Ezi zinto zikunceda ukuba uqaphele indlela ongayifaka ngayo kwi-401 (k) isicwangciso sakho.
Yiba negalelo kwi-401 yakho (k) Cwangcisa Ukuba ...
Kwiimeko ezininzi, kufuneka ube negalelo kwi-401 yakho (k) icebo ukuba unayo i-akhawunti yokulondoloza esele ikwazi ukukhonza njengengxowa-mali yongxamiseko, kwaye ukuba unayo i-inshorensi eyaneleyo kwindawo efanelekileyo, njenge-inshorensi yempilo efanelekileyo, impahla , kunye ne-inshorensi yobomi.
Ngoba?
401 (k) izicwangciso zenzelwe ukubonelela ukukhupha umhlalaphantsi, kwaye zenzelwe ukuba azikho imoto enokwakheka xa ufuna imali ngaphambi komhlalaphantsi. Ukuba ulahlekelwa ngumsebenzi wakho, okanye ingxaki yempilo ivela, kumaxesha amaninzi awukwazi ukufikelela kwi-401 (k) imali kuyo yonke, kwaye ukuba unako, iirhafu kunye neentlawulo ziba zikhulu. I-401 yakho (k) iminikelo yimivuzo yokuthatha umhlalaphantsi, kungekhona ngezoxakeka, imoto entsha, okanye nayiphi na into. Emva kokuba unayo i-akhawunti yokonga eyaneleyo, sebenzisa imigaqo elandelayo engezantsi ukufumanisa ukuba uninzi kangakanani ukufaka isandla kwi-401 (k) isicwangciso.
Qinisekisa ukufumana yonke iMetch Match Value
Fumana ukuba inkampani yakho inikeza nayiphi na inxaxheba yemali ehambelanayo kwi-401 (k) isicwangciso. Ngokomzekelo, ukuba unika i-3% yengeniso yakho kwi-401 (k) isicwangciso, banokuthi bafanise le mrhumo i-$ 1 ye-$ 1. Oku kukunika ngokukhawuleza ukubuyisela i-100% kwi-401 (k) iminikelo oyenzayo.
Iinkampani ezininzi ziya kufana nomrhumo wakho kwipesenti ethile yengeniso yakho. Ezinye iinkampani ziya kunika umrhumo kwi-401 yakho (k) isicwangciso ngendlela yokwabelana ngenzuzo okanye umnikelo ongakhethiyo kungakhathaliseki ukuba uncedo okanye awuyi.
Inkxaso ehambelanayo neenkampani kwiakhawunti yakho ihlala ixhomekeke kwi-401 (k) ishedyuli yokufumana ishedyuli ekutshilo ukuba ingakanani imali enikezelwa yinkampani kwi-akhawunti yakho ukuba ugcine ukuba / xa ungasetyenziswanga ngabo.
(Uhlala ugcina 100% yemali oyifake kwi-401 (k) isicwangciso.)
Ezinye iintlobo zeminikelo, njengento ethi "umdlalo okhuselekileyo wesigqeba" ihlala i-100% enikezelweyo, oku kuthetha ukuba imali ingeyakho nangona usuphelisa umsebenzi emva kokuba uyifake. Ezinye iintlobo zeminikelo, njengenzuzo yokwabelana ngenzuzo, ingaba neshedyuli yokubambisa ngaphezulu efuna ukuba uqeshwe iminyaka emihlanu okanye ngaphezulu ngaphambi kokuba ugcine i-100% yemali inkampani eyinayo egameni lakho.
Ukuba awucwangcanga ukusebenza kumqeshi ixesha elide, kwaye ukuba inkxaso yenkampani ihambelana neshedyuli elide lokuthenga, ngoko ke umrhumo akufanele ube yinto ebalulekileyo ekunqumeni ukuba ungakanani ukufaka isandla kwi-401 yakho (k ) icebo.
Ukuba inkampani yakho ibambisana negalelo, iminikelo ixhomekeke kwishedyuli emfutshane yokuthengisela kunye / okanye uceba ukusebenzela apho isikhashana, cinga ngokunikela ngokwaneleyo ukufumana inani elipheleleyo lomdlalo wonyaka ngamnye.
Cinga iRhafu Xa Uchonga uhlobo lunikelo loKwenzayo
Imveli 401 (k) iiplani zivumela ukuba wenze iminikelo yentlawulo yangaphambili. Ezinye izicwangciso zivumela ukuba wenze umrhumo werhafu emva kweentlobo kwaye izicwangciso ezininzi ziqala ukuvumela ukuba wenze iminikelo yeRoth.
Uhlobo ngalunye lwegalelo lufumana unyango lwerhafu.
