Indlela yokugweba isicwangciso esingu-401k

Izicwangciso ezingama-401k zilunge ngakumbi kwabanye. Zakho njani?

Yintoni enkulu 401 (k) iplani ibonakala ngathi? Abahleli baseBloomberg baqulunqa uludwe lweendawo zokuhlala phantsi komsebenzi wama-250 kuma-500 amakhulu kunawo onke eMelika, ngokwemiqathango ye-Standard & Poor's 500. Inika i-juicy peek kwizicwangciso zenkxaso ezichazwe ngabanye abaqeshi belizwe elikhulu. Olunye uluhlu olunjenge-Brightscope ye-Top 30 401k Uluhlu lweeNkqubo luhlola iiplani eziphezulu eziqulethe ngaphezu kwe-$ 1 billion kwiimpahla.

Isilumkiso: Ukufunda ezi ntlobo zeenlist kunokunika ubuncinane be-401 (k) umona. Cinga ngesicwangciso esivulekile sokucoca uluhlu, umzekelo, ukusuka kwiConocoPhillips. Inika umlinganiselo we-9% womqeshi womqeshi ngaphandle kwexesha lokubambisa. Kukho umqeshi owongezelelweyo okanye umrhumo wokwabelana ngenzuzo phakathi kwama-6 ekhulwini kunye neepesenti ezingama-9. Phew, icebo elihle lokujonga!

Ngokubanzi, i-401 engcono (k) iiplani zivame ukubonelela imifuno yenkampani evulekile kwaye inikeze imenyu enkulu yemali yeendleko zexabiso eliphantsi kunye ne-set-and-and-forget-it target-date date funds.

Iindaba ezilungileyo kukuba, nangona ungasebenzi kwiinkampani ezithatha uhla lwama-401 olutsha (k) uludwe lwamaphulo, isicwangciso somhlala-phantsi abaxhasi baqhubeka bejolise kwiindleko zokunciphisa eziza kukhokelela ukongiwa komhlala-phantsi kwabathathi-nxaxheba.

Yintoni eyenza enye iplani ibe bhetele kunomnye? Nazi izinto ezimbalwa zokujonga kwiphupha 401 (k) icebo.

1. Unokuqalisa ukuTyala imali kwi-401 (k) Ukunene. Isicwangciso esikhulu sinika ukufaneleka ngokukhawuleza.

Enyanisweni, abanye abaqeshi babhalisa ngokuzenzekelayo abasebenzi abatsha kwisicwangciso sabo.

2. Akukho ziZithintelo malunga nokuba Unokubanceda njani. I-Revenue Revenue Service ibeka umda kwimali ongayifaka kwi-401 (k) okanye isicwangciso esifanayo ngonyaka. Ngo-2017, umzekelo, inani elingaphezulu ongalufaka kwi-401 (k) li-$ 18,000, okanye ufike kwi-$ 24,000 xa uneminyaka yobudala engama-50 okanye ngaphezulu kwaye wenze iminikelo yokubamba .

Ufanele ukwazi ukukhupha isicwangciso sakho xa ufuna, kodwa ezinye iinkampani zibeka imida yazo ephantsi kunezikhokelo. Abanye abaqeshi baze banqande iminikelo yokubambisa, eyenzelwe ukunceda abantu ukuba baqokelele ngakumbi njengoko besondele kwiminyaka yobudala.

3. Kukho Uninzi, Utyalo-mali olukhethiweyo lokukhetha. Ungeke usebenzise ezininzi zeendlela zokutshala imali kwi-401 yakho (k) , kodwa ukuba nazo apho kunokukunceda ukuba uqiniseke ukuba unako ukutyalomali ngendlela oyikhethayo. Kufuneka kube nokuningi kweendleko eziphantsi, ezingekho mthwalo ezixhamlayo ezikhethiweyo ukuba zikhethwe, kubandakanywa zombini inkcazo kunye nezimali ezilawulwa ngokuzimeleyo.

4. Umqeshi ulingana negalelo lakho. Umdlalo womqeshi wepesenti ezi-3 ukuya kwi-6 ekhulwini legalelo lakho kufana nokuphakanyiswa kwipesenti ezi-3 ukuya kuma-6 ekhulwini lomvuzo wakho. Imali elula, eyenziwe lula ngabaqeshwa abaneemigaqo-nkqubo ehambelana kakhulu.

5. Cwangcisa iindleko ziphantsi okanye zifihliwe ngumqeshi. Akulungele ukufumana oko uhlawulayo 401 (k) , kodwa abanye abaqeshi bafihla indleko yesicwangciso ngokwayo xa abanye beyidlulela kubasebenzi. Okungaphantsi kwakho ukuhlawula isicwangciso sakho kunye notyalo-mali ngaphakathi, ubuninzi bakho bokonga.

6. Iimali Ziyindlela. Oku akuyi kuthi umboleko ngumbono olungileyo, kodwa ukuba unesitshixo esingama- 401 (k) mboleko yindlela engcono kunokuba uhoxiswe kwangaphambili.

Izicwangciso ezinkulu ziza kuba neenjongo zokurhoxisa ubunzima kulabo abafanelekileyo.

7. IsiCwangciso Siyasiqonda Kulula (okanye Sinika Uninzi Lwezemfundo Nesikhokelo). Ukuba uziva udidekile ngaphambi kokuba ujoyine isicwangciso okanye naliphi ixesha uvula isitatimenti sekota, akusona uphawu oluhle. Abalawuli bezicwangciso zomhlala-phantsi bafumana izixhobo zokufumana imfundo-mali-mali-mali. Kufanele uzive ukhululekile ukubuza imibuzo eninzi uze uqinisekise ukuba yonke into icacile ngaphambi kokwenza izigqibo zesicwangciso.

8. Akukho Period yokuThengisa. Ukuba umqeshi wakho unikezela umdlalo kodwa ulindela iminyaka eyisixhenxe ngaphambi kokuba ufumane inzuzo epheleleyo, uninzi kangakanani ukufumana ukuba kukho ithuba elihle ongayifuni ukubambelela kulo lonke ixesha? Izicwangciso ezinemihla emifutshane okanye engabikhoyo yokunikezelwa kwezinto zikhulu kakhulu.

9. I-One-on-One Advice ikhona Ukuba uyayifuna. Unombuzo?

Ufuna iingcebiso zokutshala imali? Isicwangciso esihle siya kukunika indlela yokufumana umntu kwifowuni onokukunceda ngezinto ezinjalo. Kufuneka uhlawule eyongezelelweyo ngeengcebiso, kodwa isicwangciso esilungileyo siya kwenza ukuba kucace kwaye ugcine iindleko ezifanelekileyo.

Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela, kwaye akufanele kube sisiseko sezigqibo zakho zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.