Kukho iinkqubo ezininzi zokuhlala zomhlala phantsi ezikhoyo. Xa useneminyaka engama-20 kufuneka ugcine kunye nokucwangcisa umhlalaphantsi wakho. Oku kuyinyani ngokukodwa ukuba usebenza ngokuzimeleyo. Nangona ucinga nje ukuba uziqhelise, kufuneka uqonde imigaqo yerhafu ofuna ukuyilandela ngaphambi kokuba uthathe. Izinketho zomhlala phantsi ziyahluka kodwa unokufumana inkqubo kunye ne-akhawunti efanelekileyo kuwe. Kubalulekile ukuqwalasela ngokucophelela ukuba ufuna ukuhlala phantsi ngokukhululekile. Xa usebenza ngokuzimeleyo ulahlekelwa izibonelelo zomrhumo womlinganiso womqeshi, ngoko kufuneka ugxininise ekugcineni umhlalaphantsi. Ukulandela imithetho yokugcina imali yomhlalaphantsi kufuneka kukuncede ufinyelele iinjongo zakho. Ekubeni awuyi kufaneleka u-401 (k) , xa usebenza ngokuzimeleyo, kubalulekile ukuthatha isicwangciso sakho somhlalaphantsi ngokukodwa.
01 I-IRs yeNdabuko kunye neRoth ye-Self Employed
Ii-akhawunti ze-SEP ze-02 ze-Self Employed
Enye inketho yi-akhawunti ye-SEP. Izicwangciso zempesheni ye-Penishede Penyee zinikezelwa kubanikazi bamashishini abancinci ukuba bamisele abasebenzi babo. Nangona kunjalo, abanikazi bodwa abanokuzifakazela. Awunayo ukufaka isandla semali efanayo ngonyaka, okuvumela ukuba uguquke xa unomnyaka onzima. Kufuneka uxoxe neengcali ukuba unomdla kule akhawunti. Kukho umda wenkxaso ohambelana ne-akhawunti.
03 I-akhawunti ye-KEOGH ye-Self Employed
Unokucinga kwakhona ukuseka i-akhawunti ye-KEOGH. Le akhawunti ifana ne- 401K . Isixa osinikelayo sincike kwisicwangciso osibhalisela sona. Isixa sisetyenziswe kwaye kufuneka ube negalelo lemali ngonyaka. Oku kuya kukunceda uqhubeke negalelo kumhlalaphantsi wakho. Kukho iindleko zokusebenza ezihambelana nale akhawunti, kuba ufuna i-actuary ukulawula kwisicwangciso kunye neminikelo yakho ngonyaka. Le yiplani yokulondolozwa ehlawulwe irhafu.
04 Ezinye iinketho zokugcina umhlala-phantsi kwi-Self Employed
Ukongezelela, kufuneka uceba ukugcina umhlala phantsi ngaphandle kwezi zixhobo. Unokuqwalasela ukutshala imali kwi-stock, i-real estate, imali kunye kunye nezinye iindlela zokutshala imali. Kubalulekile ukudibanisa iiphothifoliyo yakho. Emva kokuba uqikelele ukuba uninzi kangakanani umhlala phantsi ngokufanelekileyo, kufuneka ufumane inani elifunekayo ukufaka inyanga nganye ukufikelela kuloo njongo. Ukuba uthetha kumcebisi wezezimali kufuneka bakwazi ukukunceda. Njengoko wenze imali engaphezulu, kufuneka ube negalelo elininzi kumhlalaphantsi.