Iinguqu ezincinci kuphela kwi-401 (k) Imida ye-2017
- Iminikelo yokuxhaswa kwemivuzo-le yimali oyifakayo
- Iminikelo yokufumana -Le yongezelelweyo ngemali ongayinayo xa uneminyaka engama-50 okanye ngaphezulu. Sebenzisa iminyaka yobudala bakho ekupheleni konyaka wekhalenda.
- Iminikelo yomqeshi-Le yimali umqeshi wakho unayo kwaye inokuthi ibe phantsi kweshedyuli yokuthenga
Kukho imimiselo emibini yemida-umda kwixabiso eliphezulu ongayifakela njengendlela yokumisa umvuzo-kunye nomda kwixabiso lemali epheleleyo elibandakanya umrhumo wakho kunye nomqeshi wakho.
Imida yomibini ichazwe ngezantsi.
2017 Ulwaphulo lomvuzo 401 (k) Imida yokunikezela
- I-18,000 yeeRhafu yokumisa umvuzo (oko uthathe inxaxheba ukufaka isandla sakho kumvuzo wakho)
- 6,000 Ukufunyanwa (okongezelelweyo 401 (k) iminikelo evunyelwe ukuba uneminyaka engama-50 okanye ngaphezulu. Sebenzisa iminyaka yakho ekupheleni konyaka wekhalenda.
Imida engentla ichaza inani lakho njengomqeshwa unokufaka isandla kwi-401 (k) isicwangciso. Akukho tshintsho kusuka ngo-2016.
401 (k) Iimali zoNyaka zoNyaka zoNyaka ze-2017
Imilinganiselo epheleleyo yeminikelo ibonisa inani elongezelelweyo lemali elivumelekileyo kubandakanyeka kunye negalelo lomqeshi wakho.
- Amawaka angama-54,000 ngonyaka ngonyaka 401 (k) umda wegalelo ukuba uneminyaka engama-49 okanye ngaphantsi
- Iimali ezingama-60,000 ngonyaka ngonyaka 401 (k) umda wegalelo ukuba uneminyaka engama-50 okanye ngaphezulu
I dollar enkulu ebalwe apha ngasentla ibonisa inani elipheleleyo lilonke elinokubanjelwa njengelungelelaniso lakho kunye negalelo lomqeshi wakho.
Umda oneminyaka engama-49 kunye nomncinci omncinane ngasentla yiloo nto ebizwa ngokuba ngumda weCandelo 415. Iminikelo yokubambisa ingenziwa ngokwongezwa kumda weCandelo 415, yintoni eyenza umyinge wama-50 umyinge wexabiso elilinganayo nomda weCandelo 415 kunye negalelo elivumelekileyo lokubambisana.
Ukongeza kwiimali zengeniso evumelekileyo ngasentla ngezinye iinkcukacha unako ukufaka ixabiso lemali eyongezelelweyo kwezinye iindidi zezicwangciso, njengecebo le-457, i-Roth IRA, okanye i-IRA engekho.
Konke kuxhomekeke kwingeniso yakho kunye neentlobo zezicwangciso ezikhoyo kuwe.
401 (k) kubantu abazimeleyo
Ukuba usebenza ngokuzimeleyo unokumisela into ebizwa ngokuba yi-Individual K okanye iSolo K icebo. Oku kukuvumela ukuba uncedise iminikelo yokumisa umvuzo njengomqeshwa kwaye wenze inxaxheba ngemali njengomqeshi.
Iintlobo ze-401 (k) Imirhumo i-IRS ivumela
Amanqaku angama-401 (k) amacebo avumela ukuba ufake imali kwisicwangciso sakho kuzo zonke iindlela ezilandelayo:
- 401 (k) iminikelo yangaphambili yerhafu-Imali ifakwa kwisiseko sokuhlawula irhafu. Uya kuhlawula irhafu kuyo xa uyayikhupha.
- Roth 401 (k) negalelo (ebizwa ngokuba yi-akhawunti ekhethiweyo yeRoth) -Money ungena emva kweerhafu ezihlawulwayo. Yonke inzuzo ayikho inkokhelo yerhafu kwaye awuhlawuli irhafu xa uyihoxisa.
- Emva kwentela 401 (k) iminikelo-Imali ingena emva kwentela ihlawulwa. Inzala iqokelela ukuhlawulwa kwentlawulo, kodwa uya kuhlawula irhafu kwiphina inzuzo xa wenza iirhafu. Ezi ntlawulo zerhafu emva kokuhlawula irhafu zingafakwa kwiRoth IRA xa uthatha umhlalaphantsi.
Ndingakanani na ukuba ndibe negalelo kwi-My 401 (k)?
Uninzi lwexesha, ubuncinci, ufuna ukufaka isandla esaneleyo kwi-401 (k) ukufumana yonke iminikelo yokufanisana nomqeshi ekhoyo kuwe. Uhlalutyo olucokisekileyo kunye nokucwangcisa irhafu kufuneka kusetyenziswe ukuchonga uhlobo okanye iintlobo zee-401 (k) iminikelo (oko kukuthi iminikelo echithwayo okanye i-Roth iminikelo) iya kunenzuzo kuwe.
Ndingayisebenzisa njani imali yam 401 (k) Imali?
Kuya kufuneka kwakhona ukuba ucinge indlela yokutshala yakho 401 (k) imali. Uninzi lwama-401 (k) izicwangciso zinikela ngeNgxowa-mali yeThagethi , apho ukhetha i-fund kunye nomnyaka wekhalenda ecaleni kunyaka wakho womhlalaphantsi oyifunayo. Le mali ikhona neepotfoliyo zemizekelo ongakhethayo, izixhobo eziku-intanethi ukukunceda ukuba uhlole ingozi efuna ukuyithatha, kwaye ziziphi iimali ezikhethiweyo eziya kufana.
Ndingayifumana njani Imali kwi-401 yam (k)?
I-401 yakho (k) imali ijoliswe kumhlalaphantsi. Akulungele ukuthabatha imali ngaphandle kokufaka ilahleko ephezulu yemali ngelixa usasebenza. Yakhiwe ngaloo ndlela ngenjongo yoko uyanyanzelekile ukuba uvumele ukuba imali ikhule ekusebenzeni kwakho kwexesha elizayo.
Ixesha elidlulileyo 401 (k) Imida yokuPhulwa kweeNkcazo zoNyaka
| Unyaka | Ulwabiwo lomvuzo | Ukufumana okudlule |
|---|---|---|
| 2017 | $ 18,000 | $ 6,000 |
| 2016 | $ 18,000 | $ 6,000 |
| 2015 | $ 17,500 | $ 6,000 |
| 2014 | $ 17,500 | $ 5,500 |
| 2013 | $ 17,000 | $ 5,500 |
| 2012 | $ 16,500 | $ 5,500 |