Yiyiphi i-Akhawunti yomhlalaphantsi ihlala kwiPortfolio yakho?
Usenokuba uvile nge-IRAs kunye no-401 (k) kodwa kufuneka ube yinxalenye yepotfolio yakho yezimali? Makhe sihlolisise ezinye iimeko zemali ezingasetyenziswa kuwe kwaye zibeke umvavanyo ngamnye.
Ndingumzali wokuhlala ekhaya
Ngenxa yokuba i-401 (k) isicwangciso somhlala-phantsi esixhaswe ngumqeshwa, kufuneka ube nomsebenzi wokuvula i-401 (k) icebo. Kukho ukungabikho 2 kulo mgaqo: Okokuqala, usebenza ngokuzimeleyo. Ukuba ungumnini shishini, ungumqeshi kwaye unokumisela i-solo 401 (k) eyazibandakanya.
Isicwangciso sinokukugubungela iqabane lakho ukuba lifumana imali evela kwishishini.
Okwesibini, unama-401 (k) kumqeshi wangaphambili kwaye uqhubekile ukufaka isandla kwi-akhawunti. Umqeshi odlulileyo akayi kufanelana neminikelo ngaphandle koko ininzi iya kukuvumela ukuba ugcine i-akhawunti ivuliwe.
IRA ifuna imali engenayo. Kukho iindlela ezimbalwa zokufaka isandla nangona ungenayo umsebenzi:
- Ukusebenzisa okungekho Mfanelo yokuThengwa kweSitokethi: Oku kubalwa njengengeniso ehlawulwayo kwaye ikuvumela ukuba uvule i-IRA.
- Ukuhlawula i-Alimony Intlawulo: Ukuhlawulwa kwentlawulo njengemali engenayo.
- Ubungcali kunye noBambiswano: Ukuba ufumana ifom ye-W2 kule mivuzo, ingeniso yerhafu.
- Imali Yomtshato: Unako ukwenza iminikelo kwi-IRA esekelwe kwingeniso yomlingane wakho xa unako ukufumana ingeniso yakho yodwa kodwa iminikelo ayikwazi ukudlulela imali engenayo yomlingani osebenzayo.
Ndifuna ukufikelela kwiMali ngaphambi kokuthatha umhlalaphantsi
Zonke ii-akhawunti zomhlala-phantsi ezixhaswe ngerhafu zenzelwe ukuba ungenako ukufikelela kwimali ngaphambi kokufikelela kwiminyaka engama-59 ½ ubudala ngaphandle kweemeko ezithile.
Ukucinga ukuba awuwa kwenye yezo zinto, ukuphela kweentlawulo zentlawulo ye- 10 kunye neentlawulo eziqhelekileyo zentlawulo kukuthatha imali mboleko kwi-401 (k) yakho. Umqeshi wakho uya kuba nemithetho ethile xa evumela imali.
Inketho efanayo neRoth IRA. Ngenxa yokuba uhlawula irhafu ngemali ngaphambi kokufaka isandla, loo mali ingowakho ukurhoxisa nanini na ukuba ungathanda ngaphandle kwezigwebo okanye irhafu.
Ngethuba nje kuphela ukurhoxisa iminikelo kwaye kungabi ngemali oyenzayo, ukuhoxiswa kwakho kuhlawulelwa irhafu. Ukuba uhoxisa uzuzo lwezolimo-mali phambi ko-59 ½, yonke imithetho yokusabalalisa kwangaphambili, kubandakanywa isohlwayo se-10 ekhulwini, iya kusebenza.
I-Akhawunti Yethu Yokugcina Umhlalaphansi
I-akhawunti yakho yokugcina imali yomhlalaphantsi kufuneka ibe ngu-401 (k) ngenxa yemida yokutshala imali. IRA inomda osemgangathweni we-$ 5,500 okanye i-$ 6,500 uma uneminyaka engaphezu kwama-50 ngo-2018. Akunelisekanga ukudala iqanda lokuthatha umhlalaphantsi.
Ngo-2018, unako ukufaka i-$ 18,500 ukuya kwi-401 (k) okanye i-$ 24,500 xa uneminyaka engaphezu kwe-50. Nangona abaninzi abantu abanakufaka igalelo elipheleleyo, kukuvumela ukuba ufake isandla kwizinga elikubeka ukuya kufinyelela kwiinjongo zakho zokulondoloza ukunika ukuba uqale ekuqaleni.
Andifuni Ukuhlawula Imirhumo Xa Ndiyishiya iNgxowa-mali
Unyango lwentlawulo xa usasazwa ngemali ayikho umbuzo woluphi uhlobo lwe-akhawunti yomhlala phantsi kodwa ngaphezulu kwezinto ezikhoyo kuwe. Nge-Roth IRA uhlawula irhafu xa unika i-akhawunti kodwa kungekudala xa ususa imali. Ezinye iinkampani zinikeza iRoth 401 (k) kunye nayo isebenza ngendlela efanayo. Ukuba azinjalo, unokufaka isandla kwi-401 yakho (k) ukuya kumdlalo wenkampani kwaye uvule i-Roth IRA kwaye wenze igalelo kule akhawunti.
