Isizathu sokuba Ufanele (kwaye awufanelekanga) Ukhupha i-401 yakho (k)

Akusoloko Iyenza Ingqiqo yokunika uMax kwi-401 yakho (k)

Yidla impilo. Hlala usebenza kwaye usebenze. Hlala ubuthongo obuhle. Gcina umhlalaphantsi. Ezi zizo zonke iingcebiso ezibalulekileyo zengcebiso ezithintelayo kwimpilo yethu yonke nenhlalakahle. Kodwa ngamanye amaxesha uyazi ukuba kufuneka uyenze into ekuphuculeni yakho yangoku kunye neyokusasa ayanele. Ufuna izikhokelo kunye nesicwangciso senzathelo ukukunceda uhambe endleleni.

Xa kuziwa ekulondolozeni umhlala-phantsi isikhokelo esiqhelekileyo kukugcina, ukugcina, nokugcina ezinye.

Ukwenza umnikelo kwi-401 (k) okanye isicwangciso sokuthatha umhlala-phantsi esifanayo kunokubonakala ngathi akukho-brainer kunye neengxelo ezininzi ezibalaselisa ukuba abaninzi abantu baseMelika abazivekanga ukuba bahamba ngendlela yokuhlangabezana neenjongo zabo zokufumana imali emva koko ebomini. Enyanisweni, iingcali ezininzi zezemali zibonisa ukugcina kwindawo ethile phakathi kwe-10 ukuya kwi-20 ekhulwini lakho lemali engenayo kulo lonke umsebenzi wakho. Konke oku kulungele ukufumana ukuya kuma-80 epesenti yokufumana imali yokutshintshwa kwemali.

Ewe, ezi zibonakaliso nje kunye nesicwangciso sakho sezemali kufuneka sibe kakuhle, uqobo .

Xa kufuneka ukhulule umnikelo kwi-401 (k) isicwangciso sakho

Isiphakamiso esilungileyo sendlela yokugcina isisindisi esaneleyo sokubamba umdlalo wenkampani yakho xa kunikwe. Kukho ezininzi iimeko apho phezulu nangaphezulu kwenkampu yenkampani kuyadingeka ukuxhasa iinjongo zomhlalaphantsi. Ngo-2018 inani elincinci ongayinayo kwi-401 (k) icebo li-$ 18,500 (i-24,500 zamawaka ukuya kuma-50 okanye ngaphezulu).

Nazi ezinye izinto ezibalulekileyo zezemali ezifunekayo ukuba zibe khona phambi kokuba zenze igalelo elininzi kwi-401 (k) yakho:

• Unemizuzu engama-3 ukuya kwezi-6 zeendleko zokuphila ezisisiseko ezibekelwe bucala kwi-fund.
• Uphelile inkokhelo enkulu yamatyala ekhredithi, iimboleko zemali, iimali-mboleko zemoto, njl.
• Unomzila wokufikelela kwiinjongo zobomi bexesha elifutshane elifana nokuba nomntwana, ukuthenga ikhaya okanye enye intengo enkulu yokuthenga.

• Unayo inshorensi yobomi bentsholongwane.
• Unesicwangciso sendawo esisemthethweni kuquka iintando kunye namanye amaxwebhu abalulekileyo (iindawo zokuphila, amandla omnakekeli wezempilo, igqwetha, njl njl.).
• Unika isandla kwiqondo eliphezulu kwiAkhawunti yokuThengiswa kweMpilo (xa ifakwe kwisicwangciso esiphezulu sezempilo)
• Unempilo yomshuwalense wokukhubazeka okwaneleyo ukukhusela wena kunye nosapho lwakho ukuba uphoswa emsebenzini kwiinyanga ezintandathu okanye ngaphezulu.
• Ukuba usondele kumhlala-phantsi unezicwangciso zokunyamekela kwexesha elide endaweni (inshuwalense ye-LTC, ukuhlawula umvuzo, njl.).

Xa kufuneka ukhulule umnikelo kwi-401 (k) isicwangciso sakho

Nangona igalelo elifikelela kumlinganiselo ophezulu unokwenzeka ukuya kwi-401 (k) ingavakala ingcono, akuyona indlela efanelekileyo kubo bonke abantu. Enye into, akubona bonke abantu abakwazi ukunikela i-$ 18,500 ngemali kwisicwangciso somhlala-phantsi. Ukuba ufumana i-$ 50,000 ngonyaka ngama-37 ekhulwini lakho lemali engenayo. Kukulungele ukuvuma ukuba unganakho ukuphuma kwemali efunekayo ukwenzela ukuba kwenzeke oku.

Inkqubo yonke yokucwangcisa umhlala-phantsi ngumsebenzi wokulinganisela wokubeka bucala imali ngasemva ngelixa uzama ukuhlangabezana neemfuno kunye neminqweno namhlanje. Ukuba uqokelele ityala elikhulu lamatyala ekhredithi okanye unomdla omkhulu ongekho-mboleko (umz., Ngaphezu kweepesenti ezi-6) kufuneka ugcine ukunciphisa amatyala njengenjongo ephambili ephambili.

Ngokufanayo, ukuba awunayo i-akhawunti yokugcinwa kwenkxaso-mali yokuxakeka ngokukhawulezileyo kwindawo efanelekileyo unokufuna ukugxila kuloo nto ngaphambi kokunciphisa ukugcina umhlalaphantsi ngaphaya komdlalo wakho womqeshi.

Kukho ezinye izizathu zokuphinda uphinde ucinge ngokubanzi kwama-401 (k) iminikelo. Ukuba isicwangciso sakho sokuthatha umhlalaphantsi emsebenzini sixinzelelwe yimirhumo ephezulu kunye neendleko okanye unomgca wokutsalwa kwezoqoqosho utshintsho ungafuna ukuyeka ukuhamba ngaphezulu nangaphezulu kwempambano yenkampani. Amanye ama-akhawunti asetshenziselwe umhlala-phantsi njengemveli okanye i-Roth IRAs iza kukuvumela ukuba unikele kwi $ 5,500 ngonyaka (i-R6,500 zama-70 kulabo bantu abaneminyaka engama-50 okanye ngaphezulu) kwaye ikunikeze ulawulo oluthe xaxa malunga nokhetho lwakho lotyalo-mali.

Njengoko unako ukubona ngamanye amaxesha kunengqiqo ukukhupha i-401 yakho (k) kwaye ngamanye amaxesha ungadinga ukunciphisa umrhumo wakho. Isinyathelo sokuqala xa uqikelela ukuba kufuneka ugawule kangakanani ukuhlola imeko yakho yezemali.

Ukuba unesiseko esisemgangathweni semali kwindawo kwaye umqeshi uxhaswe ngesicwangciso somhlala-phantsi ulayishiwe ngezinto ezintle, ukwandisa iminikelo yakho inengqiqo. Ukuba usasebenza kwezinye iinjongo zesicwangciso sakho sobomi bezezimali esibonisa ukuba kufuneka ukhuphe ukunyusa 401 (k) iminikelo. Iindaba ezilungileyo kukuba ukuhlawula ityala eliphakamileyo, ukunyusa ukhuseleko lwakho lokuxakeka, kunye nokugxininisa kwezinye iinjongo zezemali nazo ziyimanyathelo ebalulekileyo kwindlela yokufikelela emgangathweni kwezezimali kunye nokubonelela ngengqondo yokulungiswa komhlalaphantsi.