Ukuqonda indlela 401 (k) Umlinganiselo wokuSebenza
I-Congress yase-US, ngokuqondakalayo, imisela imida kwimali ongayinayo unyaka ngamnye. Ngaphandle koko, umntu onomvuzo ophezulu kakhulu unokufaka izigidi kwizigidi zeedola kwi-401 (k) ecwangcisiweyo kunyaka ngamnye, ukuhlawula ixabiso lemali yengeniso karhulumente.
Ngokubeka imingcele kwiminikelo, iCongress inokuqinisekisa ukuba yinkalo ephakathi enenzuzo enkulu kwinzuzo yentlawulo ye-401 (k) izicwangciso.
Iintlobo ezintathu zee-401 (k) Imida yoNcedo
Ukubala ukuba imali evumelekileyo ukuba uyibeke kwi-401 (k) ingaba yinto ekhohlisayo. Ngenxa yoko, kufuneka uqaphele kakhulu ukuba ungadluli kwi-401 (k) imida yegalelo esebenzayo kunoma yimuphi unyaka onikeziweyo. Yintoni eyenza imida ibe yinkimbinkimbi kunokuba i- IRA yeNdabuko okanye i-Roth IRA yinto yokuba, kuzo zonke iinjongo kunye neenjongo, kukho iintlobo ezahlukeneyo zemida ebekwe kwi-401 (k) iminikelo.
- I-Deferral Deferral 401 (k) Umrhumo womrhumo umele inani lemali lowo umnini we-401 (k) akhawunti angenza inxaxheba kwi-paycheck yakhe. Ngo-2018, le nxalenye yomlinganiselo we -401 (k) ibekwe kwii-18,500 zamaRandi.
- I- Catch-Up 401 (k) Umda woMrhumo umelela imali eyongezelelweyo ukuba abasebenzi abangaphezu kweminyaka engama-50 ubudala banokufaka isandla kwi- savings yabo yomhlala-phantsi . Ukususela ngo-2018, eli nani lihlelwe kwi-$ 6,500. Ngaloo ndlela, umntu 50 okanye ngaphezulu angenza igalelo elingama $ 25,000.
- I-401 eyongezelelweyo (k) Imida yoMrhumo ibonisa "ukubamba yonke into". Ngokwenene, i-total total of contributions, kunye neminikelo yokubambisa, kunye nemali eyongeziweyo kwi-akhawunti ngumqeshi kwiimali ezifanayo okanye iinkqubo zebhonasi, njl. Akunakudlula ngaphantsi kwe-100% yembuyekezo yakho okanye i-$ 55,000 ngonyaka we 2018.
Ukubanjwa kokugqibela kubalulekile. Okubalulekileyo, kuthetha ukuba ukuba uneminyaka engaphantsi kwama-50, imali eninzi ongayifumana kwi-401 (k) kunoma yimuphi unyaka unikwe i-$ 55,000. Kuloo, kuphela i-18,500 zamaRandi ezivela kwiminikelo yakho. Ezinye i-36,500 zamaRandi kufuneka zivela kumqeshi wakho. Abaqeshi kakhulu abaqeshi banikezela ngokwaneleyo 401 (k) iiphakheji zokusebenzisa ezi ntlobo zemida.
Yintoni eyenzekayo Ukuba uyaphumelela i-401 (k) Imida yokunikezela?
Ukuba unenhlanhla ngokwaneleyo ukuba ukwazi ukukhupha i-401 yakho (k) iminikelo , kungenokuba ngumngeni omncinci ukucacisa ubuninzi bokubeka bucala inyanga nganye ngaphandle kokungena ngokungazenzisiyo. Indlela elula kukuba uthathe iR $ 18,500 kwaye uyihlule ngemali yakho engenayo. Oku kuya kubonisa ukuba, malunga nepesenteji, kuya kuthathwa kwi-paycheck nganye kwaye ijoliswe ku-401 (k) isicwangciso. Ukuba ingeniso yakho iya kunyuka kunyaka, kuya kufuneka ulungelelanise le nani ngokufanelekileyo.
Ukuba unika imali engaphezulu kwi-401 yakho (k) akhawunti ngaphandle kokuba uvumelekile, ude ufike ngo-Apreli 15 ukuxelela isicwangciso sokubuyisela imali. Le ntlawulo ehlawulwa ngokugqithisileyo ibhekiselwa ekumiselweyo okungaphezulu. Ukuba ufumene ukutsalwa kweerhafu , kuya kufuneka uyibuyise xa uhoxisa ukukhutshelwa kwexesha elingaphezulu kodwa akufanele ube phantsi kwesigwebo esongezelelweyo se- 10% sokuqala .
Ingumthwalo wakho wokubamba okungaphezulu kwama-401 (k) iminikelo, kungekhona yomqeshi wakho. Ukuba awukhenxisanga okongeziweyo phambi kokuba uhlawule umrhumo werhafu kunyaka apho iphutha lenziwe khona, uya kuhlangabezana nezohlwayo ezinzima, ifom yokuhlawulwa kabini, kwaye mhlawumbi unakho isicwangciso sakho sokuthatha umhlala-phantsi uhlaziywa njengomntu ongafanelekanga, kuya kuba nempembelelo enkulu yemali ukuba wakha isidleke esisezingeni elihloniphekileyo.
I-401 (k) Imida yoMrhumo ingaba yinto eyahlukileyo xa Uyi-Earner ephezulu
Ukuba ufanelekile njengomntu obizwa ngokuba ngumntu ohlawulelwayo kakhulu, oku kuthetha ukwenza ngaphezulu kweedola ezili-120 000 kumqeshi wakho ngo-2018, unokuba unomlinganiselo ophantsi ongama-401 (k) kunokuba ungenjalo. Oku kunokwenzeka ukuba isicwangciso sakho somqeshi sithathwa ngokuba "sikhulu kakhulu." Ngendlela elula, icebo lithathwa ngokuba "lukhulu kakhulu" ukuba abaphezulu abafumana i-nkampani (nabani na abafumana imali engaphezu kwama-175,000) benza ngaphezulu kwama-60% eemali ezipheleleyo.
I-Congress yafuna ukuqinisekisa ukuba i-401 (k) izicwangciso azizange zisetyenziselwe ukuzuza eziphezulu kwiziko lolawulo.
Thetha kuMcebisi wezeMhlala-phantsi, uMmeli weRhafu, i-Akhawunti ye-Accountant, kunye / okanye iiNkonzo zabasebenzi Ukuba Unemibuzo
Imigaqo nemimiselo ejikeleze izicwangciso zomhlala-phantsi ziyaziqhelanisa. Ukuba wenza impazamo, inokulimaza kakhulu imali yeentsapho zakho. Ukuba ucinga ukuba unokwenza into engalunganga, okanye usengozini yokuphula enye yamalungiselelo olawula isicwangciso sakho sokuthatha umhlalaphantsi, uthetha nabantu abalungileyo kwaye ufumane ingxaki ngokukhawuleza.