Indlela yokwenza iSicwangciso soNyulo oluCwangcisiweyo oluCwangcisiweyo

Ngokucwangcisa, unokufumana ezininzi ukusuka kwisicwangciso sakho se-comp

Abantu abaninzi banakho ukucwangcisa indlela abafumana ngayo imali yokuhlawula iikhompyutheni zabo ezichanekileyo ngendlela enganciphisa uxanduva lwabo lwentlawulo yeminyaka emininzi. Ngokudabukisayo ngokwaneleyo, oku kudla ngokukhawuleza kwenzeka. Endaweni yoko, abantu benze ukhetho olungakhethiyo malunga nexesha baya kufumana impindiselo yabo emiselweyo kwaye oku kungakhokelela ekuhlawulelweni okungekho yempembelelo yerhafu kunye neziphumo zentlawulo yerhafu ephakamileyo kunokuba iyimfuneko.

Makhe sijonge iiplani zeembuyekezo ezichasiweyo (ezibizwa ngokuba yi-NQDC okanye imbuyekezo engafanelekanga), indlela asebenza ngayo kunye nendlela yokusetyenziswa ngokufanelekileyo ngokubhekiselwe kwiimeko zesicwangciso somvuzo wokuhlala umhlalaphantsi.

Indlela icebo lakho lokudibanisa elichanekileyo lisebenza ngayo

Isicwangciso ngasinye seenkomfa esichaziweyo siyahluke. Isicwangciso ngasinye sinomqulu wesicwangciso esisemthethweni esichazela imithetho yesicwangciso. Uya kufuneka ucele ikopi yesicwangciso sakho soxwebhu ukuze ufumane imigaqo ethile yomcwangcisi wakho. Kukho izinto ezintathu eziphambili oza kuzifuna malunga nesicwangciso sakho se-comp.

1. Indlela Imali eya ngayo kwisiCwangciso
2. Indlela iiFunds ziTekisiwe ngayo
3. Imali ivela njani kwisiCwangciso

Indlela Imali eya ngayo kwisiCwangciso

Ezinye izicwangciso zivumela umrhumo womqeshwa kunye nomqeshi; abanye bavumela kuphela uhlobo olulodwa lomnikelo.

• Iminikelo yomqeshwa - Xa ukhetha ukuchasa isahlulo somvuzo wakho okanye ibhonasi, uya kugqiba ifom yokubhalisa okanye ufumane ifom yokhetho. Uza kucacisa isixa ofuna ukusifaka kwisicwangciso, kwaye kufuneka ukhethe umhla wokuhlawula ozayo. Ngokucwangcisa okufanelekileyo, unokukhetha usuku lokuhlawula oluya kulungelelaniswa necebo lokufumana umhlala-phantsi lomhlalaphantsi.

• Iminikelo yomqeshi - ukuba kukho umrhumo womqeshi umqeshi uya kukuxelela ukuba zininzi kunye naziphi na iimeko ezifunekayo (ezinjengeemitha zamatriki) ukwenzela ukuba inkampani ikwazi ukwenza le mnikelo.

Indlela iiFunds ziTekisiwe ngayo

• Iminikelo yomqeshwa - Uya kuhlawula i-FICA (irhafu yentlawulo) kwindleko obeka kuyo kwisicwangciso. Iirhafu zokuhlawula ziza kuphuma kwinqanaba lakho lokuhlawula elingakhange lichazwe kwisicwangciso.

• Iminikelo yomqeshi - Ngomrhumo womqeshi, iirhafu ze-FICA zikhokhelwa ngelixa ubeka kuyo loo mnikelo. Umrhumo womqeshi udla ngokuxhomekeke kwishedyuli yokuthenga-oku kuthetha ukuba kufuneka uhlale nomqeshi ixesha elide lokuba ufanele ukufumana yonke imali eyinikele yona. Ngaloo ndlela ukuba ushiye kusasa awuyi kuhlawula irhafu ye-FICA kunoma yimaphi amaxabiso ongazizange uhlangabezane neemfuno zokuthenga.

Ngolunye uhlobo lwegalelo, nge-IRS awuyi kuhlawula irhafu ye-FICA kunoma nayiphina imali yokufumana imali eyongeziweyo kwisicwangciso se-NQDC, kodwa uya kuhlawula irhafu yengeniso kwizabelo xa ziphuma kwisicwangciso kwaye zihlawulwa kuwe. Le yilapho amathuba okucwangcisa irhafu apha khona - ngendlela okhetha ngayo ukuba imali iya kuphuma njani kwisicwangciso.

Indlela Imali Ivela ngayo

Ngelo xesha ubeka imali kwisicwangciso sakho senkcenkcazo esichaziweyo kufuneka ukhethe ukuba uza kuhlawulwa njani kwaye nini na. Uninzi lwexesha lo unyulo olungenakutshintsho (oku kuthetha ukuba awukwazi ukuguqula emva koko) kwaye yokuqala ngowokuqala ukuhlawula ngokuqhelekileyo kuvunyelwe ukuba kwenzeke yiminyaka emithathu ukususela kwiminyaka oyifaka imali kwisicwangciso.

• Isixa semali - Ezinye izicwangciso zinikela ngokukhethekileyo isamba sokunikezelwa kwemali. Ngokomzekelo, unokukhetha isamba semali esiya kuhlawulwa kwiminyaka emihlanu, iminyaka eyisixhenxe, okanye iminyaka elishumi ukusuka kunyaka ubeka ingeniso kwimali engenayo.

• Iintlawulo zentlawulo - Ezinye iiplani zinika ukhetho lweemali eziza kuhlawulwa kwi-installment - umzekelo ngaphezulu kwexesha elineshumi leminyaka eliza kuqala iminyaka emihlanu ukususela namhlanje.

