Inani leenkampani ezinikezela izicwangciso zempesheni ziye zancipha kakhulu kule minyaka embalwa edlulileyo. Abasebenzi baye bamthanda izicwangciso zempesheni ngenxa yokuthatha umhlalaphantsi, baqinisekisa ukuhlawulwa kwenyanga kwisicwangciso esiza kubaphatha ngomhlalaphantsi.
Namhlanje, iinkampani ezimbalwa zinikeza izicwangciso zempesheni, kwaye 401 (k) izicwangciso zithatha indawo yazo. Kukho ukungafani okumbalwa phakathi kwezicwangciso ezimbini.
Umzekelo, izicwangciso zempesheni zichazwe izicwangciso zenzuzo, kwaye 401 (k) izicwangciso zichazwe izicwangciso zenkxaso. Kwiplani yomhlala-phantsi, ingozi yokutyalo-mali ngumthwalo wesibonelelo somboneleli, kwaye ngo- 401 (k) cwangcisa ingozi yokutyalo-mali yileyo yomqeshwa. Ngexa i-401 (k) isicwangciso singenakuvakala njengenzuzo njengoko isicwangciso somhlala-phantsi, ngolunye usuku unokuxhasa imali eninzi yomhlalaphantsi wakho. Ngoko ke, kubaluleke ukuba uthathe inxaxheba kwi-401 (k) isicwangciso esinikezwa ngumqeshi wakho.
Ukuba uhamba ngokubhekiselele kumhlalaphantsi kwaye awuqinisekanga ngokucacileyo icebo lemidlalo elifanelekileyo kwi-401 yakho (k), nakhu izicwangciso ezintlanu eziza kukunceda wenze ubuninzi bezinto ezixabisekileyo:
1. Shiya imali kwisicwangciso sakho. Ukuba unako ukufumana ngaphandle kwemali kwi-401 yakho (k) ngokukhawuleza, ungaqali ukukhawuleza imali yakho ngokukhawuleza. Khumbula, le ntlawulo yerhafu imisiwe uze uqale ukuyikhupha kwaye uya kuhlawulwa irhafu xa usasazwa.
Uneminyaka engama-70 1/2 ngaphambi kokuba ufumaneke ukuba uthathe ii-RMD (iimfuno ezincinane ezifunekayo). Izahlwayo ziza kwenzeka xa ungathathi i-RMD yakho ukuze uqiniseke ukuba oku kungangeni kwiziqhekeko.
2. Ukuhoxisa ama-4 ukuya kuma-5 kuphela ngonyaka ngonyaka. Ukuba ufuna ukuqala ukurhoxisa imali yakho, kufuneka uhoxise imali encinci kuphela, ingakumbi ukuba i-401 yakho (k) ingumthombo wakho oyinzuzo yengeniso.
Iimpahla ezingaphezulu kunye nengeniso yomhlala-phantsi onayo, njengezakhiwo zokuqeshisa okanye umsebenzi wesikhewu, xa unako ukukwazi ukurhoxisa. Ukukhangela i-401 yakho (k) ngokukhupha kuphela imali encinci kunenzuzo kakhulu.
3. Yiba neengxowa-mali. Kulula ukudibanisa kwi-401 yakho (k) xa kukho imeko engxamisekileyo, kodwa ngokuqinisekileyo, isicwangciso esilungileyo sokufumana isikhwama sengxamisekileyo . Ingxowa yakho yexakeka kufuneka ibe neenyanga ezintandathu zemali okanye utyalo-mali olunokuthi ungathintela naliphi na ixesha kwimeko apho ungalindelekanga.
4. Cwangcisa indlela oya kusebenzisa ngayo 401 (k) imali. Izinketho ezahlukeneyo zisebenza bhetele kwiimeko ezahlukeneyo, ngoko qwa lasela ukuthetha nomcebisi wezezimali oza kukunceda ukhethe ikhondo elincinane lezenzo zokuhlangabezana neenjongo zakho. Khumbula ukuba unako ukuqhubeka nokwandisa isicwangciso sakho emva komhlalaphantsi ngokutshintsha imali-mali, ukuqinisekisa ukuba 401 yakho (k) idibana neenjongo zakho zezemali, kwaye igcina iphothifoliyo yesitotfo esomeleleyo.
5. Nikela umxhamli. Ngenxa yokuba i-401 (k) i-akhawunti yomhlala-phantsi, unokwabela umxhamli ukuba afumane iingenelo-ezifana neqabane lakho. Oku kuya kuqinisekisa ukuba iqanda lakho leendlala liya kubanceda bakho abathandekayo xa behamba.
Ukukhusela i-401 yakho (k) Iimpahla
Kukho iindlela ezimbalwa ezilula ukuba unokukhusela ama-401 (k) asethi.
Emva koko, kungakhathaliseki ukuba utyalo-mali, akukho ndlela yokuchaza ukuba imarike iya kunyuka okanye iphantsi, okanye oko uqoqosho lwethu luya kubonakala lufana neminyaka emininzi ukususela ngoku. Ukuze uqokelele ngeemakethe ze-stock market kwaye uzive ukhululekile ukuba utyalo-mali lwakho luya kusebenza kakuhle kwixesha elide, nakhu izinto ezimbalwa ezibalulekileyo ukugcina engqondweni:
* Ukwahlula iphothifoliyo yakho. Akulungele i-100 yeepesentiliyo yakho ukuba ityalwe kwiitokisti, ngoko qi ni sekise i-asethi yakho. Ngaloo ndlela, ukuba imarike yemasheya ithatha i-hit okanye ihamba ngokulungiswa, yonke iphothifoliyo yakho inokuhlawulela ezo ndawo ezichaphazelekayo.
* Khumbula ukuba izilungiso zesikhashana. Gcina ukhumbule ukuba ukunyaniseka kweemarike kuya kuhlala kuthintela ifa lakho kwinqanaba elithile. Izilungiso ziqhelekileyo kwaye zisesigxina.
* Utyalomali kwixesha elide. Kungakhathaliseki ukuba usondele kangakanani kumhlalaphantsi, cinga ngendlela uzinzo lwakho oluzinzileyo luhlala ixesha elide. Qinisekisa kwisicwangciso sotyalo-mali esisisiseko ukuze imali yakho ingayi kuze iphele.
* Hlangana nomcebisi wezemali. Shedyuli rhoqo iintlanganiso kunye nomcebisi wakho wezezimali ukuqinisekisa ukuba unxaxheba ngokusebenzayo kwinkqubo yokulawula iphothifoliyo yakho.
Ngaba unomdla wolwazi olungakumbi malunga nendlela yakho 401 (k) ingaba yintoni umthombo obalulekileyo wokufumana umhlalaphantsi? Ukuba kunjalo, qha ga mshelana nomcebisi wezezimali ofanelekileyo onokukunceda. Ngeengcebiso ezongezelelweyo ezongezelelweyo, nceda ukhupha le e-ncwadi, njani i-401 (k) ingaba yiPensheni yakho.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.