Gwema iimpazamo ezinkulu xa uthabatha imali kwi-401 (k) isicwangciso
Indlela efanelekileyo yokuthatha imali ngaphandle kwe-401 yakho (k) isicwangciso iya kuxhomekeka ezintweni ezintathu:
- Iminyaka yakho
- Ingaba usasebenzela inkampani abaxhasi bakho 401 (k) icebo
- I-401 yakho (k) imithetho yecebo
Indlela yokuThabatha imali kwi-401 (K) Isicwangciso xa ungasasebenzi ixesha elide
Ukuba awusetshenziswanga yinkampani exhasayo i-401 (k) isicwangciso sakho, qha ga mshelana no-401 (k) ulawulo lomlawuli okanye ubize inombolo kwinombolo yakho ye-401 (k). Buza ukuba bangathabatha njani imali kwicebo.
Ngenxa yokuba awusekho apho usebenza khona, awuyiboleka imali ngendlela ye-401 (k) mboleko okanye uthabathe uxolo. Kufuneka uthathe ukusasazwa okanye u-401 (k) wakho kwi-IRA.
Naliphi na imali oyithatha kwi-401 yakho (k) isicwangciso siya kulahlelwa kwezi zilandelayo zintathu zilandelayo, nganye inemithetho yerhafu eyahlukeneyo:
- Ngokuphindaphindiweyo 401 (k) ukuhoxiswa - Oku kusebenza xa ungasasebenzi kumqeshi oxhasayo i-401 (k) isicwangciso kwaye uneminyaka engaphezulu kwama-59 ½, ( kwezinye iimeko kufuneka ufuneke ube ngaphezu kweminyaka engama-55 ubudala , njengoko uneminyaka engama-55 okanye ngaphezulu kwinqanaba lokuthatha umhlala phantsi kulo mqeshi). Ngama-401 rhoqo (k) ukuhoxiswa uza kuhlawula irhafu yengeniso kwimali oyithathayo kodwa akukho ntlawulo yerhafu iya kusebenza.
- Ekuqaleni kuka-401 (k) ukusabalalisa- Oku kusebenza ukuba awuneminyaka yobudala engama-59 ½ okanye ungakufaneleki ukuba uhlale uhlawule ngokuqhelekileyo iminyaka engama-55 kwaye awusebenzela umqeshi oxhasayo i-401 (k) icebo. Uya kuhlawula irhafu yentlawulo kunye nerhafu ye-10% yentlawulo xa uthabatha imali ngaphandle kwe-401 (k) isicwangciso sokusasazwa kwangaphambili. Ukuba ubeka imali yakho kwi-401 (k) isicwangciso sokuqala ngenxa yemali-mboleko okanye imiba yeetyala, cinga kabini. I-401 yakho (k) impahla ikhuselwe kubaboleki.
- 401 (k) I-Rolraver kwi-IRA - Unokwenza i- 401 yakho (k) ibhalansi ye-akhawunti kwi-IRA kwinkampani ozikhethile. Awuhlawuli irhafu xa wenza i-rollover kwi-IRA kunye nemali yakho inokuhlala kwi-IRA yakho ukuze usebenzise ngokutsha. Emva koko unako ukurhoxisa imali kwi-IRA yakho kuphela njengoko uyifunayo. Uza kuhlawula irhafu kwinto oya kuhoxisa unyaka ngamnye. Nge-IRA, uza kuba nenketho yokusebenzisa umyalelo okhethekileyo obizwa ngokuba ngu- 72 (t) iintlawulo ezivumela ukuba usebenzise imali kwaye ugweme irhafu yentlawulo yexesha lokuthoma.
Indlela yokwenza imali kwi-401 (K) Isicwangciso xa usasebenza
Ezinye i-401 (k) izicwangciso azikuvumeli ukuba uthabathe imali ngaphandle kwesi sicwangciso ngelixa usebenza apha. Ezinye izicwangciso zinika iinqununu ezimbalwa ezifana ne-401 (k) mboleko, ukukhutshwa kanzima, okanye ukuhanjiswa kwenkonzo.
- 401 (k) Inkcitho - abaninzi abangama-401 (k) izicwangciso zivumela ukuba uthabathe imali ngaphandle kwesiqendu ngo- 401 (k) mboleko oboleka ngayo kwibhalansi yakho ye-akhawunti. Isixa esiphezulu semali mboleko evunyelwe ngokuqhelekileyo singaphantsi kwe-$ 50,000, okanye isiqingatha se-401 enikwe yona (k) ibhalansi yeakhawunti. Uya kuhlawulwa inzala kwaye ngelixa imali iphuma kwi-akhawunti ayifumana imali engenayo ke, sebenzisa olu khetho kuphela kwiimeko ezikhawulezayo.
- 401 (k) Ukunyuswa kobunzima - Abanye kodwa akuwona wonke ama-401 (k) amacebo anokuvumela ukuba uthathe uxinzelelo lobunzima ukuba iimeko zakho zifanelekile phantsi kwezibonelelo zobunzima.
- Ukusabalalisa ngeeNkonzo -ezimbalwa 401 (k) izicwangciso zivumela ukuba uthabathe imali ngaphandle kwesi sicwangciso ngelixa usasebenzisa into ethiwa "ukunikezelwa kwenkonzo."
Kuzo zonke iimeko ezi ngasentla, khangela i-401 yakho (k) isicwangciso somlawuli okanye ubize inombolo kwi-401 (k) isitatimende socwangciso ukuze ubone ukuba ngaba avumela le ndlela.
Indlela yokuThabatha imali xa Unelungelo lokufumana isicwangciso se-401 (K)
Ukuba ungumzuzi we-401 (k) isicwangciso , imigaqo esetyenziswa ekuthathe imali ngaphandle kwe-401 (k) isicwangciso esincinane. Iinqunto zakho ziya kuxhomekeka ekubeni ungumlingani we-401 (k) isicwangciso-nxaxheba okanye umntu ongatshatanga naye, nokuba ngaba i-401 (k) isicwangciso sokuthatha inxaxheba sineminyaka engama-70 ½ okanye ayikho.