Ukutshala imali ngokusebenzisa yakho 401 (k)

Isikhokelo soMqalayo kwiintlobo ezahlukeneyo ze-401 (k) Izicwangciso

Ukuba uke wazibuza, " Nguyiphi i-401 (k) icebo? ", Impendulo emfutshane, elula ihla apha: I-401 (k) ayiyilo-mali. Luhlobo lweakhawunti eneenzuzo ezikhethekileyo ezikuvumela ukuba ube nobutyebi ngokutyalomali kwizinto ezinjengeemali eziphathekayo , amasheya , iimali zenkcazo , kunye netyala lokuthengisa imali . Kukho iintlobo ezahlukeneyo ze-401 (k) izicwangciso, ngasinye sinomdla kunye nezinto ezingathintekiyo ezivela kwimithetho yerhafu ukukhusela i-bankruptcy.

I-401 (k) Cwangcisa u-403 (b) icebo

Ukuba usebenza kwi-arhente karhulumente okanye engekho inzuzo, awuyi kufumana i-akhawunti ye-401 (k). Kunoko, unokufumana into eyaziwayo njenge-403 (b) icebo. Ukuze ufunde kabanzi malunga nalezi, funda Ukuqonda yakho 403 (b) Cwangcisa .

I-Roth 401 (k) Cwangcisa - I-New Twist kwi-Classic 401 (k)

Enye yezinto ezintsha ezenziwa yiRoth 401 (k). Uhlobo olukhethekileyo lwama-401 (k) luninzi lweenzuzo ezifanayo zeRoth IRA . Kuthetha ukuba unika imali kwicebo kwaye awufumani ukubhala igalelo kwerhafu kodwa awuyi kuhlawulwa irhafu kwerhafu yengeniso okanye irhafu yengeniso yemali kwimali, nokuba ikhula ukuya kwizigidi zeedola ngeli xesha uhlala phantsi! Ngokwemveli 401 (k), ngokuchaseneyo, iminikelo yerhafu echithwayo, kwaye uhlawula irhafu kuphela xa imali ihoxiswa.

Ibhizinisi elincinci 401 (k) - Ukhetho olugqibeleleyo lwabantu abazisebenzayo

Kubanikazi bamashishini amancinci okanye abo bazisebenzela ngokwabo, ukhetho oluhle lunokuba yi-Self Employed 401 (k).

Uhlobo olutsha oluthile lwe-akhawunti yomhlala phantsi, lunempawu ezininzi ezinokuba luncedo ngakumbi kubanini bamashishini abancinci kunokuba (okwangoku) eyaziwayo e-SEP-IRA.

Ukunciphisa Umngcipheko we-401 (k) Cwangcisa utyalo-mali

Xa utyalomali kwi-akhawunti ye-401 (k), kukho iingozi ezininzi ofuna ukuzama nokunciphisa.

Ezi ziquka:

• Ukutshala imali kwiSitoreli sakho somqeshi: Uyazi njani ukuba umqeshi wakho nguMcDonald's / Wal-Mart okanye i-Enron / Worldcom? Iibini zokuqala zenza abasebenzi babo batyebi kakhulu, ngelixa ezimbini zokugqibela zineziphumo ezipheleleyo zokuphelisa.
• Umngcipheko wokubeka imali eninzi kwi-401 yakho (k) iakhawunti ngasiphi na ixesha. Ingancitshiswa ngumsebenzi obizwa ngokuba yi- dollar indleko .
• Enye yemibuzo eqhelekileyo esibuzwayo kukuba: Ngaba kufuneka uthathe i-401 (k) Ingxowa? Impendulo incike kwiimeko ezahlukeneyo, kwaye kukho iinzuzo kunye nobungozi.
• Omnye umbuzo esivame ukufumana ukuba ungayifuni ukuqhubeka nokufaka isandla kwi-401 (k) iakhawunti ngokusekelwe kumanqanaba emakethi, mathuba emisebenzi, okanye nayiphi na inamba yezizathu. Kwinqaku ekhethekileyo, Ungaze Uyeke Ukunika Igalelo kwi-401 yakho (k) , sichaza isizathu sokuba ifilosofi ibe yiphutha elibi.

Yintoni eyenzekayo kum 401 (k) Xa Ndiyishiya?

Unokhetho oluninzi lwama-401 (k) xa ushiya umsebenzi. Into ekhangayo kakhulu yinto eyaziwa njenge-Rollover IRA evumela ukuba uthathe imali kwi-401 yakho (k) kwaye igcine ikhuselwe kwi-akhawunti ekhuselweyo irhafu. Ukuze ufunde kabanzi malunga nalo mcimbi okhethekileyo, funda Ukuqonda i-Rollover IRA yakho .