Indlela Yokulondoloza Ngomhlala-phantsi Xa Umqeshi Wakho Akanikeli IsiCwangciso se-401k
Ukususela ekuqalekeni ngo-1978, iiplani ezingama-401k ziye zaba yintlobo ethandwa kakhulu yomqeshi wokuthatha umhlala-phantsi e-US Kodwa ke, izigidi zabasebenzi baseMerika azikwazi ukufikelela kwezi zicwangciso. Enyanisweni, ngokwesi sifundo ngo-Matshi 2016 yi-US Bureau of Labor Statistics (BLS) abasebenzi abangama-67 bexesha elizeleyo baseMerika banokufikelela kwizicwangciso zenkxaso ezichaziweyo ezixhaswe ngumqashi kunye neepesenti ezingama-48 kuphela ezithatha inxaxheba kulezi zicwangciso.
Oku kushiya ipesenti enkulu yamaMelika ngaphandle kokufikelela kwisicwangciso se-401k esifuna ukufumana iindlela ezizezinye zokugcina umhlalaphantsi.
Ngoko yintoni eyenza i-401k isicwangciso? Esi siteshi sokulondoloza sisetyenzisiwe kwerhafu kwaye indlela efikeleleke kalula kubaqeshwa baqokelela ubutyebi ngexesha lokuthatha umhlalaphantsi. Ukuba ubungenakuqaphela kakade, inxaxheba kwisicwangciso se-401k ivumela iinzuzo ezininzi.
- Iminikelo yakho kwi-401k yakho yenziwe "ngaphambi kwentela," oko kuthetha ukuba zithathwe kwiholo lakho elihlawulwa irhafu kuloo nyaka.
- Ezi ndolozo zikhula zingaxilwanga uze uzihoxise ixesha elide emva kokuba uguqule iminyaka engama-59.5 ubudala.
- Ukunyanzeliswa "ukunyanzeliswa" kuthetha ukuba iminikelo ichithwa ngokuzenzekelayo kwi-paycheck yakho.
- Abanye abaqeshi bafanisa inxalenye yenkxaso yakho. (Ngokuyinqobo, imali yamahhala.)
Ukuba umqeshi wakho akanikeli i-401k okanye u-kontraki ozimeleyo kwaye ngoko ungagunyazisiweyo ukuba uthathe inxaxheba, kunokuthabatha uqeqesho kunye nokuzibamba kodwa kunokwenzeka ukuba ubuyisele enye imilingo engu-401k kwaye yinto efanelekileyo yokwenza kunjalo.
Kodwa iindaba ezilungileyo kukuba sele useyinyathelo elingaphambili kuba ufunda eli nqaku.
Nantsi into onokuyenza:
Vula i-IRA . IRA ikuvumela ukuba ulondoloze ukuya kuma-5 500 $ ngonyaka. Njengama-401k, igalelo lakho linciphisa imali engenayo engenayo kwaye ukhulise umrhumo werhafu uze uqale ukukrazula imali. Umda wenkxaso ukwandisa ukuya kuma-6 500 $ ngonyaka xa uneminyaka engaphezulu kwama-50 kunye nezibini ezitshatileyo zingaphinda ziphindwe kabini ukuvunyelwa, nangona ukuba elinye iqabane lingasebenzi.
I-Roth IRAs ihlawuliswa ngokungafaniyo kodwa ingaba yinto efanelekileyo yokuqwalasela ngokuxhomekeke kwimeko yakho. Ngaphandle kweRoth, ulahlela ukuhlahliswa kwentlawulo yangaphambili kodwa ukuhoxiswa kwakho kwerhafu. Imida yoxanduva ifana ne-IRA yendabuko.
Ukuba usebenza ngokuzimeleyo, cinga ukuseka i-SEP IRA. Umqeshwa okanye umqeshwa wesivumelwano ohlawulwa kwi-1099 unokufaka isandla kwi-20 yepesenti yembuyekezo yabo yonyaka ukuya kwi-SEP, ngokwemiqathango eyahlukeneyo kunye nezikhokelo.
Uya kufuna ukuvula i-akhawunti yakho ehlawulwe irhafu kunye ne-firm firm. Imirhumo kunye neendlela zokutshala imali kwigalelo lakho ziyahluka ngokubanzi, ngoko qiniseka ukuba wenze uphando lwakho kwaye uyazi ukuba zeziphi iimali ezihlawulayo.
Ukuba uthabatha indlela ye-IRA ekuqwalasele ukuxhasisa le akhawunti ngezinye izicwangciso zomhlalaphantsi. Ngokomzekelo, abaqeshi abaninzi banikela ngeminikelo ehambelanayo kwi-401 (k) iiplani, eziyimali yomhlala-phantsi yomntu ohlala phantsi. IRAs azikwazi ukubandakanya eli galelo elihambelanayo kuba yi-akhawunti ngayinye ngoko ayibophelelwanga nayiphi na umqeshi. Awunakuze uqiniseke oko ikusasa elibambelayo kuba lihlala liluvo oluhle lokuba neendlela ezongeziweyo zokulondolozwa.
Yenza iSebe eliLawulayo . Eli nyathelo likuqinisekisa ukuba "uzihlawule kuqala" njengoko wenzayo xa ubhaliswe kwi-401k.
Qaphela ukuba umqeshi wakho unokukhokelela inxalenye yakho yokuhlawulwa kwe-payroll kwi-IRA yakho okanye enye i-akhawunti yokutshala imali. Ukuba akunjalo, misela i-akhawunti yokutshekisha kwinqwelo-mali ukuze igalelo lizwe ngqo ngqo kwisikhwama sakho somhlala-phantsi kwi-payday.
Vula i-akhawunti yerhafu yokurhweba . Xa usufikelele kwigalelo eliphezulu lonyaka kwi-IRA yakho, faka imali yakho kwi-akhawunti ye-investing rhoqo apho uza kuqokelela iifowuni, iimali ezidibeneyo, izibophelelo kunye nokunye. Nangona la ma-akhawunti ahlawulwanga irhafu kukho iindlela zokunciphisa irhafu.
Kwaye ekugqibeleni:
Qinisekisa umqeshi wakho ukusekela isicwangciso se-401k . Ukunikezela nge-401k yindlela eqinisekisiweyo yokunciphisa inzuzo, ukuncedwa ukuqashwa nokukhuthaza ukuziphatha komsebenzi. Kwakunzima kwaye akunzima kakhulu ukulawula. Ukuba umqeshi wakho ubonisa umdla ekumiseni i-401k, iivolontiya ukulungiselela nokumnika ngeendlela ezahlukeneyo.
Kuya kuhlawula ixesha elide . Xa ubeka ingcamango ye-401k ufumana abasebenzi abasebenzisana nabo kwaye uqale nomntu ophethe ezi ntlawulo ezifana nezibonelelo zomlawuli kubasebenzi. Ukuthengisa i-401k kufana nokuthengisa nayiphi na imveliso ngoko qi ni sekisa ukuba uyazi izibonelelo kunye nendlela eya kwenza ubomi bube bhetele kwiinkampani nabasebenzi bayo.