Funda iNgxelo kunye neNgxowa-mali yokuBhoda kwi-401 yakho (k)

Ukuthatha iNgxowa-mali kunokuthetha iRhafu yeThafu kwiNzala

Kukho ubuchule kunye nokuqhelana nokuthatha imali mboleko kwi- 401 (k) isicwangciso sakho. Unokuboleka kuphela kwisicwangciso sakho ukuba ngoku uqeshiweyo yinkampani enikeza isicwangciso, kwaye nangona kunjalo, akuyiyo yonke iiplani zeenkampani ezivumela iimali mboleko. Ngoko, kuya kufuneka uhlolisise imigaqo kwisicwangciso sakho ukuze ubone ukuba iimali-mboleko zivumelekile ngokufunda amaxwebhu akho okanye ukuthetha ne-Human Resources okanye ummeli wakho. Ukuba uvumelekile ukuboleka imali kwi- 401 (k) isicwangciso sakho qwalasela ubungqina kunye neqhinga phambi kokuba uthathe isigqibo sokuthatha imali mboleko.

I Pros

• Akukho sicelo sokwenza imali.
• Akukho mali amanqaku amancinci afunekayo.
• Uhlawula imali mboleko ngokuchithwa ngokukhawuleza kokuhlawula imali ngaphezu kwexesha elide ukuya kwiminyaka emihlanu.

Umxhasi

• Iirhafu eziphindwe kabini kwinqanaba lomdla. Ngoku uhlawula umdla kwi-401 yakho (k) isicwangciso ngemali yentela emva kwentlawulo. Ukuba awuzange ubolekise imali, bekuya kufumana inzala emiselweyo yentlawulo ngaphakathi kwiplani kwaye iya kuhlawulwa kuphela - xa uyixotha. Ngokuboleka, ngoku kufuneka ufumane imali, uhlawule irhafu kuyo, uze ubeke umtsalane kwisicwangciso. Xa uyixotha kamva, uya kuhlawula irhafu yengeniso kwakhona. Oku kunqoba injongo yokuba ne-akhawunti ehlawulwe irhafu.
• Ukuba ushiya umqeshi wakho ngaphambi kokuba umboleko uhlawulwe, nayiphi na ibhalansi ehlawulwayo inokuphathwa njengemali ehlawulwa irhafu ngaphandle kokuba uhlawulwe ngokupheleleyo kwisixa esithile.
• 401 (k) imali ikhuselwe kubaboleki kunye nokuchithwa. Ukuba uboleka imali kwisicwangciso sokuhlawula amatyala, kwaye uhlala kwiinkxalabo zemali uze ugqibe ukufakela i-bankruptcy, uya kusebenzisa imali ukuhlawula amatyala, xa ngokwenene le mali yayikhuselwe umhlalaphantsi wakho.

Izizathu Abantu Ababolekayo Thatha 401 (k) Imali

Abantu baboleka imali kwi-401 yabo (k) ngezizathu ezilandelayo. Andicingi ukuba zizathu ezilungileyo:

• Ukuxhasa imali yokuqalisa ishishini.
• Ukunceda umntwana omdala.
• Ukuthenga imoto.
• Ukuhlawula elinye ityala.

Ngona nto ininzi, ndicinga ukuboleka imali kwi-401 yakho (k) isicwangciso salezi zinto yinto engalunganga.

Uphazamisa imali yakho yokugcina umhlala-phantsi. Cinga malunga neminyaka engama-70 okanye eyi-80 ubudala ... kwaye ucinge kabili ngaphambi kokuba usebenzise iqanda leendlala.

Ngubani omele ukuboleka imali kwi-401 (K)?

Ukususela kwi-401 (k) icebo lemali likhuselwe kubathengi, ufuna ukucinga ngokucophelela ngaphambi kokuba uyiboleke kwaye ulahleke ukuba ukhuseleko. Kufuneka uhlolisise zonke ezinye iindlela ngaphambi kokuthatha isigqibo kwi-401 (k) mboleko.

