Izinzuzo ze-401 (k)
Okokuqala, kubalulekile ukuba uqaphele ukuba i-401 (k) ithatha inzuzo eninzi kubasebenzi, oku:
- Imirhumo yentlawulo yangaphambili
- Umqeshi ofanayo
- Ukutshala imali ngokuzenzekelayo
Igalelo le-pre-tax "lithetha ukuba iidola ozifakayo kwi-akhawunti yakho engama-401 (k) azihlawulwanga ngaphambi kokungena. Esikhundleni, unokuba negalelo lentlawulo-free, jonga utyalo-mali lwakho lukhule ngaphezu kwekhosi yakho, kwaye ukuhlawula irhafu xa uhoxisa ngexesha lomhlalaphantsi. Unako ukufumana ingeniso engaphantsi koko, ngoko ke isilinganiselo serhafu esezantsi, ngomhlalaphantsi.
Umlingani oqeshisayo ngumnye umvuzo omkhulu. Nangona kungenakufunwa ngumthetho, abaqeshi abaninzi bakhetha ukufanisa iimpembelelo zakho ukuya kwipesenti ethile yomvuzo wakho wonyaka. Kwixesha elidlulileyo, ndifumene umlinganiso womqeshi we-3% ukuya kwi-4 ekhulwini kwerhafu yam eninzi, nangona ukulingana ukuya kuma-6 ekhulwini akusizwanga.
Ekugqibeleni, ngenxa yokuba iminikelo yakho inqunywe kwi-paycheck yakho, i-401 yakho (k) yokulondolozwa iyakwenziwa ngokuzenzekelayo. Oku kunokuba yinzuzo enkulu kunazo zonke, njengoko kuqinisekisa ukuba uya kusindisa kwaye utyalole umhlalaphantsi.
Iingqimba ezimbini ze-401 (k) Imirhumo
Ngako konke okuthethileyo, impendulo eyinhloko yimali ekufuneka uyihlawule.
I-401 yakho (k) i-akhawunti ilawulwa yinkampani enkulu yolawulo lotyalo-mali okanye ibhanki njengo-Wells Fargo, Fidelity, okanye iVanguard. Ezi nkampani azinikezeli 401 (k) ukuphathwa ngaphandle kokulunga kweentliziyo zabo-zenza oko ukufumana inzuzo.
Le nto ingaba yintlawulo ephathekayo, okanye isekelwe kwipesenti yexabiso lakho le-akhawunti. Umzekelo, unakho ukuhlawula iipesenti ze-0.5, iipesenti ezi-1, okanye iipesenti ezi-2 ngonyaka, echithwa ngokuzenzekelayo kwi-akhawunti yakho ukuze ungaqapheli. Ngaphandle kokuba ufunde isitatimenti sakho, unokuba njengama-71 ekhulwini abo bavotelwe yi-AARP abangacingi ukuba bahlawuliswe imali.
Emva koko, uhlawuliswa iintlawulo ngeemali ezixhasayo ezikhethiweyo kwi-akhawunti yakho ye-401 (k). Ukuba unako ukufikelela kwimali ephantsi-mali evela kubanikezeli abanjengeVanguard, unakho ukuhlawula iifizi eziphantsi kakhulu, njengamaxabiso angama -04. Kwinqanaba eliphezulu, nangona kunjalo, unokufumana iimali ezihlawulwa ngaphezu kweepesenti ezi-2. Nangona u-1.95 ekhulwini wepesenti ehlukileyo akanakuvakalelwa ngathi uninzi, umahluko u $ 1,950 ngonyaka kwi-akhawunti eyi-100,000. Kwiminyaka emininzi, loo nto ingakhokhela amashumi xa kungengamakhulu amawaka eedola ekuzuzeni utyalo-mali.
Phakathi kwala mabini, uhlaselwa i-double whammy yemirhumo. Ngokwezifundo zango- 2015 nge-Morningstar , umyinge wexabiso eliqhelekileyo kuwo onke amaxabiso wawungama --64 ekhulwini; ngelixa i-401 (k) iindleko zolawulo ezicwangcisiweyo ziza kuhlawula imali eyongezelelweyo yepesenti, ngokweMotley Fool.
Ukusika u-401 (k) Imirhumo kwiYob Yakho yangoku
Nangona ungeke ukwazi ukuphuma kwiirhafu zokulawula, unokhetho olululo xa ukhetha utyalo-mali lwakho, oluya kuphucula umrhumo wakho wemifanekiso.
Imali nganye ehlawulwa yimali yomntu kawonkewonke, kwaye ungayifumana ngokukhawuleza loo ngcaciso kwi-401 yakho (k) ipakethe yolwazi okanye i-intranet yomqeshwa. Iimali ezilawulwa ngokungapheliyo kuquka imali yenkcazo kunye nomhla wokuthatha umhlala-phantsi wokuhlawula imali ngokubanzi uhlawula ngaphantsi kweengxowa-mali ezilawulwa ngempumelelo
Kwakhona, ungawucaphuli umbono weSebe lakho le-HR ukwenza utshintsho kwi-401 yakho (k) ukukugcina imali. Ukuba ufumana iifizi zokulawula zakho ziphezulu kunomlinganiselo weshishini, fumana umntu ofanelekileyo ukuthetha naye kwinkampani yakho malunga nokuthuthela kwisicwangciso seendleko eziphantsi. I-Startups njenge-ForUIyiyaphazamisa imboni ngokunikela ngezicwangciso zamashishini amancinci aneemali eziphantsi, kunye namashishini amakhulu angathuthela kubanikezeli ngeenkonzo ezifana neVanguard, Fidelity, okanye uCharles Schwab ukufikelela kwiinketho ezininzi zokutshala imali.
Musa ukulibale ukuHlola i-IRA yakho xa ushiya
I-401 yakho (k) iakhawunti inezinketho ezincinci zotyalo-mali, ezikhethwe ngumqeshi wakho kunye no-401 (k) umphathi.
Iziganeko ezi zikhethiweyo ziquka imali ephezulu yokuhlawula imali, kwaye ayifaki ukukhetha ukhetho oluhle kakhulu kwiimfuno zakho.
Ukuze ubalekele imirhumo uze ufumaneke kwiinketho ezingaphezulu, unokungena kwi-401 yakho (k) kwi-akhawunti ye-Rollover IRA xa utshintshe abaqeshi. Unokufumana uncedo kwi-rollover yakho ye-IRA brokerage ukubiza umnxeba wakho omdala 40 k (k) kwaye uqinisekise ukuba udluliselwa ngaphandle kweengxaki.
Ii-akhawunti ze- Rollover IRA zihlala zikhululekile kwiimirhumo zolawulo, kwaye unokukhetha kuyo nayiphina isitokhwe esithengiswa ngurhulumente, isibophelelo, okanye ingxowa-mali endaweni yoluhlu olufutshane nje. Olu tshintsho luxabiseke kakhulu kwiakhawunti kunye nezilinganisi ezinkulu, njengoko kuthetha ukuba unokufumana imali ngemilinganiselo encinci yeendleko. Oku kuthetha ukuba ugawula imali enye, kwaye unokunciphisa iifizi zemali ozihlawulayo.