Indlela Yokugcina Okunye Ukuthatha Umhlalaphantsi Ngomlingani Wabaqeshi
Qonda ukuba Ngokwenene ungumdlalo we-401K
Ngokuqhelekileyo, ufumana umnikelo kwi-401 yakho (k) icebo ukuba wenza igalelo ngokwakho.
Xa ugcina enye yakho yokuhlawula ngokubeka imali kwi-401 yakho (k), inkampani yakho inokufanisa iphesenti ethile yeminikelo yakho. Kodwa ukuba ungaphumeleli ukufaka isandla kwi-401 (k) isicwangciso sakho, umdlalo wakho wenkampani uhamba ungase ushiye imali eninzi etafileni.
Qondisisa Iprogram Yakho Yokulinganisa 401K
Ezinye iikhampani zingenayo i-401 (k) isicwangciso ngoko kubalulekile ukuthatha ixesha ukuqonda 401 yenkampani yakho (k) inkqubo efanayo. Kwabo bane-401 (k) icebo, kufuneka uhlale ukhumbule ukuba isicwangciso ngasinye singahluka. Abanye abaqeshi baneenkqubo ezinxulumene kakhulu. Abanye banomdlalo onzima okanye akukho nkqubo ehambelana nayo. Umrhumo wenkampani ngokuqhelekileyo uwela kwindawo ethile malunga neepesenti ezingama-3 zokuhlawula. Buza ummeli wakho we-HR ukuba uphonononge u-401 wakho (k) inkqubo ehambelana nayo. Nazi iinkqubo ezimbini ezifanayo kunye neendlela ezisebenza ngayo:
- 50% umdlalo ukuya kutsho kwi-6% yokuqala - Ukuba unesicwangciso esinjalo, umqeshi wakho uza kufaka amasenti ama-50 kwisicwangciso sakho sokuthatha umhlalaphantsi kuyo yonke idola oyifakayo. Unyaka ngamnye, kukho umda we-6% womvuzo wakho omkhulu Umqeshi uya kufana. Ngoko ke, umntu onomvuzo we-$ 50,000 owenza ubuncinane ubuncinane kwi-6% kwi-401 (k) isicwangciso siya kufumana umnikelo ohambelana nomqeshi we-1,500. Qaphela, nangona kunjalo, ukuba umqeshwa ongenzi negalelo kwisicwangciso akafumani nto kumqeshi ngendlela yomdlalo.
- I-dollar idityaniswe nedola ukuya kuma-5% - Kwi-dollar nganye ubeka kwi-401 (k) isicwangciso sakho, inkampani yakho iya kubeka idola. Emva kokuba ufike kwi-5% yemali yakho yokuhlawula epheleleyo, unomvuzo wakho, umqeshi wakho akayi kwandisa enye idola kwi-akhawunti yakho kude kube ngumnyaka wekhalenda ozayo.
- Gcina ingqalelo kwenkqubo yakho yokufanisa inokuhluka kwalabo bachazwe ngasentla.
Musa ukuguqula iMali Yemivuzo
Ukuba uyaphula ukufaka isandla kwi-401 yakho (k) cwangcisa ukuya kumlinganiselo wakho umqeshi ufanisana nayo , ngoko uguqula imali yakho inkampani ingaba yindlela yokulungiselela umhlalaphantsi wakho. Kunzima ukucinga ngeso simo xa uhlahlela imali ngaphandle kwemali. Qinisekisa ukuba uyisebenzise!
Ungaxhomeki kwi-Auto-Registration
Abaqeshi abaninzi babhalisa ngokuzenzekelayo abasebenzi abatsha kwizicwangciso zomhlalaphantsi. Le ndlela yindlela yokukhuthaza ukugcina umhlalaphantsi, kodwa izicwangciso zokubhalisa ngokuzenzekelayo zihluke kakhulu kumqeshi kumqeshi. Ngoko ke, kubalulekile ukuqonda umdlalo wakho womqeshi ukuqinisekisa ukuba awushiyi imali kwitafile. Abanye abaqeshi baqala amaxabiso okubhalisa ngokuzenzekelayo ngezansi kwexabiso elifunekayo ukuze bafake umdlalo opheleleyo lomqeshi.
Iingqiniswana ezingama-401K kunye neMigangatho yonyaka
Kungakhathaliseki ukuba yinkqubo enxulumene nenkampani yakho, awukwazi ukufaka imali engaphezu kwama-18,500 wemali yakho kwi-401 (k) ngo-2018 (i-$ 24,500 xa uneminyaka engama-50 okanye ngaphezulu) Iminikelo yomqeshi ayifakiwe kwimida yakho yonyaka. Nangona kunjalo, kukho umda wegalelo ohlangeneyo we-55,000 wama-dollar kumsebenzi womqeshi nomqeshwa ngo-2018 (kunye ne-6,000-catch catch up if you are 50 or older). Umda wokuhlawula umqeshwa wokubala umrhumo i-$ 275,000 ngo-2018.
Qaphela zonke iiShedyuli zokuVeza
Kungakhathaliseki ukuba nini okanye ukuphelisa njani umsebenzi, imali oyifaka kuyo kwi-401 yakho (k) isicwangciso sakho ukuba ugcine. Nangona kunjalo, iminikelo eyenziwe ngumqeshi wakho ingaxhomekeke kwishedyuli yokuthenga . Qinisekisa ukuba uyayiqonda inkqubo yakho yokubambisa ngaphambi kokuyeka umsebenzi wakho!
Akukho Match for IRAs
Akukho mnikelo ohambelanayo okhoyo kwi-IRA ongazivula yona. Ukuntuleka kwemali ekhululekile yisinye sezizathu zokubangela ukuba kunengqondo ukuqala kuqala ukugcina imali ngokulingana ne-401 (k) kwingxelo ngaphambi kokufaka isandla kwi-IRA. Emva kokuba ufikelele kumda ofanayo, kunjalo, qiniseka ukujonga i- IRA rhoqo okanye i- Roth IRA . Ukufumana ulwazi oluninzi malunga nokuba unako ukufaka isandla kwiAkhawunti yomhlala-phantsi ngamnye (IRA), khangela izinto ezilandelayo:
Bala Ixabiso Lakho Lokunikezela
Ekubeni abaqeshwa abaninzi abaxhamli ngokugcwele ngokumalunga no-401 (k) negalelo kubalulekile ukuqinisekisa ukuba unyukisele inzuzo yabasebenzi bakho. Le calculator ingasetyenziselwa ukukunceda ukwandisa i-401 yakho (k) iminikelo yokwenza uninzi lomdlalo womqeshi. Ukufumana ulwazi oluninzi malunga nokuba unokufaka isandla esingakanani kwi-401 (k) isicwangciso sonyaka werhafu ka-2018 qwalasela isi sixhobo esilandelayo: