Kubonakala kubulula ukuvula i-401 (k), ugcwalise iifom uze uthumela kwiofisi yakho yobuncwane, kungekudala uza kubona ukuxothwa kubonakaliswe kwi-stub yakho yokuhlawula, kwaye ke uqala ukufumana izilinganiso ze-akhawunti kwi-imeyile ngonyaka. Kodwa kuthekani ukuba unemibuzo eyongezelelweyo malunga ne-401 yakho (k), noluhlu lweembuzo eziyisixhenxe eziqhelekileyo ezibuzwa malunga ne-401 (k).
01 Ndingayichazela njani ukuba ndibekwe kwi-401 yam (k)?
02 Ndingayifaka njani i-Rollover My 401 (k)?
Xa lixesha lokutshintsha imisebenzi, kwaye uqhubela phambili kwizinto ezingcono nakakhulu, ungashiyi emva kwakho 401 (k). Akunzima ukuhlawula i-401 (k) yakho kwi-IRA yendabuko, kwaye iya kukunceda ngemali kwixesha elizayo. Ukuba unemivuzo engaphantsi kwama-5000.00 kwi-401 yakho (k), umqeshi wakho wangaphambili unokugqiba isigqibo sokukususa kwisicwangciso. Bakukuthumela isheke ukuba inani li-$ 1000.00 okanye ngaphantsi. Ukuba kukho imali eyi-1000.01- $ 5000.00 baza kuluhlula kwi-IRA.
03 Yintoni endiyenzayo xa ndidibana nomdlalo wam Umqeshi?
Kubalulekile ukuba usebenzise inxaxheba nawuphi na umdlalo umqeshi wakho akunika wona. Le yimali yamahhala eya kukunceda i-akhawunti yakho yomhlalaphantsi ukuba ikhule, kodwa emva kokuba ufikelele kuloo mlinganiselo kufuneka uqwalasele ezinye iindlela zokuthatha umhlalaphantsi? Unokufuna ukudibanisa kancane ngokuvula nokunikela kwi-IRA. Le nto inokukhetha ukuba unika umrhumo wakho ovumelekileyo kwi-401 (k) .
04 Ngaba kufuneka ndikhethe i-Traditional 401 (k) okanye iRoth 401 (k)?
Ukuba umqeshi wakho ukunika ithuba lokukhetha phakathi kwemveli okanye iRoth 401 (k), unokungaqiniseki malunga noko ukhetha. I-Roth 401 (k) ithathwa emva kwentela, kodwa ikhula ihlawule irhafu, ngelixa isithethe sithathwa ngaphandle kweerhafu, kodwa uhlawulwa irhafu kwiimali zakho.
05 Ngaba kufuneka Ndiyiqonde Iintlobo ezahlukeneyo zeeMali eziManyeneyo kwi-401 yam (k)?
Kuhlala kulungile ukuqonda iimali ezibekelwe imali yakho. Kufuneka ubuncinci uqonde iintlobo ezisisiseko zeemali kunye kunye neengozi ezinxulumene nazo. Oku kuya kukunceda wenze ukhetho olukhululekile xa ukhetha apho utyalo imali yakho. Ukuba unemibuzo, unokucela ummeli wakho wobonelelo ukuba anike inkcazelo ebalulekileyo. Qinisekisa ukuhlaziya ama-401 (k) iingxelo rhoqo ukuze uqonde indlela utyalo-mali owenza ngayo.
06 Ngaba kufuneka ndiphume i-401 (k) Ingxowa?
I- 401 (k) mboleko kukuvumela ukuboleka imali kwi-401 yakho (k). Nangona kunjalo, kufuneka uyihlawule kwiminyaka emihlanu kwaye kukho imida kwizinto onokuboleka ngazo. Ukuba ufumana umsebenzi wakho okanye ulahlwe, ibhalansi ihlawulwe ngokupheleleyo okanye uya kulindeleka ukuba ukhokhe irhafu kunye nezohlwayo njengokungathi uthathe intlawulo. Oku kufuneka kube yinto yokugqibela kwisimo sakho.
07 Kuthiwani ukuba andiyizilungelo kwi-401 (k)?
Ufanele uqalise ukuguga, nangona ungakulungele ukufumana u-401 (k) ngokukhawuleza. Isisombululo esilula kukufaka isandla kwi- IRA , kodwa kukho iikhokhelo ezikhoyo xa usebenza ngokuzenzekelayo . Unako ukwenza iminikelo yenyanga kwi-IRA kwaye uyivule indlu yotyalo-mali ngaphandle kwesixa-mali esikhulu sokutyala. Qinisekisa ukuba ukonga ukuthatha umhlala-phantsi kukubaluleka ngenxa yokuba iintlawulo zakho zoKhuselo lweNtlalo akunakwenzeka ukuba uvumeleke ukuba uthathe umhlalaphantsi ngokukhululekile.
08 Yintoni endiyenzayo kunye ne-401 yam (k) Xa ndiguqula imisebenzi?
Xa utshintshe imisebenzi, unakho ukhetho lokushiya i-akhawunti yakho engama-401 (k) kunye nomqeshi wakho omdala, okanye unokufuneka ukuba uyithumele kwenye i-akhawunti. Oku kungase kusekelwe kumgaqo-nkqubo womqeshi okanye imali ekhoyo kwi-401 yakho (k). Ukuba ufunwa ukuba uyisuswe, ngoko kufuneka uyiqhube kwi-IRA. Kulungile ukuba uyifake kwi-IRA efanayo, njengama-401 (k) iakhawunti enayo, nokuba yindabuko okanye i-Roth, ukuze ungakhathazeki ngokuhlawula irhafu okanye ukutshintsha imeko yerhafu ngemali . Khumbula ukuba uya kulahlekelwa nayiphi na iminikelo yomqeshi wakho ukuba awukabikwa ngokupheleleyo kwi-401 yakho (k).