Indlela yokuLawula imali yakho yokugcina umhlalaphantsi
Abanye abasebenzi banokufikelela kwi- 403 (b) okanye kwisicwangciso se-457 endaweni ye-401 (k) isicwangciso kwaye basebenza ngokufanayo.
Nazi ezi sixhenxe ezibalulekileyo iindlela zokuqinisekisa ukuba ufumana inxaxheba kwisicwangciso somhlalaphantsi emsebenzini.
Gcina njengoko Kunokwenzeka namhlanje
Kukholisa ukuhlakanipha ukuhamba ngaphaya kwamaxabiso okugcina angagqibekanga ezininzi izicwangciso ezisebenzisayo ngokuzenzekelayo ukubhalisa izithuba ezintsha. Abaninzi bamacwangcisi bemali bayavuma ukuba kufuneka ugcine i-10-20% yemali efunyenweyo minyaka yonke kulo lonke ixesha lokuqhuba umsebenzi wakho ukuze uhlale uphila ngendlela efanayo ngexesha lomhlalaphantsi. Le ndlela ikwandisa amathuba okuba uqokelele imali eyaneleyo yokufaka iinjongo zengeniso ngexesha lomhlalaphantsi.
Max uMatshi
Ukuba umqeshi wakho ujongene neminikelo yakho, qi ni sekise ukuba usebenzise ngokugcwele le mali yamahhala enika ukuphucula kakuhle ukugcinwa kwakho komhlalaphantsi.
Cinga NgeeNkokhelo Zakho Zentlawulo yangoku kunye neNtela ezayo
Imirhumo yentlawulo engekahlawulwa kwi-401 (k) izicwangciso zinika inzuzo yerhafu yangoko. Ubungakanani nokubaluleka kwesi sikhokelo serhafu kuxhomekeke kwibakethi yakho yentela. Unokulinganisela inani lemali yokulondoloza irhafu oza kubona ngenxa yempxaso yangaphambili yentlawulo usebenzisa izixhobo ezifana nale-Calculator Savings Pre-Tax.
Ezinye izicwangciso zokuthatha umhlala-phantsi zinikeza inketho ye-Roth ekunika amandla okutyalo-mali kwi-tax free. I- Roth 401 (k) idla ngokukhetha ukukhetha xa ungenayo imfuneko yentlawulo yangaphambili yerhafu ngaphambi kokuhlawula okanye ukulindele ukuba ube kwi-bracket enye yentela xa uqala ukuhambisa.
Yenza Ixesha Elizayo Liyakwandisa Kwi-Savings Yakho ngokuzenzekelayo
Kulula ukubeka iminikelo yethu yomhlalaphantsi ekulawuleni iinqwelo kunye nokulibala ukwenza utshintsho olubalulekileyo njengoko ixesha lidlulayo.
Ingcipheko yale " yibeke kwaye uyikhohlwe " ingqalelo kukuba imeko yethu yezemali iyatshintsha rhoqo. Ngelishwa, iinjongo ezilungileyo zokugcina ngaphezulu kamva ebomini azisoloko zilandelwa ngokuqhubekayo. Yingakho iingcali zezemali zibonisa ukuba unako ukugcina ingakumbi ngomso ngokusebenzisa isicwangciso sokuthatha umhlalaphansi ngokukhawuleza kwandisa ixesha.
Izicwangciso ezininzi zokuthatha umhlala-phantsi zibhalisa ngokuzenzekelayo abathathi-nxaxheba abatsha kwinkqubo yokunyuka kwezinga lomnikelo. Abanye bavumela abasebenzi ukuba batyikitye kule nxalenye ebalulekileyo ngaphandle kweendleko ezongeziweyo. Yintoni eyenza ukuba u-401 (k) iimpawu zokulondoloza zikhangele ngakumbi kukukwazi ukutshintsha ingqondo yakho okanye wenze izibuyekezo kumlinganiselo wenkxaso nangaliphi na ixesha.
Nasi umzekelo wendlela yokunyuka kwezinga lomrhumo osebenza ngayo:
Masicinge ukuba uMichelle uneminyaka engama-30 ubudala kwaye ugalela i-5% yomvuzo wakhe (i-$ 60,000) kwi-401 (k) icebo kunye ne-1% yokunyuka kwamazinga ngonyaka kunye ne-cap% 15. Emva kweminyaka engama-30 kunye ne-6% yokunyuka kwenyaka-mali ngonyaka we-401 (k) ibhalansi iya kuba malunga ne-$ 577,000 ngokulingana ne-244,500 zamaRandi ngaphandle kokunyuka kwe-othomathikhi. Awunalo ixesha elininzi kwicala lakho? Emva kweminyaka engama-10 umehluko usengaphantsi kwama-$ 34,000 usebenzisa umzekelo wangaphambili.
Khetha uMxube oTyala loTyalo-mali kwiimeko zakho
Ukukhethwa kweefolthifoliyo ezininzi zokuthatha umhlalaphantsi kunokuba ngumngeni.
Ukufumana imodeli yokunikezelwa kwee-asethi ezifanelekileyo kudinga ukufanisa inqanaba lakho lokuthuthuzela ngengozi njengomtyalo-mali ngexesha lakho lokutyalomali. Izicwangciso ezininzi zokuthatha umhlala-phantsi ngoku zibonelela ngeengxowa-mali zeempahla zexabiso okanye i- targeted funds for date to help the planners participating in different investments (kwii-stocks, bonds / income income).
Gwema u ku rhoxiswa kwangaphambili
Kungenzeka kube nzima ukukhishwa kwangethuba kodwa imiphumo yexesha elide ayifanelekanga. 401 (k) Imithetho yokuhoxiswa ingaba nzima kwaye kukho imeko ezithile apho izigwebo zingagwenywa. Nangona kunjalo, ukuba ushiya umqeshi okanye uhlangabezane nobunzima bezezimali ngokuqhelekileyo kucetyiswa ukuba ugweme ukukhutshwa kwangaphambili kwi-401 (k) icebo.
Sebenzisa kuphela 401 (k) Imali njengesiqithi sokugqibela
Eminye i- 401 efanelekileyo (k) iinkalo zembolekiso zibandakanya akukho hlola iikratshi kunye namazinga omdla okhuphiswano.
Ziyakwazi ukuba ngumthombo wemali kodwa kudla ngokubulumko ukuphepha ukuboleka kwi-401 yakho (k) . Kukho ixabiso lokufumana ithuba lokungaphuthelwa kwiimarike ngelixa uhlawula umdla kuwe. Kodwa umngcipheko omkhulu kukuba ungagqiba ukuhlawulwa irhafu kunye nezohlwayo xa ushiya umsebenzi wakho kwaye awukwazi ukuhlawula imali ebhaliweyo yemali kwimali engama-60 iintsuku zokushiya umqeshi.
Amanyathelo alandelayo: Yenza isicwangciso soMsebenzi wokuThatha umhlalaphantsi
Ukuze ufumane ubuninzi bakho kwisicwangciso sakho sama-401 (k), kubalulekile ukuba nombono ocacileyo wokuba ulondoloze umhlalaphantsi kwindawo yokuqala. Sonke sinenkcazelo yethu ekhethekileyo yento igama elithi "umhlalaphantsi" lithetha. Ukuba ufuna ukuqiniseka ukuba wenze ukhetho olungcono kwi-401 (k) kuthatha ixesha ukuvavanya iinjongo zakho kwaye ubuyekeze ukuba zingaphi amanyathelo asixhenxe akhankanywe ngentla sele sele uthathe. Olu vavanyo lunokukunceda ukunika uvavanyo olutshanje lwendawo oma kuyo.