401 (k) Iingxowa zineenzuzo kunye neziNzuzo
Kubalulekile 401 (k) Iinkcukacha zokubolekisa
Nangona i-401 (k) iiplani zibonelela ngemali-mboleko, into yokuba ukhetho lunikezelwa akuthethi ukuba kufuneka uthathe ithuba lokuqala lokulusebenzisa. Enyanisweni, kwiimeko ezininzi zithatha imali-mboleko kwi-401 yakho (k) ayiyona isisombululo esona sisisombululo kwaye eso sibizwe ngabaninzi "njengeyokugqibela". Kodwa njengokuba kunjalo ngezigqibo ezininzi zezezimali, zikho izizathu zokuba uboleka kuwe u-401 (k) mboleko inengqiqo.
Ukuba ucingisisa imali engama-401 (k) mboleko, qiniseka ukuba uyazi imithetho kwaye uqonde iimeko ezintle kunye nokungahambi kakuhle kwe-401 (k) mboleko ngaphambi kokuba ungene kumgca otywebileyo. Ngaphambi kokuba uqalise, zilapha izinto ezi-9 ezazi malunga ne-401 (k) mboleko (okulungileyo, embi, nokungathathi hlangothi).
1. 401 (k) Imali-mboleko ibole imingcele
Ngokuqhelekileyo, unokuboleka imali engaphantsi kwama-50,000 okanye isiqingatha kwisicwangciso sakho somhlala-phantsi. Ukwamkela imboleko, kufuneka uvumelane ngokuqhelekileyo ukuba uqale ukuhlawula umboleko ngokukhawuleza ixesha lakho lokuhlawula.
Ngokuqhelekileyo, oku kwenziwa ngenkqubo efanelekileyo yokuchithwa ngokuzenzekelayo kwi-paycheck yakho.
2. 401 (k) Imali-mboleko Inemiqathango emide
Ngaphandle kokuba usebenzise imali ukuze uzuze ikhaya, kufuneka uhlawule umboleko kwiminyaka emihlanu okanye ngaphantsi. Ukuba uboleka imali ukuze uthenge indawo yokuhlala, ubude bemboleko bungase bude kakhulu, kodwa qiniseka ukuba uqaphele ingozi yokupheliswa kwezantsi.
3. 401 (k) Imali-mboleko Musa ukufuna i-Credit Check
Akukho tshenkethi yokukhangela iya kwenziwa xa ucela i-401 (k) mboleko kuba awuyiboleki imali . Endaweni yoko, uthayipha okwethutyana imali yakho yomhlalaphantsi . Ekubeni akukho nkampani ekhangela imali, akukho mfuneko yokujonga ityala lakho. Kodwa oko akuthethi ukuba awuyi kuhlawula umdla.
4. 401 (k) Imali-mboleko inemivuzo yokuKhuphisana
Kungakhathaliseki ukuba umlinganiselo wakho wekhredithi , uya kuhlawula umyinge wezinga lomncintiswano kwi-401 (k). Ireyithi idla ngokuhlala kummandla wezinga lokubaluleka, elihambelana nemirhumo yemboleko yabathengi. Eyona nto ingcono, uya kuhlawula inqununu yemboleko kunye nomdla , ngokwakho, kungekhona kwibhanki okanye nakwezinye iziko lemali. Imali yonke yokubuyiswa kwemboleko ibuyele kwi-akhawunti yakho ye-401 (k).
5. 401 (k) Imali i-Low okanye ayikho Imali yokufaka isicelo
Ekubeni i- 401 (k) mboleko ayikho imali ebolekileyo, nayiphi na imali yokufaka isicelo iyancinci. Nangona kunjalo, ukuba isicwangciso sakho sinomrhumo wokuvela kwesi sihlandlo siya rhoqo kwisicwangciso somlawuli kwaye ungabuyi kwi-akhawunti yakho. Izicwangciso ezininzi zihlawuliswa kunye nemali yokuvela kwi-$ 75 ngemboleko. Oku kuthetha ukuba xa uboleka i-$ 1,000 ulahlekelwa ngu-7.5% ngokukhawuleza. Ngoko kubalulekile ukunyamekela iindleko ezipheleleyo zemboleko xa kukho imvelaphi okanye iifom zicelo.
