Kukho ixesha eliqhelekileyo ukuphambanisa ukuthatha i-401 (k) Inkcitho ngokumalunga nomhlalaphantsi wakho
1. 401 (k) Iingxowa-mali ziqhelekileyo Iingcamango ezimbi kakhulu
Ukuba unesitshixo kwaye ufuna imali ngokukhawuleza, imbono ye-401 (k) mboleko ingabonakala. Esikhundleni sokuhlawula inzala ephindwe kabini kwenkampani yekhadi lekhredithi, unakho ukuhlawula umdla ngokwakho, ukunikela ngokuthe ngqo ngemali engaphezulu kwisicwangciso sakho somhlalaphantsi.
Kukho iimbamba ezimbalwa, nangona kunjalo.
- Ukuba ulahlekelwa yinto yonke kwaye kufuneka uvakalise ukuchithwa, ngokuqhelekileyo, i-assets plan yakho yomhlala phantsi, njenge-401 (k), 403 (b) , i-IRA yeNdabuko , i- Roth IRA , i-SEP-IRA kunye ne- IRA elula ikhuselwe. Cinga ngezi zinto njengeendawo ezikhuselekileyo, okanye iibhokisi ze-lock, ababolekiweyo abanomdla kunzima. Ukuba uqala ukuhlawula i-401 yakho (k) ukuzama ukugcina ikhaya lakho, ukuba imali yinto efanelekileyo kubabolekisi xa ikhutshwe kwi-akhawunti ngendlela yokuhoxiswa ngokukodwa okanye mboleko.
- Ukuba ulahlekelwa ngumsebenzi wakho okanye utshintshe abaqeshi, yonke i-401 yakho (k) ibhalansi yemalimboleko ihlawulwe kwiintsuku ezingama-60. Ukuba awukwazi ukuyibuyisela, imali iyaphathwa njengokurhoxiswa. Uya kuhlawulisa zonke iirhafu zerhafu kunye ne-state kuwo, kunye neerhafu ezongezelelweyo zeerhafu ezi-10 xa uneminyaka engama-59.5 ubudala. Uya kuba nethamsanqa ukuba ushiywe ngo-50 ¢ ukuya ku-70 ¢ kwi-dollar, oku kuthetha ukuba uza kufumana ibhilikhi enkulu yerhafu ngeli xesha ufumana ngaphandle komsebenzi!
2. Akuyiyo yonke i-401 (k) Izicwangciso Zikuvumela ukuba uthathe i-401 (k) Inkcitho
Ngoxa umyalelo uvumela iinkampani ukuba zinikeze i-401 (k) iimali mboleko kwiiplani zazo, akufuneki ukuba zenze njalo. Enyanisweni, abanye abaqeshi bayaphikisana ngokupheleleyo nembono yonke ye-401 (k) mboleko ngenxa yokuba abaphathi okanye abanikazi bakholelwa ukuba i-asethi yomhlala-phantsi kule akhawunti kufuneka ibe yingcwele njengempahla yomhlalaphantsi; ibanjwe ngaphaya kokufikelela kunye nendlela yokulingwa.
Ukongezelela, omnye umqeshi uceba kuphela ukuvumela 401 (k) imali mboleko ngeenjongo ezithile, njengokuthenga ikhaya okanye ukuhlawula iindleko zonyango.
Ngexesha elide lokubuyela emva kuka-2008-2009, kwakungeyinto engaqhelekanga kum ukuba ndifumane iileta ezivela kubafundi abanomsindo, ndibuze ukuba bangayenza njani ngolu hlobo. Uninzi lwexesha, aba bantu babehlala ngaphaya kweendlela zabo kwaye ngoku bafumene abakwazi ukwenza iitaliti zetyala lokuthenga ngetyala okanye bahlawula imali yabo. Esikhundleni sokuba yingqiqo nokuvakalisa i-bankruptcy okanye ukungena kwi-foreclosure, babefuna ukuhlasela i-401 (k) kwiimpahla zabo ngokwenza ngokukrazula ngokuthe ngqo, okuza kubangela irhafu yengeniso rhoqo kunye ne-10 yentlawulo yerhafu yecala kulabo abangaphantsi kweminyaka engama-59.5 ubudala , okanye ukuthatha i-401 (k) mboleko.
Abafuni ukunikela imali yabo kwi-IRS, abaninzi banqwenela ukuba bafumane i-plan yenkampani ngaphandle kokufumana i-401 (k) imali-mboleko kule nkalo - ukukhusela abantu ukuba baxhomekeke kwikamva labo lokuhlawula namhlanje. Abanye bandibhale ukuba babuze abaqeshi babo, baqiniseke ukuba lo mkhuba wawungekho mthethweni! Xa ndachaza ukuba unalo ilungelo lokuboleka kwiifa zakho zomhlala-phantsi, kuphela ukhetho ukuba umqeshi wakho wenza inxalenye yezicwangciso zeempendulo zabo, baqiniseka ukuba yindlela enye yokuba "inkqubo" yabalimaze, nangona babeyizitha zabo ezimbi.
3. I-Maximum 401 (k) Imali-mboleko ingaphantsi kwama-50,000 okanye ama-50 ekhulwini kwi-akhawunti yakho
Nangona unezigidi kwizigidi zeedola kwi-akhawunti yakho yomhlalaphantsi, ubuninzi bee-401 (k) mboleko onokuyithatha ingaphantsi kwama-50 ekhulwini le-akhawunti yakho okanye i-$ 50,000. Akukho zikhethi. Ukuba intsapho yakho ingeniso kakhulu, leyo ayiyi kukukwenza okuhle.
4. Umcwangcisi wakho weNkqubo uLawula iNzala yeMali ehlawulwe kwi-401 yakho (k) Inkcitho
Xa uhlawula imali ebolekwe kwisicwangciso sakho somhlala-phantsi, kufuneka uhlawule umdla. Enyanisweni, inzala iyakhokhelwa, oku kuthetha ukuba kukho ukudluliselwa kwelinye ipokhethi ukuya kwelinye ngaphandle kweendleko zangempela, kodwa kufuneka ufike ngekheshi. Ngelishwa, awuyi kulawule izinga lentengo; isicwangciso esixhasayo.
5. UMthetho usungula i-Period yokuhlawula nayiphi na i-401 (k) Imali
Xa uboleka kwi-akhawunti yakho ye-401 (k), kufuneka ubuyisele imali, inomdla, ngaphezu kweenyanga ezingama-60.
Ixesha elinaminyaka emihlanu linokwandiswa kubantu abasebenzisa imali eboleweyo ukuthenga indawo yokuhlala yokuqala, nangona kunjalo kwiimeko ezininzi, i-401 (k) mboleko ayiyi kuba yinto ekhangeleka njengemali yemboleko yemveli ebhankini lendawo.
Konke Kuzo zonke, Yithi Hayi ku-401 (k) Imali
Nangona i-401 (k) isicwangciso sinokuba yindlela enkulu yokugcina umhlalaphantsi, ukwakha ubutyebi ngeminyaka yerhafu-intsebenziswano, ukukhipha imali kwi-akhawunti kwangaphambili ingaba yimpazamo enkulu, nokuba uzimisele ukubuyisela imali.