Kutheni ungeke ukwazi ukutshintshela iNkampani kwi-401 (k)
Uninzi lwama-401 (k) luceba ukuthumela isheke okanye ukucoca imali ngemali ngqo kwi-akhawunti yakho ekhethiweyo ye-IRA xa wenza i-rollover. Kukho ambalwa kakhulu ama-401 (k) amacebo avumela oko kubizwa ngokuthi "in-kind" ukudluliselwa / i-rollover apho izabelo zotyalo-mali ongenazo ngaphakathi kwi-401 (k) zihanjiswe ngohlobo lwe-IRA yakho.
Ukutshintshwa kohlobo oluqhelekileyo aluqhelekanga ngenxa yokuba ininzi yexesha ukhetho lotyalo-mali ngaphakathi kwiplani yomhlala-phantsi lenkampani alufumanekanga ngaphandle kwesicwangciso. Ngokomzekelo, amaninzi ama-401 (k) amaplani anikezela ngeklasi ekhethekileyo yezabelo zengxowa-mali yomhlalaphantsi kwizicwangciso zomhlalaphantsi. Yaye kunye nexabiso elizinzileyo mali , ukhetho oluqhelekileyo ngaphakathi kwezicwangciso zomhlalaphantsi, azifumaneki ngaphandle kwezicwangciso.
Ukunikwa kwexabiso lokuNikwa kweNtengiso kweNethiwekhi kusiza ukuLawula iNkampani yeStock
Xa uthatha umhlalaphantsi okanye ushiye inkampani unokhetho olubini:
- Ukuhambisa isitokethi kwisicwangciso phantsi kwemithetho yerhafu ekhethekileyo
- Yenza yonke imali ngemali kwi-IRA (ungaphinde usasaze i-stock phantsi kwemithetho yerhafu ekhethekileyo uze uqokelele intsalela yemali kwi-IRA)
Ukuba inkampani yenkampani yakho kwisicwangciso sakho sokuthatha umhlalaphantsi yathengwa ngeminikelo yomqeshi okanye kunye negalelo lakho langaphambili lokuhlawula irhafu ke lilungele ukuhlaziywa kwentlawulo yerhafu yexabiso. Kuthatha ukubala okunye ukufumanisa ukuba ngaba olu unyango lwerhafu luya kuba luncedo kuwe.
Ukuze siqonde indlela isebenza ngayo, masihambe ngomzekelo. Masithi unayo imali engu-60,000 ye-WIDGET kwisitoreji sakho somhlalaphantsi. Cinga ngesitokisi senkampani yakho enamalungu amathathu:
- Ixabiso leNkcitho yintengo (okanye ixabiso eliqhelekileyo) elihlawulwe kwizabelo. Umqeshi wakho unokukunika le nombolo. Ngokomzekelo wethu, siza kuthatha isiseko seendleko zezabelo ezipheleleyo onayo i $ 25,000. Xa usasaza isitokethi njengesixa-mali sokuthatha umhlalaphantsi uza kubhatala irhafu kwizinga lakho lentlawulo epheleleyo yerhafu kwixabiso lexabiso lexabiso. Ngoko kunyaka wokusabalalisa, imali engama-25,000 yeengeniso iya kubikwa kwirejista yakho yerhafu njengentlawulo yomhlalaphantsi.
- Ukuxabisa okungekho phantsi kweNative (NUA) yohlukwano phakathi kwesiseko sexabiso kunye nexabiso lentengo xa isitokhwe sisasazwa kwisicwangciso. Kucinga ukuba usuku lwesitokhwe sisasazwa ixabiso elipheleleyo lezabelo zakho li-$ 60,000. Njengoko ixabiso lakho liyi-$ 25,000, ukwazisa okungekho kwemali kuya kuba yi-$ 35,000. Ngokuqhelekileyo awuhlawuli irhafu kulo mvuzo ongenakuthengiswa ngumhlaba de uze uthengise isitokisi, kwaye ngelo xesha kuya kuhlawulwa irhafu kwixesha elide lozuzo lwentengo nokuba uthengisa ngokukhawuleza. (Unokwenza ukhetho olukhethekileyo ukuhlawula irhafu ngexesha lokusasazwa. Oku kunokuba nengqiqo ukuba ingeniso yakho yonyaka ikubeka kwizinga eliphantsi okanye eliphantsi kwexabiso lemali eyinzuzo kwaye ulindela kwikamva lakho inzuzo yentlawulo ezuzayo. kuba phezulu.)
