Kutheni sifaka isigqibo malunga nento enokuyenza ngeNkqubo yoLuhlu lwezeMhlala-phantsi
Uphando olwenziwa nguDeireitte lufumene ukuba i-sibini yesithathu yezigidi zeminyaka isicwangciso sokushiya inkampani yabo kwiminyaka emihlanu okanye ngaphantsi. Xa ubandakanyeka kubasebenzi abongezelelweyo bebeminyaka yonke abangatshintsha imisebenzi okanye balahlekelwe ngokungazibandakanyi, umphumo unabasebenzi abaninzi kweli lizwe abafuna ukwenza isigqibo malunga nokuba baya kuthini na ngokukhawuleza kwabo Isicwangciso sokulondoloza umhlalaphantsi (umzekelo, 401 (k ), 457 okanye 403 (b) isicwangciso).
Ukuba ungumsebenzi oguqula umsebenzi kwaye uzifumene kule meko apho kufuneka uthathe isigqibo malunga nento oyenzayo ngesicwangciso somhlala-phantsi omdala, ukhetho lwakho lubandakanya oku kulandelayo:
- Shiya i-akhawunti yakho apho (Qaphela: oku kudla ukuba kukho ukuba ibhalansi yakho ingaphezulu kwezinga elithile, ngokuqhelekileyo i-$ 5,000)
- Qalisa ibhalansi ye-akhawunti ngqo kwisicwangciso somqeshi wakho omtsha (ukuba banikela omnye kwaye bamkele i-rollovers) okanye entsha ye-IRA
- Yenza i-rollover engqalileyo kwisicwangciso sakho somhlala-phantsi ngokusebenzisa umqeshi wakho omtsha (ukuba unikwe) okanye i-IRA
- Thatha ulwabiwo-mali
Ukungenzi ukuhamba ngendlela efanelekileyo kunokukuhlawula i-chunk enkulu yokonga kwakho.
Izizathu zokuqwalasela ukushiya iAkhawunti yakho apho ikhona
Iinkampani ezininzi zikuvumela ukuba ugcine imali yakho yomhlalaphantsi kwizicwangciso zabo emva kokuba ushiye umsebenzi wakho. Ekubeni lo lukhetho lokuqala alufuneki nantoni, kaninzi lukhethwa ngokungenzi nto. Kodwa ukushiya i-401k yakho apho uhlala kuyo akusoloko kuyimfuneko yokuzigweba ngenxa yokuba kukho izizathu ezifanelekileyo zokuqwalasela ukushiya isicwangciso sakho somhlala-phantsi apho.
Ezinye zeenzuzo zokugcina isicwangciso sakho somhlala-phantsi kunye nomqeshi wakho wangaphambili zibandakanya oku kulandelayo:
- Ukwahlukana kweMigaqo yeNkonzo: Unokuthatha ukurhoxiswa kweentlawulo ezingenasigxina kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi xa ushiya umsebenzi wakho emva okanye emva komnyaka ufikelele kwiminyaka yobudala engama-55 kwaye ulindele ukuqala ukuthatha ukurhoxiswa ngaphambi kokuba uphenduke u-59½.
- Izinketho eziziTyalo-mali: Ukuba uthanda ukukhetha utyalo-mali kwisicwangciso sakho somhlala-phantsi somqeshi (okanye nje awuqinisekanga ukuba ungayenza ntoni nokho), unokunamathela kwizinto eziqhelekileyo ukude ulungele ukwenza isinqumo esineenkcukacha.
- Amanqanaba aphantsi: Izicwangciso ezininzi zomhlala-phantsi ezixhaswe ngumqeshi zinikezela abathathi-nxaxheba ukuba bafikelele kwiimali zecandelo lezabelo zamashishini kunye neengxelo zexabiso eziphantsi kakhulu, ngakumbi abo baxhaswa ngabaqeshi abaphezulu. Cinga ukugcina iimali zakho ezikhoyo apho zikhona ukuba uthanda ixabiso lemfundo (okt, ixabiso eliphantsi) okanye ukhetho oluthile olucwangcisiweyo kwisicwangciso sakho esidala ukuba ungeke ukwazi ukungena okanye ubambe kwi-IRA.
- Isikhokelo soBugcisa: Izicwangciso ezininzi zomhlala-phantsi zibonelela ngeenkonzo ezikhethekileyo zokulawulwa kwemali kunye neentlawulo zokhuphiswano onokufisa ukuzigcina.
- Ukukhuselwa kwee-Lawsuits: Izicwangciso zomhlala-phantsi ezixhaswe ngumqeshi zinikezela ngokukhuselwa komthengi ngokubanzi komthetho we-federal kunokuba kunikwe i-IRA.
Hambisa Umdala Wakho 401 (K) Iimpahla kwiNkqubo entsha yoMqeshi Ukugwema Imirhumo kunye nezohlwayo
Unokukhetha ukuphepha ukuhlawula irhafu (nokuhlawula ipesenti ezili-10 zokugweba i-penalty) ngokugqiba ngqo, okanye umphathiswa-trustee , ukudlulisela kwisicwangciso sakho esidala kwisicwangciso somqeshi wakho omtsha.
