Indlela yokukhetha indawo engcono yokuhambisa i-401 (k) okanye iSicwangciso soMhlala-phantsi
"Ndicinga ukuba uhlala nje kum msebenzi wam," watsho.
"Ngoko inkampani yakho yangaphambili iya kuqhubeka nokuyilawula?" Ndibuzile.
Waphendula wathi: "Andizi." "Ndandicinga nje ukuba kwakuya kwenzeka.
Ngexesha lokugqibela ndashiya umsebenzi ndimele ndikhathele ngenxa yokuba andinayo ininzi apho. Kodwa ndinezinto ezininzi ezilondoloziweyo ngoku, ngoko ndacinga ukuba ndiyakushiya apho. "
Ndiyavuya ukuba ndibuze, kuba xa kufikelelwe kwisicwangciso sakho somhlalaphantsi, awufuni ukucinga. Ukuba awuqinisekanga ukuba kwenzekani nomqeshi oxhaswe ngumqeshi, isicwangciso sempesheni yomhlalaphantsi xa ushiya inkampani, kufuneka ufumane. Ngaphandle kokuba umqeshi wakho wangaphambili engacingi ukuba uqhubeke nokulawula imali yakho, kufuneka wenze isigqibo kwisithuba seentsuku ezingama-60 okanye imali kwicebo uza kuhanjiswa ngokuzenzekelayo kuwe okanye enye i- akhawunti yomhlalaphantsi . Ingaba ushiya umsebenzi ngenxa yokunyuka kweenkampani, ukuchithwa, ukudubula okanye ukuguquka kwendlela yokuphila, inkampani kufuneka icace ngokucacileyo malunga nokufuneka uyenze ngesicwangciso sakho somhlalaphantsi. Kuwe okumele ukwenze ngokulandelayo.
Izinketho zoMhlala-phantsi xa Utshintsha Imisebenzi
Xa ushiya umsebenzi, unokwenza izinto ezininzi:
- Unokushiya imali kunye nomqeshi wakho wangaphambili - Abanye abaqeshi baya kuvumela le nto ukuba unayo imali engaphezulu kwe-5000. Abanye baya kukunyanzela ukuba uhambise imali kwisicwangciso kwisithuba seentsuku ezingama-60 okanye baya kukuhambisa. Ukuba umqeshi wangaphambili uvumelekile ukuba ugcine imali yakho kwi-akhawunti, usenokufuneka ujongane nendawo ethile. Shiya isicwangciso emva kwayo yonke imisebenzi kwaye ekupheleni komsebenzi wakho ungaqhubezela kunye ne-401 (k) ethuneni elizaliswe ngotyalo-mali olunyanisekileyo olubeka i-portfolio yakho yonke . Ngaphandle kokuba ukhetho lwama -401 (k) lusemangalisa ngokukodwa ukuba alukwazi ukufumana kwenye indawo, kufuneka ube nesicwangciso sexesha elide lokuhambisa loo mali. Kukho izizathu zokuqwalasela ukushiya isicwangciso sakho somhlala-phantsi kunye nomqeshi wangaphambili kuquka ukuchaneka kunye neendlela zokutshala imali, iimali ezingaphantsi, ukuhlukana kwemigaqo yenkonzo, ukukhokelwa kweengcali kunye nokukhuselwa kumacala omthetho.
- Unokuhambisa imali ngqo kwisicwangciso somhlala-phantsi somqeshi wakho omtsha - Abaqeshi abaninzi baya kunika ithuba lokucwangcisa icebo kwi-401 (k) okanye esinye isicwangciso somhlala-phantsi esifanelekileyo . Njengoko uhambisa izakhono kunye namava akho kumsebenzi omtsha, ususa isidleke sakho somhlala-phantsi . Akukho miphumo yerhafu okanye izigwebo ezihambayo, kwaye umqeshi wakho kufuneka anikele imiyalelo ukuhamba nawe. Oku kunokuba yinto elula kakhulu egcina ingxaki yakho yokugcina imali, nje ngokuba uthanda ukukhetha utyalo-mali kwisicwangciso esitsha. Kwakulungile ukuqala u-401 omtsha (k) nge-good balance, enempilo. Yaye ukuba umqeshi wakho unikezela ngemali-mboleko, unesitya esikhulu semali ekhoyo kuwe (nangona imali-mboleko engama-401k ayinyanzeliswayo ).
