Ulahlekelwa ngu-401 wakho (k) Ukudibanisa Imali ephantsi kakhulu yokuthatha umhlalaphantsi
Ukufumana umrhumo ohambelana nomqashi wakho uncedo olongezelelweyo lokugcina kwi-401 yakho (k). Ngelishwa, akuyena wonke umntu osebenzisa umdlalo wecwangciso.
Ngokutsho kwe-Wells Fargo ka-2017 yeProducative Plan Health Report, i-37 ekhulwini leminyaka eyi-millennials, iipesenti ezingama-31 zeGen Xers kunye neepesenti ezingama-25 ze-Baby Boomers azilondolozi ngokwaneleyo kwi-401 (k) ukuzonwabisa. Ukuqonda ukuba iindleko ezinokuthi zinokuba njani kunokushukumisela ukunyusa umdlalo wakho wokugcina.
Ngama-401 (k) Imisebenzi ehambelanayo
Akukho mgaqo oqhelekileyo wokuba bangakanani abaqeshi abanokulingana kwi-401 (k). Kwaye abanye abaqeshi abanikeli umdlalo nonke. Ngokomyinge, nangona kunjalo, umdlalo oqhelekileyo uyi dollar-to-dollar, ukuya kwiipesenti zokuqala ezi-6 kwiminikelo yabasebenzi. Ngamanye amagama, kufuneka ugcine ubuncinane ubuncinane iipesenti ezi-6 zomvuzo wakho kwisicwangciso sakho ukuze ujonge umdlalo weepesenti ezingama-100.
Ngokutsho kwe- Vanguard ka-2017 Indlela iMelika iNgxelo ngayo , ama-36 ekhulwini yabasebenzi ahlenga ama-3.9 ekhulwini okanye ngaphantsi kwiiplani zenkxaso ezichasiweyo ngo-2016. Iingamashumi amabini anesithathu zanikela ngegalelo phakathi kwama-4 ne-6 ekhulwini, ebonisa ukuba abasebenzi abaninzi abanakukwazi ukuqonda ngokupheleleyo izicwangciso zabo.
Ngoko ke luphi uhlobo oluchaphazelekayo olungadlala kulo mdlalo onalo lokugcina umhlalaphantsi?
Yintoni engama-401 (k) Umdlalo oxabisekileyo?
Cinga ukuba uneminyaka engama-30 ubudala, wenze $ 50,000 ngonyaka. Ugalela iipesenti ezi-3 zomvuzo wakho kwi-401 yakho (k), kunye neepesenti ezi-2 eziphakanyiswayo ngonyaka. Utyalo-mali lwakho ufumana iipesenti ezi-7 zonyaka wokubuyisela ngokulinganayo.
Ukuba umqeshi wakho ulingana neepesenti eziyi-100 zeminikelo yakho ukuya kuma-6 eepesenti yokuqala yomvuzo wakho, unokufumana ama-dollar ayi-540,000 agcinwe ngomhlalaphantsi ngo-65 ubudala.
Akulunganga kodwa qwalasela ukuba amanani atshintsha njani xa ukwandisa izinga lokumisela ukukhethwa kwee- 6 kwipesenti, kunye nomdlalo ofanayo nomqeshi. Ngomlinganiselo ofanayo wokubuyela kwixesha elifanayo, i-401 yakho (k) iya kukhula ibe malunga ne-1.1 million yezigidi. Oko kukukhuthaza kakhulu ukunyusa umnikelo wakho ubuncinane ukwanele ukufumana umdlalo opheleleyo.
Ukufumana umdlalo ukwandisa ukonga kwakho kuthetha iimpahla ezingaphezulu ukuze usebenzise umhlala-phantsi kwaye kunokukunceda utyalo-mali lwakho luqhubeke nomlinganiselo wokunyuka kwamaxabiso . Ngokutsho kwe-LIMRA, izinga lokunyuka kwamaxabiso e-2 ekhulwini ngaphezu kweminyaka engama-20 lunokunciphisa amandla okuchitha utyalo-mali lwakho nge-$ 73,000. Ukufumana ngaphezulu kwi-401 yerhafu (k) kunokunceda ukunciphisa impembelelo yexabiso lentengo kumhlalaphantsi.
