Eminye imisebenzi inexesha lokulinda leenyanga ezintandathu okanye unyaka ngaphambi kokuba uqale ukufaka inxaxheba kwi- 401 (k) inika. Kwaye iinkampani ezincinci okanye iinkwenkwezi zingenakho ukunika isicwangciso somhlala-phantsi nonke. Ukuba unkontileka ozimeleyo okanye oziqeshwe ngabasebenzi, unembopheleleko zakho, kwaye unokuba uzibuza ukuba ungaqala njani ukugcina umhlalaphantsi.
Cinga nge-IRA
IRA iyona ndlela ingcono xa umqeshi wakho enganikeli izibonelelo zomhlalaphantsi. Oku kungasetyenzwa kunye nemirhurenti emininzi, kunye neebhanki. Unokukhetha uhlobo lotyalo-mali ofuna ukwenza kwaye unokucela umcebisi wezezimali ukuba akuncede ukuba ubone indlela enokukhetha ngayo. Amafemu amaninzi e-brokerage azimisele ukukhupha imali yokuqala yokutsalwa kwemali xa ubeka i-IRA ngenani lemali yenyanga. Unokucinga kwakhona nge- robo-umcebisi oza kulawulo lwe-IRA.
Umda wegalelo we-IRAs ka-2018 yi-$ 5,500 ngonyaka, kunye ne-6,500 yee-$ kulabo abangama-50 nangaphezulu. Ukuba oku kuninzi kuwe (yangaphambili ihlehlela kwi-$ 458 / inyanga), ungadikibala. Unokusebenza ukwandisa le mali ngamnye unyaka de unokufaka isandla esiphambili.
Unakho ukhetho lokukhetha i-IRA yendabuko okanye iRoth IRA . Nge- IRA yendabuko , iminikelo yakho yokukhulisa irhafu kunye nokuhlawula irhafu xa ususa imali ngaphandle komhlalaphantsi.
Nge- Roth IRA , iminikelo yakho ayinakukhishwa kwerhafu (oko kukuthi, zenziwe ngeerhafu zerhafu) kodwa awuhlawulwanga imali kunye nemali yabo xa uthabatha umhlalaphantsi. Nangona kunjalo, uvumelekile ukufaka isandla kwiRoth IRA ukuba wenza imali engaphantsi kwezigidi ezingama-120,000 ukuba ungatshatanga kunye ne-189,000 i-$ 189,000 xa utshatile uze ufake ifayile yakho ngentlawulo.
Nangona iiRoth kunye ne-IRAs zendabuko zizithuthi ezinkulu, ngokuqhelekileyo iRoth IRA iyona nto ikhethekileyo (ukucinga ukuba uwela phantsi kwe-cap cap) ukuba ulindele ukuba ube kwi-bracket ephezulu xa ususa umhlalaphantsi. Imveli ye-IRA yinto ekhethekileyo xa ukulindele ukuba ube ngumgca werhafu ophantsi xa uthatha umhlalaphantsi.
Iindlela zokuziHlola
Ukuba uqeshwe ngokuzimeleyo okanye ukontraka ozimeleyo, unokhetho olongezelelweyo lomhlalaphantsi . Ungabhalisa kwi-SEP IRA okanye kwi-401 (k) icebo.
I- SEP IRA kwakhona yindlela yokulondoloza umhlalaphantsi inzuzo-mali, apho imali yakho engaphambi kwentela inotyalwe yerhafu echazwe yerhafu uze uyikhuphe umhlalaphantsi. Inzuzo enkulu ye-SEP ye-IRA yimiqathango ephakamileyo yeminikelo, eyi-54,000 yamawaka ngo-2017, ukuba ingadluli kwi-25% yengeniso yakho. Elinye ithuluzi lokugcina umhlala-phantsi ongayicinga ukuba yilungu le-401 (k) icebo.
Khumbula, yinto efanelekileyo ukuthetha nomgcini-akhawunti wakho malunga neendlela ezingcono zokulondoloza umhlala-phantsi ukuze ukwazi ukusebenzisa amanqanaba amaninzi eerhafu xa unako ukugcina umhlalaphantsi.
Cinga ngemisebenzi yokuTshintsha
Xa uqale uqala ukusebenza, unokuba uzimisele ukuhamba ngaphandle kweenzuzo zokufumana amava okanye ngenxa yokuba ukholelwa ngokwenene kwinkampani. Ezinye iziqalo zingenakho izicwangciso zomhlalaphantsi kwiminyaka embalwa yokuqala kodwa cwangcisa ukuzinikela emva koko.
Ukuba usebenza kwinkampani encinane okanye uqalise kwaye uneminyaka embalwa kungekho tshintsho kwiingeniso zomhlalaphantsi, unokufuna ukujonga umsebenzi wokutshintshela inkampani ekwinkxaso eyongezelelweyo ukuze ufumane uninzi lwayo lokulondoloza umhlalaphantsi kwaye ufumane ezinye iingeniso ezibalulekileyo .
Utyalo-mali lokuThatha umhlala phantsi ngaphandle kweeAkhawunti zeRhafu
Ngenxa yokuba ufikelela kwimpesheni yakho evumelekileyo, akuthethi ukuba kufuneka uyeke ukufaka isandla kumhlalaphantsi. Ungagcina umhlala-phantsi kunye notyalo-mali bendabuko ngaphandle kokuba kwi-akhawunti yomhlala phantsi.
Enyanisweni, ukuba uceba ukuhlala phantsi kusasa, uya kufuna ukufumana inxalenye enhle yeenzuzo zakho zomhlala-phantsi kwiakhawunti eyahlukileyo ukuze ufikelele kwimali ngaphandle kokufumana isohlwayo sokuthoma. Awuvumelekanga ukuba uthathe imali ngaphandle kwe-IRA okanye 401 (k) de ube ngu-59½ ngaphandle kwesigwebo se-10%.
Kodwa unokuba ufuna ukuhlala phantsi ngaphambi koko, okanye uthathe umhlala-phantsi kwangaphambili ukuba unako ukwenza imali ukuze wenze njalo. Ukuba unomnye utyalo-mali, unako ukurhoxisa imali apho ude ufikelela kwiminyaka yobudala engama-59 ½ ukuphepha ezo zihlwayo.
Thatha inzuzo yezinye iinzuzo
Ukuba usebenza ukuqala, bangase banikeze ezinye iindlela, njengokuthenga okukhethwa kwezithuthi endaweni ye-akhawunti yomhlalaphantsi. Oku kunokukuvumela ukuba uzuze ngokukhula kwenkampani kwiminyaka embalwa yokuqala. Le yinto efanelekileyo xa ilawulwa ngokuchanekileyo.
Kufuneka uqinisekise ukuba iphothifoliyo yakho ihlukeneyo kakhulu , ngakumbi ekubeni ukufumana olu hlobo lwesitokisi lukhuselekile, njengokuba luqala kwaye lukwazi ukukhupha ngokungalindelekanga.
Kukho nemigaqo malunga nokuba ungakhawuleza njani ukuthengisa i-stock yakho emva kokuthenga, ehluke yinkampani, ngoko oku akufanele kube yiplanethi yakho yonke yomhlalaphantsi.
Ukuhlaziywa nguRachel Morgan Cautero .