Iintlawulo zokuhambisa i-akhawunti yakho yomhlalaphantsi endala kwisicwangciso sakho somqeshi siquka izibonelelo ezikhankanywe ngaphambili ekugcineni iakhawunti yakho kunye nesicwangciso esidala. Kodwa kunokuba kulula ukuhlawula ingqalelo kwiingxelo zakho zokudala zomhlala-phantsi emva kwexesha njengoko ungasakwazi ukwenza umrhumo owongezelelweyo xa ushiye umsebenzi. Ukulula, ukudlulisela 401 ubudala (k) ii- asethi kwisicwangciso sakho esitsha kunokukwenza kube lula ukulandelela ukugcinwa kwakho komhlalaphantsi.
Ubuye unamandla okuboleka ukuba isicwangciso sakho somhlala-phantsi esivumelekileyo ukuba uboleke kwi-asethi yabo yecebo kwisilinganiso esincinane kakhulu somdla. Ukuba uceba isicwangciso sakho esidala kwisicwangciso sakho esitsha, uya kuba nesiseko esikhulu sezinto ezinokuthi uboleke. (Umyinge oqhelekileyo wokuboleka ngu-50% we-balance balance) ukuya kwi $ 50,000, kodwa khangela kocwangcisi wakho wecebo malunga nesicwangciso sakho.)
Nazi a mathathu amanyathelo abalulekileyo omele athathe ukuze uhambise i-asethi ngempumelelo kwisicwangciso somhlala-phantsi somqeshi wakho omtsha:
Inyathelo 1: Qinisekisa ukuba umqeshi wakho omtsha unesicwangciso senkxaso esichaziweyo, njengowama- 401 (k) okanye 403 (b) , evumela i-rollovers kwezinye iiplani. Sebenzisa ixesha lokuvavanya ukhetho lokutsha lokucwangcisa isicwangciso esitsha sokugqiba ukuba ngaba uya kuneliswa nabo kwaye bafanelane nesitayela sakho sokutshala imali. Ukuba umqeshi wakho omtsha akanalo isicwangciso somhlala-phantsi okanye ngaba ukhetho lweefowthifoliyo aluyikho into ekhangayo, cinga ukuhlala kwisicwangciso somqeshi wakho omdala okanye ukumisela i-roraver IRA entsha kwinkontileka yekhredithi, ibhanki okanye iqumrhu lokuthengisa. .
Inyathelo 2: Ukuba unqumle ukuba i-akhawunti yakho yokudala yomhlalaphantsi kwisicwangciso sakho somqeshi uyingqiqo, qhagamshelana nomntu ofanelekileyo kwisebe lakho okanye isebe le-HR kwaye ucele imiyalelo yokwenza igalelo le-rollover. Ukuba wenza isigqibo sokugxotha i-akhawunti yakho kwi-IRA, qhagamshelana nomgcini we-IRA ukuba ucele imiyalelo ethile ukuba uqinisekise ukuba ungenzi naziphi na iimpazamo kwaye wenze isiganeko esihlawulwayo. Unokuba ugcwalise iphepha ukuze uqalise iAkhawunti yoMhlala-phantsi yoMntu xa ungenayo isisiseko. (Jonga Oko Uyazi ngaphambi kokuba Uqale i-IRA Rollover )
Imiyalelo oyifumayo kufuneka ibandakanye lolu hlobo lwengcaciso elandelayo:
- Igama locwangciso lomhlala phantsi okanye umlondolozi-lo nguye oza kuhlawulelwa.
- Inombolo yakho yeakhawunti.
- Idilesi yeposi apho ungathumela khona igalelo - ukuba ufumana ukuhanjiswa ngetshekhi.
- Imiyalelo yokudlulisa umnxeba - ukuba ukwaziswa kungenziwa ngekhompyutha.
Ukuba ufuna naluphi na uncedo ngegalelo lakho le-rollover, isebe lakho loLuntu kwi-Human Resources okanye i-IRA yokunceda linokukunceda.
Inyathelo lesi-3: Ukuhamba okulandelayo kukuqhagamshelana neSebe langaphambili le-HR okanye 401 (k) umlawuli ukuba acele ukuhanjiswa. Uzakufuna ukuba ulwazi olufumene kwiSigaba 2 lungele uhambe. Qiniseka ukuba ukhethe "i- rollover ngqo" okanye "udluliselo-trustee ukudluliselwa" njengoluhlobo lokuhambisa. Utshintsho lunakho ukuthatha ukuya kwiiveki ezine ukuya ezintandathu, kodwa iifom zexesha ziyahluka kwaye zinokuthi zithathe ixesha elide kuxhomekeke kumlawuli.
Ukudluliselwa ngokukhawuleza kuyona ndlela elula kakhulu kwaye elula ngokubhekiselele kwintlawulo kunye nezohlwayo. Inketho enye, i-rollover engqalileyo, ayilona elula okanye elula.
