401 (k) izicwangciso zibalulekileyo ekucwangciseni umhlalaphantsi. Nantsi indlela yokwenza ingqiqo kubo.
Kutheni ubhalisa kwi-401 (k) icebo
I-401 yakho (k) isicwangciso sikwenza ukwazi ukuzisebenzisa ngokuzenzekelayo ukukhula kwentela.
Ngokupheliswa ngokukhawuleza kwezicwangciso zempesheni-mali ezichazwe ngokugqithisileyo kunye nokungaqiniseki okukhulu malunga noKhuselo loLuntu, ukugcina umhlalaphantsi ngokwakho kuya kuba nzima.
Indlela yokuBhalisa kwi-401 (k) icebo
Nangona ezinye iinkampani zibhalisa ngokuzenzekelayo abasebenzi kwi-401 (k) izicwangciso, unokufuna ukugqiba ifom elula ukuba uthathe inxaxheba kwisicwangciso sakho. Uya kugqiba ubuninzi bokugcina kunye nokukhetha ukhetho lwakho lokutsalwa. Ungaxhalabi! Imali oyilondolozayo, indlela otyalo-mali ngayo, kwaye kunye nokuthatha inxaxheba yakho kwi-401 (k) isicwangciso zonke izigqibo onokutshintsha nanini na.
I-401 (k) Isicwangciso se-Employment-Related
Unokuthatha inxaxheba kuphela kwi-401 (k) icebo ukuba umqeshi wakho akuvumela ukuba wenze njalo. Umqeshi wakho makabonelele ngesicwangciso kwaye kufuneka ufanele ukuthatha inxaxheba. Ngoko ke, awukwazi ukuseka i-401 (k) isicwangciso sakho. (Nangona kunjalo, ukuba usebenza, unako ukumisela i- Akhawunti yoMhlala-phantsi (IRA) ngasese.
Ukuba usebenza ngokuzimeleyo, uya kuba nezinye izikhetho zokuthatha umhlalaphantsi kwakhona.) Isihluthulelo kukugwema ukulahlekelwa ngeli thuba elibalulekileyo lokugcina umhlalaphantsi. Ukungaphumeleli kwiintlawulo zerhafu ezingama-401 (k) izicwangciso kunye nemigangatho ehambelanayo yizona mpazamo ezinkulu abantu abazenzayo xa beqala umsebenzi omtsha.
Unokwenza Uninzi Kangakanani kwi-401 (k) Cwangcisa?
Isixa osilondolozayo kwisicwangciso sakho se-401 (k) sisoloko sibizwa ngokuba yipesenti yakho yenkxaso. Ukuba umvuzo wakho ophezulu u-$ 3,000 kwaye ungathanda ukubeka i-$ 300 yekhekhe ngalinye kwi-401 (k) isicwangciso sakho, kuya kufuneka ucacise ipesenti yegalelo ye-10%, ukususela kwi-10% ye-$ 3,000 eyi-$ 300.
401 (k) Cwangcisa iMingal Limits
Ngonyaka we-2017, uninzi unakho ukufaka isandla kwi- 401 (k) yi-$ 18,000. Ukuba uneminyaka engama-50 okanye ngaphezulu, unokuba negalelo lama-24,000. Umqeshi wakho unokunyusa umlinganiselo wemali ovumelekile ukuba negalelo. Qaphela ukuba imida yegalelo ye-IRA ihluke ngokupheleleyo.
401 (k) Cwangcisa umrhumo wokugqibela
Ngokungafani ne-IRA, akukho zihlandlo zokuhlawula. Nangona kunjalo, ngokukhawuleza ukubhalisa, ngokukhawuleza ungaqalisa ukugcinwa kweerhafu ngokumalunga nomhlalaphantsi wakho.
