Indlela Umqeshi Udibanisa Ngayo Umsebenzi kunye Nendlela Yokuzikhulisa
Indlela Umlingani Ofanelana Ngomsebenzi
Xa umqeshi wakho enika uhlobo lomqhathaniso womqeshi kwiminikelo eyenziwe kwisicwangciso sabo somhlala-phantsi, basuke besithi baya kufana, ukuya kumda othile, isixa ofaka isandla. Ngoko ukuba unquma ukungathathi inxaxheba kwisicwangciso somhlala-phantsi somqeshi wakho, umqeshi wakho uphumelele kwaye akayi kwenza nayiphi na iminikelo egameni lakho. Ukuba ubeka ixabiso lokunciphisa i-payroll ukuxhasa imali, umqeshi wakho uya kufaka isandla kwiakhawunti yakho-ke imali ekhululekile nje nje ngokuba uqhubeka nokufaka isandla kwaye unikwe ngokupheleleyo.
Iimviwo zeeShedyuli zokuThengisa umSebenzi zisebenza njani
Kuthetha ukuthini? Izicwangciso zomdlalo zomqeshi ziza kunye neshedyuli yokubambisa njengenkuthazo yokuhlala iqeshwe kunye nenkampani. Nangona umqeshi wakho uya kuqalisa ukulinganisa igalelo lakho (ngokuvumelana nesicwangciso sabo) ngexesha owenza igalelo lakho lokuqala, mhlawumbi akanalo amalungelo okukhawuleza kuloo mali ehambelanayo.
Ishedyuli yokuthengiswa kwenkampani yakho iya kugqiba xa ugciniwe ngokupheleleyo, okanye unokubamba ubunikazi obupheleleyo baloo midlalo kunye nemali yabo. Iishedyuli ezininzi zokuthengiswa zinomlinganiselo weminyaka emininzi ngaphambi kokuba uzalise ngokupheleleyo, okanye i-100% ifakwe, kwaye iishedyuli ezininzi zinika ukunikezelwa okuyingcipheko okwandayo ngonyaka ngamnye.
Ngokomzekelo, inkampani yakho ingaba neshedyuli yokuthenga iminyaka emi-5 apho emva komnyaka wokuqala wokuqeshwa ongekho (0%), kodwa emva kweminyaka emibini unama-25% anikwe, kwaye emva kweminyaka emithathu unama-50% kwaye njalo ude ufikelela kwi-100%.
IiShedyuli eziMatriki eziqhelekileyo
Nangona umqeshi enokukwazi ukumisela umda kumsebenzi wokufanisa umqeshi, umdlalo oqhelekileyo womqeshi ngumdlalo we-50% ukuya kwi-6% yomvuzo wakho, intsingiselo yodola ngalinye umqeshwa unika isandla, umqeshi uza kufaka iikenti ezingama-50, kodwa kuphela umda we-6% waloo mivuzo yomqeshwa. Oku kuthetha ngempumelelo ukuba ukuba nayiphi na umsebenzi ukhulisa iminikelo yomqashi wabo, iminikelo yabo yomqeshi iya kulingana ne-3% yomvuzo womqeshwa. Kufana nokufumana u-3% ukuphakamisa nokukhawuleza ukugcina imali eyongezelelweyo kwi-paycheck nganye kwi-akhawunti eneentlawulo!
Kodwa abanye abaqeshi banikela amanye amahedyuli omdlalo, njengaleyo eyaziwa ngokuba ngumdlalo okhuselekileyo woKhuseleko , emva kwemiqathango yoKhuseleko oluKhuselekileyo 401 (k) Cwangcisa. Lo mdlalo ufana nomdlalo we-100% ukuya kwi-3% kwaye umdlalo we-50% ukusuka kwi-3% ukuya ku-5%. Ngalo mdlalo, umqeshi uza kufana nomdola-dollar ukuya kwi-3% yomvuzo womqeshwa ama-50 engama dollar kunanto engaphezu kwama-3% nangaphantsi kwe-5% yomvuzo wabo wonke.
Indlela yokubala umxhasi womqeshi
Yithi umqeshi unikela umdlalo oqhelekileyo kunye nomdlalo we-50% we-6% yokuqala yomvuzo wakho opheleleyo. Masiqhubeke sithi imali yakho engenayo yokuhlawulwa i-$ 3,000. Ukuba unika i-6% yentlawulo yakho epheleleyo, i-401 yakho (k) igalelo yayiyi-$ 180 nganye yokuhlawula (ibalwa njenge-6% yanda nge $ 3,000). Ekubeni umqeshi wakho ulingana nesiqingatha (50%) somnikelo wakho we-$ 180, baya kufaka enye i-$ 90 kwisicwangciso sakho se-401 (k). Phakathi kweeminikelo ezimbini, zakho kunye nabaqeshi bakho, ngokukhawuleza unikezele nge-$ 270 kuphela ngokugcina imali eyi-$ 180 ($ 180 + $ 90). Ukongeza kwinto leyo, ukuba ukuncitshulwa kwakho kungekahlawulwanga yerhafu (kungekhona iRoth 401 (k) iminikelo) kwaye usindise kwiirhafu oya kuhlawula kule $ 180. Akukho nanye amathuba okutyalomali akhona kunye nenani eliqinisekileyo lokubuyisela njengaloo 401 (k) umdlalo womqeshi.
Indlela yokukhulisa umlingani wakho womqeshi
Ukuba umqeshi wakho unika i-401 (k) inkqubo ehambelana nayo, enye yeenjongo zakho zokuqala zemali kufuneka ukuba ukwandisa loo mdlalo ukugcina - kwaye wenze-imali eninzi njengokuba unako umhlalaphantsi. Ukwandisa umlinganiso wakho womqeshi, oko kukuthi ukufumana okungangoko unakho, kufuneka uqale ukufaka ubuncinci kumyinge. Ukuba umqeshi wakho unika umdlalo woKhuseleko oluKhuselekileyo, umzekelo, ngoko kufuneka ube negalelo elingenani ama-5% kuwo onke ama-pay1 401 (k) ukuqinisekisa ukuba ufumana imali enkulu kumqeshi wokulinganisa umqeshi njengokuba ufanelekile.
Ekugqibeleni, umdlalo oveziweyo unjengokuphumelela kwikasino rhoqo xa udlala. Kutheni nantoni na enye ngemali yakho? Thatha imali yamahhala kuphela u-401 (k) umdlalo unika.