I-Top 401 (k) Izigwebo ezinokuthi zibuhlungu i-Nest yakho yomhlalaphansi
Ngokukufundisa oko bakuyo, ndiyathemba ukukunika ithuba elingcono lokungayazi kuqala intlungu yokuba nemali ethathwe kuwe emele ihlale ephaketheni lakho.
Ukuqala 401 (k) Isigwebo sokuPhepha yintlawulo ye-Early Payment ye-10%
Ukutshintshana kwezinto ezininzi zentlawulo kunye neenzuzo zokukhusela iimpahla ezinikezelwa kubatyalo-mali abathatha inzuzo o 401 (k) icebo, iCongress ibeka imithetho ethile ngokungqongileyo xa, kwaye, njani, unokwenza ukurhoxiswa kwiakhawunti yakho. Eyona ndlela ixhaphakileyo yile ntlawulo ye-retraction yokuqala ye-10% kwimali ethathwe kwi-401 yakho (k) ngaphambi kokuba uphendule iminyaka engama-59.5 ubudala. (10) (k) ukuhoxiswa, okwenza kube lula ukuba ube nemali engaphezu kwe-50% yemali yakho eyabanjwe kuwe njengesijeziso sokuhlaselwa kwakho zokugcina umhlalaphantsi.
Ungakuphepha njani lo 401 (k) isohlwayo?
Ngaphantsi kwemithetho ekhoyo, kukho izikhululo ezisibhozo ezibhalwe kumthetho kwaye ungayifumana. Ukuba uyazisebenzisa enye yale mixolelo, awuyi kuhlawulwa i-penalty ye-retraction yokuqala ye-10%, kuphela iirhafu zerhafu eziqhelekileyo oza kuhlawulwa ngenye indlela.
Icandelo 401 (k) Isohlwayo lokuPhepha Ngaba i-Surtax engaphezu kwe-401 (k) Iminikelo
I-Congress ichanekileyo xa ibeka i- 401 (k) imida yokunika inkxaso enokumisela inani elikhulu lemali ongayifaka kwi-akhawunti yakho ngonyaka. Ukuba udlula kule miqobo 401 (k) imida yegalelo, unetyala lokwenza oko kwaziwa ngokuthi "umnikelo ogqithiseleyo". Iminikelo ethe xaxa ixhomekeke kwisihlomelo esongezelelweyo ngendlela yentela yerhafu.
Ngokuchanekileyo, ngokweSiseko, enye yezona zikhulu kunabo-401 (k) abalawuli beprogram kwihlabathi, "Isihlomelo seminikelo engaphezu kwemali engama-6. Iipesenti ezi-6 zivavanywa ngokumalunga nokugqithiswa kwemali. ususa imali engaphezulu kweyokuphela komnyaka werhafu, awuyi kuvavanywa isigwebo kwixabiso lemali elongezelelweyo. Ngamanye amazwi, kukho iindaba ezilungileyo ukuba unokuba nethuba lokuphepha le 401 (k) isohlwayo xa ufumana uncedo olungaphezulu kwe-akhawunti yakho ngaphambi kokuba umrhumo werhafu unyaka.
Ukongeza 401 (k) Izigwebo kunye neentlawulo onokufuna ukuziphepha
Nangona i-401 (k) izohlwayo esizixubusha ngazo-imali ye-10% yokuqala yokurhoxiswa kunye ne-surtax kwiminikelo engaphezulu - ngaba ngabafakeli-mali abaqhelekileyo banokuhlangana nabo ngexesha lokuphila kwabo, kukho ezinye iimeko apho unokufumana uhlawula imali ongeke uyenze enye imali xa utyalomali okanye ulawula 401 (k) imali ngokuhambelana nemithetho.
Omnye umzekelo ukusetyenziswa kwemali ebolekwe ngaphakathi kwe-401 (k). (K) eyaziwa ngokuba yi-"self-directed 401 (k)" okanye abo batshintshe i-401 (k) kwi- Rollover IRA eyayilawulwa yedwa. utyalomali kwizinto ezinjengeentsebenziswano ezilinganiselweyo okanye iinkampani ezithintekayo ezincinci ezinobunini- mali bezakhiwo ezithengiswayo ngokusetyenziswa kwetyala lokubolekwa kwemali okanye izibophelelo zangasese. Kwabathengi abalungileyo, phantsi kweemeko ezifanelekileyo, ngokukodwa xa kwenziwa yinkampani yokulawula i-asset egciniweyo emhlophe ebangela isityebi, ubunzima obufanayo obuvelayo bunokubaluleka. Ezi zinkathazo zinokucetywa, zinciphise, kwaye zifakwe kwiibalo zokubuyela. Kuba ngaba-wena-wena-abatyala-mali, kubalwa ukubala okuhlukeneyo.
Basenokungazi ukuba basengozini yokubangela into eyaziwa ngokuba yi-UBIT, okanye irhafu yengeniso engabandakanyekanga; ukuba i-401 (k) okanye i-Rollover IRA yayiza kufuneka ifake imbuyekezo yayo yerhafu kwaye ihlawule irhafu ebenokuhlawulwa irhafu okanye irhafu. Akunjalo kuphela, kodwa umgcini-mhlaba ogcina i-securities uya kuhlawulisa, phantse onke amanqaku, iimali eziphezulu ezikhuselekileyo . Kwakhona, kusenokuba lufanelekile ukuba umthamo wakho unelungelo eliphezulu kodwa akusiyo indawo ihlakaniphileyo ekukhunjweni ukuba ihambe ngokukhawuleza, isinyathelo ngasinye sikhethwe ngokunyanisekileyo ukuze sikhulise umrhumo wokuhlawula umngcipheko.