Abasetyhini kudala besalele ngasemva kwamadoda ukuba bangakwazi kangakanani ukugcina imali yomhlalaphantsi, kodwa uphando olutsha lwe-TIAA lutyhila indlela ubhubhane owandisa ngayo umsantsa.
UPhando lwezeMali lwe-TIAA lowama-2022 luqaqambisa ingxaki:
• Ngowasetyhini omnye kwabathathu (31%) kuphela abongela umhlalaphantsi, xa kuthelekiswa nama-44% amadoda.
• Amadoda amaninzi (35%) aziva ezithembile ukuba asendleleni yokuphila ubomi obutofotofo ngalo lonke ixesha lomhlalaphantsi ngaphandle kokuphelelwa yimali, xa kuthelekiswa ne-19% yabasetyhini. Kwi-survey ye-TIAA ka-2013, inqanaba lokuzithemba ngokwesini ngalinye lokuba bonga ngokwaneleyo ukuze bathathe umhlala-phantsi bahluka ngeepesenti ezisi-9 kuphela.
• Konke kuxeliwe, i-80% yamadoda ayigcinele imali yomhlalaphantsi, xa kuthelekiswa nama-63% abasetyhini. Oko kwahluke kakhulu kunedatha ye-2017 eqokelelwe yi-US Census Bureau's Survey yeNgeniso kunye neNkqubo yokuThatha inxaxheba (SIPP). Ilinganisa ukuba ngaba amadoda nabasetyhini abaneminyaka engama-55 ukuya kwengama-66 banalo naluphi na ugcino lomhlalaphantsi lomntu kwaye bafumana umahluko wepesenti ezi-3 kuphela.
“Abasetyhini ngoku bajongene nomngcipheko omkhulu wokuba bangakwazi ukuthatha umhlala-phantsi okanye baphelelwe yimali xa besenza,” utshilo uSnezana Zlatar, intloko ye-TIAA yeeNgcebiso. “Okukhona le ngxaki ikhula, kokukhona singakwazi ukwenza inkqubela kubasetyhini nakuluntu ngokubanzi.”
Inkampani yophando ezimeleyo iqhube uphando lwe-TIAA, i-polling 3,008 abantu baseMelika abaneminyaka eyi-18 nangaphezulu kuluhlu lwezihloko zolawulo lwemali.
Iziphumo zigxininisa enye inkcukacha-manani ekhwankqisayo: Xa abasetyhini beyeka ukusebenza, imali yabo yomhlalaphantsi notyalo-mali ingenisa malunga ne-30% yomvuzo ongaphantsi kowamadoda, ngokutsho kwe-Organization for Economic Co-operation and Development (OECD).
Lo bhubhani wenze izinto zaba mandundu ngakumbi, njengoko baphantse babe zizigidi ezi-2 abafazi abashiye abasebenzi ukusukela ngo-2020, ngokutsho kwe-US Bureau of Labor Statistics. Abafazi abaninzi kwakufuneka bakhulise abantwana okanye banyamekele izalamane zabo ezalupheleyo, kodwa uninzi lwemivuzo yabo elahlekileyo nokongiwa kwabo akunakuze kuhlawulwe.
Akumangalisi ukuba uphando lwe-TIAA lwafumanisa ukuba abafazi abaninzi (29%) kunamadoda (19%) banenkathazo yokuhlawula amatyala enyanga, kubandakanywa izinto eziluncedo, irenti, iintlawulo mboleko kunye namakhadi okuthenga ngetyala.
Kwaye ngelixa amadoda kunye nabasetyhini besithi bangathanda ukusebenza nabacwangcisi bezemali okanye abacebisi botyalo-mali, yi-22% kuphela yabasetyhini abayenzayo, xa kuthelekiswa ne-36% yamadoda, ebonisa omnye umqobo onokubakho kwimpilo yezemali abafazi abajongene nayo.
Iziphumo zophando ziqinisa isizathu sokuba i-TIAA idibanise imikhosi ekuqaleni kwale nyanga kunye nabanye abadlali abanempembelelo kunye nabaqeqeshi kwi-WNBA kunye ne-NCAA ukugqamisa isithuba sokulungela umhlalaphantsi kwabasetyhini. Umzamo omtsha uya kunceda ukukhuthaza, ukufundisa kunye nokucela umngeni kuye wonke umntu ukuba #retireinequality.
“Kungxamisekile ngakumbi ukuba abasetyhini baqonde imimoya emininzi abajongana nayo ngaphambi kokuthatha umhlalaphantsi ukuze bathathe amanyathelo okunciphisa kwangoko,” utshilo uZlatar. "Kukho iindlela ezahlukeneyo zokuthi abasetyhini bafumane uncedo, njengokuthatha inxaxheba kwizicwangciso zomhlalaphantsi ezixhaswe ngumqeshi kunye neenkqubo zempilo yezemali, kunye negalelo kwizisombululo zomvuzo oqinisekisiweyo wobomi bonke ukunceda ukuphepha ukuphelelwa yimali kumhlalaphantsi."
INTO ONOKUYITHATHA KWELI NQAKU:
- The survey results reinforce the reason TIAA joined forces earlier this month with some of the most influential players and coaches in the WNBA and NCAA to highlight the gap in women’s retirement readiness.
- Kwaye ngelixa amadoda kunye nabasetyhini besithi bangathanda ukusebenza nabacwangcisi bezemali okanye abacebisi botyalo-mali, yi-22% kuphela yabasetyhini abayenzayo, xa kuthelekiswa ne-36% yamadoda, ebonisa omnye umqobo onokubakho kwimpilo yezemali abafazi abajongene nayo.
- “There are different ways for women to get help, such as participating in employer-sponsored retirement plans and financial wellness programs, and contributing to guaranteed lifetime income solutions to help avoid running out of money in retirement.
