Kodwa ngaba uyazi ukuba kuthetha ukuthini kwi-401 yakho (k)?
Inkcazo
Ukubeka ngokukhawuleza, kunikwe igama elisetyenzisiweyo ukuchonga ubuninzi be-401 yakho (k) imali onokuyithatha xa ushiya inkampani yakho.
Ukukhangela kubhekisela kubunini bakho 401 (k) .
Nangona yonke imali oye waba negalelo kwi-401 yakho (k) ingeyakho kwaye iya kuhamba nawe xa ukhetha ukushiya isikhundla sakho, imigaqo ingaba yinto eyahlukileyo xa ifika kumdlalo wakho womqeshi. Abaqeshi abaninzi baqulunqa izikhokelo zokuthengisa malunga negalelo zabo kumsebenzi wabo 401 (k).
Iinkqubo ezininzi zeenkampani ziqala ukususela kwiminyaka emithathu ukuya kweyisixhenxe ukwenzela ukuba unikezwe ngokupheleleyo kwi-401 yakho (k). Abanye bangakuvumela ukuba unikezwe ipesenti yaloo mali, okwandisa ngamnye unyaka de ufikelela kwisixa esiphezulu.
Yintoni eyenzekayo Ukuba ndihamba Ngaphambi kokuba Ndibekwe ngokupheleleyo kwi-401 (k)?
Masithi unesicwangciso esikwandisa isixa osinikwe kuso kwisicwangciso sakho ngonyaka nge-20%. Oku kuthetha ukuba uya kugqitywa ngokupheleleyo (okt imali ehambelana nomqeshi iya kuba yeyakho) kwiminyaka emihlanu. Kodwa xa ushiya umsebenzi emva kweminyaka emithathu, uya kuba ngu-60% onikwe igunya, oku kuthetha ukuba uya kuba nelungelo lokufumana u-60% wemali umqeshi wakho abe negalelo kwi-401 (k) isicwangciso sakho.
Ukuba umqeshi wakho akanalo isicwangciso esikwandisa imali yakho enikezelweyo ngonyaka kodwa kunokuba ibe yinto egcweleyo xa uhlala kwinkampani ngexesha elithile, uya kulahleka yonke imali umqeshi wakho abenegalelo kwi-401 yakho (k ) cwangcisa ukuba uhamba ngaphambi kokuba ixesha liphakanyiswe. Ngoko qiniseka ukuba uziqhelise nomgaqo-nkqubo womqeshi wakho, okanye unokukuhlawula imali enkulu.
Kutheni Abaqeshi Benazo Iimigaqo-nkqubo?
Esinye isizathu sokuba abaqeshi banemigaqo-nkqubo yokuqinisekisa ukukhuthaza ixesha elide labasebenzi babo. Abasebenzi abaninzi baya kuhlala kwimisebenzi yabo de kubekwa ngokupheleleyo kwi-401 (k) yabo ukuze bafumane inzuzo enkulu yezemali. Kubaqeshwa, oku kungayicingisisa xa kufika ixesha lokukhangela umsebenzi omtsha.
Kulo nqaku, kubalulekile ukuba kuqwalasele impembelelo yemali yomsebenzi omtsha. Ukuba umvuzo wakho uya kunyuka kakhulu, unokwenza uzimisele ukuthatha i-401 (k) ibhalansi, ngokukodwa ukuba ube neenkampani zonyaka okanye ezimbini. Nangona kunjalo, ukuba usondele kumgca wokunikezelwa ngokupheleleyo kwi-401 yakho (k), kunokuba luncedo kakhulu ukulinda iinyanga ezimbalwa okanye unyaka ukuvumela ukuba u-401 (k) ube ngowakho ngokupheleleyo.
Ndingazifumana njani naziphi izikhokelo ezichaphazelayo?
Ukuqonda ngokupheleleyo imigaqo-nkqubo yokubophezela kwenkampani yakho, thetha kunye neSebe loluntu kwiinkampani zakho. Bamele bakwazi ukucacisa umgaqo-nkqubo wokuthengiswa kweenkampani kunye neshedyuli. Ukuqaphela le polisi kunokukunceda ukuba wenze uncedo lwempesheni yakho yomhlalaphantsi kunye neakhawunti. Inokukunceda ukuba ugqibe ixesha elifanelekileyo lokuqalisa umsebenzi omtsha.
Ngokomzekelo, ukuba uneminyaka engama-6 kuphela ekugqibeleni uzaliswe ngokupheleleyo kwiakhawunti yakho yokuthatha umhlalaphantsi, kunokufaneleka ukulinda ukutshintsha imisebenzi.
Ngaba Ukuthintela Njani Ukuba Ndifanele Ndibonelele Ngomhlalaphansi?
Kufuneka ujonge ukufaka isandla kwi-10-15% yengeniso yakho kumhlalaphantsi, kubandakanywa nomlinganiselo wakho umqeshi ufanisana. Ukuba oko akuyona inketho kuwe, kufuneka uzimisele ukufaka isandla semali efanayo nomqeshi wakho. Emva koko, imali ikhululekile.
Yaye ukuba uyazi ukuba uya kushiya umsebenzi othile ngaphambi kokuba u-401 (k) uqiniseke ngokupheleleyo, unokufuna ukwandisa igalelo lakho ukufihla ilahleko ukuba utshintshe imisebenzi.
Ngaba Ndifanele Ndibe neNzuzo yoMdlali wam Umqeshi Nangona Ndiceba Ukuhamba?
Akukukhathazi ukuba ubhalise kwaye usebenzise inxaxheba kumdlalo womqeshi , nangona ungacwangcanga ukuba uhlale kumqeshi wakho ixesha elide ukuba uzaliswe ngokupheleleyo kwi-401 (k) yakho.
Esinye isizathu kukuba ungagqiba ukuhlala emsebenzini wakho ngaphezu kwexesha owawucebileyo, kwaye unokuphela ukukwazi ukugcina enye yemali yakho yomhlalaphantsi.
Yaye khumbula: Xa kuziwa ekuthatha umhlalaphantsi, kusoloko kungcono ukugcina ngaphezulu, kunokuba ngaphantsi. Ixesha lakho elizayo liya kukubulela.
Ukuhlaziywa nguRachel Morgan Cautero