Indlela yokuHlola i-401 yakho (k)

Ukuba uguqula imisebenzi, kufuneka wenze isigqibo sokuba uza kwenza ntoni na 401 (k) . Esi sinqumo esibalulekileyo, kwaye kufuneka uqiniseke ukuba wenza isigqibo esifanelekileyo. Ukuba i-401 (k) ibhalansi ingaphantsi kwe-$ 1000.00, umqeshi wakho uya kuthumela i-khonkco kwiinyanga ezimbalwa nje. Ukuba unayo i-$ 1000.01 ukuya kwi-$ 5000.00 umqeshi wakho unokungena kwi- IRA yakho. Oku kwenzeka xa inkampani ayifuni ukuba ube yinxalenye ye-401 (k) icebo.

Ngokuqhelekileyo, ukuba unayo i-$ 5000.00, ungashiya 401 (k) apho ukhona. Unakho kwakhona ukhetho lokuqhafa umdala wakho 401 (k) kwindawo yakho entsha.

Cinga ngohlobo lweAkhawunti ofuna ukuyivula

Okokuqala, kufuneka uqwalasele izinto ozikhethayo. Ufuna ukuyifaka kwi-IRA yendabuko ukuze ungathathi isohlwayo sentela ehambelana neRoth IRA. Unokukhetha apho ukhetha ukuvula i-akhawunti yakho ye-IRA. Unokuyivula ngebhanki, engayifaka kumaCD (izatifikethi zediphozithi) okanye ungasebenzisa indlu yotyalo-mali kwaye ufake i-IRA esebenzisa iimali ezihlangeneyo ukuze ukhulise imali yakho. Ibhanki inokunika iinkonzo zentengiso apho ungakhetha khona i-IRA yentlawulo, kodwa loo mali ayiqinisekisiwe nge-FDIC. Ukukhetha iimali eziphathekayo kubulumko kwiiminyaka ezimashumi amabini kuba izinga lokubuya lihle kakhulu.

Khetha Utyalo-mali

Khetha ukuba yiyiphi inkampani oya kufuna ukuyisebenzisa ngayo i-IRA yakho.

Ukuba sele unomcwangcisi wezemali, unokufuna ukuthetha naye malunga nalo. Ukuba awunayo enye, buza uze uze ufumane iingcebiso. Unakho ukubiza kunye nokubuza malunga nemimiselo ethile, imirhumo kunye neemeko ezahlukileyo amafemu ngokubambisana ne-akhawunti yabo ye-IRA. Thatha ixesha lokufumana isiseko sokuthi ukhululekile usebenzisa.

Misela i-Investments ofuna ukuyenza

Kufuneka ukhethe uhlobo lwengxowa-mali oluza kutyalomali kuyo. Ezinye iifemu zinokukuvumela ukuba wenze isicwangciso-mali esifanayo onakho kunye ne-401 (k) yakho. Unako ukutyalomla ubuninzi bawo kwimali-mali eninzi, kwaye ke ezinye zikhuselekileyo, utyalo-mali olukhula ngokukhawuleza. Unokuthetha nomcebisi wakho malunga nendlela yokwenza oku. Uyakwazi ukuthetha nommeleli we-akhawunti kwiziko lakho elitsha.

Gcwalisa iPhepha lePhepha lokuTshintshela i-401 yakho (k)

Vula i-akhawunti uze uthumele iphepha ukuze i-401 yakho (k) iqoqwe. Kufuneka uqinisekise ukuba i-IRA yakho izalise iphepha kwaye uyithumele kumqeshi wakho wangaphambili ucela ukuba imali ihanjiswe kwi-IRA yakho entsha. Yiyo into ekufuneka i-firm ifanele ukukunceda ngayo.

Iingcebiso:

1. Musa ukufaka imali kwi-401 yakho (k). Oku kuyimathane ngenxa yokuba imali yakho iya kuqhubeka ikhula xa ushiya i-invested. Uya kuhlawulwa kwakhona intlawulo yokurhoxiswa kwangaphambili kunye neerhafu ekupheleni konyaka. Imali oyikhuphayo iya kukhula kakhulu xa uyishiya yodwa. Kufana nokuthatha ama-dollar amahlanu ngoku kunye nokulahlekelwa i $ 100.00 kwiminyaka embalwa.

2. Ukuba ukwenza imali ubeke eceleni imali yentlawulo ngoku. Awufuni umrhumo omkhulu werhafu ongazilungele ukuhlawula.

1. Qinisekisa ukuba u-rollover kwi-IRA yendabuko, ukuze ungabihlawuli irhafu ngokurhoxiswa ekupheleni konyaka. Ukuba unquma ukwenza i-rollover kwi-Roth IRA ngoko kufuneka uqale ukubeka imali eceleni ukuze uhlawule irhafu kuyo ekupheleni konyaka.

2. Fumana umcwangcisi wezemali okanye umcebisi othembayo ukuba uthethe malunga neenketho zakho zokwabelana ngemali xa ufumana ukudideka. Le yimali yakho kwaye kufuneka uqonde oko utyalo-mali kuyo kunye neengozi ezinxulumene nayo.Ungaphinda ufune ukuqwalasela i -IRA ejongene nayo .

3. Kubalulekile ukuqhubeka nokufaka isandla ekulondolozeni umhlala-phantsi ukwenzela ukuba ungenayo inxaxheba kwiminikelo yomhlalaphantsi kamva. Ungasebenzisi izizathu zokubangela ukunciphisa umrhumo wakho wokuthatha umhlalaphantsi , kunoko qiniseka ukuba ugalela rhoqo umhlalaphantsi.