Izinzuzo zokuqhawula i-Old Your 401 (k) kwi-Rollover IRA

by UMichael Rubin

Nesi sizathu sokuba ufanele ucinge nge-Rollever ye-IRA xa ushiya umsebenzi wakho

Khawucinge ukuba njengomcwangcisi wokuthatha umhlala-phantsi, uthabathe inxaxheba kwisicwangciso sakho somhlala-phantsi oxhaswe ngumqeshi njengo-401 (k) ekubeni uqale umsebenzi kwaye ubelokhu unika iminikelo kuyo yonke imali yokuhlawula. Kodwa mhlawumbi ngelinye ilanga ufumana elinye ithuba ngomnye umqeshi awukwazi ukunqanda okanye ulahlwe.

Yintoni eyenzekayo kwimali esebenzayo 401 (k) isicwangciso?

Hayi, ngenhlanhla, yonke imali oye waba negalelo isakho. Ukuba ufanelekile kumdlalo womqeshi kwisicwangciso sakho somhlala-phantsi, unokuba namalungelo eminikelo yakho yomqeshi kuxhomekeke kwishedyuli yakho yokuthenga.

Kuyakhuthaza ukwazi ukuba usenakho ukufikelela kwiminikelo yakho kunye nalawo maqumrhu afanelekileyo afanayo. Kodwa unokwenza ntoni nangaloo mali esele kwisicwangciso somhlala-phantsi somqeshi xa ushiya inkampani yakho endala? Okwenene unokhetho oluninzi lokuqwalasela.

Izinketho zeAkhawunti yeRhafu yeMhlalali

Nanini na xa usuphelisa umsebenzi emva kokuba uthathe inxaxheba kwisicwangciso somhlala-phantsi somsebenzi, uza kuba neendlela ezininzi zokwenza ntoni ngexabiso eliqinisekisiwe kule akhawunti. Enyanisweni, kukho iindlela ezine omele uziqwalasele:

Inkcitho ngaphandle kwesiCwangciso
Shiya iMali kwisiCwangciso
Qhubela kwiSicwangciso sakho esifanelekileyo somqeshi
Rollover kwi- IRA

Ukutshatyalaliswa kwiplani yomhlala-phantsi yomqeshi wakho wangaphambili akunakuze kucebise.

Enyanisweni, ukufaka imali kwi-401 yakho (k) yenye yeefayile zethu zokucwangcisa umhlala-phantsi ophezulu omele uziphephe. Nangona ukushiya imali yakho kwisicwangciso sakho somqeshi wangaphambili okanye ukuxhomekeka kwiplani yomqeshi omtsha kokubili zikhetho ezintle, musa ukuyihoxisa ithuba lokufaka imali yakho kwi-IRA rollover.

I-rollover i-IRA ihamba kunye neqoqo layo leenzuzo ezicwangcisiweyo kwaye xa lenziwe ngokufanelekileyo, liqinisekisa ukuba awuyikubangela nayiphi na imiphumo emibi yerhafu.

Yintoni i-Rollover IRA?

I-rollover IRA iyafana ne-IRA yeNdabuko (okanye i-Roth IRA kwimeko yokuhlawula ngaphezulu kweRoth 401 (k) iimali) ngaphandle kokuba imvelaphi yemali ayikho iminikelo yonyaka.

Kunoko, imali eya kwi-rollover IRA yimali kwisicwangciso somhlala-phantsi sangaphambili, njengesiqendu 401 (k). Ukuba awunayo i-IRA, unokuvula enye ngenjongo yokwenza ngaphezulu kwe-401 yakho (k) ngemali ngaphandle kokwenza nayiphi na iminikelo yonyaka (nangona kufanelekile!). Ngakolunye uhlangothi, ukuba unayo i-IRA, uvumelekile ukuhlawula i-401 yakho (k) kwi-akhawunti ye-IRA ekhoyo.

Kubalulekile ukuba uqaphele, nangona kunjalo, ukuba awuyihlanganisi i-IRA yendabuko kunye no-401 (k) imali kunye neRoth IRA kunye neRoth 401 (k) iimali.

Izinzuzo ze-Rollover IRAs

Uninzi lwabantu abanakuzikhethela i-rollover yabo ye-IRA ngenxa yokuba bayonwabile ukuqhubeka nokugcina imali yabo yomhlalaphantsi kwindlela ethile yomqeshi, kodwa kukho izizathu ezimbalwa ezenza ukuba ufune ukukhetha i-rollover IRA nantoni na.

IRA Rollover Benefit 1: Ukuqhutshelwa kweeRhafu eziqhubekayo

Enye inzuzo enkulu ye-IRA rollover kukuqhubela phambili kwerhafu echazwe ngerhafu oyenayo kwi-akhawunti yakho yomhlalaphantsi.

Ukongezelela, akukho ntlawulo inetyala kwi- rollover esebenzayo , nangona i-IRS ibika ingxelo.

IRA Rollover Benefit 2: Ukongezwa kweeNtshukumo zokuTyala

Kwi-401 (k) isicwangciso, ukhetho lwakho lotyalo-mali lugqithiselwe kwiinqunto ezilungiselelwe kuwe kwisicwangciso sakho sokulondoloza kunye nomqeshi wakho. Ngokuqhelekileyo, ezi zikhetho ziwanele, kodwa zincinci kakhulu. Kodwa nge-RRA rollover, ungakhetha ukubeka imali yakho malunga naluphi na utyalo-mali obonakalayo.

IRA Rollover Benefit 3: Imali ephantsi

Ukongeza kwinqunto-mali engancinci, abanye abaxhaswa ngumqeshi-401 (k) izicwangciso zenziwa ngokubanzi ngeemali zokuphatha. Le mirhumo ayaneleyo ukwenza inxaxheba kwisicwangciso esingalunganga, kodwa ukuba unako ukugcina loo mafa asele yomhlalaphantsi akhula ngendlela ekhethiweyo yentlawulo efana neentlawulo eziphantsi, kutheni ongenakwenza?

IRAs zivame ukuba neerhafu eziphantsi, ukuba zikhona, kuxhomekeke apho uvula khona i-akhawunti (njengeziko lebhanki, kunye nomcebisi wezezimali, okanye ibhanki ye-intanethi).

IRA Rollover Benefit 4: Ukunciphisa

Esikhundleni sokugubungela inani lee-akhawunti zangaphambili zomhlalaphantsi emsebenzini apho utshintshe imisebenzi phezu kwekhosi yakho, ukuqhubela phambili kwiiplani zakho kwi-rollover enye IRA iyanciphisa ubunzima. Unokwazi ukubheka isitatimenti se-akhawunti kwaye ubone ibhalansi, ukusebenza kwangoku, kunye nokukhethwa kotyalo-mali obuninzi lwakho lokugcina umhlala-phantsi kwiakhawunti enye.