Plans Savings Plans

Gcina kwiRhafu ngokuSebenzisa iiNkqubo zokuSindisa eziThengisiweyo

Ukulondoloza umhlala-phantsi ngumsebenzi wobomi. Ukulondoloza okuninzi njengokuba unakho ngoku kuya kuhlawula ngentlawulo ephantsi ngoku, kunye nempahla ephezulu yomhlalaphantsi kamva. Kukho iintlobo ezahlukeneyo zerhafu ezikhuselekileyo ongayisebenzisa ukuqokelela ukugcina imali yomhlalaphantsi. Isicwangciso ngasinye sinemithetho yaso ekhethekileyo yokumisela oko kuhlawulwa ingeniso ehlawulwayo. Masiqale ngokuhlaselwa kwezicwangciso zokuthatha umhlalaphantsi ezisisiseko ukuba wonke umhlawuli-ntlawulo kufuneka azi.

Ama-Akhawunti aMhlala-phantsi ngamnye yindlela enkulu yokugcina umhlalaphantsi, kwaye nawuphi na umhlawuli werhafu ofumana imali engenayo (ukusuka kumvuzo okanye umsebenzi wokuzimela) unokuxhasa i-IRA. Igalelo lakho le-IRA lingahlawulwa irhafu. Kukho i-Traditional (deductible), i-Roth kunye nee-IRAs ezingekho phantsi. Yiyiphi enye eyona nto ibhetele kuwe kuxhomekeke kwingeniso yakho, ingaba uhlanganiswe yiplani yomhlalaphantsi yomhlalaphantsi emsebenzini, nokuba ngaba ukhetha ukuncitshiswa kweerhafu ngoku okanye imali engenayo irhafu kwimali yomhlalaphantsi.

• IIras zeNdabuko eziDeductible
• Roth IRAs
• I-Roth IRAs yemveli
• IRA Imingcele yoNyaka ka-2013

Abaqeshi bahlala banika 401 (k) izicwangciso zokulondoloza njengenzuzo kubasebenzi. Abathathi-nxaxheba bangasindisa ukuya kwii-18,000 zamawaka ngonyaka kwiminikelo ehlawulwe irhafu. Yonke idola oyibekayo inciphisa umvuzo wakho ohlawulwayo, ngaloo ndlela unciphisa irhafu yakho. (Umyinge i-$ 24,000 ngonyaka xa uneminyaka yobudala engama-50 okanye ngaphezulu.) Umqeshi kaninzi uhlinzeka ngemali ehambelanayo, encedisa abasebenzi ukuba bakhulise imali yokugcina umhlalaphantsi ngokukhawuleza.

Ukukhupha i-401 yakho (k) yinqanaba lokuqala lokuqinisekisa ukuba ulondoloze ngokwaneleyo ukuthatha umhlalaphantsi.

• Ukwazisa kwi-401 (k) Izicwangciso
• Roth 401 (k) kwi-IRA
• 401 (k) Imida yoNyaka