Ukuba uxolo lweengqondo kwiminyaka yakho yomhlalaphantsi, iintlawulo zerhafu, kunye nemali ekhululekile yomsindo isilungele kuwe, ke ungalindi omnye unyaka ngaphambi kokuqala ukufaka inxaxheba kwi-401 yakho (k). Kungaba yenye yezona zigqibo ezigqwesileyo ezenzileyo.
Ingaba uneminyaka engama-20 okanye i-50 yakho, ukuba awuzange uqale ukubeka imali kwi-401 yakho (k), ixesha elifanelekileyo lokuqala likhoyo. Abantu abaninzi abaqapheli ukuba i-401 (k) isicwangciso sinokuba ngumthombo omkhulu wemali engenayo ukuqinisekisa ukuhlala umhlalaphantsi.
Nazi iindlela ezithandathu zokunceda ukwandisa u-401 (k) ukukhula:
1. Banikela ngokuzenzekelayo
Musa ukulinda de emva kokuba ufumene i-paycheck yakho ukubeka imali kwi-401 yakho (k). Imali ihoxiswe ngokuzenzekelayo kwingeniso yakho ukuze ungenalo ithuba lokuchitha imali. Ukwandisa iminikelo yakho phezu kweminyaka njengoko ufumana imali engenayo.
2. Khetha i-Rate Your Own Save
Ireyithi yokugcina yokugcina engama-401 (k) malunga neepesenti ezingama-3. Le mali ayiqinisekisi ngokuqinisekileyo umhlalaphantsi ocebileyo, ngoko jonga ezinye iinketho zakho uze ufumane izinga eliphezulu.
3. Khangela kwiNkxaso yoMqeshi
Nangona ezininzi iinkampani zidibanisa ipesenti ethile kwi-401 yakho (k), abanye banokunikela ngeminikelo esekelwe kwingeniso yakho okanye iphesenti yenzuzo yenkampani. Gqiba apho imeko iyakusindisa imali eninzi.
4. Tyala iRhafu
Imveli 401 (k) iya kukuvumela ukuba ungayikhokheli intlawulo yerhafu yengxowa yakho kwi-akhawunti yakho.
Naluphina ukukhula kotyalo-mali kwi-akhawunti kwakhona akukho ntlawulo.
5. Khetha i-Investments-Low Costs
Olunye utyalo-mali kwi-401 yakho (k) lunokuba nexabiso lokuhlawula imali echanekileyo kwi-akhawunti yakho yokuthatha umhlalaphantsi, ngoko qiniseka ukuba uhlolisise ukhetho lwakho kwaye ufumane utyalo-mali ngexabiso eliphantsi.
6. Gweba iintlawulo kunye nezohlwayo
Ukuba uhoxisa imali kwi-401 yakho (k) ngaphambi kokuba ube ngu-59 1/2, unokuhlawulwa ukuya kuma-10 ekhulwini ukukhishwa kwangaphambili.
Kodwa ungalindelanga ixesha elide-kwi-70 1/2 yobudala unyanzelekile ukuba uthathe oko kwaziwa ngokuba yi-distribution minimum efunekayo (RMD). Ukuba uhluleka ukuthatha le ntlawulo, uya kufuneka uhlawule isigwebo se-50% (50% yesamba sokuhambisa).
Ngaba unomdla wolwazi olungakumbi malunga nendlela yakho 401 (k) ingaba yintoni umthombo obalulekileyo wokufumana umhlalaphantsi? Ukuba kunjalo, qha ga mshelana nomcebisi wezezimali ofanelekileyo onokukunceda.