Kubalulekile ukuqonda i-401 (k) ezisiseko ukuze usebenzise ngokugcwele.
Xa usuqala ukufaka inxaxheba kwi-401 yakho (k), uya kucelwa ukuba usasaze imali yakho kwiintlobo ezahlukeneyo zeemali zentlawulo. Xa useneminyaka engamashumi amabini, uya kufuna ukubeka uninzi lweemali zakho kwiqela elikhuselekileyo, elikhulayo lokukhula. Uya kwenza imali ngokushiya imali yakho kule mali kwixesha elide nangona ingahla ngezinye izihlandlo. Ungasasaza intsalela yeengxowa-mali zakho kumngcipheko ophakathi kunye neengcipheko eziphantsi kweengozi. Njengoko ukhula kufuphi nomhlalaphantsi, uya kufuna ukutshintsha oku ukuze uninzi lweemali zakho kwiimali eziphantsi kweengozi.
Iminikelo
Imveli 401 (k) iminikelo yenziwa ngeedola ezidlulileyo. Inganciphisa inani lentlawulo yengeniso ohlawulayo ngomvuzo wakho ngoku. Nangona kunjalo, uya kuhlawulwa irhafu xa uhlala phantsi. Unokufuna ukuqwalasela ukusebenzisa iRoth 401 (k) kwakhona, le mrhumo iyarhafelwa xa uyenza, kodwa awuhlawulwanga kwiirhafu zakho.
Inketho ye-Roth iya kunciphisa inani leerhafu ozihlawula ngalo ubomi bakho. Ukuba unalo khetho, kuya kukunceda ukuba ukhokhe irhafu kunokuba ulinde kwaye uhlawule xa ususa umhlalaphantsi.
Kufuneka ulandele i-akhawunti yakho ye-401 (k). Awufuni ukuba ininzi yemali yakho ityalwe kwisitokethi esisodwa okanye kwisitishi sakho senkampani.
Kuyingozi kuba ukuba kungaphumeleli, unokulahlekelwa uninzi lwayo lokugcina umhlalaphantsi. Kubalulekile ukudibanisa imali yakho. Kufuneka ufumane ingxelo ye-401 yakho (k) ibhalansi kunye nemali engenayo ubuncinane kanye ngonyaka. Ingxelo iyahluka ukusuka kwinkampani kuya kwinkampani. Kufuneka ifake ibhalansi yakho yokuqala, iminikelo yakho, kunye ne-balance balance. Kufuneka uqiniseke ukuba imirhumo yakho ichongiwe ngokuchanekileyo.
Ixesha elide
Emva kokuba uqale utyalomali kwi-401 yakho (k), kufuneka ushiye yedwa. Unokulingwa ukuba uqale ukuhlawula imali okanye ukukhupha i- 401 (k) mboleko . Nangona kunjalo, uya kujongana neerhafu kunye nezohlwayo malunga nokuhlawulelwa, kwaye kukho imithetho egqityiweyo malunga nomboleko. Unokuba usenokutshintsha ixesha lakho lomhlalaphantsi ngokungena kwimali ngoku. Ukuba utshintshe abaqeshi, unokwenza u-401 (k) wakho kwi-IRA, onokukunika ulawulo olubanzi malunga nokuba imali ityalwe njani. Kubalulekile ukubeka esweni i-401 (k) yakho, kodwa akufanele ukwesaba njengoko imali ishintsha kwiimarike.
Ukuba ungumqeshwa oziqheliselayo okanye ungumzali wokuhlala ekhaya , kukho ezinye iindlela zokugcina umhlala-phantsi ozifumanayo njengama -akhawunti ahlala phantsi okanye i-IRA yomtshato.
Ukuba unesithuba sokulinda kwi-401 (k), usenokuqala ukufaka igalelo le-IRA ngoko nangoko ukuze usalondoloze umhlalaphantsi wakho. Oku kuya kukunceda uqale ukugcina kwaye wenze ukuba uhlale uhlala ukugcina njengoko umsebenzi wakho utshintsha.