Nika iMvuzo namhlanje ukuze ufumane iMali engenayo
I-term deferral deferral isetyenziswa ngokuqhelekileyo ekuchazeni iminikelo kwi-401 (k) icebo okanye 403 (b) icebo. Nangona kunjalo, iminikelo kwisicwangciso se-compress esichaseneyo nayo ifom yokumisa umvuzo.
Nantsi indlela yokumisa umvuzo kunye no-401 (k) umsebenzi wokunikezela umrhumo.
Ulwabiwo lomvuzo Ngama-401 (k) Izicwangciso
I-401 (k) icebo isicwangciso somhlala-phantsi ongasinikwa ngumqeshi wakho. 401 (k) izicwangciso zilawulwa yikhowudi yerhafu kwaye ke zineemigaqo ekufuneka zilandelwe. Le mithetho ikuvumela ukuba ugweme ukuhlawula irhafu kwimivuzo yakho namhlanje ngokubeka imali kwisicwangciso. Xa ukwenza oku awuyi kuhlawula irhafu yengeniso kwi-401 (k) isixa semali esichasayo kunyaka werhafu. Kunoko, uya kuhlawula irhafu yengeniso kamva xa uhoxisa kwisicwangciso. Xa ungahlawulisi irhafu kwixabiso elinikelweyo elibizwa ngokuba ngumrhumo ohlawulwe ngerhafu okanye umrhumo wangaphambi kwentela. Ezinye izicwangciso zinokukuvumela ukuba wenze umrhumo emva kwentela.
Ngama-401 (k) Ukunikezelwa kweeNgcaciso zokuNciphisa iintlawulo zakho
Masithi ukuhlawula i-$ 100 ngenyanga kwimivuzo yakho kwisicwangciso somhlala-phantsi somqeshi. Le $ 1,200 ngaphezu konyaka. Cinga ukuba usekhokhini yerhafu ye-25%. Ngokuqhelekileyo uza kuhlawula irhafu yerhafu kwi-$ 1,200 yemali yokufumana imali, ukushiya i-$ 900 ukuba uye ekhaya uze ufake i-akhawunti yokugcina.
Kunoko, xa unika i-$ 1,200 njengowama-401 (k) ukuxhomekeka, awuhlawuli irhafu kuyo. I-$ 1,200 epheleleyo ihamba kwisicwangciso kwaye ayibalwa njengengeniso ehlawulwa irhafu ngaloo nyaka. Kufuneka ugcine imali oya kufuneka uyihlawule kwi-IRS. Uya kuhlawula irhafu xa uhoxisa imali, kwaye ngokwemvelo, kukho izithintelo malunga nokuba ungathabatha nini ukurhoxa.
Umzekelo, iirhafu zentlawulo zisebenza xa uzihoxisa phambi kokuba ufikelele kwiminyaka yobudala engama-59 ½.
Ingakanani Imvuzo onokuyenza
Kukho umda wokuba ungakanani umvuzo wakho ongasichazela kwisicwangciso. Imilinganiselo eyahlukileyo yomvuzo yokusebenza isetyenziswa ngokuxhomekeke kwisicwangciso sesicwangciso. Ngama-401 (k) amacebo, ngo-2016, ukuba uneminyaka engaphantsi kweminyaka engama-50, uninzi unako ukufaka isandla njengama-401 (k) ukuxhaswa kwe-$ 18,000. Ukuba uneminyaka engama-50 okanye ngaphezulu, loo mkhawulo uya kunyuka kwi-$ 24,000.
Isizathu sokuba Ufanele ukuphazamisa umvuzo
Ngokukhawuleza uqala ukugcina imali ngekamva lakho, kuya kuba lula ukufikelela kwizinga elincinci lokukhuseleko lwezezimali. Kungakhathaliseki ukuba kuncinane kangakanani, okanye ubuninzi obwenzayo, kufuneka uhlale uphantsi kweyona nto uyenzayo, kwaye ufumane indlela yokugcina enye yemali oyifumanayo. Kananjalo xa wenza ngokwengeziwe, kufuneka ufumane uncedo kwi-401 (k) kunye nezinye izithuthi zokugcina ukugcina umgangatho wakho wokuhlala phantsi.
Ukubeka bucala imali kwi-paycheck yakho ngeminikelo yokunyuswa kwemivuzo yindlela elula kwaye elula yokugcina. Ukongeza, ngamanye amaxesha umqeshi wakho uya kukunika inxaxheba ehambelanayo kwisicwangciso sakho somhlalaphantsi. Oku kuthetha ukuba uyayichasa omnye umvuzo wakho, bafaka enye yemali yabo ukufanisa.
Ukuba usebenza ngokuzimeleyo, unokwenza isicwangciso sakho kwaye uphawule omnye umvuzo wakho ngokusebenzisa i-SEP IRA, Individual 401 (k), okanye iSicwangciso se-SIMPLE IRA.
Iphakamileyo yakho yerhafu, ngaphezulu kunokuba kunengqiqo ukwenza umrhumo wokuhlawula umvuzo wangaphambili. Ukuba ukhokhwa yerhafu ephantsi okanye ungahlawulisi irhafu ngenxa yokuba uninzi oluncitshisiwe, emva koko umrhumo werhafu emva kwerhafu kwi- Roth 401 ekhethekileyo (k) i-akhawunti ingcono kunokuba igalelo lentlawulo yangaphambili. Ukuba ungumqeshwa ongenayo imali okanye ngaphantsi kweminyaka engama-50, cela umqeshi wakho ukuba avumele ukuba wenze irhafu 401 (k) yerhafu.
Xa Ingeyona Imbono Efanelekileyo Yokutshintsha Umvuzo?
Uninzi lwezicwangciso ezikuvumela ukuba ukwazi ukwenza imirhumo yokumisa umvuzo unemiqathango malunga nokuba ungayifumana njani imali yakho kwaye njani. Iminikelo yokuxhaswa kwemivuzo yindlela enhle yokuqala ukuqokelela iqanda leyenyama ngenxa yokuba imali iyanqandeka ekusebenziseni kwakho kwansuku zonke, kodwa kufuneka kwakhona ube nokufikelela kwimali engagciniyo.
Ukuba awunayo iindleko zokuhlala kwiinyanga ezilishumi ukuya ezintandathu ezigcinwe kwi-akhawunti yokulondoloza ibhanki okanye enye i-akhawunti elula ukuyifumana, unokufuna ukuxhoma kwiminikelo yokuxhaswa kwemivuzo kunye nomsebenzi wokwakha ukugcinwa rhoqo. Ukulondolozwa okufikelelekayo kusebenza njengengxowa-mali engxamisekileyo kula "iindleko ezingalindelekanga" okanye utshintsho kwizicwangciso.