I-Rollovers engaqondakaliyo ingaba nzima ukuLawula
Nge- rollover engqalileyo , ufumana isheke malunga nokulinganisela kweakhawunti yakho eyenziweyo ehlawulwa kuwe . Nangona kunjalo, ngenxa yoko, ekugqibeleni ungoxanduva lokuyifumana kwindawo efanelekileyo. Uya kuba neentsuku ezingama-60 ukugqiba inkqubo yokulungiswa kweendleko zokuhambisa ezi ntlawulo kwisicwangciso sakho somqeshi okanye i-IRA.
Ukuba awuyikugqiba i-rollover kule festile yeentsuku ezingama-60, uya kuthi uhlawulwe irhafu yengeniso kwimali ongayiphumeleliyo, kwaye ukuba ungaphantsi kwe-59½, uza kujongana neerhafu ezongezelelweyo zerhafu. Ukususela ngo-2015, i-rollovers engqalileyo iyanqunyulwa ngumthetho omnye-rollover ngonyaka.
Kungakhathaliseki ukuba zeziphi izicwangciso zakho ngokwenene, umqeshi wakho omdala kufuneka ukuba angabambeli ipesenti ezingama-20 ukusuka ekunikeziseni kwakho kwiinjongo zerhafu yengeniso. Ukuze ugweme ukuhlawulwa irhafu kwaye uhlawulwe kule pesenti ye-20, kufuneka ube nokukwazi ukubeka imali eyaneleyo kwiminye imithombo ukukhupha le mali kwaye uyifake kunye negalelo lakho le-rollover. Emva koko, kuya kufuneka ulinde kude kube unyaka olandelayo xa unokufakela ukubuyiswa kwerhafu yengeniso yakho ukuze ufumane imali engavumelekanga.
Ngokomzekelo, masicinge ukuba i- 401 (k) okanye i- 403 (b) kumqeshi wakho wangaphambili unomlinganiselo we-$ 100,000. Ukuba uthatha isigqibo sokusasazwa ngokugcwele kwi-akhawunti, umqeshi wakho wangaphambili kufuneka akhokhe iipesenti ezingama-20, okanye i-$ 20,000, kwaye akuthumele isheke malunga nee-80,000 zamaRandi. Ukuphepha ukuhlawula irhafu kunye nezohlwayo kwi-20,000 yeedola ezikhutshweyo, unemihla engama-60 ukugqithisa inani elipheleleyo, oko kukuthi i-$ 100,000. Ekubeni unokukhangela i-$ 80,000, uzakuza kunye nezinye i $ 20,000 ukusuka kwenye indawo. Kungakhathaliseki, kuya kufuneka ulinde uze ufake ifayile yakho yokubuyisela irhafu ukwenzela ukuba ufumane yonke into okanye inxalenye yale mali. (Kuxhomekeke kwintoni enye irhafu enayo kunye neemali ezingagcinwanga). Ngethemba, unayo i-20,000 yee-20,000 ukulala ngokukhawuleza ukunceda ngokudluliselwa; Ngenye indlela, isixa ongaphumeleli ukusigxina siya kuthathwa njenge-distribution taxable phantsi kwezigwebo.
Ukuthatha Ukusabalaliswa Kwemali Kwangathi Ibe YiSigqibo Esinokubaluleka
Ukuphepha ukunikezelwa kwemali kunokukugcina kwiirhafu kunye nezohlwayo. Kungenxa yokuba nayiphina isixa ongaphumeleli ukuhamba kuso siya kuthathwa njenge-distribution taxable. Ngenxa yoko, kuya kuba phantsi kwesigwebo se-10 sepesenti xa uneminyaka engama-59½. Ekubeni isahlulo esihlawulwayo siya kudibaniswa nakweyiphi enye imali engenayo ehlawulwayo ekhoyo unyaka, unako ukunyuka kwi-bracket ephezulu.
Ukusebenzisa umzekelo wangaphambili, ukuba umrhumo omnye ongenayo i-$ 50,000 yengeniso ehlawulwayo yenze isigqibo sokungagqithwanga nayiphi na isabelo se-100,000, aya kubika imali engama-150,000 engeniso yerhafu yonyaka. Oku kuya kubangela ukuba bangene kwi-25 ekhulwini yebhanki yerhafu ukuya kuma-28 ekhulwini. Ukongezelela, kufuneka baxelele i-R10 000 kwerhafu yentlawulo eyongezelelweyo xa ngaphantsi kweminyaka engama-59½.
Ukunikezelwa kwemali kufuneka kuthathelwe ingqalelo kwiimeko ezinzima zobunzima bezezimali ezifana nokuba ujongene nokuchithwa, ukukhutshwa, okanye ukuhluthwa. Ukuba ufanele uhambe kule ndlela ke uthabathe kuphela imali efunekayo ukuze ugubungele ubunzima kunye neerhafu ezifanelekileyo kunye nezohlwayo.
Ngoko ke, ukuba ucinga ukuqhubela phambili kumsebenzi omtsha-okanye sele usuvele uhamba-uphendule zonke iinketho zakho zokwenza izigqibo ezinolwazi malunga nento oyenzayo ngemali yomhlalaphantsi owashiya ngasemva.