Ndifuna ukuTyala iMali yam indlela
Ukuba unomalimi onomsebenzi, mhlawumbi awuyi kuthandi ukuba inkampani yakho 401 (k) ikunike kuphela imali ekhethiweyo yokukhetha xa kuthelekiswa nezinketho ezingapheliyo eziza ne-IRA. Ezinye iinkampani zinikeza inketho yokuzilawula ngokwabo inxalenye yabo 401 (k). Kwimeko apho, unako ukutshala imali leyo malunga nantoni na oyithandayo ngokuxhomekeke kwimithetho yakho yecebo.
Andiyazi kakhulu malunga nokutshala imali
Kule meko, uthanda u-401 (k). Ngombolo encinci yemali yokukhetha kuyo, i-akhawunti kulula ukuba isetyenziswe. Abaninzi abaqeshi balungiselela umcebisi ukunceda abasebenzi ukuba bathathe imali efanelekileyo kwi-akhawunti yabo.
Ukuba awunalo ulwazi oluninzi lokutyalomali, thabatha ixesha lokufunda izinto ezisiseko. Akukho mntu ukhathalela ngakumbi ngemali yakho kunokuba wenze njalo izigqibo ezibalulekileyo malunga nendlela imali yakho ilawulwa ngayo.
Kuqikelele ukufuna iingcebiso ngeengcali zezemali kodwa izigqibo ezigqwesileyo ziya kuwela kuwe.
Ndifuna iNkampani Yam ukuxhathisa iMinikelo yam
Ukulingana kwabasebenzi liyinxalenye ephambili ye-401 (k). Imiqathango yomdlalo incike kumqeshi kodwa phantse kuwo onke amacala, ukufanisana kwenzeka ngo-401 (k).
Nangona kungavamile, abanye abaqeshi abancinane banokufanisa umrhumo kumntu womqeshi uRoth okanye i-Traditional IRA. Ngenxa yokuba ama-401 (k) axabisa umqeshi ukuba amise, le nto ingaba yindleko ephezulu kodwa unyaka ophantsi, umqeshwa ufuna i-401 (k) ukuze afumane iinjongo zomhlalaphantsi. IRA kuphela yanele.
Ndifuna iAkhawunti ukuba iqhubekele kumfazi wam xa ndidlula
Ukucwangciswa kwezindlu kuyimigqaliselo eyinkimbinkimbi eninzi idinga uncedo lommeli kodwa kumazwe amaninzi, iakhawunti yakho yomhlala-phantsi iya kuhamba ngokuzenzekelayo kwiqabane lakho. Nangona kunjalo, yonke i-akhawunti yemali ikucela ukuba uzuze igama lomxhamli. Qinisekisa ukuba wenze oko ukuze ugweme nayiphi na ingxaki. Okubaluleke ngakumbi kukuba wena kunye neqabane lakho ukuqonda unyango lwerhafu lweeakhawunti ezigqityiweyo. Abaninzi abasetyhini baza kulufaka kwi-IRA yabo okanye 401 (k) benze nayiphi na irhafu yentlawulo ehlawulwe ngaphambi kokuba baqale ukusasazwa.
Lumnka. 401 (k) sisoloko ihamba kunye nenketho eninzi ukuba unokudlula. Kwiimeko ezininzi, iimali zihlawulwa ngesinye isixa semali kumntu ofumana inzuzo. Funda kwaye ube nolwazi lwezikhetho ezifumanekayo kuwe kodwa ufune uncedo oluvela kumqeqeshi oqeqeshekileyo kuzo zonke izicwangciso zezindlu.
NdineMali yeMali yokuTyala
Ukuba uya kuba ne-akhawunti eyodwa kuphela, udinga i-401 (k) ekubeni igalelo eliphezulu leminyaka liphindwe kathathu ngaphezu kwe-IRA. Nangona kunjalo, ngokungafani, kulungele ukuba ne-IRA kunye ne-401 (k). Abantu abanamalungelo amanqanaba aphakamileyo badinga uncedo lomcebisi wezemali ukutyalwa ngokufanelekileyo ngelixa kusebenza ngempumelelo njengerhafu.
Andifuni ukuba uMqeshi wam Ulawulwe iAkhawunti
Kwiimeko zombini, umqeshi akanakho ukulawula i-akhawunti yakho. Nangona i-401 (k) isicwangciso esixhaswe ngumqeshwa, uya kubeka i-akhawunti ngephandle kwenkampani. Ukuba ushiya umqeshi wakho wangoku, u-401 (k) uya nawe. Awuyi kufanelana neminikelo yakho ayisekho kodwa i-akhawunti ingeyakho.
IRA yi-akhawunti eyenziwe nguwe kwaye ayibandakanyi inkampani yakho. Kwiimeko ezinqabileyo, banokunikela ngegalelo kwi-IRA kodwa abanakho ukulawula i-akhawunti.
Akunandaba nokuba yeyiphi i-akhawunti yomhlalaphantsi oyikhethayo. Ngaba ngowakho kwaye umqeshi akanakho ukulawula imali.
Yintoni Okufuneka Ndiyikhethe?
Umehluko obaluleke kakhulu phakathi kwee-akhawunti ze-2 yi-maximums annu. Awukwazi ukudala i-akhawunti enkulu yomhlalaphantsi ngokwaneleyo nge-IRA yodwa. Ufuna umda ophezulu wegalelo we-401 (k) ukuzibeka wena kunye nosapho lwakho ukuze uphumelele. Nangona kunjalo, i-IRA kunye ne-401 (k) idala ulwahlulo kunye nezinye iindlela zokutshala imali. Ukuba ii-akhawunti zombini zenza ingqiqo yemali.