- Ukuxabisa okongeziweyo yithuba elichaza i-capital earnings xa uhambisa i-stock, ukuba iyaqhubeka nokunyuka kwixabiso. Olu xabiso olongezelelweyo luhlawulwa ngetyala elifutshane okanye elide lexesha elide ngokuxhomekeka kwithuba elide ubeka ngayo izabelo emva kokuba zisasazwa kwisicwangciso. Kufuneka ubambe izabelo zincinci zeenyanga ezili-12 ukuze ufanele ukufumana ixabiso lentlawulo yexabiso lentlawulo eliphantsi kwexesha elide.
Indlela yokuchonga ukuba iNUA yeNyango Yonyango iyakusindisa imali
Kukho amanani amaninzi e-intanethi angabonakaliyo, kodwa ezininzi zazo ziphosakele.
Uhlalutyo olulungeleleneyo luza kukuvumela ukuba usebenzise ifomati yesalathisi ukufaka amanani entlawulo ehlawulwayo ngonyaka, ixabiso lentengo ehlawulwayo, kunye nokwabiwa kweminyaka ngonyaka. Nazi izinto zokuqwalasela xa wenza isigqibo sakho:
- Umdala: Osemncinci usisithuba esithile sokuba kukho ukukhula okuxubileyo kwerhafu yokubeka intela kwi-IRA ukuba ikhuphe ngaphezulu kwexabiso lentlawulo yexabiso eliphantsi elingaphantsi kokusasaza isitokisi. Nangona kunjalo, yonke i- 401 evamile (k) imithetho yokusabalalisa iminyaka iyasebenza. Ukunikezelwa kwe-NUA akukhululwa kwiintlawulo zerhafu zokusabalalisa kwangaphambili.
- Inani lemali kwiakhawunti yomhlala-phantsi: Ininzi lemali yakho ekhompyutheni echazwe ngerhafu (401ks, IRAs, 457s, 403bs, njl.) Ukusabalalisa i-stock nge-NUA unyango lwerhafu kunokunika ithuba lokuphuhlisa ngokukhawuleza ibhalansi phakathi kweerhafu zangaphambili kunye nentela emva kwentela . Oku kunokubangela ukugcinwa kweerhafu ezongezelelweyo kamva kwiminyaka yakho yomhlala-phantsi xa kunikezelwa ubuncinane ubuncinane (i-RMDs) kwiakhawunti yomhlalaphantsi. Ngokunciphisa inani lemali kwiakhawunti yomhlala-phantsi uza kunciphisa ii-RMD zakho.
- Inani le-NUA: Ukuba isiseko siphantsi kwaye ixabiso langoku le-stock stock liphezulu, lingenza ukuba unyango lweNUA lube luhle kakhulu.
- Iireyithi zakho zerhafu: I-rate yakho yerhafu yengeniso ngokuqhelekileyo kwiminyaka ezayo xa uya kuthatha ukuhambisa kwiakhawunti yomhlala-phantsi ixelwe ukuba ibe phezulu kakhulu kunezinga elide lokufumana irhafu le nto leyo inokukwenza isicwangciso se-NUA sibe sihle.
- Umngcipheko: Isitokethi ngasinye sisityalo- mali esiphezulu kakhulu kunotyeliyo . Ukuba inkampani yenkampani ibonisa inxalenye enkulu yeempahla zakho zezezimali kwaye uceba ukugcina isitokisi emva kokusasaza kwisicwangciso kufuneka uqwalasele umyinge wobungozi bokutshala imali oku kuquka oko.
Xa uqwalasela le ndlela yokuhambisa isistim seenkampani kwisicwangciso somhlala-phantsi uhlalutyo olumiselwe ngumcwangcisi womhlala-phantsi oqeqeshiweyo okanye ugqirha wezentengiso unconywa.