I-tax1 engama-401 (k) Imirhumo- ngaphambi kwentela 401 (k) iminikelo oyenzayo kwisicwangciso ayifakiwe kwingeniso yakho yerhafu yonyaka. Xa uhoxisa u-401 (k) imali uza kuhlawula irhafu yengeniso kunoma yiyiphi imali ehoxiswayo. Olu hlobo lwama-401 (k) negalelo elona lungcono xa unesibhakethi esiphezulu sentlawulo kwiminyaka owenza le mnikelo kwaye ulindele ukuba ubekho okanye enye ibakethi yentela ephantsi kwiminyaka uza kuhoxisa imali kwi-401 (k ) icebo. Ukuba unemali eninzi sele sele i-akhawunti echazwe ngerhafu, unokufuna ukwenza ukucwangcisa ixesha elide ngaphambi kokugqiba ukuba ngaba ufuna ukufaka imali engaphambili yentela kwisicwangciso. Xa usuhlala umhlala phantsi, ukuba nemali eninzi kwiakhawunti ezihlawulwe irhafu kunokukulimaza.
Emva kwerhafu 401 (k) Iminikelo - kunye neminikelo yerhafu emva kokuba awufumani ukuncitshiswa kweminikelo yesicwangciso, kodwa imali iya kukhula ihlawulwe irhafu.
Emva kwerhafu 401 (k) iminikelo iyafana kakhulu negalelo le-IRA engenakudalulwa. Ngelo xesha uhoxisa le mrhumo, uza kuhlawulwa irhafu kuphela nangayiphi na inzuzo, sele uhlawule irhafu yengeniso kwimali yeminikelo ngokwayo, ngoko awuyi kuhlawula irhafu yengeniso kule mali xa uyixotha. Ngama-401 kuphela (k) amalungiselelo avumela emva kwentela 401 (k) iminikelo. Xa uthabatha umrhumo wakho werhafu emva kokuhlawula irhafu ungagqitywa kwiRoth IRA.
I-Roth 401 (k) Imirhumo - kunye neRoth 401 (k) inxaxheba ngemali ingena emva kwentela, kwaye ikhula ihlawula irhafu. Ukuba nemali kwi-akhawunti ye-Roth kunokuba luncedo kuwe xa usuhlala phantsi, njengoko imali ehoxisiwe kwiRoth yakho ayihlawulwanga, kwaye ayifakiwe kwifom ecacisa ukuba ingeniso yakho yeNtlawulo yeNhlalakahle iya kuhlawulwa. Iminikelo ye-Roth iyona nto ibaluleke kakhulu xa ungasekho kwibhanksi yerhafu ephantsi kunyaka owenza umrhumo kwaye ulindele ukuba ube kwi-bracket ephakamileyo yentela kamva xa uthabatha. I-Roth 401 (k) iminikelo yinto enokukhethayo xa unethuba elide lokuvumela imali ukuba ikhulise irhafu-ntlawulo, okanye ukuba sele unayo imali eninzi ngaphambi kokuhlawula irhafu kunye nemfuneko yokwakha imali engakumbi kwi-akhawunti yentela.
Ngokuxhomekeka kwibakethi yakho yerhafu, kunokuba kunengqiqo ukwenza i-tax1 401 (k) iminikelo kunye neRoth 401 (k) iminikelo. Ukucwangciswa kwentlawulo enhle kungenza umehluko omkhulu ekuncedeni ukuba unqume oko kukufanele.
Kwakhona, ukuba ingeniso yakho iyahlukahluka unyaka nonyaka, kunokuba kunengqondo ukutshintsha indlela oyigcina ngayo unyaka unyaka. Ngomnye umthengi we-estate agent, kwiminyaka engenamvuzo ophezulu senze ukuba enze u-401 (k) umrhumo kunye neminyaka engaphantsi kwenzuzo wenza iRoth iminikelo.
Ngamaxesha amaninzi kufuneka Ndiyitshintshe iNani enginayo?
Emva kokuba unqume ukuba ungakanani ukufaka isandla, uza kufuna ukuhlaziya imali ofaka kuyo kwi-401 (k) isicwangciso ukususela ngexesha ngexesha kuxhomekeke kwindlela yakho ingeniso yokutshintshwa kwendlela kwaye isicwangciso sitshintshe utshintsho.
401 (k) Iminikelo yabantu abazimeleyo
Ukuba usebenza ngokuzimeleyo, okanye ukuba wena kunye neqabane lakho ninomsebenzi ongekho nabasebenzi, unokumisela inguqu elula ye-401 (k) icebo elifuna ulawulo oluncinane kakhulu. Kukho iintlobo ezininzi zeeprojethi zokuthatha umhlala-phantsi kumashishini amancinci okukhethayo.
Umgca ogciniweyo ukonga imali kulungile, kwaye imali egciniweyo iya kuvulela amathuba kwixesha elizayo. Ngoko gcina ubuninzi ngangokunokwenzeka, kodwa yenza uhlalutyo ukucacisa ukuba ubuninzi bakho bendalo bufanele ukuba bangene kwi-401 (k) isicwangciso ngokubhekisele kwi-akhawunti yokulondoloza irhafu.