Izinketho zoMhlala-phantsi zokuSebenza ngokuzimeleyo okanye kwiShishini elincinci
Ukuba uqeshwe okanye unomsebenzi omncinci kakhulu kunye nabasebenzi abambalwa, mhlawumbi unokuningi kwisitya sakho, kulula ukunyanzela umhlalaphantsi wakho. Kodwa kufuneka uzame ukwenza ixeshana kunye nenzuzo ethile ukugxila kwiimfuno zakho ezizayo. Ngethamsanqa, kukho izicwangciso ezimbalwa zokuthatha umhlala-phantsi ezizenzele lula-kwaye zize zihlakaniphe-ukugcina rhoqo. Ukwahluka okubonakala ngathi mncinci kwezi zicwangciso kunokuba negalelo elikhulu kuxhomekeke kwishishini lakho kunye neemfuno zakho ezizodwa. Thatha ixesha ukuthelekisa nokufumana isicwangciso esifanelekileyo kuwe kunye neyeshishini lakho elincinci.
01 SEP IRA
Bona Okuninzi:
I-SEP IRA Imirhumo yemigangatho 2013
02 I- SIMPLE IRA
I-SIMPLE imele ukukhuthazwa kokulondolozwa kwabasebenzi. Esi si cwangciso sokuba ishishini kunye nabasebenzi abayi-100 okanye ngaphantsi bangasebenzisa. Kwaye kuthelekiswa nemveli 401 (k), i-SIMPLE ngokwenene iyindlela elula. Kodwa kuphela ukuba unenjongo yokufanisa iminikelo yabasebenzi bakho. Nge-SIMPLE, abaqeshi banomsebenzi omncinane umrhumo womsebenzi ukuya kuma-3 ekhulwini lomvuzo (ukuba umqeshwa akenzi igalelo, usenokwenza igalelo eli-2 ekhulwini lomvuzo). Umda wokuxhaswa nge-SIMPLE ungaphantsi kwemida evunyelwe kwisicwangciso se-401 (k). Kodwa kwabanye abanikazi bezoshishino, ukulula kulula ukungafani.
Bona Okuninzi:
ISIMPLE IRA Liming Contribution 2013
03 iSolo 401 (k)
Ukuba ungumnikazi wezentlalo, unentsingiselo kungekho nabasebenzi ngaphandle kokuba umlingane, u-401 (k) unjalo kuphela: 401 yakho siqu (k) isicwangciso. Imilinganiselo yeminikelo iyafana nemida yemveli 401 (k) , kodwa ngenxa yokuba uyayiphatha isicwangciso ngokunjalo, unokulinganisa iminikelo njengomqeshi & emdash; ukuya kuma-20 ukuya kuma-25 ekhulwini lomvuzo. Oko kuthetha ukuba unokuba negalelo eliphantse phinda kabini i-401 (k) imida kwimida 401 (k).
Bona Okuninzi:
I-Solo 401 (k) Imida yokuXhawula ngo-2013
04 Keogh Plans
Izicwangciso zeCeogh zisetyenziselwa ukuba ngumdlalo kuphela edolophini ukuba ziqeshwe. Kodwa kwiminyaka elishumi edlulileyo, bashiywe eluthulini nge-SEP kunye ne-solo 401 (k). Enyanisweni, i-IRS ayisayi kubhekisela ku-Keoghs, kodwa isakhiwo esibaxhasayo sisakho. Unokumisela i-Keogh njengempesheni okanye isicwangciso-mali esichaziweyo, apho ubeka khona i-fund yemali yonyaka. Imingcele yegalelo i-$ 210,000 ngo-2014 kunye ne-215,000 ye-2015 ngo-2015, okanye i-100 ekhulwini yembuyekezo, eyenza ibonakale kumsebenzi owenza imali eninzi kwaye ufuna ukugxotha inxalenye enkulu. Unokuyibeka kwakhona njengesicwangciso senkxaso esichaziweyo esisebenza njengama-401 (k), kunye nomda we-$ 52,000 ngo-2014 kunye no-53,000 wamawaka ngo-2015. Kodwa iimaphepha zonyaka ezifunekayo ukuze kugcinwe isicwangciso seKegh senza kube lula kakhulu abanikazi bamashishini.
05 Ziziphi iinkampani ezincinci ezifunekayo kwi-401 (k)
Ngaphambi kokuba ukhethe isicwangciso, ufanele ucele imibuzo eninzi uze ukwazi ukungena kunye nokuphuma kwiplani kunye neendleko ezihambelana neendleko. Kubaluleke ngakumbi ukuba unabasebenzi. Nazi iimbuzo ezintandathu zokubuza 401 (k) umlawuli.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.