Ukuba unenkxalabo malunga nokunyuka kwe-401 yakho (k), akunakwenzeka ukuba usebenzise izizathu ezingagqithisa umlinganiselo owenzayo umhlalaphantsi ngamnye . Enye yezona zinto zikhethileyo zokuthatha imali yomhlala-phantsi ngu 401 (k) akhawunti . Iminikelo yomhlala phantsi iphuma ngokuzenzekelayo nyanga nganye. Awudingi ukukhathazeka kakhulu malunga ne-fund ngenxa yokuba ungananto yokulawula phezu kweentlobo zemali ezityalwe kuyo. Oku kwenza kube lula ukwandisa umhlalaphantsi ngokukhawuleza kwaye ushiye imali yedwa uze uthabathe umhlalaphantsi. Nangona kufuneka uhlale utyalomali kumdlalo womqeshi wakho, unokufikelela kwindawo apho uhlawula imali ovumelekileyo ukuba unyaka ngamnye. Kufuneka uqwalasele ezinye iindlela zokutshala imali xa kwenzeka.
01 Yiyiphi imida yam kwi-401 yam (k) Iminikelo?
02 Ngaba ndifanele ukuba uMax Out My contributions?
Unokufuna ukukhupha umrhumo wakho unyaka ngamnye, kodwa kuxhomekeke kunokuba ungaphi na ezinye iinjongo zemali. Ukuba ngaba u-matyala okwangoku, kufuneka ube negalelo kuphela kumdlalo uze uhlawule ityala. Emva koko unako ukwandisa imali njengoko ugcina ingxowa-mali engxamisekileyo kunye nokuhlawula kwekhaya lakho. Emva kokuba wenze le nyathelo kufuneka ukwandise ukugcina umhlalaphantsi. Ukuba kunokwenzeka, kufuneka utyalomali kwi-Roth 401 (k) inketho kuba inika imali enkulu yokugcinwa kwentela kwenye i-akhawunti. Ungaphinda ufune ukuqwalasela ukutshala imali ngaphandle kweeakhawunti zakho zomhlalaphantsi ukwenzela ukuba uguquke ngakumbi.
03 Ziziphi ezinye iindlela zokutshala imali endinayo?
Ukongeza kwi-401 yakho (k), unokufuna ukwandisa ukhetho lwakho lweRoth IRA . Okwangoku, uvumelekile ukuba unikele kwi $ 5500 ukuba uneminyaka engaphantsi kweminyaka engama-50. Lo ngumyinge wamanje ngo-2016. Isixa singatshintshiswa kwi-inflation esikhathini esizayo. Unokufuna ukutyalomali kwamanye ama-akhawunti. Nangona ezi ngxelo zingenazo iintlawulo zeerhafu zee-akhawunti zomhlala-phantsi, zinika ukulungelelanisa ngakumbi xa kuziwa ekufikeleleni imali yakho. Ukuba uceba ukuhlala phantsi ngaphambi kokuhlala umhlalaphantsi, unokufuna ukugcina imali engenawo umlinganiselo weminyaka yobudala engama-59 ½. Ungaphinda ufune ukuqwalasela imali yokuthengisa imali, kodwa kuphela xa ulungele ukuba ngumnini-mnini kwaye uphathe iindleko ezongezelelweyo.
04 Ndimele Ndibe Ninzi Kangakanani?
Isixa otyalo-mali sixhomekeke kwiimeko zakho zemali. Kufuneka ube netyala ngaphandle kokuba ube ngumxininene ngempela malunga nokutyalomali lwakho. Kufuneka ugawule ngokukhawuleza kumhlalaphantsi phakathi kweshumi ukuya kwishumi elinesihlanu kwipesenti yakho yengeniso. Emva koko ungafuna ukumisela ipesenti yepesenti yemali ofuna ukuyisindisa. Kunceda ukuba ube neenjongo ezicacileyo kunye nesicwangciso sezimali esizinzile ukuze ukwazi ukuba imali iya kusetyenziswa ntoni. Ukuba unetyala elingenanto kwaye unika imali efanelekileyo kumhlalaphantsi ngamnye ngonyaka, kulungile ukuzonwabisa ngezinto onokuzifumana kunye nemali yakho. Qinisekisa ukuba uqhubeka uhlala kwiindlela zakho. Umcebisi wezezimali unokukwazi ukukunceda ubeke iinjongo ezifana nokuthenga ikhaya leeholide okanye uceba ukuhamba ukuze ube nefuthe lokutshala imali ngokufanelekileyo. Thatha ixesha lokufumanisa oko ufuna ukukufeza ngemali yakho.