01 Ingakanani Ukunikela
Kulula ukucinga ukuba kufuneka ube negalelo kwi-401 yakho (k) isicwangciso kwaye kufuneka ube negalelo kangangoko kunokwenzeka, kodwa oku akunjalo. Kukho amaxesha apho kunokuba kunengqiqo ukungafaka isandla. Kufuneka uqwalasele ezinye izicwangciso zokulondoloza, ukufumaneka komdlalo wenkampani, kunye neerhafu.
Umgaqo olula onjenge "ukufaka ipesenti ezili-10" yomvuzo wakho awusebenzi kuwo wonke umntu. Oku kungenako okwaneleyo kumnikeli ongeniso eliphezulu kwaye kungase kube yindlela eninzi kumthengi ophantsi. Ngexesha elifikelela kuma-55, kufuneka uqiniseke ukuba imali oyilondolozayo ifanelekile imeko yakho. Ukuba awuqinisekanga ukuba uninzi kangakanani ukunikela ngexesha lokufumana umcwangcisi womhlalaphantsi ukukunceda ukuba uyifake.
02 Indlela yokuTyala
Uphando lubonisa ukuba abantu bachitha ixesha elide behlela ikhefu okanye bethengisa iTV entsha kunokuba bayenze ngokukhetha 401 (k) utyalo-mali. Yikes! Kwaye abanye bakho ngokungahambiyo bacinga ukuba xa uzama ukwenza ixesha elilahlekileyo, mhlawumbi kufuneka uthabathe umngcipheko kwaye utyalo-mali. Ayikho imbono efanelekileyo.
Iyiphi indlela efanelekileyo yokutshala le nxalenye yeqanda lakho lesidleke? Ukuba awuqinisekanga ukuba wenzeni iindlela ezintathu ezingenangqiqo zokutyalomali 401 (k) iimali ; sebenzisa imali yosuku lokujolisa, iimali ezilinganisiweyo, okanye iipotifoliyo zemizekelo. Ezi zikhetho zizenzele ngokungafaniyo imali kwaye zigcine ubudenge bokukhetha kuphela imali ebenokubuyisela ephezulu kunyaka ophelileyo. Utyalo-mali ngokusekelwe kwimbuyiselo eyadlulileyo akuyona indlela eqondekileyo.
03 401 (k) Ukutya kunye noko kuthetha ntoni kuwe
Ukuba uqwalasela utshintsho lomsebenzi okanye umhlala phantsi ngaphambi kokuba unqume ukuba wenze yintoni utshintsho, funda kwi- 401 (k) . Ukukhangela kubhekisela kumlinganiselo ongakanani wama-401 (k) imali umqeshi wakho abe negalelo egameni lakho ehamba nawe. Ngamanye amaxesha ukulinda iinyanga ezimbalwa ukwenza utshintsho kunokuthetha ukuba ufumane ngaphezulu.
Mhlawumbi unyaka ngamnye inkampani yakho yenza inxaxheba yenkxaso-mali kodwa kufuneka uqeshwe ngomhla wokugqibela wonyaka ukufaneleka. Oku kuya kufuneka ukwazi ngaphambi kokuba uthathe umhla wakho womhlalaphantsi. Thatha ixesha lokufunda oko kufuneka uyenze ukuze ufaneleke kangangoko kunokwenzeka!
04 Yintoni Okumele Uyazi Ngaphambi kokuba Ulahle Imali Yakho 401 (k)
Abantu benza iimpazamo ezinkulu zemali xa bekhupha i-401 (k) isicwangciso . Unokucinga ukuba yinto efanelekileyo ukuhlawula isicwangciso esidala sokuhlawula ityala, kodwa mhlawumbi kungenye yezinto ezimbi kakhulu ongayenza. Ngoba? Ngaba uyazi 401 (k) imali umboleki-mali ukhuselwe? Ngokufaka imali ngaphakathi kwakho kunokukhupha lo khuselo.
Kukho 401 ehlobene neminyaka (k) nemithetho yokuhoxisa ukumazi. Zininzi izicwangciso zinikezela ukurhoxiswa kweentlawulo eziphakathi kwe-55 no-59 1/2 kuphela-kuphela xa uhlala phantsi emva kokufikelela kuma-55 kwaye ukuba imali yakho ihlala kwisicwangciso. Ukuthatha imali ngaphandle kwesi sicwangciso kungayiphumeli le ndlela yokufikelela kwi-penalty-free.
05 Yintoni eyenzekayo kwi-401 yakho evelele (k) Imali?
Ukuba ushiya umqeshi kwaye ube ne- 401 ecacileyo (k) umbolekiso weprojekthi uyazi ukuba yonke imali mboleko ingaphathwa njengokwabiwa kwawe kwaye ibike njengenisola ehlawulwayo? Iirhafu zesohlwayo nazo zingasetyenziswa. Musa ukuvumela oku kwenzeka.
Uya kufuna ukusebenzela ukuhlawula nayiphina imali mboleko ngaphambi kokuba uthathe umhlalaphantsi okanye utshintshe abaqeshi.
06 Indlela yokuthatha imali ngaphandle kwesiCwangciso
Imali yakho, kwaye kufuneka ukwazi ukuwusebenzisa xa ixesha lifika. Imithetho eyahlukeneyo isebenza ngokuxhomekeke kwiminyaka yakho kunye nendawo yakho yengqesho. Umzekelo, njengoko kuchaziwe ukuba ushiya imali yakho kwisicwangciso, kodwa ushiye umqeshi wakho phakathi kweminyaka yobudala engama-55 no-59 ½, unokukwazi ukufikelela kwi-401 (k) ngemali ngaphandle kokuhlawula i-10 yepesenti yentlawulo yerhafu yokuqala. Ukuba uyayifaka kwi-IRA uza kulahleka le ndlela.
Hlola zombini i-pros and cons to taking money out of your 401 (k) isicwangciso ngaphambi kokuba uhambe. Kwiimeko ezininzi (kodwa kungekhona zonke) ndicinga ukuba ukuxhaswa kwemali kwi-IRA inokwenza ingqiqo njengoko ikunika uluhlu olubanzi lweendlela zokutshala imali, iindlela ezininzi zokurhoxisa (i-401 (k) izicwangciso akukuvumeli ukuba uthathe umrhumo wenyanga ngenyanga ) kunye ne-IRA kulula ukuphatha izinto zokuphatha njengeenguqu zedilesi, utshintsho lwabaxhamli, kunye neemfuno ezifunekayo xa ufikelela kwiminyaka yobudala engama-70 / 1/2.