Okufuneka Ukwazi Ngaphambi kokuqwalasela i-401 (k) Inkcitho
401 (k) Ukuhlawulwa kwemali
Inzuzo enkulu kunama-401 (k) mboleko kukuba ungumboleki kunye nomboleki-mboleko, ngoko uyazihlawula ngentshisekelo.
Ukuba ufuna ukuboleka imali, kungcono kunokuhlawula omnye umntu. Inzala ozihlawulayo yerhafu echazwe ngentela, oku kuthetha ukuba ivela ngqo kwi-paycheck yakho yokubhalwa kwentela kwaye awuyi kuhlawula irhafu kuyo kuze kube ngu-401 (k) isasazwa emva komhlalaphantsi.
Unqumla zonke izicelo zemali-mboleko kunye neentlawulo zokusebenza ezingabongeza kwi-mboleko yakho mboleko. Kwaye i-401 (k) imali-mboleko iqhutywa ngokukhawuleza kwinqanaba lomdla. Kufuneka usebenzise, kodwa awuyi kuguqulwa. Ezi mboleko zimbalwa ukuba kukho nayiphi na imiqobo kwaye akukho hlotshelo lwekhredithi olufunekayo. (Kwaye okungazalisekiyo kulolu hlobo lwemboleko alinayo impembelelo efanayo yekhredithi ukuba yayiya kwimboleko yemveli.)
401 (k) Imida kunye nezikhawulelo
Ngokuqhelekileyo, abantu ngabanye bavunyelwe ukuboleka 50% yabo 401 (k) ibhalansi yekhawunti ukuya kuma-50,000. Basenokuba nomyinge ubuncinane be-$ 1000. Imigomo ye-401 (k) mboleko ngokuyiminyaka emihlanu okanye ngaphantsi.
Ukuba usebenzisa imali ukuthenga ikhaya, unako ukufumana ixesha elide lokuhlawula ixesha elide ukuya kwiminyaka eyi-15. Njengomnini we-akhawunti ye-401 (k), unokugqiba ukuba yiyiphi impahla ehlawulekayo ukuyiboleka kuyo, ukuze ukwazi ukuboleka imali ngaphandle kokuba uthinte utyalo-mali owenza ngcono. Isicwangciso sakho somlawuli singakunika umda wemida kunye nemingcele ethile kwiakhawunti yakho.
401 (k) Ukuhlawulwa kwemali
Kukho izimbini ezibalulekileyo ezinkulu kwi-401 (k) mboleko. Okokuqala kukuba usebenzisa imali eyayikusebenzela yona. Iindleko zithuba, ngenxa yokuba ulahlekelwa kukukhula. (Ukulungelelanisa, ungaphoswa kwimarike embi, enokuba yinto enhle.) Ngokuqinisekileyo, unomdla njengomboleki, kodwa akusiyo inqanaba eliphezulu.
Okwesibini ukungonakali kuyinokwenzeka yokusilela. Ukuba ulahlekelwa ngumsebenzi wakho okanye ushiye umsebenzi wakho, izicwangciso ezininzi ziya kufuna ukuba uhlawule umboleko phakathi kweentsuku ezingama-60. Emva koko, kuya kuthathwa njengokwabiwa kwi-401 yakho (k). Uyakuhlawulwa irhafu ngemali, kunye kunye (ukuba uncinci kune-59 ½) umrhumo wehlawulo we-10%. Khawucinge ngeso simo osibeka kuyo kwaye ngokukhawuleza ukhe ukhethe phakathi kwepropati ebolekileyo yemali okanye umrhumo weerhafu. Oku kuya kwenzeka lula ukuba uthatha i-401 (k) mboleko. (Kukho ukuxolelwa kwi-401k zohlwayo zangaphambili .
Ngaba Ufanele uthathe i-401 (k) Ingxowa?
Umgca ongundoqo ufuna 401 (k) ukukhuthaza umhlalaphantsi okhuselekileyo. Naliphi na into ebeka loo mngcipheko kufuneka iqwalaselwe ngenyameko. Ukuba kuphela okunye okukhethiweyo kukukrazula imali ngaphandle kwe-401 yakho (k) ngokupheleleyo, ngaphezu kokuba umboleko uyindlela engcono.
Nangona kunjalo, ukuba unayo nayiphi enye indlela, yishiya 401 (k) yedwa .
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.