Ukuqonda indlela 401 (k) iAkhawunti esebenza ngayo
Ngama-401 (k) iingxelo ezithatha izicwangciso zempesheni zemveli kwihlabathi ezininzi, kubaluleke kunanini na ukuba uyaqonda ukuba 401 (k) utyalo-mali usebenza. Ukuthatha umhlalaphantsi wakho kuxhomekeke kuyo! Esi sikhokelo senzelwe abaqalisi ukuba bancede baqonde izinto ezifana nomda weminikelo , umahluko phakathi kwe-akhawunti engama-401 (k) kunye ne- IRA , i-penalties zokuhoxiswa kwangaphambili xa ufikelela kwimali ngaphambi kokudala ubudala, nangaphezulu.
01 Iza ku-401 (k) IziCwangciso zomhlala-phantsi
Uluhlu olunezantsi lwephepha elicacileyo luchaza izinto ezisiseko ze-401 (k) isicwangciso kunye nendlela onokusebenzisa ngayo i-akhawunti yakho engama-401 (k) ukuze utyalole umhlalaphantsi wakho. Yona ndawo ingcono ukuqala ukuba ungayazi nantoni na malunga nendlela ezi ntlobo ze-akhawunti yomhlalaphantsi zisebenza ngayo ngoba iquka isiseko malunga nayo yonke indawo ekufuneka uyiqonde malunga ne-akhawunti jikelele yomhlalaphantsi kuquka i-rollovers, irhafu yentlawulo, iimboleko kunye nobunzima rhoxiswa.
02 401 (k) Ukutyalo-mali akufuneki kube nzima
Ngamanye amaxesha, abatyali-mali benza 401 (k) iingxelo ezinzima xa bengenayo. Ukungaqondakali okukhulu kukuba i-401 (k) uhlobo lotyalo-mali xa kungenjalo. Yiluhlobo lwe-akhawunti ehlawulwa ngerhafu enokubamba utyalo-mali, olugqithisekayo lwazo zonke iimali. Le nkcazo yezinye iimpazamo eziqhelekileyo ezenziwe ngabatyalo-mali basemhlala-phantsi zingakunceda ukuba uphathe umgangatho ongcono kwi-investments yakho.
03 Imfihlelo yo-401 (k) Impumelelo yokuTyala
Kukho izinto ezimbalwa ezenza ukuba kubekho u-401 (k) i-akhawunti yomhlala-phantsi ukuba uphumelele ukugcina nokugcina imali . Ngokuzibandakanya ezi nzuzo, unelungelo lokwenene lokukhula ngokucebisa ixesha elide ngenxa yombono wokuqulunqa. Ngemizekelo yangempela yematriki yendlela onokuzuza ngayo kwiirhafu-ntlawulo, igalelo elifanayo, kunye nexesha elide le-akhawunti yakho yomhlalaphantsi, eli nqaku lenzelwe abo bafuna ukubona iinkcukacha zendlela yokusebenzisa isicwangciso somqeshi esinokukunceda ngayo ukufezekisa zakho iinjongo.
04 I-5 Eyona nto ibaluleke kakhulu 401 (k) Imigomo Okumele Uyazi
Xa kufike kwi-401 (k) utyalo-mali, kukho imigaqo emihlanu ukuba ngamnye umtyalo-mali omtsha makwazi. Le migaqo ibandakanya izinga elilinganayo, umda wokulinganisa, umda wenkxaso, ukunciphisa irhafu, kunye nokukhutshwa kobunzima. Ngokuqonda indlela nganye, kunye nendlela onokuyisebenzisa ngayo inzuzo yakho, unokuphucula amathuba akho okuba ngumntu ozimele ngokwezimali kwaye unomhlalaphantsi oqinileyo.
05 Awufanele Unyuke Phakathi ko-401 (k) kunye ne-IRA
Enye yezinto ezidume kakhulu kukuba, "Ngaba ndinako u-401 (k) kunye ne-Traditional IRA okanye iRoth IRA?" Impendulo kukuba: Ewe! Kukho imigaqo oyifunayo ukuba ulandele ukuba unoluhlobo olukhethekileyo lwe-IRA efana ne-Simple IRA okanye i-SEP-IRA kodwa ngaphandle koko, ngokusebenzisa ngokunjalo zombini, unokukwazi ukugcina imali eninzi kwi-fund yakho yomhlalaphantsi. Lo mboniso uchaza indlela enokwenzeka ngayo kunye nezimbalwa zezizathu onokucinga ngazo ukuvula zombini i-401 (k) kunye ne-IRA.
06 Yiyiphi Inzuzo kunye neNgxaki yokuthatha i-401 (k) Inkcitho?
Ukuthatha imali engama-401 (k) mboleko, ngamanye amaxesha kuthiwa yimali-mboleko yenkathazo, ingaba yindlela yokugqibela yokufumana imali yakho yomhlala phantsi ngaphandle kokugqithiswa ngesigwebo sokususa okokuqala ... nje nje xa ulandela imithetho kwaye ubuyisela imali phambi kokuba ku fanele! Ukufunda malunga nendlela ezi mboleko kunye nendlela onokufanelekela ngayo, funda eli nqaku.
07 Iingqungquthela ezimbini ezibalulekileyo (k) Izigwebo omele uziphephe
Kukho ezimbini ezimbini (k) izigwebo omele uziphephe. Ukubakhokelela ngengozi kungabangela ukuba uninzi lwemali yakho ekhunileyo eya kwi-IRS kwiintlawulo zentlawulo endaweni yeqanda lakho leenyama, okubangelwa yimiphumo emibi yexesha elide lokucwangcisa umhlalaphantsi kunye nekamva lakho! Zenzele ubabalo kwaye ufundiswe ukuba zeziphi izigwebo, indlela ezibangelwa ngayo, kunye nezinye zezinto onokuzenza ukukhusela utyalo-mali.
08 I- 40 yeSolo 401 (k) kunye no-Self-Employed 401 (k) Izicwangciso
Kwizigidi zabaotyalo-mali, inkunzi enkulu yotyalo-mali ebomini babo yinkampani encinane yentsapho. Kuthiwani ngabashishini abafuna ukuthatha inzuzo kwezinye zeentlawulo zerhafu ye-401 (k) isicwangciso? Yilapho iSolo 401 (k) okanye i-Self-Employed 401 (k) isicwangciso sisebenza. Ezi ngxelo zinikezelwa ngabanye abaphathi beprogram abahlala phambili belizwe kwaye banokuvulwa ngomonde omncinci, ixesha, iphepha kunye neendleko. Ukuze ufunde kabanzi malunga nale akhawunti, funda eli nqaku.
09 Indlela entsha iRoth 401 (k) Ingayigcina imali engaphezulu kwiPokotho yakho
Ukulandela impumelelo enkulu ye- Roth IRA , evumela abatyali-mali ukuba bafake i-dollar emva kwentela kwi-akhawunti ukuze bakhule umhlala-phantsi kwaye bakhusele yonke inzuzo, izabelo, inzala, ii-rents, kunye neenzuzo ezinkulu kwiintlawulo. urhulumente, iCongress yaqalisa into entsha ebizwa ngokuthi iRoth 401 (k). Ngokuqulunqa iminikelo phantsi kwemiqathango yeRoth, umtyalo-mali olandela imigaqo unokukwazi ukunandipha ukukhula okukodwa kwentela kwi-401 (k) akhawunti njengoko akwaziyo kwiRoth IRA!