Funda ukuba izicwangciso zeerhafu ezichaziweyo zisebenza njani
Nazi ezinye izinto ezibalulekileyo ukuqonda malunga neerhafu ezahlukahlukeneyo ezilondoloziweyo kunye nokukhethwa kotyalo-mali:
Kuthetha ukuthini ukuba kukho irhafu echazwe ngerhafu?
I-akhawunti yerhafu imisiwe xa kungekho ntlawulo efunekayo ngenzuzo efunyenweyo kwi-akhawunti. Ukukwazi ukukhupha irhafu kwiirhafu zentlawulo-mali ngabanye ngezindlela ezimbini ezahlukeneyo. Inzuzo eyinqobo ivela ngendlela yokukhula kwamahhala yentlawulo. Njengenye indlela yokuhlawula irhafu kwiimbuyekezo ezikhoyo zentlawulo-mali, iirhafu zihlawulwa kuphela ngosuku oluzayo, okuvumela ukuba utyalo-mali lukhule ngaphandle kweempembelelo zerhafu zangoku. Inzuzo yesibini yerhafu echaziweyo yerhafu kukuba idla ngokuqhubekayo kwiminyaka yokusebenza xa imali kunye neerhafu zihlala ziphakamileyo kuneentlawulo kunye neerhafu ngexesha lomhlalaphantsi. Ukusetyenziswa kwerhafu yerhafu echasiweyo yerhafu ngokuqhelekileyo isisigqibo esisilumko xa usesikhwameni serhafu esiphezulu ngoku ngokuthelekiswa nebhasikhi yerhafu engenayo ukuba ulindele ukuhlawulwa kwixesha elizayo xa uya kuthatha ihoxiso.
Yiyiphi imizekelo yerhafu echazwe ngerhafu?
Isicwangciso sokuthatha umhlala-phantsi esixhaswe ngumqeshi (njenge- 401 (k) , 457 okanye 403 (b) isicwangciso) ngumzekelo werhafu yokugcina umhlala-phantsi oye wavumela abaqeshwa abathatha inxaxheba ukuba banike ipesenti yomvuzo wabo ongaphambili werhafu baze bawuqondise kwiakhawunti enye okanye ngaphezulu.
IRA eqhelekileyo (eyaziwayo njengendabuko) IRA kwakhona irhafu ichithwe. I-annuity kunye nexabiso lokunikezela ngemali ye- inshorensi yomhlala-phantsi yobomi iyasebenza njengengxelo ehlawulwe irhafu. I- Roth IRA ayikho nje irhafu echaziweyo; i-akhawunti engenanto yerhafu. I- Akhawunti Yokulondoloza Impilo (i-HSA) i-akhawunti yongeniso yerhafu enika inkxaso enikezelwa ngerhafu.
Ukuba isetyenziselwe ukuhlawula iindleko zonyango ezifanelekileyo, ii-HSA nazo zikarhafu.
I-akhawunti echazwe yerhafu ihluke njani kwi-akhawunti yokuxolelwa kweerhafu?
Abantu abanako ukuseka ii-akhawunti ezihlawulwe irhafu. Nangona kunjalo, batyala imali kwiibhondi ezihlawula umrhumo wokuhlawulwa kwentlawulo. Ngokuqhelekileyo inzala leyo ikhutshwa yerhafu yombuso. Nangona kunjalo, ukuba ibhondi ibonisa ityala likarhulumente ngaphandle kweendawo zokuhlala, ukuba inzala iya kuhlawulwa irhafu yengeniso yelizwe .
Isebenza njani ukuba i-akhawunti ayikho irhafu echaziweyo?
Zonke iimali-mali ziyakwazi ukuhlawula umvuzo, ukwanda kwexabiso, okanye zombini. Ingeniso ivela kwimithombo emibini ephambili: inzala kunye nezihlawulelo. Ukuba utsalo-mali lugcinwe kwi-akhawunti ehlawulwayo, ingeniso yongezwa kwingeniso yerhafu yomnini yonyaka kwaye iziphumo zentlawulo ephezulu yerhafu. Nayiphi na ukuthengiswa kwezinto ezigcinwe kwiakhawunti ehlawuliswayo ezithengiswa ngaphezu kwezinto ezityalwe kuyo kuya kubangela ingeniso eyongezelelweyo kunye nerhafu yengeniso. Akukho rhafu luza kuba ngenxa yokuba utyalo-mali olufanayo lwalugcinwe kwi-akhawunti echazwe ngerhafu-inzuzo enkulu ekubambiseni utyalo-mali kwi-akhawunti echazwe yerhafu.
Kuze kube nini irhafu echazwe?
Ngenye imini, uya kuhlawula irhafu. Umrhumo werhafu awushukunyiswa ngumsebenzi wokutyalomali, nangona kunjalo.
Kunoko, uya kuhlawulwa irhafu ngokusekelwe kwimali oyihambisa yona, ngokuqhelekileyo ukuhlawula izinto onokuzifunayo okanye ozifunayo. Ngaloo ndlela, kwimeko efanelekileyo ingeniso yerhafu ingasetyenziswanga kude kube ngumhlalaphantsi, xa usenokuba ngumgca werhafu ophantsi. Nangona i-bracket yakho yerhafu ayiyeki phantsi komhlalaphantsi, usenokuba noxhamla kwi-akhawunti echazwe yerhafu kuba kulunge ngakumbi ukuhlawula irhafu kwixesha elizayo kunamathuba eminyaka phakathi konyaka kwaye xa uya kubahlawula ngenye indlela.
Ngaba ndiza kufakwa irhafu?
Qaphela ukuba iirekhodi ezichaziweyo zerhafu , ezifana ne- 401 (k) okanye i-IRA echithwayo inika imali yokunciphisa irhafu kunyaka owenza ngayo inxaxheba. Akunjalo onke ama-akhawunti ahlawulwe irhafu adala ukuncitshiswa, nangona kunjalo. Kukho nawuphi na, i-akhawunti echazwe yerhafu inikezela ukukhutshwa kweerhafu kunyaka ngamnye olandelayo.
Ukuhlaziywa nguScott Spann