Fumana ukuba Ufanelekile kwiCash Out of your 401 (K) Plan
Ukuba usaphinda uqeshwe yinkampani abaxhasi bakho abangama-401 (k) icebo ke awuyi kuba nelungelo lokuphuma kwisicwangciso. Endaweni yoko, ukufikelela kwimali yakho ungayijonga ukuba isicwangciso sakho sinikezela i-401 (k) isibonelelo semali mboleko okanye ivumela ukuxothwa kweengxaki .
Ukuba awusetyenziswe yinkampani abaxhasi bakho 401 (k) icebo, ngoko ufanelekile ukufumana imali yakho. Unako ukuphuma kwisicwangciso okanye u- 401 (k) ibhalansi ye-IRA .
Ukuba ukhetha ukulungiswa kwemali yakho kunokuba uhlawule imali, ke, awuyi kuhlawulwa irhafu okanye irhafu yentlawulo kuba i-IRAs ayikho imali ehlawuliswayo xa uyenzayo ngendlela efanelekileyo. Ukukhwela kwi-401 yakho (k) kwesinye isicwangciso akuqwalaselwe ukuba uyayifaka.
IsiKhuseli soKhuseleko silahlekile
Imali kwi-401 (k) isicwangciso-mboleko sivikelwe kwaye sikhuselekile kwi-bankruptcy. Kuyiziwula ukuba uhlawule imali engama-401 (k) isicwangciso sokuhlawula phantsi ityala ukuba mhlawumbi unokuphelisa ukufaka i-bankruptcy. Inkundla yebhanki ayikwazi ukuchaphazela i-401 (k) isicwangciso kunye nababolekisi abanako ukuxhamla izibambiso kwiimpahla kwi-401 (k) cwangciso kwaye abanakukunyanzela ukuba uhoxise le mali ukuhlawula ityala. Imali ekhuselweyo yokusetyenziswa kwiminyaka yakho yomhlalaphantsi.
Imirhumo iya kuhlawulwa
Ukuba uhlawulela kwi-401 (k) isicwangciso sakho kwaye awukafiki iminyaka yobudala engama-59 / 1/2, ngoko ke inani leerhafu olihoxisayo liya kuxhomekeka kwerhafu yengeniso evamile kunye nerhafu ye-10% yentlawulo.
Ukuba awuneminyaka yobudala engama-59 / 1/2, kufuneka ukuba i-20% igcinwe kuyo nayiphi na ibhalansi oyifaka imali kwi-taxeral tax, ngoko ke yonke i-$ 1,000 enayo imali, uya kufumana malunga ne-800 zama-dollar.
Eminye i-$ 200 iya kuthunyelwa kwi-IRS. Ekupheleni konyaka, i-401 (k) isicwangciso siya kukuthumela ifomu yerhafu ebizwa ngokuba ngu-1099R ebonisa ukuba inani leerhafu ligcinwe egameni lakho.
Xa ufaka irhafu yakho yerhafu, uya kubandakanya inani le-401 (k) icebo elifakwe kwiholo, kunye neminye imithombo yengeniso. Iyaphuma kwingxelo yakho yokubuyisela irhafu kwiphepha lokuqala kwaye isekelwe kwingeniso yakho yonke kunye nokuncitshiswa, uya kuba neerhafu eyongezelelweyo okanye ufumane imali.
Imiba Yakho yobudala
Ukuba uphakathi kweminyaka yobudala engama-55 no-59 / 1/2 unokukwazi ukuphepha i-10% yentlawulo yeerhafu xa usuphelile umsebenzi ongaphantsi kwonyaka oye waba ngu-55. Ndibiza le minyaka yobudala engama-55 401 k .
Ukuba uneminyaka engaphezulu kwe-59 1/2 nayiphi na imali oyekhiphayo kwi-401 (k) isicwangciso siya kuthotyelwa irhafu yengeniso, kodwa ingekho irhafu yentlawulo.
Yazi indlela yokuCashisa ngaphandle
Isinyathelo sokuqala kukufowunela inombolo yefowuni evelayo kwi-401 (k) isitatimende socwangciso kwaye ucele ukuba bakuthumele iphepha omele uzalise ngalo imali. Kwezinye iimeko, unokwazi ukwenza oku kwi-intanethi okanye ngefowuni, kodwa ixesha elininzi kufuneka ugcwalise iphepha.
Ngamanye amaxesha umqondiso osuka kumntu we-HR okanye umlawuli weqhinga kwenkampani oqeshwe nguyo iya kufuneka.
Ukuba usebenzele inkampani encinci, kufuneka uthabathe le maxwebhu kubo okanye udibanise nabo ukuba wenze oku. Ukuba usebenzele inkampani enkulu le nto idlalwa yinkampani yotyalo-mali enika ukhetho lokutshala imali ngaphakathi kwe-401 (k) icebo.
Ukufumana Imali Yakho Ithatha ixesha
Ngokuqhelekileyo kuthatha iiveki ezimbalwa ukufumana imali kwi-401 (k) isicwangciso. Ezinye izicwangciso zeenkampani ezincinci zinelungelo lokuvumela ukuhambisa kuphela kanye ngekota okanye kanye ngonyaka. Kukho i-401 (k) isicatshulwa senkcazo yenkcazo yesicwangciso sishwankathelo siya kuphawula imigaqo yesicwangciso sakho. Isicwangciso kufuneka silandele imithetho yaso.
Ngamanye amaxesha kunokuziva ngathi umqeshi wakho wangaphambili wenza kube nzima kuwe ukuba ufumane imali ngaphandle kwe-401 (k) isicwangciso sakho kodwa kukho imithetho eqinileyo umqeshi kufuneka ayilandele kwaye kufuneka abe nawo onke amaphepha afanelekileyo okusabalalisa imali yakho.