Yazi indlela uMatshini wakho osebenza ngayo
Ulungelo lomdlalo opheleleyo kwi-401 yakho (k) idinga izinto ezimbini: ulwazi malunga negalelo lakho elihambelanayo negalelo kunye nokuzimisela ukulungiswa kwezinga lakho legalelo.
Ngokomzekelo, ngelixa idola-do-dollar ukuya kuma-6 ekhulwini ingaba ngumdlalo oqhelekileyo, andiyiyo kuphela icebo elifanayo elikhoyo .
Ezinye izicwangciso, umzekelo, zilingana neepesenti eziyi-100 zeepesenti zokuqala ezi-3, kwaye ke i-50 ekhulwini yeepesenti ezilandelayo ezi-3. Kukho ezinye iiplani zinokunikela ngegalelo lepesenti, kungakhathaliseki ukuba ungakanani kwisicwangciso. Ukwazi indlela isicwangciso sakho esisebenzisa ngayo kunokukunceda wenze uhlengahlengiso kwindlela ogcina ngayo.
Ukwenyuka ngokuzenzekelayo i-401 yakho (k) Ukugcina imali
Ukuba ubuye uphonononga isicwangciso sakho kunye nesilinganiso sakho sokumisa kwaye usweleka, ukunyuka kwamanzi kukuncedisa ukuba ufinyelele igalelo lakho ekujoliswe kuko ngexesha. Ukukhula ngokuzenzekelayo kubandakanya ukunyusa igalelo lakho kwi-401 yakho (k) ngamaphesenti athile ngonyaka. Oko kuthatha ilahleko ekufuneka uyikhumbule ukutshintsha isicwangciso sakho kwaye ukuba ukwanda kwonyaka kuhambelana nokunyuswa kwonyaka ngokwexabiso elifanayo, mhlawumbi ungaphuthelwa nayiphi na imali eyongezelelweyo ephuma kwi-paycheck yakho.
Ukwenyuka ngokuzenzekelayo kungaba yindlela enamandla yokusebenzela ukufumana umdlalo ngokuhamba kwexesha. Uphando oluvela kwi-Fidelity Investments lubonisa ukuba i-401 (k) izilinganiso zifikelele kwixesha elide lama $ 92,500 ngokwemyinge kwikota yesine ka-2016. Ukunyuka kwakukholelwa ukuba kubangelwe inxalenye ekusebenziseni ukunyuka kwamanani kwabasebenzi.
Ukuba isicwangciso sakho asinikezeli ukunyuka kwemoto njengendlela yokukhetha, unako ukufikelela kwisicwangciso somlawuli wakho ukulungelelanisa umyinge wakho wegalelo unyaka ngamnye. Hlaziya uhlahlo lwabiwo-mali kuqala ukuze uqinisekise ukuba unako ukukwazi ukunyusa umrhumo wakho. Emva koko, umbandela malunga nokuba uya kufumana ukuphakanyiswa. Ukusuka apho, unokwazi ukuba ungayongeza kangakanani kwisicwangciso sakho.
Khangela ngaphaya kwe-401 yakho (k)
Khumbula, kukho imida ekungakanani ongayigcina kwi-401 (k). Ngo-2017, umda wenkxaso yonyaka ngu-18,000, okanye i-$ 24,000 xa uneminyaka engama-50 okanye ngaphezulu. Ukuba unako ukutshitshisa loo mda ngamnye kunyaka-okanye ukuba u-401 (k) awunikeli umdlalo-ungagcina kwi-akhawunti yomhlala phantsi. Imveli okanye iRoth IRA inika iintlawulo zerhafu ngomhlalaphantsi kunye neminye indlela yokongeza imali yakho. Awuyi kuzuza inzuzo ehambelanayo.