Ezinye iziseko ze-401 (k) utyalo-mali lomhlalaphantsi
I-401 (k) Imilinganiselo yokulinganisa
I-401 (k) izinga lokulinganisa lizinga apho umqeshi wakho aya kufanisa umrhumo wakho.
Umqeshi ofana ne-dollar-to-dollar, okanye i-100%, uza kufakela i-$ 1.00 kwi-401 yakho (k) yonke i-$ 1.00 oyilondolozile, ngokukhawuleza uphindwe kabini imali oya kutyalomali. Ukuba umqeshi wakho ulingana ne $ 0.50 kwi dollar okanye i-50%, uza kubona i $ 0.50 eyongezelelweyo kwi-401 (k) yakho yonke i-$ 1.00 egcinwe nge-akhawunti.
I-401 (k) Ukulinganisa ukulinganisa
Iinkampani ziyazi ukuba u-401 (k) ukuhambelana nento enkulu. Benza ukuba bancede abasebenzi babo batyalole umhlalaphantsi kwaye bancedise abatsha abanamakhono kunye nabaphathi. Kodwa malunga nazo zonke iinkampani zibeka umda kwipesenti yomvuzo wakho unako ukufaka isandla kwi-401 (k) isicwangciso kwaye ufumane imali ehambelanayo.
Ukunciphisa i-fund efanayo ye-fund ye-401 (k) i-akhawunti ibonakala ibe ngu-3% womvuzo. Ezinye iinkampani ziya kwi-8% yomvuzo. Kuxhomekeke ngokupheleleyo kwimigaqo-nkqubo yomhlalaphantsi. Ngokomzekelo: Ukuba ufumene i-$ 50,000 ngonyaka kwaye inkampani yakho ihambelana no-401 (k) iminikelo kwi-100% ukuya kwi-3% yomvuzo, uza kufumana i-$ 1 kuyo yonke i-$ 1 oyigcinayo kwi-$ 1,500 yokuqala oyifake kwi-401 yakho (k ) i-akhawunti (i-$ 50,000 x 3% = imitha eyi-1,500 yemida yokunciphisa).
Imali eyongezelelweyo ibenegalelo ngaphaya komda wokulingana kunye nangaphantsi kwe-401 (k) umda wegalelo awuyi kufumana nayiphi na into ehambelana nomqeshi wakho.
401 (k) Umrhumo woMrhumo
ICongress ifuna ukuba ulondoloze umhlalaphantsi, kodwa zibeka imida kwimali ongayifumana kuyo kwi-401 (k) akhawunti ngokumisela okubizwa ngokuba ngu- 401 (k) imida yokunikela .
Ezi zivame ukuguqulwa kunyaka-ngonyaka ngokusekelwe kumlinganiselo wokunyuka kwamaxabiso .
401 (k) Ukukhutshwa kweRhafu
Xa unikela ngemali kwi-401 yakho (k), i-IRS ithatha inxaxheba njengomvuzo wokuncitshiswa kweerhafu ngoko ungenanto yokuhlawula irhafu okanye irhafu yengeniso kuyo. Okokuba utyalomali i-$ 5,000 kwi-akhawunti yakho engama-401 (k), kwaye unayo imali engama-$ 50,000 kwimali engenayo, uya kubona i-deduction yentlawulo ye-5 000 yeerhafu, ukunciphisa umvuzo wakho ohlawulelweyo kwi $ 45,000. Akusoloko ilula, kodwa inxalenye enkulu, oku kusebenza ngayo ukuba ungumqeshwa oqhelekileyo.
Oku kuthetha ukuba i-401 (k) iminikelo inenzuzo enkulu njengoko wenza indlela yakho kwiibhakethi zerhafu eziphezulu. Ukuba wena kunye nomlingane wakho udibene kunye ne-25% ye-tax bracket kwaye ufakela ngokubambisana, i-$ 5,000 yama-401 (k) igalelo iya kunciphisa i-bill yakho ye-R250.
401 (k) Ukukhutshwa kobunzima
Kwezinye iimeko, kunokwenzeka ukuba uthathe umboleko wexakeka kwi-401 (k) isicwangciso sakho. Oku kwaziwa ngokuba ngu- 401 (k) mboleko yenkinga kwaye kufuneka uyihlawule okanye ubhekane neerhafu ezintle kunye neentlawulo zerhafu.