Imali Yakho Ayenjalo Ngokwenene Ngaphandle kokuba Uthengiswe Ngokugcwele
Umqeshi wakho unokuba negalelo elikhulu kwisicwangciso sakho somhlala-phantsi okanye kwisicwangciso sakho sokhetho, kodwa imali kunye nayiphi na enye inzuzo ayinayo okwenene uze uthobele ishedyuli yokuthengisela isicwangciso.
Kuze kube yile ngongoma, usenokulahlekelwa izibonelelo zakho.
Yintoni Eyona Impahla?
"Ukukhangela" kubhekisela kwingxenye yakho yobunikazi kwimali enikwe yona njengenxalenye yomhlalaphantsi, ukhetho lwesitoko okanye esinye isicwangciso sobonelelo. Yona ngcamango enokudideka ukususela ekubeni nangona ungabona imali kwi-akhawunti yakho, usenokulahleka loo mali (okanye enye inzuzo) xa ushiya umsebenzi wakho ngenxa yokuba ungagunyaziwe kuso.
Ukuze ukhuthaze ukunyaniseka kwakho, abaqeshi bahlala befaka umrhumo wakho kwi-akhawunti yomhlala phantsi okanye kwi-akhawunti yokukhetha inkcazo ngokubhekiselele kwiishedyuli zokuthengisa, oko kuthetha ukuba banokuyinyathela iminikelo yabo phambi kwakho njenge-karoti-ngaphezulu kweminyaka osebenza ngayo, ngaphezulu kweminikelo yabo oyifumanayo ukugcina. Ukuba uhamba, imali ibuyele kwiinkampani.
Ukukhangela akusebenzi kwiyiphi imali ozifaka yona (yimali yakho, kwaye uya kuwugcina xa ushiya inkampani).
Nanini na xa wenza igalelo kwisicwangciso sakho somhlalaphantsi emsebenzini, unikwe i-100% kwiminikelo yakho. Iishedyuli zokusebenza zisebenza kuphela kwiimali iinkampani ezenza igalelo lakho egameni lakho.
Iishedyuli zokuThengisa iiAkhawunti zeRhafu
Iishedyuli zokuthengisa ziza kwiintlobo ezintathu ezisisiseko:
- Ukunikezelwa ngokukhawuleza: Njengoko igama libonisa ukuba, abaqeshwa abanolu hlobo lwesicwangciso sokuthenga bafumane ubuninzi bomnikazi wabo ngemali ehambelanayo nomncedisi wabo ngokukhawuleza xa behlala kwiingxelo zabo.
- U-Cliff uthembisa: Iiplani zokuthengisa izicwangciso zokutshintshwa kwezikhundla zihanjiswe u-100% ubunikazi kumqeshwa kwelinye chunk emva kwexesha elithile lenkonzo (umzekelo, unyaka omnye). Abasebenzi abanelungelo kunoma yimuphi umrhumo wabo ohambelanayo xa behamba ngaphambi kokuba ixesha liphele. Kodwa ngosuku abafikelela ngalo umhla ophawulekayo, banayo yonke into. Umthetho we-Federal ufuna ukuba iishedyuli zokuthengisa iindawo ezinqamlekileyo zicwangciswe kwizicwangciso zomhlalaphantsi ezifana ne- 401 (k) okanye i- 403 (b) ingadluli kwiminyaka emithathu.
- Ukuthengiswa kweemali eziphezulu: Ukunikezelwa kweempahla ezixhasiweyo kunika abasebenzi ngokunyuka kwandisa ubunikazi beminikelo ehambelanayo njengoko ubude beenkonzo beyanda, okubangelwa ubunini bebunikazi. Ngokomzekelo, ishedyuli yokuthengiswa kweminyaka emihlanu ingabanika i-20% ubunini emva komnyaka wokuqala, emva koko i-20% ngaphezulu ngonyaka ukwenzela ukuba abasebenzi bafumane ubunini obupheleleyo (100%) emva kweminyaka emihlanu. Ukuba umqeshwa ushiya ngaphambi kweminyaka emihlanu, uhlala egcina kuphela ipesenti yomrhumo ohambelanayo nomqeshi apho anikwe khona. Umthetho we-Federal ubeka isithuba seminyaka emithandathu kwishedyuli yokuthengiswa kweefomathi kwizicwangciso zomhlalaphantsi.
Iishedyuli zokuThengisa iiStock Options
Izinketho ze-Stock zinika abasebenzi ilungelo lokuthenga isitishi seenkampani kwixabiso elibekiweyo, kungakhathaliseki ukuba ixabiso lemarike langoku likhoyo. Ithemba kukuba intengo yemarike yesitokisi iya kuphakama ngaphezu kwexabiso elibekwe phambi kokuba ukhetho lusetyenziswe, unike umqeshwa ithuba lokufumana inzuzo.
Ezi zicwangciso zingenakho naziphi na iindlela eziphambili zokubanika.
Kwisicwangciso senqwelomoya, umzekelo, umqeshwa ufumana ukufikelela kuzo zonke izinto ezikhethiweyo kwimpahla ngosuku olufanayo. Esi sicwangciso esicwangcisiweyo, abasebenzi bavumelekile ukuba basebenzise kuphela inxalenye yeendlela zabo zokhetho ngexesha.
Ukuba ngaba abasebenzi, ngokomzekelo, banikezelwa ukhetho kwizabelo eziyi-100 kunye neshedyuli yokuthengisa i-cliff ye minyaka emihlanu, kufuneka basebenzele inkampani iminyaka engamahlanu ngaphambi kokuba basebenzise naluphi na ukhetho lokuthenga amasheya. Kwiminyaka emihlanu yokulungiswa kweminyaka, banokukwazi ukuthenga izabelo ezingama-20 ngonyaka baze bafike kwizabelo eziyi-100 kunyaka wesihlanu.
Ngenxa yokuba amaninzi amanqanaba okukhetha i-stock ayinxalenye yesicwangciso somhlala-phantsi somqeshwa, iishedyuli zabo zokuthengiswa azikhawulelwanga yimithetho efanayo yemithetho elawulwayo.
Iingcamango Zokugqibela Ngokuphathelele Ukukhangela
Ukunciphisa okanye ukuphelisa ithuba lokulahlekelwa nayiphi na umrhumo wokuqhawula umqeshi onokufanelana nawo, kubalulekile ukufunda nokuqonda ishedyuli nemigaqo kwiinkampani zakho.
Qinisekisa ukuhlaziya isitatimende sakho se-akhawunti yakutshanje, qhagamshelana nesebe lakho lezakhono zoluntu, okanye khangela iinkcukacha zakho zeencwadana zokufunda ukuze ufunde kabanzi malunga nayiphi na iishedyuli zokuthengisela i-akhawunti yakho yomhlalaphantsi.