Cinga zonke iinketho ngaphambi kokuba uthathe ukusabalalisa ubunzima.
Ukufumana ukuba isicwangciso sakho sivumela u-401 (k) ukuhoxiswa kobunzima uya kulufuna ukuthetha nomlawuli wakho wecebo, okungenzeka kube ngumntu kwisebe labasebenzi okanye inzuzo, okanye unokufowunela inombolo yocingo kwi-401 yakho (k) cwangcisa ingxelo yeakhawunti.
Iingxaki zobunzima
Ukuba i-401 (k) isicwangciso sakho sivumela ukuxothwa kobunzima ukuba ngaba kuya kuba esinye sezizathu ezintandathu apha ngezantsi:
- Iindleko zonyango ezingalindelekanga
- Iindleko eziphathelene nokuthengwa kwekhaya
- Imfundo kunye neendleko zemfundo ezihlobene kunye neendleko
- Iintlawulo eziyimfuneko ukukhusela ukukhutshwa, okanye ukuvalwa kwendlu yakho
- Ukungcwaba okanye iindleko zomngcwabo
- Iindleko zokulungiswa komonakalo ekhaya lakho
Imirhumo kwi-401 (k) Ukukhutshwa kobunzima
Uya kuhlawula irhafu kwixabiso othabathayo ngendlela yokuhoxiswa kobunzima. Ukongeza kwerhafu yengeniso rhoqo, uya kuhlawula irhafu yentlawulo ye-10%. Unako ukukhusela irhafu yentlawulo ye-10% xa udibana nenye yezinto ezilandelayo:
- Ukhubazekile
- Ityala lakho lezonyango lidlula i-7.5 ekhulwini lomvuzo wakho opheleleyo
- Ufunwa ngumyalelo wenkundla ukuba unike imali kumlingane wakho oqhawule umtshato, umntwana okanye umntu oxhomekeke kuye
Ukuba awufanelanga ukuba ube yinto ekhethekileyo kwerhafu yentlawulo, kufuneka ucwangcise ukuba okungenani ama-30 engama dollar oyichithayo uya kuhlawula irhafu. Ukuba uthatha i-$ 1,000, emva kwentlawulo ungayifumana i-$ 700.
Ukuba uneminye imithombo, njengengxowa- mali engxamisekileyo , engasetyenziselwa ukuhlangabezana neemfuno zakho zezezimali ngoko kukulungele ukusebenzisa loo maxabiso kuqala kwaye usebenzise i-401 (k) ukuhoxiswa kobunzima kuphela ukuba kukho okokugqibela ukhetho olukhoyo.
Ubungqina bokuba nzima
Ukuze ufaneleke njengobunzima, kuya kufuneka uchaze imeko yakho kwi-401 yakho (k) isicwangciso somlawuli.
Uninzi lwexesha abanokuyinquma ukuba bacinga ukuba iimeko zakho zifanelekile njengobunzima, kodwa i-401 (k) izicwangciso zingadinga ukuba kufakwe uhlobo oluthile lwamaphepha. Buza i-401 yakho (k) isicwangciso somboneleli ngento abayifunayo njengobungqina bokuba nzima.
Ngaphambi kokuba uthathe ukukhutshwa kanzima
Abantu abaninzi abazi ukuba 401 (k) imali ikhuselwe kubabolekisi kwaye ikhuselwe kwi-bankruptcy. Ukuba uhlangabezana nobunzima bezezimali kwaye ucinga ukuba unokuphelisa ukufakela i-bankruptcy musa ukukhupha i-401 (k) isicwangciso sakho. Ababolekisi bakho kunye nenkundla ye-bankruptcy ayikwazi ukuthatha i-401 yakho (k) icebo lemali.
Kungaba ngcono ukuboleka imali kunokuba uthathe u-401 (k) ukuhoxiswa ubunzima. Abantu abaninzi banokukhangela imali engama-401 (k) icebo okanye bathathe ukuxothwa kolukhuni ukuhlawula iindleko zonyango xa i-401 (k) imali iya kukhuselwa kulabo babolekisi. Zama ukusebenzisa isicwangciso sokuhlawula umboleki ngaphambi kokuba uthinte imali yesicwangciso somhlalaphantsi.
Emva kwakho Thatha i-401 (k) Ukukhutshwa kobunzima
Kwiinyanga ezintandathu emva kokuba uthathe i-401 (k) ukuhoxiswa kanzima, awuyi kuvunyelwa ukuba unikele ngemali kwi-401 (k) isicwangciso. Awuvunyelwe ukuba ubuyisele imali yokuxothwa kweengxaki, kodwa unokuqhubeka nokufaka isandla (emva kweenyanga ezintandathu) ukuya phezulu kuma-401 (k) umda wokunikwa umnikelo wonyaka.
401 (k) Ukukhutshwa kobunzima okanye 401 (k) Inkcitho?
Xa uboleka imali kwi-401 yakho (k) isicwangciso ungawuhlawula emva kweminyaka engamahlanu, kwaye umdla owuhlawulayo ubuya kwi-akhawunti yakho. Ngexesha othabatha u- 401 (k) umbolekiso weprojekthi , awuyi kuhlawula irhafu kwixabiso olibolekayo. Ukuba awuyi kubuyiselwa imali epheleleyo ebolekelwe ngokwesiqhelo sokuhlawula ngoko nayiphi na imali esele isalayo iya kuba yintlawulo ehlawuliswayo kwaye ingaxhomekeke kwi-10% yeerhafu yokuqala yokurhoxiswa kwerhafu xa ungeneminyaka yobudala 59 / 2.
Ngenxa yezi ngxabano, i-401 (k) isicwangciso-mboleko sivumela ukulungelelanisa okungaphezulu kwe-401 (k) cwangcisa ukukhutshwa kobunzima.