Ezinye iinkcazo ze-401 (k) Amazwi angakuphikisa
Ngelishwa, amaninzi ama-401 (k) amagama anentsingiselo ezimbini.
Kukulungele ukubuza imibuzo ukuqinisekisa ukuba uyayiqonda imiqathango ngaphambi kokuba uhambe. Nazi ezinye iindlela eziqhelekileyo ezisetyenziswayo kunye nokutolika kwazo ezichanekileyo.
401 (k) Ulwahlulo
Igama elithi "ukusabalalisa" lugxininise ngakumbi kuba lungahambelana neziganeko ezahlukeneyo. Cinga nje ngento efana nesambulela kwiindlela ezahlukeneyo zokuthatha imali kwi-401 yakho (k).
Ngokomzekelo, imali ingasasazwa kwisicwangciso sakho kwaye ihambele ngqo kwi-401 entsha (k) isicwangciso okanye kwi-IRA enayo. Oku kubizwa ngokuba yi "rollover," kwaye i-rollover iyabelwa. Kodwa akuyi kubangela nayiphi na isohlwayo ngenxa yokuba imali ayifiki kuwe. Ishukuthela kwelinye utyalo-mali.
Ukwahlula okubakho ukusabalalisa okukwahlukileyo njengokuthi "ukuhoxiswa." Kule meko, iimali zithunyelwa kuwe kwaye uhlawula isheke kwaye uchithe imali.
Kuthiwani ngokuboleka kwi-401 yakho (k )? Oku akuthathwa njengokwabiwa-kungumboleko kwisicwangciso kuwe, kodwa xa ushiya umsebenzi wakho ngaphambi kokubuyisela imali mboleko, ibhalansi yemali esele isetyenziselwa ukuhanjiswa kwaye uya kuba neerhafu kunye neentlawulo.
401 (k) Ukurhoxiswa
Ininzi yexesha-kodwa akusoloko-igama elithi "ukuhoxiswa" lisetyenziswe xa uthabatha imali ngaphandle kwe-401 (k) isicwangciso kwaye uyisebenzise kunokuba uqoqe imali kwi-akhawunti entsha ehlawulwe irhafu. Unokulindela ukuhlawula irhafu xa usasazwa xa uthatha ukurhoxiswa kwaye mhlawumbi irhafu yentlawulo yokurhoxiswa kwangaphambili, kuxhomekeke kwiminyaka yakho ngelo xesha.
Ngokuqhelekileyo awukwazi ukuthatha ukuhoxiswa kwi-401 (k) ngelixa usasebenza kwiinkampani ezixhasa abacwangcisayo isicwangciso sakho, ubuncinane ngaphandle kokuba inkampani ivumela ukuhoxiswa kweengxaki .
Kodwa ukuba unomdala omdala wama-401 (k) kwaye awusebenzela inkampani, ungayithatha imali ngokufaka imali kwi-akhawunti kwaye ufumana isheke okanye ngokuhambisa imali kwi-401 entsha (k) isicwangciso okanye IRA.
401 (k) Utshintsho
Oku kudla ukuthetha ukudlulisela imali phakathi kokukhethwa kotyalo-mali kwisicwangciso sakho. Ungadlulisela imali phakathi kweendlela ezahlukeneyo zokutshala imali kwi-401 yakho (k) isicwangciso ngaphandle kokubandakanya nayiphi na inxaxheba yerhafu, nangona ezinye iimali ngaphakathi kwesi sicwangciso zingakhokhela intlawulo xa uhambisa imali rhoqo. Ngokomzekelo, i-fund ingadinga ukuba uyenayo ubuncinane ubuncinane iintsuku ezingama-30 kwaye uya kuhlawulwa intlawulo xa uthengisa izabelo ngaphambi kwelo xesha.
Igama elithi "ukudluliselwa" lingafaka isicelo ekudluliseni imali kwi-401 (k) kwenye. Unako ukutshintsha imali kwi-401 yakudala (k) icebo elitsha ukuba isicwangciso esitsha sivumela oku, kodwa isigama esetyenziswayo ngokuqhelekileyo "i-rollover" kuba uqokelela imali ukusuka kwelinye icebo lenkampani ukuya kwelinye uhlobo isicwangciso somhlalaphantsi.
401 (k) I-Rollover
Abantu abaninzi abanama-401 (k) izicwangciso abazi ukuba bangakwazi ukuhambisa imali yabo kwi-IRA okanye i-401 (k) kunye nenkampani entsha xa batshintsha abaqeshi, kwaye ukuhamba okunjalo akubangeli iirhafu kunye nezohlwayo.
Olu khetho lusebenza kwakhona xa usebenzela inkampani ephuma kwishishini. Oku akuthethi ukuba imali etyalomali kufuneka isasazwe ngqo kuwe xa ivala iingcango zayo.
Ukuhambisa imali kwisicwangciso esinye ukuya kwesinye okanye kwisicwangciso esiya kwi-IRA "yi- rollover ." Unokuphepha ukuhlawula irhafu kunye nezohlwayo xa uqokelela imali kwi-IRA okanye icebo lenkampani elitsha, kwaye imali iyaqhubeka nokukhula ngomhlala-phantsi wakho. Okanye unako ukurhoxisa njengoko kuyimfuneko kwaye uhlawule irhafu kwiirhafu ezihoxiswayo njengoko uzithatha.
Funda iMigaqo
Funda yonke imigaqo ngaphambi kokuba uthathe inyathelo ukuba ucinga ukuthatha imali ngaphandle kwe-401 (k) isicwangciso sakho. Omnye umgaqo obalulekileyo kunye nabaninzi abantu ababaziyo kukuba isicwangciso sakho sikhuselekile kubaboleki. Ngethuba nje imali yakho isicwangciso, ababoleki kunye nabanini bemgwebo abanako ukufikelela kuyo.
Ngoko qiniseka ukujonga zonke iinketho zakho ngaphambi kokuba uhlawule 401 (k) yakho . Uya kufuna ukwenza konke onako ukugcina le mali ikhuselekile kwaye iyatholakala kwiminyaka yakho yomhlalaphantsi.