad u baahan tahay si aad u ogaato si aad go’aan uga gaadho mustaqbalkaaga maaliyadeed.
Tilmaamaha Maaraynta Lacagta ee Daryeel Bixiyaha
Raadi kheyraadka mawduucyada sida caawinta cashuurta, qorshaynta hawlgabka, xisaabiyeyaasha hawlgabka, miisaaniyadda iyo wax kale oo badan.
Sida Bixiyeyaasha Daryeelka Uga Faa’iideysan Karaaan Secure Retirement Plan (Qorshaha Howlgabnimada Sugan, SRP)
Compounding Interest: Helpful or Harmful?