Ukwenza ukhetho lokuhlawula ngamnye unyaka lweminikelo kwisicwangciso.

Ngezicwangciso ezithile ungakhetha ukhetho oluhlukileyo lweentlobo ezahlukeneyo zeminikelo; umzekelo, ukuhlawulwa kweefowuni ngaphandle kweemali zakho ezichasiweyo kunye nokuhlawula isamba somrhumo kumrhumo womrhumo womqeshi.

Ukutshintsha ukhetho lwakho lokuhlawula

Nangona ukhetho lokuhlawula lunokuthi lucatshungulwe njengento engaphendukiyo - kwiimeko ezininzi, unokwenjenjalo ukutshintsha - kodwa ukwazi kwakho ukwenza utshintsho kuya kuza nemimiselo.

Umzekelo apha yindlela enye iplani ye-comp set deferred isichaza ngayo, "Unokusihlawula umhla wakho wokuhlawula kodwa kufuneka unike isaziso seenyanga ezili-12 ngaphambi komhla wokusabalalisa obekwe ngaphambili.

Kwaye umhla omtsha kufuneka ube ubuncinane kwiminyaka emihlanu emva komhla wokuqala ohleliweyo. "

Ukongezelela, iziganeko ezithile zingabangela ukusasazwa okuza kwenzeka ngokuhlukileyo kunokuba ukhethe. Kulo cwangciso lwencwadana, oku kungathunyelwa njengesiganeko esishukumisayo okanye ukusasazwa.

Ukubangela ukusabalalisa

Isicwangciso sakho soxwebhu siya kuchaza indlela imali yakho eya kuhlawulwa ngayo kuxhomekeke kuhlobo lomcimbi oshukumisayo. Izinto ezinokubangela ukusasazwa zi:

• Umhlalaphantsi
• Ukupheliswa
• Ukufa
• Ukusabalalisa ngokukhawulezayo okanye ukukhubazeka
• Utshintsho lo lawulo

Njengomzekelo, ukuba ugqityiwe isicwangciso sakho singasasaza ibhalansi eqinisekisiwe kwisithuba seentsuku ezingama-60. Okanye emva kokuthatha umhlalaphantsi , ukuhlawula kwakho kwintlawulo yekhefu yonyaka okhethiweyo kunokuqalisa ngokuzenzekelayo nangona bengenakucwangciselwa ukuqala enye iminyaka emihlanu.

Isicwangciso ngasinye sibeka imiqathango yaso ngoko kufuneka ubhekisele kumqulu wakho ukuze ubone indlela isicwangciso sakho sisebenza ngayo.

Ukusasazwa okuhleliweyo

Ukuba ubala imitha yexesha lakho eliza kuxhamla umhlalaphantsi ngaphambi kokuba ukhethe imihla yakho yokuhlawula iikhompyutheni ezichasiweyo, unokukwazi ukukhetha imihla yokuhlawula okungenzeka ukuba yenzeke kwiminyaka apho enye imithombo yerhafu engenayo irhafu.

Ngokomzekelo, cinga ukuba unomlinganiselo omkhulu wama-401 (k). Xa ufikelela kwiminyaka engama-70 ½ uza kufuneka uthathe isabelo esincinci esifanelekileyo kwaye oku kuya kubangela imali engenayo eyongezelelweyo. Ukuba isicwangciso sakho siyakuvumela ukuba ufune inkomfa yakho echasiweyo ukuhlawula kwiintlawulo ze-installment zeminyaka elishumi ukususela kwiminyaka yobudala ukuya ku-60.

Abantu abaninzi banokuphela ukufumana ukuhlawula kwabo kubakho njengengxowa yemali kwaye loo ntlawulo eyongezelelweyo iwabambelele kwibakethi ephezulu yerhafu kuloo nyaka wekhalenda. Ukuba babekhethile ukuhlawulwa kwentlawulo yeefowuni, banokukwazi ukunciphisa umthwalo wabo werhafu kwiirhafu nge-10 okanye kwi-15%.

Nangona akukho mathuba okulondoloza irhafu, icebo lokufumana umhlala - phantsi lingakubonisa inani lemali engenayo yentela ezayo eya kubakho kunyaka ngamnye ukusuka kukhetho lwakho lokuhlawula olukhethiweyo.

Ezinye iinkalo - ezixhaswa ngemali okanye ezingahlawulwanga

Izicwangciso zeenkcukacha ezicetywayo zivela kwiindlela ezininzi; Uhlobo olulodwa lwesicwangciso lenzelwe ukuzuza abaphathi abakhulu. Ezi zicwangciso zezicwangciso zingabizwa ngokuba yizicwangciso zeetatshi eziphezulu okanye i-SERPS (izicwangciso zokuthatha umhlalaphantsi ezongezelelweyo) okanye, inzuzo engaphezulu okanye inzuzo yokulinganisa.

Ngaloo-IRS izicwangciso ezinxulumene nezicwangciso ezichasiweyo azihlawulwanga-kubhekisela ukuba kukho into embi eyenzekayo kwinkampani imali leyo ingaba phantsi kobolekisi beenkampani. Ukuba awuqinisekanga malunga nekamva le nkampani le nto ingaba sisizathu sokukhethwa ukuba zonke iirhafu zemali ezichasiweyo zihlawulwe kuwe kwisamba semali ngomhla wokuqala kunokwenzeka.

Ngaphantsi: ngokuhlawulwa kwecomp compredered, ukucwangcisa kunokukunceda ukuba ufumane ingeniso yerhafu emva kwenkqubo.