Ingeniso-mboleko, imali ekhululekile
Esinye seziphoso eziqhelekileyo abantu abazenzayo kukucinga ukuba ukuboleka kwi-401k yabo kufana nokuya ebhankini kunye nokuthatha imali ngaphandle kwe- akhawunti yokulondoloza.
Oku akunakwenzeka ngakumbi kwi nyaniso. Xa uboleka imali kwi-401 yakho (k), uthabatha imali mboleko. Njengemboleko yemoto okanye umboleko wesikolo, oku kuthetha ukuba uthembisa ukuhlawula oko ubolekayo.
Xa uqala umboleko kwisicwangciso sakho somhlala-phantsi, kuya kufuneka uqalise isicwangciso sokubuyiselwa imali, esiya kubangelwa iimali-mboleko ezininzi ukusuka kwinye ukuya kwiminyaka emihlanu. Ukuhlawulwa kwemali mboleko kuya kuqala ngokukhawuleza kwaye kuncitshiswe kwi-paycheck ngokuzenzekelayo. Njengokuba ufanele uthabathe nawuphi na uhlobo lomboleko, oku kuya kuba yindleko ezihlawulelwayo eziza kuhlawulwa.
Inzala kunye neMali
Enye into ekufuneka uyiqwalasele ngaphambi kokuboleka isikhwama sakho somhlalaphantsi ngokumalunga nemirhumo eyahlukeneyo kunye neerhafu zemali uza kufakwa. Uninzi lwezicwangciso zihlawulisa umrhumo wenkxaso- mboleko yexesha elilodwa elinokubakho ngaphezulu kwama-$ 75, kungakhathaliseki ukuba ubukhulu bemboleko. Oku kuthetha ukuba nangona uboleka imali eyi-$ 1,000 kwaye bahlawulisa imali engama-$ 75, ulahlekelwa ngu-7.5% ngokuthe ngqo.
Ukongeza kwiimirhumo, kufuneka uhlawule umdla njengoko unako nayiphi na enye mboleko. Enye into enhle malunga nomdla kukuba uhlawula inzala. Ngoko, ngokwenene ubeka imali encinci kwiakhawunti yakho endaweni yebhanki efumana umdla. Inqanaba elifanayo lomyinge lizinga lokuqala lokuqala kunye ne-1%.
Ntlawulo e zimbini
Ukuba uyakhumbula, iminikelo yakho yokuthatha umhlala-phantsi isenziwa kwisibonelelo sangaphambili. Oku kuthetha ukuba uqaphela ukuphulwa kweerhafu xa wenza iminikelo kwisicwangciso, kwaye uhlawuliswa kwixesha elizayo xa ususa imali ngaphandle kwesi cwangciso. Ngelishwa, xa ufumana mboleko kwisicwangciso sakho, unokuzibeka phantsi kweerhafu ezongezelelweyo.
Nangona i-401 ehlala rhoqo (k) iminikelo ithathwa ngaphandle kwekhekha lakho kwi-pre-tax basis, ukuhlawulwa kwemali mboleko akunjalo. Oku kuthetha ukuba uthatha imali yentlawulo engaphambili ngaphambi kwe-akhawunti yakho kwaye ubuyisela imali emva kwentela yerhafu. Oku kunokubangela ukuba enye yale mali ihlawulwe kabini.
Ukunciphisa amandla okuQinisa
Inomdla ehlanganisiweyo yenye yezona zinto eziphambili kakhulu eziya kuzo kwisicwangciso somhlalaphantsi. Ngokuhamba kwexesha, inzala kunye neenzuzo kwimali kwi-akhawunti yakho yebhola zebhola kwaye unokuqokelela ngokubanzi.
Xa ususa imali ngaphandle kweakhawunti yakho yomhlala-phantsi , ukunciphisa inani lemali enokuqulunqwa. Nangona uhlawula ngokukhawuleza umboleko ngemali eyongeziweyo, le nkqubo yokuhlawula ngokukhawuleza inokuchaphazela umlinganiselo apho imali yakho inokukhula xa ihlala ngaphakathi kwi-401 (k) yakho yonke imali.
Iziphumo Xa Ushiya Umqeshi
Njengoko kuthethwe ekuqaleni, le mboleko kwaye kufuneka ibuyiselwe.
Ukuba ufuna ukushiya umqeshi oxhasa isi sicwangciso, usenokwakheka kwemboleko. Kwezinye iimeko, unokucela incwadi yekhuphoni kwaye uqhubeke nokuhlawula iintlawulo, kodwa ukuba awukwazi ukuqhubeka neentlawulo okanye awukwazi ukuhlawula ngokugcwele imali mboleko, uya kulungelelwa ngemboleko.
Xa ungekho phantsi kwe-401 (k) mboleko kwaye awuzange ufinyelele kwiminyaka engama-59 / 1/2, i-IRS ithatha umboleko njengento yokuhanjiswa engayi kuba phantsi kweentlawulo zerhafu kodwa isongezelelo sohlwayo sokuthoma kwangaphambili . Oku kunokukhawuleza ukubeka i-dent enkulu ekulondolozeni umhlalaphantsi.
Iingcamango Zokugqibela
Ngokuqondakalayo, ubomi buyenzeka, kwaye kukho amaxesha apho ufuna ngokwenene imali eyongezelelweyo. Ngokufanelekileyo, unokufuna ukuba neengxowa-mali zongxamiseko zibekelwe bucala ukufihla ezo meko, kodwa abaninzi, ukujika kwisicwangciso somhlala - phantsi nokuba yinto ekhethiweyo.
Ngaphambi kokungena kwi-401 (k) mboleko, qinisekisa ukuba ucinga zonke ezinye iindlela ozikhethayo kuqala kwaye unokuqonda ngokugcwele oko kukubolekayo kwisicwangciso sakho somhlala-phantsi kuya kukuhlawula.