Sebenzisa le Iintlobo zeeNgxowa kwi-401 yakho (k)
Xa ubheka 401 yomqashi wakho (k) uceba ukukhetha utyalo-mali, mhlawumbi ufumana i-10 okanye 12 yeemali eziphathekayo, ezibandakanya iintlobo ezintathu ezisisiseko: 1) iiNgxowa-mali, ii-2 ze-Bond Funds kunye ne-3) Iimali ze-Market Market. Ukuba unolwazi olungaphezulu kweyodwa, kungabulumko ukuba usebenzise ezinye zee-401 (k) uze usebenzise ezinye iintlobo kwenye indawo.
Ukuba unayo i-akhawunti yerhafu yokurhweba ngaphezu kwe-401 (k) yakho, uya kufuna ukugcina utyalo-mali oluvelisa iirhafu kwi-401 (k) kunye notyalo-mali olwenza irhafu encinci kwi-akhawunti ehlawulwayo.
Ukuba yonke yakho ingu-401 (k), uya kubela kwaye utyalomise nayiphi na indlela efanelekileyo kwiinjongo zakho kwaye ngokuqhelekileyo ungayihoxisi esi sikhokelo (ngaphandle kokuba uceba ukuvula i-akhawunti yomrharensi ehlawuliswayo kungekudala).
Khumbula ukuba imali yokufumana imali ekugcinwe kwii-akhawunti zomhlala phantsi, ngamanye amaxesha abizwa ngokuba yi-akhawunti ehlawulwe irhafu, ayifakwanga irhafu kuze kube yilapho ihoxiswa; irhafu "imisiwe," oku kuthetha ukuba uyihlawule kamva kunoko.
Ngako oko ufanele ugcine umvuzo wakho, izabelo kunye nomdla kwaye ufumane inzala phezulu ukuba inzala, njalo njalo. Ukongezelela, akukho ntlawulo yerhafu, igalelo okanye inzuzo ngelixa utyalo-mali lubanjwe kwi-401 (k). Oku kuvumela ukukhula ngokukhawuleza, ngenxa yamandla okuqulunqa umdla .
Ukwenza imali yakho isebenze nzima kunokwenzeka, qiniseka ukuba ufumane iimali kwi-401 yakho (k) ehlawulwa intela ephezulu kunye nemali evelisa amanqaku amaninzi kunye nomdla kwiakhawunti yakho yomhlalaphantsi.
Ngako oko ufuna ukugcina igalelo leemali , uxanduva lweemali kunye neengxowa-mali zakho ezikhulayo kwi-401 yakho (k). Unokufumana i-index yakho mali kwiakhawunti yakho yerhafu.
Unokuphinda uqwalasele ukuba ubeka phi ixesha ukuthengisa iimali ezithile. Ngokomzekelo, ukuba unenzuzo enkulu evela kwingxowa-mali ethile, kwaye ugcinwe kwi-401 yakho (k), awuyi kuhlawula nayiphi irhafu kwi-capital benefit xa uyithengisa i-fund.
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.