Matan da ke cikin haɗarin rashin samun damar yin ritaya

Mata sun dade a bayan maza a nawa suke iya tarawa don yin ritaya, amma wani sabon bincike na TIAA ya nuna yadda cutar ta kara fadada gibin.

Binciken Lafiyar Kuɗi na TIAA na 2022 yana nuna matsalar:

Kimanin kashi 31 cikin 44 na mata uku ne kawai ke tanadi don yin ritaya, idan aka kwatanta da kashi XNUMX% na maza.

Yawancin maza (35%) suna jin kwarin gwiwa cewa suna kan hanyar rayuwa cikin jin daɗi a duk lokacin da suka yi ritaya ba tare da kuɗaɗe ba, idan aka kwatanta da kashi 19% na mata. A cikin binciken TIAA na 2013, matakin amincewa kowane jinsi na ko suna tanadi isashen ritaya ya bambanta da kashi 9 kawai.

• Duk abin da aka ce, kashi 80% na maza sun tanadi akalla wasu kudade don yin ritaya, idan aka kwatanta da kashi 63% na mata. Wannan ya sha bamban sosai da bayanan 2017 da Ofishin Kididdiga na Amurka ya tattara ta Binciken Kuɗi da Shiga Shirin (SIPP). An auna ko maza da mata masu shekaru 55 zuwa 66 suna da kowane tanadi na ritaya na sirri kuma sun sami bambanci na maki 3 kawai.

"Mata a yanzu suna fuskantar babban haɗari na ko dai ba za su iya yin ritaya ba ko kuma su rasa kuɗi lokacin da suke yin hakan," in ji Snezana Zlatar, shugabar shawarwarin shawarwari na TIAA. "Yayin da wannan matsalar ke karuwa, kadan za mu iya samun ci gaba ga mata da al'umma gaba daya."

Wani kamfanin bincike mai zaman kansa ya gudanar da binciken TIAA, inda ya jefa kuri'a 3,008 Amurkawa masu shekaru 18 da haihuwa a kan batutuwan sarrafa kudi da dama.

Sakamakon binciken ya nuna wata ƙididdiga mai ban mamaki: Da zarar mata sun daina aiki, ajiyar kuɗin ritaya da jarin da suke yi na samar da kusan kashi 30 cikin XNUMX mafi ƙarancin samun kudin shiga fiye da na maza, a cewar Kungiyar Hadin Kan Tattalin Arziki da Ci Gaba (OECD).

Barkewar cutar ta kara dagula al'amura, yayin da kusan mata miliyan 2 suka bar aiki tun daga shekarar 2020, a cewar Ofishin Kididdiga na Ma'aikata na Amurka. Mata da yawa suna buƙatar taimakawa wajen renon yara ko kula da ’yan’uwa tsofaffi, amma yawancin abin da suka rasa da kuma ajiyar kuɗi ba za a taɓa dawo da su ba.

Ba abin mamaki ba ne, binciken TIAA ya kuma gano cewa yawancin mata (29%) fiye da maza (19%) suna fuskantar matsalar biyan kuɗin wata-wata, gami da kayan aiki, haya, biyan lamuni da katunan kuɗi.

Kuma yayin da duka maza da mata suka ce suna son yin aiki tare da masu tsara kudi ko masu ba da shawara kan zuba jari, kashi 22% na mata ne kawai ke yin, idan aka kwatanta da kashi 36% na maza, wanda ke nuna wata matsala mai yuwuwa ga lafiyar kuɗin kuɗin da mata ke fuskanta.

Sakamakon binciken ya karfafa dalilin da TIAA ta hada karfi da karfe a farkon wannan watan tare da wasu fitattun 'yan wasa da masu horarwa a WNBA da NCAA don nuna gibin da ke tattare da shirin ritayar mata. Sabon kokarin zai taimaka karfafawa, ilimantarwa da kuma kalubalantar kowa don # ritayar daidaito.

Zlatar ta ce "Yana da matukar gaggawar cewa mata su fahimci yawan iskar da suke fuskanta kafin yin ritaya domin su dauki matakin rage matakin da wuri," in ji Zlatar. "Akwai hanyoyi daban-daban na mata don samun taimako, kamar shiga cikin shirye-shiryen ritaya na daukar nauyin aiki da shirye-shiryen jin dadin kuɗi, da kuma ba da gudummawa ga tabbatar da hanyoyin samun kudin shiga na rayuwa don taimakawa wajen guje wa rashin kuɗi a cikin ritaya."