Ukulinganisela Kwakho Eyona Nxalenye Ehamba Nakho.
Xa ufaka imali kwisicwangciso sakho se- 401 (k) , oko ubekayo kukukho. Into enikezelwa yinkampani yakho ingaba yakho kuphela xa uhlala usebenza apho ixesha elifunekayo. Ishedyuli esichazela oko ufumanayo kuxhomekeke kwithuba elide uhlala ngalo libizwa ngokuba yi- schedule setting . 401 (k) ukuthenga, okanye into ebizwa ngokuba yi-"balance balance", ibhekisela ekubeni ungakanani u-401 (k) ukulinganisela kunye nawe xa ushiya inkampani.
Ukuthengwa kwakhona kusetyenziselwa ukunquma ukuba ungayimboleka kangakanani na ukuba uthathe i-401 (k) mboleko, njengoko unokuboleka kuphela kwi-balance balance. Nantsi i-401 (k) yokusebenza.
Iintlawulo zakho - 100% ezinikezelweyo
Uhlala unikwe i-100% kwiminikelo yakho, ngoko uhlala ugcina imali yakho. Ungayifaka imali namhlanje, kwaye nangona uhamba ngomso, imali oyifake kwi-401 yakho (k) isicwangciso esivela kwimali yakho yokuzuza ingeyakho kungakhathaliseki ukuba yintoni.
Iminikelo Yenkampani - Iyaxhomekeka
Kukho iintlobo ezininzi zegalelo zenkampani kwaye zinokuba neeshedyuli ezahlukileyo.
- Umdlalo okhuselekileyo wesitopu - 100% iViweyo: Ukuba umqeshi usebenzisa oko kuthiwa "umdlalo okhuselekileyo wesigodlo" ke unikwe i-100% kule nxalenye yenkxaso yenkampani. Unyaka ngamnye ngasekupheleni konyaka inkampani ithumela isaziso esichaza amalungiselelo abo omdlalo. Esi saziso siya kukwazisa ukuba zisebenzisa umgca wokuphepha.
- Umdlalo oqhelekileyo kunye negalelo lokwabelana ngenzuzo - kuxhomekeke kwishedyuli yokuthengisa: Iminikelo ehambelanayo rhoqo (leyo yiyo engeyiyo phantsi kweendawo ezikhuselekileyo zeehholo) kunye negalelo lokwabelana ngenzuzo inokuthi ilandelwe kwishedyuli yokuthenga.
Imizekelo emiBini yeeShedyuli eziViweyo eziqhelekileyo
U-Cliff uthembisa: Ngaphantsi kweshedyuli yokucwangcisa i-cliff, xa ushiya ngaphambi kweminyaka emithathu awukwazi ukuthatha nayiphi na imali enkampani ayibeka kuyo. Emva kweminyaka emithathu, unikwe i-100%, ngoko ke yonke iminikelo yenkampani ingeyakho ukusuka kuloo ngongoma phambili.
Ukuthengiswa kweGrade: Ngeshedyuli yokuthengiswa kwemali, ugcina inxalenye yemali inkampani efake kuyo kuxhomekeke ekubeni sele usebenze phi ixesha elide.
Emva kweminyaka emithandathu yonke iminikelo yenkampani ingeyakho ukusuka kuloo ndawo phambili. Ngezansi kwishedyuli yokuthengisela iindawo eziqhelekileyo.
Unyaka 1 - 0%
Unyaka 2 - 20%
Unyaka 3 - 40%
Unyaka 4 - 60%
Unyaka 5 - 80%
Unyaka 6 - 100%
Ngaphambi kokuba utshintshe imisebenzi onokufuna ukuyijonga ibhalansi eqinisekisiwe yeakhawunti yesicwangciso sakho somhlalaphantsi. Ngokuxhomekeka kwi-401 yenkampani yakho (k) ishedyuli yokuthenga, ulinde ixesha elithile ngaphambi kokuba ushiye umqeshi wakho angongeza amawaka kwi-akhawunti yakho ibhalansi. Yaye ke, awuyi ku-401 (k) ibhalansi xa uhamba. Makhe sikhule okanye siyiqhube kwi-IRA ukuze iqhubeke isebenza iminyaka yakho yomhlalaphantsi.
Ukuba uneminyaka engama-401 (k) ukusuka kubaqeshi abadlulileyo akudingeki ukuba uqwalasele ukuthenga ngenxa yokuba awukho. Ngama-401 ubudala (k) sicinga ukuhlanganisa ii-akhawunti kwi-IRA enye ukwenza ulandelelwano nokulawula imali yakho.