Uyakwazi ukufikelela rhoqo kwi-401 yakho (k) Iimpahla, kodwa izigwebo zingasetyenziswa
Ngezantsi isishwankathelo seendlela ezahlukeneyo zokurhoxisa imali kwi-401 yakho (k) isicwangciso ngaphambi komhlalaphantsi:
Ukurhoxiswa kwi-401 (k) Ngaphambi kobudala 59½
Nangona unelungelo lokufikelela kwi-401 yakho (k) iminikelo kunye nemali yabo yerhafu nangaliphi na ixesha, ukuba wenza ukuhoxiswa ngaphambi kokudala iminyaka engama-55, mhlawumbi uya kubelana nezinye izigwebo. Okokuqala kwaye kubaluleke kakhulu, kubalulekile ukuqaphela ukuba nayiphi na ukurhoxiswa okwenziwe kwi-401 yakho (k) kunye nokuphathwa njengemali engenayo engenayo kunye nokuxhomekeka kwerhafu yengeniso kunyaka owenza ngayo ukuhoxiswa. Kodwa ngaphezu kweerhafu zerhafu eziza kuhlawulwa, uya kuba phantsi kohlwayo olongezelelweyo lwe-10%. Kwabanye abahlawuli berhafu, ezi ntlawulo kunye nezohlwayo ziyakongeza kwaye ziphantse zinqumle ixabiso lokurhoxiswa kwakho kwangaphambili kwisiqingatha.
Ukuba ukhangele ukudlulisa okanye ukuhlawula i-401 yakho (k) kwii-asethi kwenye i-akhawunti efanelekileyo, unokuziphepha ezi ntlawulo kunye nezohlwayo kunye nokuthunyelwa kwe-trustee efanele.
Ukuba ukhangele ukufikelela kwi-401 (k) kwiimpahla ngenxa yeengxaki zemali okanye ukuthengwa okukhulu njengentlawulo ephantsi kwindlu, unokuqwalasela imali engama- 401 (k) mboleko , kodwa kufuneka uzame ukuphepha ukurhoxiswa kwentlawulo zonke iindleko.
Ekugqibeleni, kodwa kuncinci, kukho iimeko apho ungenza ukurhoxiswa kwentlawulo engenakho ukuhlawulwa kwi-401 (k) ngaphambi kokufikelela kwiminyaka eyi-59½:
- Uya kudlula kwaye ibhalansi ye-akhawunti ihoxiswa ngumxhamli wakho
- Ukhubazekile
- Uyakrhoxisa imali engaphantsi kwento evumelekileyo njengokwenyuka kweendleko zonyango
- Uqala "ukukhawuleza ngokukhawuleza kwexesha"
- Ukuhoxiswa kwakho ngumphumo weNkundla yoLwazi lweDomestic Relations (QDRO)
- Ubuncinane ubuneminyaka engama-55 ubudala kwaye usuphelile umsebenzi
Ukurhoxiswa kwi-401 (k) Emva kweminyaka yobudala 59½
Emehlweni e-IRS, iminyaka engama-59½ iyinombolo yomlingo xa kufikelele ekukhuseleni izigwebo ezinxulumene neyokuqala 401 (k) ukuhoxiswa. Xa uneminyaka engama-59½ ubudala, unokwenza ukurhoxiswa kwe-penalty free from 401 (k) iimpahla eziye zafakwa kwi-IRA yemveli. Ukuba imali yakho isekwi-401 (k) isicwangciso kwaye uthatha umhlalaphantsi, unokwenza i-penalty-off-free. Ukuba ufikelela kwiminyaka engama-59½ kwaye usasebenza, nangona kunjalo, imithetho ingatshintsha kancane.
Xa uneminyaka engama-59½ okanye ngaphezulu, ungakwazi ukufikelela kwi-401 (k) kwiimpahla ezingenaso isohlwayo kwisicwangciso somqeshi wangaphambili nangona usasebenza. Kodwa ukuba ufikelela kwiminyaka engama-59½ kwaye usasebenza kwinkampani ene-401 (k) yeempahla, kufuneka uhlolisise umlawuli wecebo malunga nemithetho ethile yesicwangciso sakho. Isicwangciso sakho sinokunikela into ebizwa ngokuba yi-"in-service" ukuhoxiswa okuza kukuvumela ukuba ufikelele kwi-401 yakho (k) iimpahla ezingenaso isohlwayo, kodwa izicwangciso ezininzi azibaniki olu khetho.
Khumbula, nangona ukurhoxiswa akuhlawulwanga, kuya kuba phantsi kwentela yengeniso.
Ukurhoxiswa kwi-401 (k) Emva kweminyaka engama-70½
Ngoxa unako ukufikelela kwi-401 yakho (k) iimpahla ezingenasiphelo-ntlawulo ziqala kwi-59½ yobudala ubudala, abantu abaninzi bayaqhubeka besebenza ngokugqithiseleyo kuloo minyaka, ngoko ke, banokulibazisa ukuhoxiswa kwabo ukuvumela ukuba i-asethi iqhubeke nokukhula kwerhafu. Ngama-70½ ubudala, nangona kunjalo, i-IRS iya kuqala ukugunyaza ukuba wenze iirejista ezibizwa ngokuba yi- distribution minimum (RMDs) ezifunekayo . Ukutshintshwa okufutshane kwii-IRAs zihlala zifunekayo kwi-70 1/2 yobudala, kodwa unokulibaziseka ekubambeni kwisicwangciso sakho esinikezelwe ngumqeshi, njengowakho 401 (k), kude kube ngu-Ephreli 1 wonyaka emva kokuba uthathe umhlalaphantsi. Omnye umyalelo kulo mgaqo kukuba abaqeshwa abangaphezulu kwama-5 ekhulwini kwenkampani axhasayo icebo kufuneka baqalise ukusasazwa kwi-401 (k) icebo elingama-70 1/2.
Isicwangciso sokuthatha umhlala-phantsi esiqinileyo sifuna uviwo lwawo onke amathuba atholakalayo ukusebenzisa i-akhawunti yakho yokugcina umhlala-phantsi ukuze uhlangabezane neenjongo ezibalulekileyo zobomi. Kubalulekile ukuqonda indlela kwaye ungayifumana njani imali yokugcina umhlala-phantsi kwi-401 (k) isicwangciso ngaphambi komhlala phantsi. Qinisekisa ukuba uqonde ngokupheleleyo ingeniso yerhafu yengeniso kwanoma yiyiphi na iinqunto zokurhoxisa. Ukuthatha imali ngaphandle kwe-401 (k) ngexesha lokusebenza kwakho kunokuba unokukhupha kwi-bracket yerhafu ephezulu kwaye unciphise iqanda lakho lokuthatha umhlalaphantsi elikhoyo kwixesha elizayo.