Bafana noMnqamlezo phakathi kwePensheni kunye no-401 (k)
Iqela lakho liguqulwe kwisicwangciso-mali sokufumana imali okanye uvele ubeke isikhundla kwaye uza kuwela phantsi kwesicwangciso sokulinganisela imali njengenxalenye yepakethi yakho yenzuzo. Yintoni kwaye kufuneka ugule okanye cha?
Ukuchaza iSicwangciso soLungiso lweCash
Kwakhona kwaziwa ngokuba yiplani yepenshini yemali yempesheni, ibonakala kakhulu njengesicwangciso somhlala-yendabuko apho iqela labaqeqeshi bezolimo lenza wonke umsebenzi kuwe. Awutyalomali nayiphi na imali yakho kwisicwangciso kwaye awunayo ingeniso kwiminqweno yokutyalomali.
Izimpesheni ziqala ukuhlawula malunga nama-65 ubudala kodwa ingaba ngama-55 ngokuxhomekeke kwinkampani.
Esicwangciso sesingeniso semali esiyifumanayo kwimali yomhlalaphantsi isekelwe kwiminyaka yonke yenkonzo yakho kunye nomvuzo wakho kwiminyaka embalwa edlulayo ekhokelela ekubeni umhlalaphantsi. Isicwangciso sokulinganisela imali yakho i-akhawunti yakho ifumana i-kredithi yonyaka ngokusekelwe kumvuzo wakho unyaka ngamnye. Lindela umyinge wama-5 ekhulwini kunye nomyinge wesitya esimiselweyo ngokusekelwe kwibhalansi yakho ye-akhawunti. Kwakhona kufana nomhlala-phantsi, inkampani yakho iya kukunika ingxelo ebonisa ingeniso yakho yenyanga ngenyanga ejoliswe kwi-akhawunti yakho yangoku.
Omnye umehluko obalulekileyo ngumlinganiselo wokuphathekayo. Ngempesheni yendabuko, awuyi kuthatha imali nawe xa ushiya umsebenzi wakho. Uza kufumana umvuzo xa ufikelela kumhlalaphantsi. Isicwangciso sokulinganisela imali siyakuvumela ukuba uthathe imali kuwe ukuba utshintshe iinkampani. Uyakuthi uqokelele imali kwi-IRA ukukhusela izigwebo zerhafu kodwa ubuncinci kuba ngowakho ukutshala indlela ongathanda ngayo.
Ukuba ungumtyalo-mali, mhlawumbi ucinga ukuba izicwangciso ze-balance balance sound like mix mix between pension yemveli kunye ne- 401 (k). Ulungile-kunjalo. Ukuxhamla, umrhumo womqeshi waminyaka yonke yizona zixhobo eziphambili ze-401 (k).
Kutheni Ukhetha Isicwangciso Sokulinganisela Inkcitho?
Kutheni inkampani ingakhetha icebo lokulinganisela imali ngokwempesheni yomdabu?
Mhlawumbi uyazi impendulo-kuba igcina imali. Enye yeyona ndleko enkulu yeendleko zomqeshi ivela kwi-5 yepesenti enegalelo. Ukuxhaswa kwiingxelo ngamnye ngonyaka kunokuba uhlawule ngokusisigxina ngokusekelwe kwiminyaka emibini yedlulileyo yenkonzo yindleko enkulu yokonga imali kumqeshi kodwa ungathini na?
Ukuba unomsebenzi omdala wenkampani, ngelanga mhlawumbi uya kubona i-payout engaphantsi-15 okanye ngaphezulu iqhelekileyo kodwa isekelwe kwindlela inkampani eyenza ngayo i-akhawunti. Ukuba usemncinci kwaye ungena nje kubasebenzi, isicwangciso sokulinganisela imali endaweni ye-401 (k) ingaba isicwangciso somhlala-phantsi esingcono kuba inkxaso yonyaka ivame ukuphakama ngaphezu kwe-401 (k), akudingeki ulawule imali, kwaye ukuba utshintshe iinkampani, unokuhambisa imali kwi-IRA yomntu.
Izinketho zokuhlawula
Uninzi lwezicwangciso zeerhafu zemali ziza neentlobo ezimbini zokuhlawula. Unokukhetha ukufumana iifizi zenyanga eziqinisekileyo ngendlela yokufumana umvuzo wonyaka okanye ufumane isamba semali. Imithetho ye-IRS idinga ukuba izibonelelo eziqhotyoshelwe kwizicwangciso zomhlala-phantsi zifezekise iimfuno ezithile ezenza ukuba zibe bhetele kunomvuzo onokuzithenga wena.
Umzekelo, ngaphandle kwepension okanye iplani ye-balance balance, iinkampani ze-inshorensi zingahlawula umfazi ongaphantsi komntu kuba ulindele ukuba lo mfazi aphile ixesha elide.
Ngenxa yemithetho yokulwa nocalulo elawula izicwangciso zomhlala-phantsi ezixhasiweyo zenkampani, amadoda kunye nabasetyhini mabahlawulwe ngokufanayo. Ngaphandle kwemithetho yocalulo, i-annuality attached to pension will do better kunye nokuqinisekisa ukufumana imali engenayo.
Ukuba ukhetha ukuthatha isamba semali uze uyityhale kwi-IRA, ubeka ingozi ekulahlekeleni inxalenye yebhanki yakho yebhanki ngenxa yeemeko zemarike.
Akusiyo i-Ele Yakho yomhlala-phantsi
Musa ukufumana ingqiqo yecandelo lokhuseleko kwisicwangciso sakho sokulinganisela imali. Iingcali zithi mhlawumbi ufuna enye ingeniso eyongezelelweyo ngesimo se-IRA okanye 401 (k) ukuba uthathe umhlalaphantsi ngokufanelekileyo . Ngenxa yoko, kungcono ukuba uthathe isamba semali uze uvuselele kwakhona xa ufikelela kwiminyaka yobudala kodwa ezo zigqibo zenziwa ngcono ngoncedo lomcebisi wezezimali.
Ufumana Oko Ukufumanayo
Ngaba kukho ithuba lokukhetha phakathi kwe-401 (k) kunye nesicwangciso sokulinganisela imali?
Akunakwenzeka kodwa ezinye iinkampani zinikeza i-401 (k) kunye nesicwangciso sokulinganisela imali kunye nabambalwa baze bafanise ipesenti yakho 401 (k) iminikelo ngaphezulu kwesicwangciso sakho sokulinganisela imali. Ukuba inkampani yakho inikeza ipakethi yenzuzo enhle, cwangcisa ukuhlala ixesha elide.