401 (k) Ukucwangcisa ukukhutshwa kweRhafu
Njalo rhoqo 401 (k) negalelo ngokukhawuleza kunciphisa imali engenayo engenayo. Ngokomzekelo, umntu ngamnye kwi-bhaskiti yentela ye-25% eyenza igalelo le-$ 100 kwi-401 (k) icebo liza kusindisa ngokukhawuleza i-$ 25 kwiirhafu. (25% x $ 100). Nangona i-401 (k) ibhalansi yenyuka ngexabiso elipheleleyo le-$ 100 401 (k) negalelo, ukuhlawula kwakhe kuphela kuhla nge-$ 75! Ngelishwa, i-401 (k) negalelo ayinciphisi imali ekufuneka uyihlawule kwi-FICA kunye neerhafu zemirhumo.
I-401 (k) Izicwangciso Zinikela ukuKhula kweRhafu echaziweyo
Ekubeni imali kwi-401 yakho (k) isicwangciso sikhula i-tax-backerred, awuhlawuli irhafu kwi-akhawunti yakho. Enyanisweni, awuyi kubika ingeniso kwi-IRS. Kuze kube yilapho uthabatha imali yakho kwi-401 (k) isicwangciso, ngokufanelekileyo ngexesha lomhlalaphantsi, ukuba uhlawulwe irhafu.
Ukutshala imali yakho 401 (k) Imali
Ukutshala imali yakho 401 (k) imali ibaluleke kakhulu ekukhuleni kwayo kwexesha elide. Isicwangciso sakho sokutyalo kufuneka sitshintshe ngokuhamba kwexesha. Osemncinci wena, ulwabiwo oluninzi lwazo lweempahla kufuneka lube yintsikelelo, eyona nto ithetha ukunyuka kobunini bempahla. Njengoko usondele okanye ufaka umhlalaphantsi, i-401 yakho (k) ibhalansi kufuneka iqale ukubonisa ukuba inkohlakalo ayifanele kakhulu, kwaye kufuneka ube negalelo elincinci lemali yakho yomhlala-phantsi otyalomali kwiisitokisi.
Akukho Mithintelo yeNgeniso yokuthatha inxaxheba kwi-401 (k) Isicwangciso
Ngokungafani nezinye iirhafu ezichithwayo kunye neengxowa-mali, ukufaneleka ukufaka isandla kwi-401 (k) isicwangciso asikhutshwanga naliphi na izinga eliphezulu lemali engenayo.
Umqeshi ofanayo 401 (k) Cwangcisa iNkqubo
Abaqashi abaninzi banika inkxaso enxulumene nabasebenzi babo 401 (k) izicwangciso. Kwinkqubo ehambelana nomqeshi , inkampani ibeka imali kwi-401 (k) isicwangciso somntu ngamnye owenza igalelo kwi-401 (k) icebo. Ukuba ukhetha ukungabandakanyeli kwisicwangciso sakho se-401 (k), ulahlekelwa ngolu galelo olufanayo. Yingakho ukungabandakanyekanga kwi-401 (k) icebo eliphezulu kumdlalo womqeshi udla ngokuba ngumntu ongenakho imali.
Ukwandisa i-401 yakho (k) iminikelo ngexesha
Amanqaku angama-401 (k) amacebo anikezela ngamanqanaba okunyuka kwamaxabiso okuzenzekelayo ukuba unyuse kancane kancane iminikelo. Ngomlinganiselo wokunyuka kwegalelo ugcina ukulawula umlinganiselo kunye nexesha lokunyuswa kwegalelo elizayo. Ezinye iinkampani zize zikhethe ukuzibhalisa ngokuzenzekelayo izithuba ezintsha kwiiplani zomhlalaphantsi kunye nokukwazi ukuphuma kwizinga lokukhula kwexabiso. Le ndlela "uyibeke kwaye uyikhohlwe" indlela inokubonelela ngokubaluleka okukhulu ekugcinweni kwakho komhlalaphantsi.
Ukwabiwa okufunekayo ukususela kwi-401 (k) Izicwangciso
Kwiimeko ezininzi, kufuneka uqale ukuthabatha imali kwi-401 yakho (k) isicwangciso sokuqala kunyaka emva kokufikelela kuma-70 1/2. Inani elifunekayo lokusabalalisa elincinci limiselwe yiNkonzo yeNgeniso yangaphakathi kwaye isekelwe kwixesha lokuphila kwakho.
Ukuhlaziywa nguScott Spann