Ukuba ulawula imali kakuhle, kwaye uvakalelwa kukuba umsebenzi wakho uphephile, i-401 (k) mboleko ingenokuba yindlela efanelekileyo. Ndabona iCPA iboleke ngokuphindaphindiweyo kwaye ibuyisela imali kwi-401 (k) isicwangciso sokuncedisa ukuxhaswa kwamanye amashishini. Oku kwasebenza kakuhle kuye. Wayeqonda isahlulo sokubuyisela, landela yonke imigaqo kunye neyona nto ibhetele kuyo yonke into, ukubeka rhoqo imali kwicebo lakhe ngexesha.

Ngubani ongafanelanga ukuboleka imali kwi-401 (K)?

Ukuba unetyala, ukuboleka ku-401 (k) isicwangciso sokuyihlawula isingxaki esona sibi kakhulu. Ngoba?

Kungenxa yokuba ukuba awufumani imali yakho ngokufanelekileyo kwaye ixyala lakho liqhubeka ungeyonto engcono. Isizathu sokuba, xa ushiya imali kwi-401 yakho (k) icebo likhuselwe kubabolekisi nakwi-bankruptcy. Ukuba utshintshe abaqeshi okanye ulahlekelwe ngumsebenzi wakho kwaye awukwazi ukuhlawula imali mboleko, ngoku ungakhokhela imali kwi-IRS yentlawulo yengeniso kunye nezohlwayo.

Ngokomzekelo, cinga ukuba uChris unee-25 000 zama-credit card kunye ne-$ 50,000 kwi-401 (k) icebo.

Uboleka u-25,000 wama-$ ukuhlawula ityala lakhe. Uqokelela ityala elongezelelweyo kwaye ekugqibeleni liphelisa ukufakela i-bankruptcy. Ukuba wayeshiye i-$ 25,000 kwi-401 (k) isicwangciso sakhe, bekuya kuba yindawo ekhuselekile kwaye inkundla yebhanki ayikwazanga ukuyithinta. Ekubeni wamshiya waza wahlawula ityala, ngoku akaphelelanga nje kuphela, kufuneka aqhubeke nokuhlawula i-$ 25,000 ukuya kwi-401 (k) kwisicwangciso sakhe kunokuba abe ne-bankruptcy ikhuphe loo matyala.

Ukuba wayefake i-bankruptcy esikhundleni sokuboleka imali ngaphandle kwe-401 (k) isicwangciso sakhe uza kuphuma kwi-$ 50,000 e-401 (k) kwisicwangciso sakhe, isiqalo esikhulu sokuvuselela ikusasa lakhe lemali. Emva kokubhankwa kwebhanki, ukuba akayi kubuyisela imali engama-401 (k) mboleko iya kuthathwa njengentlawulo ehlawulwayo, kwaye iya kubakhokhela irhafu kwi-25,000 yeedola.

Inkokhelo yerhafu ayikwazi ukupheliswa yi-bankruptcy.

Ngaphambi kokuba ubole imali kwi-401 yakho (k) icebo lokuhlawula ityala labathengi, qwalasela zonke iinketho zokuphelisa amatyala, kubandakanywa ne-bankruptcy. Ukuba ukhetha ukuboleka kwisicwangciso sakho, yenza njalo kuphela ngokuzibophezela ngokupheleleyo ekufumaneni nasekugcineni imali yakho.

Inye indlela yokuboleka kwi-401 yakho (K)

Ezinye iingu-401 (k) izicwangciso zivumela ukurhoxiswa kobunzima kwizinto ezifana neendleko zonyango ezingalindelekanga okanye ukuthintela ukukhutshwa. Ukuba uthabatha ukukhutshwa kobunzima uya kuhlawula irhafu kwixabiso olihoxayo ngonyaka ulihoxisa.

Ukuba unetyala, qwaba usebenza nabakweleta ukuseka isicwangciso sokubuyisela ityala, okanye uthetha kummeli webhanki malunga nokukhethwa kwe-bankruptcy ukususa ityala lakho ngelixa ugcina 401 (k) kunye neminye imali yomhlalaphantsi.