- Unokuhambisa imali kwi-Rollover IRA kwaye ukhethe utyalo lwakho - i-Rollover IRA yi-akhawunti ovulekileyo yindawo yokudala yama-401 (k) kunye nezicwangciso zomhlalaphantsi. Ukuba uthetha ukuhamba emsebenzini ukuya emsebenzini njengoko ukhuphuka kwinqanaba lomsebenzi, i-Rollover IRA yinto enhle. Xa wenza i- rollover ngqo , akukho miphumo yerhafu okanye iintlawulo zerhafu ezibandakanyekayo. Kwaye i-Rollover IRAs inikeza ukhetho olungapheliyo lokutyalombela ukukhetha ukusuka-kubandakanywa izitokisi , iibhondi , iimali eziphathekayo , ii-ETFs , kunye ne- real estate-into enokuyifuna. Ngaphazamisekanga, awuyi kuphinda ube negalelo eliqhelekileyo kule akhawunti, ukwenzela ukuba i-akhawunti ilahlekelwe yinto encinane. Nangona kunjalo, ii-Rollover IRAs ziguquguqukayo, unako ukuhlawula i-asethi kwisicwangciso somqeshi esizayo.
- Unako ukuthatha i-401 (k) imali kwaye usebenze- Oku kubizwa ngokuba yi-distribution sum, kwaye ngokucacileyo kuyona nto ikhethileyo . Ngesinye sezizathu, uya kuthatha ngokukhawuleza uthathe irhafu yentlawulo ye-20% kwaye ukuba ungaphantsi kwe-59 ½, uya kuhlawulwa i-penalty 10%. Ukuqwalasela ibhakhti yakho yentela kunye neentlawulo zorhulumente kunye neentlawulo zendawo, unokulahlekelwa yicandelo lokulondoloza kwakho. Ukuba oko akubi kakuhle, ulahlekelwa ngumlinganiselo wokulondoloza owenayo kwisicwangciso somhlala-phantsi, kunye nexesha elichithe ukukhulisa imali.
Kuthiwani Ukuba Awuwenzi Naliphi Lezi zinto?
Ngokwe- Internal Revenue Service , ukuba ibhalansi yakho yokugcina imali ingaphantsi kwe-$ 5000, umqeshi wakho akadingi imvume yakho ngaphambi kokuhambisa imali kwicebo. Nangona kunjalo, ukuba kukho ngaphezulu kweedola 1000 kwisicwangciso sakho kwaye awukhethi enye uhlobo lokuhambisa, umlawuli wakho wecebo kufuneka ahambise imali kwi-IRA.
Lo ngumgaqo omtsha, kwaye unceda abatyali-mali ukuba bahlale bezinikele kwisicwangciso sabo sokugcina umhlalaphantsi.
Ukuba i-401 (k) ibhalansi ingaphantsi kwee-1000 zamawaka, unokwenza ngengozi uthathe isamba semali ngaphandle kokuyiqonda. Unokucinga ukuba i-$ 1000 ayikho into enkulu. Kodwa ngemilingo yokuhlanganiswa , i-$ 1000 ingakhula ngokukhawuleza ukuba uqhubeka nokwakha phezu kwayo ngeminikelo eqhubekayo phakathi kwe-6% kunye ne-10% yomvuzo wakho ongaphambili .
Ukuba ufumana ukusabalalisa i-sum sum sum kodwa ungaphantsi kweentsuku ezingama-60 zokuphelisa isicwangciso sakho esidala, unako ukufaka imali kwisicwangciso somqeshi okanye uRollover IRA. Kufuneka unakho ukufaka ibango nayiphi na irhafu okanye izigwebo ezihlawulwe kwi- tax return yakho . (Kunengqiqo ukuxoxisana nale ngxowa yerhafu ngaphambili). Emva kokuba iintsuku ezingama-60 zidlulile, i-IRS ithi ukuxolelwa kuphela okuza kuqwalaselwa kwimeko apho iziko lemali lalishukumisela imali ngokungafanelekanga.
IiNkcazo ezininzi , enye iPortfolio
Ukuba ugcina utyalo-mali lwakho usebenza kwiingxelo ezahlukeneyo, zinike umfanekiso opheleleyo malunga nendlela utyalo-mali lwakho lusebenza ngayo. Ufuna ukugcina iphothifoliyo yakho ngokulinganayo ngelixa ugweba utyalo-mali obuninzi okanye iindleko ezigqithisileyo.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.