Funda Ngezibonelelo Zokulondoloza Umhlala-phantsi kwi-Pre-Tax 401 (k)
Isixa sakho se- 401 (k) iminikelo ngokuthe ngqo sinciphisa imali engenayo engenayo. Ngenxa yoko, oku kuthetha ukuba uza kuhlawula irhafu kwiholo elingaphantsi. Emva kokuba ufumanisa inani okwazi ukuligcina kwiirhafu zerhafu, uya kufuthi ufumanisa ukuba igalelo lithengela ngaphantsi kunokuba wawukulindele.
401 (k) iminikelo inciphisa imali engenayo engenayo irhafu?
Ngokuchanekileyo uza kuhlawula njani imali yentlawulo ye-Federal isekelwe kwingeniso yakho engenayo. Kukho izicwangciso ezimbalwa zokucwangcisa imali ongayisebenzisa ukuze unciphise irhafu yakho. Ezinye iindlela eziqhelekileyo zokunciphisa intlawulo yakho engenayo iquka ukubeka eceleni iifizi zokuhlawula iindleko ezinxulumene nempilo kwi-HSA okanye kwi-FSA, ukuhlawula iindleko zokunyamekela abantwana kunye ne-Careers FSA, ii-premium zentlawulo yomshuwalense, ukugcina kwi-IRA echithwayo kunye nokunikela 401 (k) isicwangciso. Ukuba unciphisa imali engenayo engenayo, uyinciphisa inani leerhafu ozihlawulayo.
Hlalani nikhumbule ukuba i-401 (k) iminikelo yimihla yokuhlawula irhafu , nto leyo ithetha ukuba inzuzo yakho ehlawulwa irhafu iyancishiswa ngemali oyifake kwi-akhawunti yakho ye-401 (k). Iimviwo zibandakanya iRoth 401 (k) kunye nezinye emva kwentela 401 (k) iminikelo.
Ngenxa yokuba iminikelo yentlawulo yangaphambili iyanciphisa ingeniso ehlawulwayo kwaye uhlawula irhafu engaphantsi, i-pay your home pay will not be reduced by the full amount of your contribution.
Isimo 1:
Nasi umzekelo wendlela osebenza ngayo umntu ongenamaritha angama-45,000 ancedisa ipesenti ezili-10 zomvuzo wazo omkhulu:
| Intlawulo ehlawulwa ngokuphindwe kabini ngenyanga (i-$ 45,000 ngonyaka): | $ 1,875 |
| Intlawulo yomvuzo xa ihlawulwa kabini ngenyanga ngaphandle kwe-401 (k) negalelo: | $ 1,559.43 |
| Intlawulo yomvuzo xa ihlawulwa kabini ngenyanga, i-$ 375 401 (k) negalelo: | $ 1,394.43 |
| Uhluko: | $ 165 |
Nangona lo mntu uncedisa i-$ 187.50 yerhafu yokuhlawula, ngenxa yokuba bakhokhela irhafu kwiholo elingaphantsi, imali yabo yokuhlawula iyancitshiswa ngama-$ 165. Ukwahlula kwe-$ 22.50 kumele ukugcinwa kwentela kwangaphambili. (Qaphela: Okona ukugcinwa kwentela kungabininzi xa kuxhomekeke kwiirhafu zerhafu okanye zengingqi).
Isimo 2:
Nantsi umzekelo ofanayo nomntu oyedwa onemivuzo eyi-90,000 engama-10 egalelo yomvuzo wabo ophezulu:
| Intlawulo ehlawulwa ngokuphindwe kabini ngenyanga (i-$ 90,000 ngonyaka): | $ 3,750 |
| Intlawulo yomvuzo xa ihlawulwa kabini ngenyanga ngaphandle kwe-401 (k) negalelo: | $ 3,044.33 |
| Intlawulo yomvuzo xa ihlawulwa kabini ngenyanga, i-$ 375 401 (k) negalelo: | $ 2,753.99 |
| Uhluko: | $ 308.34 |
Nangona lo mntu uncedisa i-375.00 ye-paycheck, kuba bahlawula irhafu kwiholo elingaphantsi, imali yabo yokuhlawula iyancitshiswa nge-$ 308.34. Umahluko wama-66.66 umela ukugcinwa kwentela kwangaphambili. (Qaphela: Okona ukugcinwa kwentela kungabininzi xa kuxhomekeke kwiirhafu zerhafu okanye zengingqi).
