Funda isiseko sendlela 401 (k) yokusebenzela imali
Isicwangciso sakho asivumelekanga ukuba sivumele iimali-mboleko
Ezinye i- 401 (k) izicwangciso zivumela ukuhoxiswa ngendlela ye-401 (k) mboleko; abanye a ba Kufuneka ukhangele kunye ne-401 (k) isicwangciso somlawuli okanye inkampani yokutyalomali (unokufumana ulwazi lwabo loqhagamshelwano kwisitatimende sakho) ukufumanisa ukuba isicwangciso sakho sikuvumela ukuba uboleke kwi-akhawunti yakho.
Ezinye iinkampani ziya kuvumela iimali-mboleko ezininzi; abanye bangavumeli nanye. Xa umqeshi wakho wamisa i-401 (k) isicwangciso sagqiba ekubeni ngaba isicwangciso sasiza kuvumela iimali-mboleko okanye cha.
Awukwazi ukuboleka kwinqanaba elidala le-401 (k)
Ukuba awusebenzela inkampani apho i-401 (k) isicwangciso sakho ihlala khona, awuyi kuthatha i-401 (k) mboleko. Ungadlulisela ibhalansi kumntu owayengumqeshi kwisicwangciso esitsha se-401 (k), kwaye ukuba isicwangciso sakho somqeshi sangoku sivumela iimali-mboleko ngoko unako ukuboleka apho. Ukuba uwedlulisele i-401 yakho yakudala (k) kwi- IRA , awukwazi ukuboleka kwi-IRAs. Kungcono ukwazi yonke imigaqo ngaphambi kokuba ukhiphe okanye utshintshe i- 401 (k) icebo elidala.
Imirhumo, kungekhona ngoku, kodwa mhlawumbi kamva
Ngexesha othabatha u-401 (k) mboleko ungahlawulisi irhafu kwixabiso elifunyenweyo. Nangona kunjalo, ukuba awuyi kubuyiselwa imali mboleko ngexesha, irhafu kunye nezohlwayo zifanelekile. Ukuba ushiya umsebenzi xa ufumana imali engaphezulu 401 (k) mboleko, ibhalansi yakho yemalimboleko esele iyabelwe ukusasazwa ngelo xesha, ngaphandle kokuba uyibuyisele ngokupheleleyo kwiintsuku ezingama-60.
Ukuba imboleko ayihlawulwa ngokwemiqathango ethile yokubuyisela kunokuba nayiphi na ibal balance balance loan ingabonwa njengezohambisa. Ngaloo nto, kuba yimali engenayo irhafu kuwe, kwaye ukuba awukakho u-59 ½, irhafu yerhafu yokuthotywa kwexesha lokuqala iya kusebenza. Phantse iipesenti ezili-10 zemali-mboleko ingadluli ngenxa yokuguqulwa komsebenzi, kwaye ayinelanga ngokwaneleyo ukuzalisa umboleko.
Indlela abantu basebenzisa ngayo imali ebolekwe 401 (k) imali
Uphando lweBhunga loPhando lwePensheni kwi-401 (k) iimali-mboleko kunye nokungafezeki kubonisa i-40 ekhulwini yemali-mboleko isetyenziselwa ukuhlawula amatyala, iipesenti ezingama-30 zokulungiswa kwindlu okanye ukuphucula, kunye neekhilomitha ezingamashumi amathathu zisebenzisa imali engenasiphelo kwiindawo zokutshala imali. Ukuthatha imali mboleko yokubuyiselwa ityala kuyingozi, njengoko i-401 (k) iimpahla ezikhuselweyo zikhuselwe kubaboleki.
Kukho umlinganiselo omkhulu wemali-mboleko obekwe ngumthetho
Ukuba i-401 (k) isicwangciso sakho sivumela iimali-mboleko, umgaqo-mthetho uthi inani eliphezulu onokuboleka liza kuba ngu-50,000 okanye i-50 ekhulwini ye- akhawunti yakho ebhaliweyo . Ibhalansi yakho egciniweyo i-akhawunti yile mali ekwawe; umzekelo, unokufuneka uhlale nomqeshi wakho umlinganiselo wexesha ngaphambi kokuba umrhumo womqeshi ube ngowakho. Umqeshi angadinga ubuncinane bemali eyi-$ 1,000.
Ingxowa ibuyiselwa ngokutsalwa komvuzo
401 (k) ukuhlawulwa kwemali mboleko kusekwe ngokuchithwa ngokuzenzekelayo kwi-paycheck yakho. Ixesha elide kakhulu lokuhlawula livumelekile iminyaka emihlanu. Uninzi lwezicwangciso zentlawulo zihlelwe njengeentlawulo zenyanga. Ezinye i-401 (k) izicwangciso azikuvumeli ukuba negalelo kwisicwangciso ngelixa wenza imali yokuboleka imali. Enye into ekumele uyibukele: ukuba ulahlekelwa ngumsebenzi ngelixa unesigxina 401 (k) mboleko.
Unokufuna ukuhlawula ngokukhawuleza ibhalansi, okanye umngcipheko wokuba ubekwe kwicandelo njengokwabiwa kwangaphambili.
Uya kuzihlawula umdla
Inzala yemali kwi-401 (k) yakho mboleko imiselwe yimigaqo kwisicwangciso sakho se-401 (k). Umyinge wenzalo ngokuqhelekileyo usekwe njengefomula, efana ne "Prime + 1%". Uhlawula umrhumo kwi-401 yakho (k) ibhalansi yeakhawunti. Nangona kunjalo, ixesha elininzi ixesha elithatha imali engama-401 (k) mboleko lonakalisa ukugcinwa kwakho komhlala-phantsi kwikamva.