Isizathu sokuba Ufanele uhlaziye zakho 401 (k) Cwangcisa abaxhamli

Iifom zeNkxaso-mali eziNyuncedo aziyiMibhalo eYodwa kunye neNye

Xa usungula i- 401 (k) isicwangciso okanye esinye isicwangciso somhlala-phantsi oxhaswe ngumqashi emsebenzini, uyacelwa ukuba ukhethe i-deductions yakho phambi kwentela okanye emva kwentela, ukhetho lwakho lotyalo-mali kunye nezicwangciso zakho zokufumana inzuzo . Ukusuka apho, abaninzi abantu bakhathazeka kuphela ngokulungelelanisa iindlela zokuqala ezimbini zokufumana imali yokugcina imali kunye nokukhethwa kwentlawulo engcono ngokusekelwe kumsebenzi okanye ukunyamezela. Nangona utyunjelwa ngabaxhamli beemfuno akufanele zihlaziywe rhoqo ngonyaka, zifanele zihlaziywe rhoqo ngokuthanda kwakho okubhekisele kuyo ubuncinci kwiminyaka embalwa okanye ebangela iziganeko zokutshintsha ubomi njengomtshato, umtshato, ukuzalwa okanye ukufa ( phakathi kwabanye).

Nasi isizathu.

IiAkhawunti zeRhafu zomhlala-phantsi ziTshintshiselwa kwii-Asset Death

Ngokungafani nezinye ipropati kunye ne-asethi, i-asethi egcinwe kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi njenge- 401 (k) okanye enye i-akhawunti yokulondoloza umhlala-phantsi njenge-IRA ithathwa njenge-asethi yokufa-yokufa (i-TOD), oku kuthetha ukuba ubunini bebunikazi bodluliselwe abaxhamliweyo abaxhamliweyo ekufeni kwakho kunokuba bahlulwe njengoko kuchazwe kwintando yakho okanye inkundla yecala.

Inzuzo enkulu kunazo zonke kwiimpahla ze-TOD kukuba zivunyelwe ukuba zidlulele kumntu oncedayo ngaphandle kwe-estate estate probation, okwenza abaxhamliweyo abaxhamliweyo baphephe ixesha kunye neendleko zenkqubo yovavanyo lwezo zinto. I-downside kwi-akhawunti yokudlulisa-ekufeni-yinto yokuba ukuba umnqweno ofayo walezo zinto sele utshintshile, kodwa abaxhamli abazange bahlaziywe ngokufanelekileyo, baninzi abasindayo. Ukongezelela, ukuba ngaba abaxhamliweyo abaxhamlileyo baqulunqa umnikazi we-akhawunti kodwa abaxhamli abazange bahlaziywe, ngoko ezo zixhobo ziya kuba phantsi kwexesha kunye neendleko zovavanyo.

Ngoko uyisebenzisa njani inzuzo yokufumana abaxhamli beakhawunti, ngelixa uphephe ukuxhamla? Isinyathelo sokuqala kukukhetha abaxhamli bakho abaziintloko kunye nabanamalungelo.

Ukuqulunqwa kwabaNcedisi abaziPrayimari kunye nabaPhezulu

Xa uqala ukubeka u-401 (k) okanye i-IRA yakho, uya kunikwa ithuba lokukhetha abaxhamli kwi-intanethi okanye kwifom yomxhamli.

Kule fomu, kufuneka ubonise umxhamli oyintloko kunye nomxhamli ochaphazelekayo .

Umxhamli oyintloko ufumana ibhalansi yeakhawunti yakho kwiimeko ezibuhlungu ukuba ufe. Ngakolunye uhlangothi, utyunjwa okanye oxhamliweyo, utyunjwe kwimeko apho umxhamli oyintloko oyiluncedo uyakunqanda. Ekubeni umntu oshonile akanakudla ilifa, i-401 yakho (k) ibhalansi ye-akhawunti iya ku-beneficiar (ies) oye wafumanisa ukuba umceli wakho oyintloko uyasaphila.

Ngokuqhelekileyo, uya kunikelwa ukhetho lokukhetha ipesenti yeefa ze-akhawunti ukuya kulaba baxhamli. Masithi, umzekelo, ukuba utshatile kwaye unabantwana ababini. Unokukhetha ukwenza iqabane lakho libe ngumxhamli oyintloko kwi-100% elithetha ukuba xa udlula, iqabane lakho liya kulidla ixabiso le-akhawunti. Kodwa xa umlingane wakho ekudlulela phambili, ukhetha ngamnye umntwana wakho njengabaxhamli abanamalungelo kwi-50%, oku kuthetha ukuba kufuneka iqabane lakho lidlulele ngaphambili okanye ngexesha elifanayo njengawe, abantwana bakho babini baya kufumana isiqingatha sexabiso le-akhawunti. Nangona ukhetha ukukhetha abaxhamli bakho konke kulungile kwaye kulungile. Ingxaki ivela xa ungalokothi ucinge ngabafaki baxhamli babo emva kokuzalisa okokuqala.

Isizathu sokuba Ufanele uhlaziye iimpawu zakho zoNcedo

Nangona ukuphathwa kwefomu yokutyunjwa kwakho njengomsebenzi omnye kunye nokwenziweyo kungasoloko kulungile, kudla ngezinye iinkqubo kungabangela ingxaki. Ukubuyela kumzekelo wethu wokuqala, masithi sitshatyalaliswe emva koko. Kwiminyaka kamva, utshata kwakhona. Unethemba lokuhlaziya intando yakho ukuze iqabane lakho elitsha lizuze ifa lakho kunye nezinye izinto xa usweleka. Ukucokisekileyo, uqhagamshelana nommeli womshuwalense womshuwalense kunye nokubonelela ngokufanelekileyo ngokuhlaziywa okuyimfuneko. Kodwa awuyi kutshintsha i-akhawunti yakho yomhlala-phantsi. Emva kweminyaka uya kufa.

Ikhaya lakho liya kudlula kumlingane wakho omtsha, ngokulandela imigomo yakho. I-inshorensi yobomi bendoda iya kuhamba naye kwiqabane lakho elitsha, ngenxa yeso sicelo owenziwe kwi-inshente yakho yomshuwalense. Kodwa i-401 yakho (k) isicwangciso?

Oku kuya kumlingane wakho wangaphambili, ngokuba awuzange uhlaziye i- 401 (k) ifom yokutyunjwa yokufumana inzuzo . Njengengxelo ye-TOD, ukudluliselwa kwe-akhawunti yakho engama-401 (k) ayihambisani nemigomo yento iya kuthanda ezinye iimpahla zakho. Ifomu yokutyunjwa kwabaxhamli luyixwebhu elikhokelayo, eliyingozi kule meko. Ukuze uphephe iziganeko ezifanayo, qiniseka ukuba uhlaziya rhoqo ngama-form (40) (i-K) kunye ne-IRA ifom yeenzuzo ezixhamliweyo, ngokukodwa ukuba unayo nayiphi na intshintsho enkulu yentsapho ukususela kwisicwangciso sakho. Wena kunye nabathandekayo bakho baya kuvuyiswa nguwe.