Ekuqaleni kuka-401 (k) Ukurhoxiswa kungaxhomekeka kwiiNkokhelo zeNgeniso kuphela
Kodwa ukuba ufuna ukuhlawula indlu yentsha, uqeqesho lweekholeji zezingane zakho, okanye ufumane imali ngemali engxamisekileyo yezemali, kubalulekile ukuba uqhubeke ngokucokisekileyo xa uqikelela u-401 (k) ukuhoxiswa.
Yonke i- 401 (k) ukuhoxiswa kuthetha ukunikela ngeengcebiso ezibalulekileyo zeminikelo yakho yesicwangciso esaphambili. Zingakhokelela ekuhlawuleni irhafu yengeniso kunye nezohlwayo ezongezelelweyo.
401 (k) Imigaqo yokuLawula iAkhawunti kunye nezohlwayo
Enye yeenzuzo ezixhamlayo kwi-401 (k) isicwangciso kukuba igalelo ngalinye lizisa iintlawulo zerhafu. Akunjalo kuphela irhafu yakho yenkxaso echithwayo , kodwa igalelo lakho kwiakhawunti yakho liyakhula kwakhona irhafu . Kodwa ezi ntlawulo zerhafu zisebenza kuphela xa uhlala ngokwemigaqo yesicwangciso, kwaye le mithetho iciphisa yonke into ekubeni ungayifaka njani isicwangciso qho ngonyaka xa unako ukurhoxisa imali kwicebo lokuhlawulwa.
Ngaphandle kokungaqhelekanga, yonke imveli 401 (k) ukuhoxiswa kwemali kuhlawulwa njengenzuzo eqhelekileyo, nangona i-Roth 401k impahla iphathwa ngokwahlukileyo. Kwiimeko ezifanelekileyo, awuyi kuhoxisa imali kwi-401 yakho (k) de emva kokuba uthathe umhlalaphantsi.
Uya kuhlawula irhafu yengeniso kulabo bahoxisa njengokuba wenza ngekhekhe ngalinye elifumene xa uqeshiwe. Kodwa abantu abaninzi bafumanisa ukuba bangabakhonksi abancinci abaphantsi komhlalaphantsi kunokuba babekho kwiminyaka yabo yokusebenza, kwaye oku kungongeza kwi-tax savings.
Kodwa ukuba uhoxisa imali kwi-401 (k) ngaphambi kokufikelela ubuncinane kwiminyaka engama-59½, awuyi kuhlawulwa irhafu yengeniso kuphela kwixabiso olihoxisayo, kodwa ezo mali zixhomekeke kwi-10% eyongezelelweyo yentlawulo yerhafu yokusabalalisa .
Yilapho izinto zihamba ngokukhawuleza. Kwabanye abantu, oku kunokuthetha ukusika yonke into oye waphuma malunga nesiqingatha emva kokuhlawula irhafu kunye nezohlwayo! Akukhona nje "ukulahlekelwa" nje ukuba imali kwiintlawulo namhlanje ibuhlungu kodwa iya kuba yindleko yakho yokuhlala phantsi.
Ngaphandle kwe-401 (k) Izigwebo zokurhoxiswa
Oku kuthethi, kukho ukungafani kwamaphesenti e-10 kwintlawulo yokusabalalisa kwangaphambili ejoliswe ekunciphiseni ukulahlekelwa kwemali kwiimeko ezithile. Ngaphantsi kweemeko ezilandelayo, 401 (k) ukuhoxiswa ngaphambi kokuba ufikelele kwiminyaka yobudala engama-59 ½ ukhululiwe kwisigwebo esongezelelweyo:
- Ufa, kwaye i-akhawunti ihlawulwa kumxhamli wakho
- Ukhubazekile
- Uphelisa umsebenzi kwaye ubuncinane ubuneminyaka engama-55 ubudala
- Uyakrhoxisa imali engaphantsi kwento evumelekileyo njengenkunkuma yezobisi
- Uqala iintlawulo ezinokulinganayo ngezikhathi ezithile (jonga uMthetho wama-72 (t) )
- Ukuhoxiswa kwakho kuxhomekeke kumyalelo wobudlelwane basekhaya olufanelekileyo
Ukurhoxiswa kwezi ziganeko ziza kuxhomekeka kwiirhafu eziqhelekileyo zerhafu, kungekhona i-penalty eyongezelelweyo ye-10, kodwa ukuhoxiswa kufuneka kwenziwe ngokucwangcisa imigaqo kunye namaxwebhu afanelekileyo. Qinisekisa ukuba uzifundise malunga neemfuno zakho zezicwangciso ngaphambi kokuba uthathe ukuhoxiswa okunjalo.
Olongezelelweyo 401 (k) Ukuqwalaselwa kwangaphambili kokurhoxiswa
Ukongezelela kwizigwebo kunye nentlawulo ngenxa ye-401 (k) ukuhoxiswa kwangaphambili , uya kulahleka ukukhula kotyalo-mali oluzayo lwelo cwangciso lomhlalaphantsi. Kukho umda wonyaka ukuya kwisixa onokufaka isandla kwisicwangciso se-401K , ngoko awukwazi ukulungiselela ukuhoxiswa kwangaphambili kamva. Ukungathethi, kuya kuba nzima kakhulu ukugcina ngokwaneleyo ukuba "ufikelele" kwimali elahlekileyo kunye ne-interest component.
Nangona i-401 (k) imali-mboleko inemingcipheko ebalulekileyo, unokufuna ukuyijonga ngemboleko enjalo xa unesigxina semali kwaye ukhetho lwakho kuphela lubonakala luyimali yakho yomhlalaphantsi . Ngaphandle kwemingcipheko yayo, imali engama-401 (k) mboleko ngokuqhelekileyo ikhethwa ngokukhenkcela ngokukodwa koku-401K , nangona ayikho into efanelekileyo.
Ukulahla i-401 yakho (k) Ukurhoxiswa kunye nee-RMD
Ngomnye umgca wembonakalo, abaninzi abantu banokulibazisa ukufumana ukusasazwa kwi-401 (k) zabo izicwangciso kwaye ngokunjalo bazuze ukukhula kohlumo lwabo abakhokhiswa irhafu kuze kube ngu-Ephreli 1 wonyaka olandelayo kunyaka apho bafikelela kwiminyaka engama-70½.
Emva kwelo nqaku, kufuneka uhoxise ubuncinci ubuncinane bokusabalala okufunekayo (RMD) ngonyaka.
I-RMD yakho ibalwa njenge-akhawunti yakho ibhalansi njengesiqalo sonyaka ekubhekiselwe kuwo umlinganiselo wokuphila kwakho njengoko kunqunywe yi-IRS kwiThebula layo elindelekileyo lokuLindela ubomi . Kukho okungafaniyo ukuba lakho iqabane lingumxhamli oyedwa kuphela kwaye uneminyaka engaphezu kwelishumi mncinane kunani. Njengokuxotha kwangaphambili, ukungathathi i-RMD yakho yonyaka iza kunye nesigwebo esiphezulu. Isohlwayo sokungahoxisi i-RMD yakho ingama-50 ekhulwini kwesahluko phakathi kwezinto ekufuneka zihanjiswe kwaye yintoni eyayihoxiswa.