Isingeniso esisisiseko kwi-Rollover IRA
Ukuba ufumana imali engama- 401 (k) ukutshala imali kwi-Rollover IRA kubaluleke kakhulu ukuba uzalise inkqubo kule mihla engama-60. Ukuba ulahlekelwa lo mhla wokugqibela, uya kuba phantsi kweentlawulo ezinkulu.
Kwintsapho yam, esinye sezihlobo zam sashiya umsebenzi kwi-airline enkulu kwaye savula i-Rollover IRA kunye noCharles Schwab. Wasebenzisa imali ukutshala imali kwizabelo zaseBerkshire Hathaway. Oku kwakungeke kwenzeke ukuba wayesebenzela kwisicwangciso somqeshi wakhe omtsha, apho bekuza kufuneka akhethe phakathi kweemali ezixhaswa yi-plan entsha.
Inkqubo yokuvula i-Rollover IRA ilungele ngqo, kwaye kukho iifemu ezininzi ekufuneka zikhethe. Isizathu esasisebenzisa iSchwab kukuba kuba neengcali ze-rollover ezinyamekele zonke iinkcukacha. Ezinye iifenethi zemali zinikela ngemali yokukhuthaza imali (ngexesha elidlulileyo, ndibonayo iqumrhu linikezela ibhonasi yemali eyi-$ 500 yokudlulisela i- 401 enkulu (k) kwi-Rollover IRA).
Ziziphi iingxaki ze-Rollover IRA xa kuthelekiswa ne-401 (k)?
Nge-Rollover IRA kukho amashumi amawaka enotyalo-mali. Kwalabo abangenayo imvelaphi yemali, oku kunokuba nzima. Ingakhombisa kwakhona isilingo sokuthengisa rhoqo, oko kunokubangela iindleko ezinkulu zokungqubuzana kunye neentlawulo eziphantsi.
Kwakhona, unokusebenzisa kuphela i-Rollover IRA kanye ngonyaka.
Yintoni Ongayenza Ngamacebo Asulelo Lomhlala-phantsi Ukuba Uyeka okanye Ulahlekelwe Umsebenzi Wakho
Umsebenzi wexesha lokuphila ootatomkhulu owake waphila, ngokudabukisayo, akusasakhoyo kwizoqoqosho lomhlaba jikelele ukhuphiswano. Ngenxa yobuninzi bezenzo zangoku kunye nekamva, iingxaki zilungile ukuba ngethuba elithile ebomini babo, ziza kumshiya umqeshi wazo ngoku ngenxa yokunciphisa inkampani, ukukhupha ngaphandle, ukupheliswa, okanye ukusukela amatsha amatsha. Kungenzeka nokuba bayayeka ngenxa yokuba abanakujamelana nethuba lokubuyela emsebenzini.
Ukuba umqeshi wakho unikezela isicwangciso somhlala-phantsi seenkampani ezifana ne- 401 (k) , kwaye ufumanisa ukuba awusetyenziswanga ngenxa yezizathu ezikhankanywe ngasentla, unokhetho oluthile malunga neempahla ozityalombileyo kwingqesho yakho. Bazi:
- Ukuhlawula imali kwaye uthabathe imali, uhlawule izigwebo ezinkulu zerhafu kwi-IRS. Ngokuqhelekileyo yiphutha elikhulu kuba ulahlekelwa yindawo yokukhusela irhafu kwi-akhawunti ekhuselekile (umz., Ukuba wenze i-$ 500 kwizabelo ezivela kwiimpahla ezigcinwe kwi- akhawunti yomhlala phantsi , mhlawumbi awuyi kuhlawulwa nayiphi irhafu kuloo mali kwiminyaka emashumi, ukuba ngaba, nangona ukuba ubambe isitotyala kwi-akhawunti engapheliyo yomhlala phantsi, uza kufakwa irhafu ngamnye ngonyaka).
- Hambisa imali kwisicwangciso sakho somqeshi sangoku kumqeshi wakho omtsha we- 401 (k) isicwangciso . Ngakolunye uhlangothi, ukudluliselwa kulula kakhulu kwaye kugcina impahla yakho idibene. Ngakolunye uhlangothi, uya kuthobela ukukhetha okwenziwe ngumqeshi wakho omtsha. Oku kungabikho mngcipheko kubalimi-mali abayaziyo ukuba yiziphi iimpahla ezifuna ukuzenza, okanye ukuba umqeshi wakho omtsha unikezela ukuqokelela ukhetho lwezentengiso ezingenelisekile njengoko zinikwe ngumqeshi wakho wangaphambili.
- Vula i-Rollover IRA kunye ne- firmware ye-brokerage kwaye unayo imali evela kwi- 401 yakho yakudala (k) ifakwe kwi-akhawunti. Awuyi kuqhubeka ufumana ukukhuselwa kwentlawulo ye-akhawunti yomhlala phantsi, kodwa uya kukwazi ukutshala imali malunga naso nasiphi na isitokisi , isibophelelo , isikhwama sokubambisana , ukugcinwa kwetyala lokuthengisa imali , okanye olunye ukhuseleko olukhoyo kwi- broker yakho.
Ukufumana ulwazi oluninzi malunga nezicwangciso zomhlala phantsi, funda i- Intro ukuya kwi-401 (k) , i-IRA yeNdabuko kunye ne- Roth IRA . Bangakwazi ukuchaza imingcele yemirhumo, iintlawulo, ezinye iingcambu zerhafu onokufuna ukuziphepha, nokunye okuninzi.