Izizathu zokuba kutyala abantu kwisicwangciso se-401k
Ngaphambi kokuba sifike khona, kunjalo, makhe sijonge ukuba kutheni uthatha inxaxheba kwisicwangciso se-401k kwindawo yokuqala. Nazi ezinye ezimbalwa ezifanelekileyo.
Ukuphulwa kweRhafu: Ufumana ikhefu ezimbini zerhafu xa ulondoloza kwisicwangciso se-401k. Okokuqala, imali ofaka kuyo yintsikelelo ehlawulwa yerhafu ukuba oko ufaka isandla kwi-401k kulo nyaka akuyi kuhlawulwa irhafu njengeniso kulo nyaka. Awuyi kuhlawula irhafu kwiingxowa-mali ezibanjwe de uze uhoxise imali, ngokuqhelekileyo ekuhlaleni. Ngoko ke, ukuba wenza i-$ 58,000 ngo-2016, kwaye uhlawule i-$ 5,800 (i-10%) kwi-401k yakho, ingeniso yakho yerhafu ngokukhawuleza ihla ku-$ 52,200. Okwesibini, ukugcinwa kwakho kukhula ngokukhawuleza kuba bahlawulwe irhafu. U-401k wakho ujabulela ukukhula okukodwa okungafunyanwa ngumntu ongenisa irhafu de uze uthathe umhlalaphantsi kwaye uqale ukurhoxisa imali.
Ukulondoloza Kulula : Ukutshala imali kwi-401k yakho "ukuzihlawula kuqala" kuba kuqinisekisa ukuba uxhasa ubutyebi bakho kwikamva. Ukugcinwa okuzinzileyo kwindlela enye abaye bayisebenzisayo.
Kwakhona indlela elula yokugcina ukususela ekubeni umqeshi wakho unciphisa umrhumo wakho we-401k ngokuzenzekelayo kwi-paycheck yakho ukuze akufuneki ukhumbuze ukuba ubhale isheke. Emva kwithuba elithile, mhlawumbi awuyi kubona loo mali ekhoyo ekhokhweni lakho lokuhlawula. Ngaphandle kwe-401k, kufuneka ubeke i-akhawunti yomhlala phantsi kwaye uqaphele ukuba wenze igalelo lakho nyanga zonke, apho, masithembeke, ayiyi kwenzeka enyangeni uthatha ikhefu ngokukhawuleza, kufuneka wenze ukulungiswa okungalindelekanga okanye ukuthenga into enkulu yetikiti.
Ngaphezulu, ulinganiselwe yimali ovunyelwe ukuba negalelo kwi-akhawunti yomhlala phantsi, njenge-IRA.
Inkalo ye-401k "yokunyanzelwa ngunyanzeliso" ikwavumela ukuba usebenzise amaxabiso edoli. Ukubeka ngokulula, uhlala usebenzisa imali efanayo ukuthenga iziqinisekiso emva kwexesha kwaye oku kuthoba ukunciphisa iindleko eziqhelekileyo zazo zonke izabelo zakho. Iimarike zihlala ziguquka, kodwa ukubeka imali rhoqo nge-401k kukuvumela ukuba uthenge amasheya xa amaxabiso aphantsi kwaye mhlawumbi uya kubuyiselwa emva koko. Ekubeni aba-401k abatyala-mali bathatha inxaxheba kuyo yonke i-paycheck esi siqhinga esilungileyo.
Ukuxhatshazwa kwabaSebenzi: Ukukhuthaza inxaxheba, kwiimeko ezininzi, umqeshi uya kufana nesabelo semali yakho engama-401k. Masithi inkampani yakho ibalingana nama-70% eminikelo yakho engama-401k ukuya kwi-6% yomvuzo wakho. Ukuba wenza i-$ 100,000 kunye negalelo lama-6,000 ayi-6,000 (i-6%) inkampani iya kumisa kwi-$ 4,200. Ngoku le nto ungayifuni ukudlula!
Iimpawu ezilungileyo zokugcina : Ukulondolozwa namhlanje nge-401k kukufumana umkhwa wokuphila ngokukhawuleza. Ngokomzekelo, ukuba wenza i-$ 80,000 kunye negalelo le-20% kwi-401k yakho, uhlala kwi-64,000 yezigidi. (Qiniseka ukuba ubukele umda wegalelo.) Ukuba lo mkhuba wokuphila uza kuhlawula kwiminyaka yakho emva ngokukuvumela ukuba ujabulele ubomi bakho bemivuzo emva kwenkcitho engaphantsi, enokukunceda ukuba imali yakho yomhlalaphantsi ihlale ixesha elide.
Ngoku makhe sithethe malunga nento eyenzekayo xa uyeka ukunikela kwi-401k yakho. Uqikelele - ininzi yezibonelelo ezingentla ziphela.
- Akukho ncitshiseko yokunciphisa imali engenayo.
- Akukho galelo lomqeshi.
- Akukho ukunyuswa kweerhafu kwi-savings yakho eyongezelelweyo yomhlalaphantsi.
- Akuyi kuphinda uhlawule kuqala.
Ukuyeka igalelo lakho ngokukhawuleza kukunciphisa ukukhula kwemali yakho yomhlalaphantsi. Kungakuvakalelwa ngoku ukuba nenkokhelo eyongezelelweyo kwi-akhawunti yakho yokukhangela, kodwa xa ufumana ithuba lokuthatha umhlalaphantsi awufuni ukugcina ubuninzi ngangokunokwenzeka?
Ngoko nini ixesha elifanelekileyo lokuyeka ukuncedisa kwi-401k yakho? Impendulo yosuku oyeka ukusebenza ngalo. Thatha ngokugcwele isicwangciso se-401k sakho somqeshi. Inkqubo efana nale nto ikuvumela ukuba ugcine imali ehlawulwe irhafu kwaye, mhlawumbi, unikeze imali yamahhala ngomdlalo womqeshi unokukubeka endleleni eya kumhlalaphantsi wakho wephupha.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.