Ubudala be-55 bufikeleleke, kwaye nakwi-Age 50 yabanye abaSebenzi
Kuxhomekeke ekubeni usebenza nenkampani apho 401 (k) isicwangciso sakho; ukuba awusebenzela loo nkampani, kuxhomekeke ekubeni uneminyaka engakanani xa ushiye umsebenzi apho. Ndiya kugubungela ezi meko ngezantsi.
Kusasebenza kwiNkampani
Uninzi lwama-401 (k) izicwangciso azivumeli "ukuhoxiswa ngokuqhelekileyo" kwiminyaka yobudala engama-55 ngelixa usasebenzela inkampani.
Ngokurhoxiswa ngokukhawuleza , ndithetha ukuhoxiswa okungekho phantsi kwezigwebo kwaye akufuneki ukuba ufaneleke ngokusekelwe kwiimeko ezizodwa.
Esikhundleni sokurhoxiswa rhoqo, unokwazi ukuthatha imali engama- 401 (k) mboleko , okanye ufanelekele ukuxothwa kweengxaki - ukuba i-401 (k) isicwangciso sakho sivumela ezi zikhetho. Hayi yonke i-401 (k) iiplani ezifunekayo ukunikezela ngemali-mboleko okanye ukukhutshwa kobunzima.
Unokukhangela kunye nomphathi wakho weprogram ukuba ubone ukuba banamalungiselelo akhethekileyo avumela into ebizwa ngokuba yi -service- distribution.
Ayikho ixesha elide ukusebenza kwiNkampani
Ukuba ufuna ukuthabatha imali ngaphandle kwe-401 (k) isicwangciso- esichaza isicwangciso esivela kumqeshi ongeke usisebenzele-imithetho iyahluke.
Ukuba ushiye umqeshi wakho wangaphambili ngexesha okanye emva konyaka ufikelele kwiminyaka engama-55; ngoko ungathatha ukuhoxiswa kwi-401 (k) isicwangciso. Oku kuhoxiswa kuya kuthathwa njengengeniso ehlawulwayo, kodwa ayiyi kuba phantsi kwentlawulo yerhafu yokuthoma.
Isebenza nangona ungeneminyaka yobudala engama-59 ½. Kusebenza xa ushiye imali yakho kwi-401 (k) icebo. Kubasebenzi bezokhuseleko loluntu olu lungiselelo lisebenza kwiminyaka engama-50, kunama-55. Bona iMicandelo ye-IRS Retirement kwi-Distributions yasekuqaleni, uze uphelele phantsi ukuya kwiCandelo loNcedo loNxeba kunye neempendulo zamanqaku ezantsi ukuqinisekiswa.
Ukuba ulungele i-401 yakho yonyaka (k) icebo kwi-IRA, eli lungiselelo lokungena kwixesha elidlulileyo alisebenzisi. Ukuba uthabatha ngokukhawuleza kwi-IRA phambi kobudala beminyaka engama-59 ½, ixhomekeke kwiirhafu zerhafu kunye nerhafu yokuhlawulwa kwexesha lokugqibela.
Kuthiwani Ukuba Ushiye Umqeshi Wakho Umva Ngaphambi Keminyaka yobudala engama-55?
Ukuba ushiye umqeshi wakho wangaphambili ngaphambi konyaka, ufikelele kwiminyaka yobudala engama-55 ubudala (uneminyaka engama-50 kubasebenzi bezokhuseleko loluntu njengoko kuchazwe yi-IRS), kodwa ngoku ungaphezu kwama-55, uxolo, uncedo olulodwa olukhethekileyo lokunxaxhisa iminyaka engama-55 alusebenzi. Naliphina ukurhoxiswa othabathayo kuya kuxhomekeka kwerhafu yerhafu ngaphandle kokuba unokwenza u-401 (k) ucwangcise i-IRA kwaye uvumeleke ukuba ufumane isigwebo.
Amathuba okuCwangcisa
401 (k) imali ikhuselwe ngumboleki. Uyakukhupha lo khuselo ngokufaka imali kwi-401 (k) icebo eliqalile . Ukuba unenkathazo yezemali, ukufaka imali kwi-401 (k) isicwangciso sekusasa sinokuba yinto ebenzileyo.
Ukuba uhlala phantsi (ngaphambi kweminyaka engama-60 umzekelo), kwezinye iimeko, kunokuba lunengqondo ukushiya imali kwi-401 (k) cwangciso uze ufike kwiminyaka yobudala engama-59 ½. Ngaloo ndlela, unokuthi uthathe utyeshelo xa ufuna.
Ukuba unokuthatha umhlalaphantsi kwiminyaka yobudala engama-54, kunokuba lunengqondo ukulinda unyaka ufikelela kwiminyaka yobudala engama-55. Ngale ndlela unako ukufikelela ngaphezulu kwi-401 yakho (k) imali kwaye unokuthatha iirejista ezingekho phantsi kwentlawulo yerhafu yokutsala.
Ifa 401 (k) s
Ukuba ungumzuzi kunye nefa, 401 (k) cwangcisa imigaqo apha ngasentla ayifuni. Imithetho esebenzayo kuwe iya kuxhomekeka ekubeni ungumlingane, okanye ungatshatanga, kunye nexesha lokufa kwe-401 (k) umnini.