6. 401 (k) Isiphumo soMvuzo kwiNgxowa-mali yokuLawula imali
Umntu wakho obolekelwe 401 (k) imali ayiyi kutyalomali ngomhlala-phantsi yakho yonke ixesha imali evelele kwi-401 (k) isicwangciso. Ngoko ke, ulahlekelwa yonke inzuzo yotyalo-mali ovela kuyo yonke imali eboleweyo ngexesha lakho 401 (k) mboleko. Kodwa mhlawumbi mhlawumbi unempembelelo, ulahlekelwa yintlawulo kwi-interest component. Ngoko khumbula, xa uboleka kwi-401 yakho (k), uboleka kwi-siqu yakho kwaye nangona uhlawula inqununu kunye nomdla, mhlawumbi awuyi kuphinda uphule nakwiqondo lokulahleka kotyalo-mali ngexesha uhlala phantsi .
7. 401 (k) Imali-mboleko ihlawulelwa ngemali emva kweNtela
Ngokungafani ne-401 yokuqala (k) iminikelo enokuthi ihlawulwe irhafu, xa uhlawula imali yakho 401 (k) mboleko, wenza njalo ngeerhafu zerhafu (okanye emva kwerhafu) .
Ngenxa yoko, ukuhlawulwa kwemali-mboleko yemali eyi-100 kunciphisa i-pay-home pay by $ 100. Okubi kakhulu, xa uthabatha imali yakho kwi-401 (k) isicwangciso ngexesha lomhlalaphantsi, uya kuhlawula irhafu ngemali efanayo.
8. 401 (k) Imigaqo yokubolekisa ixhomekeke kwiNgqesho
Kukho umngcipheko wangempela kunye no-401 (k) imali-mboleko engabininzi abantu abayayaziyo, ingozi yokuyeka umsebenzi. Isizathu sokuthi ukupheliswa kukubeka umngcipheko ukuba imimiselo ye-401 (k) imali-mboleko ixhomekeke kwiimeko zakho zengqesho kunye nomqeshi. Kungakhathaliseki ukuba yintoni isizathu, ukuba uyeka ukusebenza kunye nomqeshi wakho wangoku, yonke imali eseleyo yokubolekisa iya kuhlawulwa ngedatha yokugqibela yokufaka irhafu (kubandakanywa nezandiso). Ngaphantsi komthetho wokubuyisela umyalelo we-401 (k) ukuboleka imali kwakufuneka kwenzeke kwiintsuku ezingama-60 zokushiya umsebenzi. Ngethuba xa ungeke ukwazi ukuhlawula ibhalansi yemboleko ngexesha lexeshana elikhawulezayo, yonke imali ongenakukwazi ukuhlawula ibonwa njengokusasazwa, okungenzeka ukuba ixhomekeke kwingxowa-mali yerhafu eninzi , irhafu yengeniso yelizwe kunye nokusabalalisa kwangaphambili zihlwayo .
9. 401 (k) Imali-mboleko isesimweni esilungileyo kunokuSasazwa
Nangona i-401 (k) mboleko ineentlobo ezithile, iimfuno zayo eziphambili kufuneka ziphetshwe ngaphandle kwexesha lokwenyuka kwezemali. Abaninzi abacwangcisi bezezimali bacebisa abantu ukuba benze njengokuba imali yabo yomhlalaphantsi ikhulile. Kuhlala kukulungele ukulungelelanisa imali engxamisekileyo yemali kunye neengxamiseko zemali okanye i-inshorensi. Sekunjalo, ukuba yakho enye imvelaphi yemali kwiimeko eziphuthumayo zezona zinto zenzeke ngokukodwa 401 (k) imali, i-401 (k) mboleko iyinto ekhethiweyo. Oku kungenxa yokuba ukuba ngaphandle kokuba unqanyulwe ngexesha lobomi bemboleko, unokuphepha ukuhlawula irhafu yengeniso kunye nezohlwayo oza kuzihambisa. Qaphela nje ukuba ukulungeleka kwe-401 (k) inketho yokuboleka inemiphumo ethile yokuqwalasela.