Indlela i-Solo 401 (k) / yokuzimelela 401 (k) Makugcine i-$ 50,000 okanye ngaphezulu konyaka
Idata ngokuqhubekayo ibonisa ukuba ama-50% abantu baseMelika abanamashishini okanye abaqeshwe ngabanye kwindawo ethile. Sisazi ukuba i-1 kwabama-25 baseMelika ingumgidi-mali, oku kuthetha ukuba oku-1 kuma-50 aseMerika ngumgidigidi owenza imali yabo ngokutyalombela kwinkampani yabo, ngokuqhelekileyo ukuqala ngokungabi nantoni ngaphezu kokusebenza komsebenzi kunye nokulondolozwa okuncinci ( ukuba banethamsanqa).
Ehlabathini apho inxalenye enkulu yabemi ikhona ngaphantsi kwama-$ 2 ngosuku, leyo yindlela ephumelelayo yokuphumelela, nangona isithuthi sinomngcipheko kunye nengozi (vele ubuze nabani na owake waphila ishishini kwaye waphoqelelwa ukuba ukuchithwa).
Esi sizathu sokuba sichitha izikhokelo zokubhala ixesha elininzi kwiinkampani ezinobunzima kunye nobudlelwane obunqongophele , ezi zimbini iindlela ezifanelekileyo zokufumana ishishini lentsapho yakho. Kodwa enye inketho engacatshangwanga yinto ebizwa ngokuba yiSolo 401 (k) okanye i-Self-Employed 401 (k). Ngokungafani neRoth 401 ngokuqhelekileyo (k), umnini-shishini ngumqashi kunye nomqeshwa. Ngenxa yoko, unokunikela inkunzi engama-49,000 kwii-401 (k) ezicwangcisiweyo kulo nyaka, ukususa yonke loo nto kwiirhafu zabo zerhafu!
Ukuzimelela 401 (k) kunye neSolo 401 (k) izicwangciso azilungele wonke umntu
Ewe, umntu oqeshwe ngokuzimeleyo 401 (k) okanye i-solo 401 (k) isebenza kuphela ukuba uqhuba ishishini ngokwakho okanye kunye neqabane lakho kuba bonke abasebenzi kufuneka baphathwe ngokulinganayo.
Ukuba ubuya kuqesha omnye umntu, uya kunyanzeliswa ukuba uwanike icebo elifanayo lomhlala phantsi, okungenakwenzeka kwishishini elincinci. Ngayiphi indlela, ngezinye iintlobo zentengiso-ncinane yezo shishino, izicwangciso zomhlala-phantsi zingaba ziindlela ezintle zokubeka eceleni imali eninzi yemali yakho yegolide, ongayifaka imali kwiimpahla , iibhondi , kunye neendawo zokuhlala , ikakhulukazi esitshatileyo sibini.
Baya kunqumla imali engama-98,000 ngamawaka ngonyaka ngokulondoloza umhlala-phantsi, ukugcina loo mali ingaphaya kokufikelela kwerhafu yengeniso kwiminyaka emashumi!
Nantsi indlela eya kusebenza ngayo. Yithi indoda nomfazi baqalise ishishini labo elincinci. Ngexesha abaneminyaka engama-35 ubudala, bafumana i-$ 500,000 ngonyaka ngaphambi kweerhafu ezivela kwinkampani (oku kuya kwenza ukuba kuthelekiswe nokuba ne-franchise yehotele ye-tier efana ne-Hampton Inn okanye i-Holiday Inn Express kwisixeko sakwa-50,000 abantu abayi-100,000). Oku kusuka kwindlela ephuma kwi-Wall Street kunye nee-radars ze- equity fund kuphela kodwa ngaphakathi kwi- classist yeklasi .
Umzekelo wendlela u-Self-Employed 401 (k) icebo okanye iSolo 401 (k) isenokusetyenziswa
Ukuba eso sibini sakha ikhampani ejongene nemfanelo ehlukeneyo ukuba isebenze njengomtyalo-mali olawulayo kwishishini labo elincinci, ngokokuba bebodwa abaqeshwa beenkampani eziphathekayo, banokubeka i-$ 98,000 ngonyaka ngonyaka we-401 (k) kwisicwangciso somzali . Oku kuya kunciphisa imali engenayo ehlawulwa irhafu kwii-402,000 zamaRandi. Akunjalo kuphela, ukuba baqhubeka besebenza iminyaka engama-30 ukuya kwimi-40, yonke loo mali yayiza kuhlala kwiindawo zokukhusela ezikhuselekileyo ze-401 (k) iakhawunti, ifumana izabelo , inzala , inzuzo kunye nenzuzo ngaphandle kokuhlawula ipenithi enye irhafu ize ihoxiswe imali.
Oko kuthetha ukuba imali eninzi isebenzayo kwaye ihlanganiswe nabo ngexesha elide kakhulu.
Enyanisweni, ukuba bafumana i-8% kwimali yabo kwaye baqhubeka befaka imali-mali kwiminyaka engama-35 de kubekho abangama-70, abadibeneyo abangama-401 (k) beza kuba ne-$ 16,887,046 engama-$ 16,887,046 bemi befuna ukulondoloza imali yabo yomhlalaphantsi. Xa bekhipha imali, babeza kuhlawula irhafu yengeniso njengesiqhelo.
Oku akudingi i-genius kwaye akukho mntu ngaphandle kwentsapho yabo uya kuba nolwazi lwamagama alaba baqeshi bamashishini abaphumeleleyo. Baya kuhlala kwiidolophu eziqhelekileyo baze baqaphele ngokupheleleyo. Ngokuqinisekileyo, siyazi ukuba abanini banini-bhishini abanamashishini abenzi nantoni na i-$ 500,000 ngonyaka. Izibizo, zenza phakathi kwe-$ 50,000 kunye ne-100,000. Bahlala nje ngeendlela zabo kwaye bakhe ixabiso lentengiso yabo. Emva kwexesha, liqala ukulinganisa into ethile.
Nguwo uhlobo lwemali esebenza ngayo.
Uyakufuna ukuxoxa ngezicwangciso zakho kwiSolo 401 (k) okanye kwi-Self Employed 401 (k) icebo kunye ne-akhawunti ehloniphekileyo, ehloniphekileyo ukuqinisekisa ukuba awuphuli nayiphi na imithetho kwaye uvumelekile.