Kubalulekile ukuphonononga ukutyunjwa kwabaxhamli.
Kutheni kuhlaziywa iMicrosoft Benefits?
Abantu abaninzi bayakuhoxisa ukuhlaziya abaqeshwe abaxhamliweyo emva komtshato, umtshato okanye enye inguqu kwiimeko zabo zentsapho.
Kulula ukulibala ukwenza oku, kwaye kunjalo, kubandakanya iphepha, kwaye ngubani othanda iphepha?
Ingxaki ngale nto; ukuqeshwa kwabaxhamliweyo ngumqulu obophelela ngokomthetho, kwaye uyaphakamisa intando yakho. Oko kuthetha ukuba kungakhathaliseki ukuba ulwalamano lwakho lwangoku, kwaye kungakhathaliseki ukuba lakho lithetha ntoni ngoku, i-asethi iya kuya kumntu ogama lakhe kwisiqeshiso somxhamli xa usuhlaziya ngokutsha.
I-Benefrey Designation Trump Intando
Abanye abantu bacinga ukuba ukuthanda ukuhlaziywa yiyo yonke into oyifunayo. Ukuthanda okanye ukuthembela kwakho akuyi kukugqithisa into ebizwa ngokuba ngumntu oqeshwe ngabaxhamli kwi-inshorensi yobomi bomshuwalense, i-annuity, okanye i-akhawunti yomhlalaphantsi (njenge-IRA okanye 401 (k) isicwangciso). Ukuqeshwa kwabaxhamli baqala phambili, okanye omnye umdlali we-poker uyifake "utyunjwa loxhamli luza kuthanda." Yaye ukuba ungabizi mntu kwi-akhawunti ye-IRA? Imithetho kaRhulumente inokukwazi ukuba ngubani oya kuyo. Ngenxa yoko, kubalulekile ukuba ubuyekeze izikhundla zakho ezixhamliweyo ukubonisa iimfuno zakho zangoku.
Umzekelo woCwangciso luye lubi
Ndasebenza nomxhasi umfazi osebenza kwinkampani enkulu yokukhusela kazwelonke. Yayingumtshato wesibini, kwaye xa wagula ngumhlaza oqatha, wayenokholo oluthile. Wayefuna ukuba abantwana bakhe babini kunye nomyeni ngamnye bafumane enye yesithathu yezinto zakhe. Nangona kunjalo, akazange ahlaziye utyunjwa lwakhe loxhamli kunye no-401 (k) isicwangciso kwaye i-akhawunti eyomeleleyo yonke iya ngqo kumyeni.
Wayefuna ukuhlonela umnqweno wakhe (ngenhlanhla ngenxa yezingane ezisuka kumtshato wakhe ngaphambi komtshato), kodwa ukuba wahlawula kwi-401 (k) kwaye wayihlawula kubantwana uya kufuneka abike yonke ingeniso kwimbuyekezo yakhe yentela. Yena kunye nabantwana bakhe bathatha indawo yokumisela i-IRA egameni lakhe, kodwa kunye nezingane ezibizwa ngokuba ngabaxhamli, kwaye bavumelana kunye nesabelo ngasinye esenza kubo unako ukugodla ngokwaneleyo ukuhlawula irhafu. Oku kwavela ngokufanelekileyo, kodwa kuya kuba yintlekele yokulawula eqhubekayo iminyaka. Olu hlobo lwenkunkuma luye lwaphetshwa ngokuhlaziya ifom yokufumana umhlala-phantsi yomqeshi womfazi. (Qaphela: umqeshi akanakho ukhetho - kufuneka alandele ifom yokufowunelwa kwifayile kwaye akakwazi ukutshintsha ukusasazwa emva kokufa nangona onke amaqela avuma ukutshintsha.)
Indlela yokuHlola iIndwendwe eziNcedisayo
Yenza uludwe lweakhawunti nganye yomhlala-phantsi, umgaqo-nkqubo womshuwalense wobomi, kunye nonyaka onayo. Yongeza iikholomu ezimbini kwoluhlu lwakho; omnye ngomzuzwana omnye ngomhla. I-akhawunti nganye okanye umgaqo-nkqubo ubhale phantsi umxhamli kunye nomhla ekugqibeleni ukuhlaziywa ngawo. Ukongezelela kumxhamli oyintloko, kufuneka ubeke igama lomxhamli . Oku kuthetha ukuba umxhamli oyintloko uyakudlulisela phambili, sele usuxelele ukuba ngubani omele ayenze akhawunti.
Gcina olu luhlu kwi-binder okanye kwifolda ifayile kunye namanye amaxwebhu abalulekileyo. Kungakhathaliseki naluphi na utshintsho, yenze umkhwa wokukhenkcela le nxalenye ngonyaka kunye nokuphonononga ulwazi kulo.
Ukuba ufuna ukuhlaziya umxhamli, qhagamshelana nenkampani. Bakukuthumela ifomu yokutyunjwa okuza kuxhamla okuza kuyidinga ukuyizalisa, isayine, kwaye ubuyele kubo.
Kuthiwani NgeTrust?
Abantu abaninzi basungula ukuthembela okuphilileyo , okulawula zonke iimpahla ezibekwe kwi-trust. Ngokomzekelo, unokuthi ubhale iibhanki zebhanki, ii-akhawunti zezobalo-mali kunye ne-real estate kwi-trust. Wena ungumphathiswa kunye nokulawula i-asethi xa usaphila kwaye unempilo. Umbhalo othembekileyo ubeka umphathiswa we-successi ngoko ke ukuba ungeke ukhubaze okanye ufe, umphathiswa othabathayo unokuthatha ngokulula ngaphandle kobuninzi bokuhamba.
Nge- IRA okanye 401 (k), umntu oyinyani kufuneka abe ngumnini-akhawunti. Awukwazi ukuyibeka kwakhona isihloko se-IRA okanye i-401 (k) kwi-trust. Unokuthi igama lithemba njengomxhamli we-IRA yakho, kodwa kukho ukuphazamiseka kule nto. Ukuba unempahla eninzi kwiIRAs nakwezinye izicwangciso zomhlala phantsi, kukulungele ukusebenza kunye negqwetha elifanelekileyo lokucwangcisa umhlaba ukukunceda ukuba ufumane indlela engcono yokubiza abaxhamli.