Isimo 3:
Nasi omnye umzekelo kumntu otshatileyo kunye nomvuzo wama-80,000 kunye nokunikela ipesenti ezili-10 ukuya kwi-401 (k) kunye nokucela izibonelelo zemo kwiFomu W-4:
| Intlawulo ehlawulwa ngokuphindwe kabini ngenyanga (i-$ 80,000 ngonyaka): | $ 3,333 |
| Intlawulo yomvuzo xa ihlawulwa kabini ngenyanga ngaphandle kwe-401 (k) negalelo: | $ 2,825.31 |
| Intlawulo yomvuzo xa ihlawulwa kabini ngenyanga, i-$ 333.30 401 (k) negalelo: | $ 2,532.01 |
| Uhluko: | $ 293.30 |
Nangona lo mntu uncedisa i-$ 333 nganye yokuhlawula, ngenxa yokuba bahlawula irhafu kwiholo elingaphantsi, i-paycheck yabo i-$ 293.30 kuphela encinci.
Ukuqonda Iibhonksi Zakho Zentlawulo Engaphandle
Ukulondolozwa kwentlawulo kubaluleke kakhulu xa usesikhundleni esiphezulu senteksi yentlawulo yengeniso. Utshintsho lomthetho lwakutsha nje lwenza kubalulekile ukuhlolisisa ukuba uzuza ntoni ngokunciphisa i-401 yakho (k) iminikelo. Ukuba unomdla wokufumana ezo zorhwebo namhlanje kwaye ukulindele ukuba ube kunye okanye i-bracket engaphantsi ebudeni beminyaka yakho yomhlala-phantsi kufuneka uqhubeke nokwenza umrhumo werhafu kwi-401 (k) icebo. Nangona kunjalo, ukuba ulindele ukuba ubekhokhwa yerhafu ephezulu okanye ukhetha ingcamango yokukhula kwamahhafu ehlawulwa irhafu, unokukhetha ukwenza umrhumo kwiRoth 401 (k).
Isishwankathelo
Ukuba unjengabantu abaninzi, ukugcina umhlala-phantsi yingxenye ebalulekileyo yesicwangciso sakho sobomi bezezimali. Ukuhlawula irhafu engaphantsi kwimihlaba ngenxa yokuba igalelo lakho liyanciphisa i-engenayo yerhafu yongeza ibhonasi. Qinisekisa ukuba usebenzise inzuzo ye-401 (k) isicwangciso esinikwe yinkampani yakho kwaye ujonge iintlawulo zokulondoloza imali kwi-pre-tax basis. Kwinqanaba le-401 (k), imali yakho iphinda ikhule irhafu-echaziweyo, oku kuthetha ukuba akufanele uhlawule nayiphi irhafu kwiintlawulo zakho kuze kube yilapho uhoxisa imali kumhlalaphantsi. Uyakwazi ukuqokelela ngaphezulu kwi-401 (k) kwisicwangciso sakho kunama-akhawunti akho ahlawuliswayo ngenxa yokuba awuhlawulisi irhafu ngonyaka ngemvuzo.
Kukho ezinye izizathu zokugcina umhlala-phantsi kwi-401 (k) akhawunti. Abanye abaqeshi banikela ngemali ehambelanayo njengenzuzo eyongezelelweyo yokugcina imali kumhlalaphantsi. Imisetyenzana yekhampani ngokuqhelekileyo ixhomekeke kwishedyuli yokuthengisa, eli lixesha lexesha elimele lidlulele ukuba inani elifanayo libe lakho xa ufanele ushiye umqeshi wakho. Unamaxesha onke ama-100 ekhulwini anikezelwe kwisixa ofaka isandla.