Ukuqwalasela zonke iintlobo ezahlukeneyo zeakhawunti yomhlala-phantsi kunokufumana udibaniso oluncinane. Ngazo zonke ezi zikhetho, apho ufanele uhlasele khona idola lakho lomhlalaphantsi?
Ukhetho olwenzayo luxhomekeka kakhulu kwiimeko zakho zezemali, ngoko akukho myalelo onzima wokukhawuleza wakho wokugcina umhlalaphantsi. Kodwa kukho ulawulo lwesahlulo esithathu senqwelwana eya kusebenza kubaninzi abasindisa.
Nantsi:
- Ukuba umqeshi wakho unika i-401 (k) inkqubo ehambelana nayo, unqande kakhulu into oyifunayo kwi-paycheck yakho ukuya phezulu kumdlalo.
- Ukuba unako ukugcina ngaphezulu, yibeke eRoth IRA.
- Ukuba uphuma ngaphandle kweRoth IRA yakho, buyela ku-401 (k) yakho kwaye unamathela ngaphezulu kwi-paycheck uze udibanise loo nto.
Ndiyifumene? Kulungile. Nantsi ke le ndlela yindlela yokuhamba nedola lakho lomhlalaphantsi.
401 (k) Ukulingana
Oku kukhethwa okokuqala. Ngoba? Ewe, kuba ikhululekile imali, kwaye awufuni ukuchasa ukuba ukhulule imali. Ingaphezulu kwesiqingatha sabaqeshi iya kufana nenye inxalenye yabasebenzi bayo 401 (k) ukulondolozwa. Ngokuqhelekileyo oku kuthatha uhlobo lwe-dollar-to-dollar match - apho umqeshi afana neepesenti ezili-100 zeminikelo yakho ukuya kwipesenti ethile - okanye umlinganiselo wepesenti, apho umqeshi afana nepesenti (ngokuqhelekileyo ipesenti) ezingama-50 ukunyima ukuya kwipesenti ethile.
Ngokomzekelo, masithi umqeshi unikezela ukulinganisa ama-50 epesenti yeminikelo ukuya kuma-6 ekhulwini.
Ngoko oko kuthetha ukuba ukuba wenza i-$ 100,000 ngonyaka, kwaye unqanda iipesenti ezingama-6 (i-$ 6,000) kulo 401 (k) wakho, umqeshi uya kukhaba ngee-3 ezongezelelweyo (i-3,000 zamawaka), ukuzisa imali yakho engama-$ 9,000 ngonyaka.
Kwakhona, le yimali yamahhala. Fumana ukuba ipesenti yomlingani wakho ngumqeshi, kwaye yenza oko okumele ukwenze ukuze ukhulule loo nto .
(I-caveat apha apha kukuba umnikelo wakho ohambelanayo nomqeshi ngowakho kuphela xa uhlala nekhampani ixesha elithile-le nto ichazwe yinto eyaziwa ngokuba yi- shedding schedule . Ngoko ukuba ungacingi ukuba ubude lakho elitsha nkampani, uze uqaphele ukuba ezinye zeemali ziza kutshabalala xa uhamba kusasa.)
Roth IRAs
Unokugcina imali engama-18,000 ngonyaka ngonyaka wama-401 (k), kodwa asiyi kuba yinto engaphezulu - ubuncinane, kungekho. Endaweni yoko, xa usugcine into oyifunayo ukukhupha umlinganiso womqeshi, uya kubeka ingqalelo kwiRoth IRA.
Abacwangcisi bemali kunye neemali zezemali zabo zivame ukucula iingoma zeRoth, kunye nesizathu esihle. Nangona akukuvumeli ukuba uthathe i-tax deduction yangaphambili njenge-IRA yendabuko, unako ukurhoxisa kuyo ngaphandle kwentlawulo xa ususe umhlalaphantsi. Kwaye ngeendlela ezininzi yindawo yokuhlala yokuhlala . Njengoko i-Investment for Beginners Expert ithi:
"NgeRoth, awuhlawuli irhafu kwi-dividends yakho engenayo. Awuhlawuli irhafu kwi-capital income yakho. Awuhlawuli irhafu kwiholo lakho lomvuzo. "
Kwakhona kunika nokuguquguquka, njengoko iRoth IRA inemithetho engakumbi yokurhoxisa ngaphandle komzala wayo wesintu: Unako ukurhoxisa imali kuyo ukuze uthenge ikhaya lakho lokuqala, kwaye kwezinye iimeko apho imali ingasetyenziselwa ukuhlawula uncedo lwezonyango.
Oko kuthetha ukuba akudingeki ukhethe phakathi kokulondoloza umhlalaphantsi kwaye ulondoloze kwikhaya lakho lokuqala, kwaye liyakwazi ukukhonza njengengxowa-mali yongxamiseko.
Ungagcina ufike kwi $ 5,500 ngonyaka kwiRoth IRA. Ukuba unako ukukwenza oko, galela ubuninzi bonyaka.
Buyela ku-401 (k)
Masibuyele kumntu ocinga ukuba wenza i $ 100,000 ngonyaka. Ukuba umqeshi wakho unika ama-50 ekhulwini ahambelana nama-6 eepesenti kwiminikelo, ngokukhawuleza ukuba ngaphandle kubeka i-$ 9,000 ngonyaka, okanye iipesenti ezili-9 zomvuzo wakho. Yongeza kwi-Roth ye-RRA yegalelo ye-$ 5,500, kwaye u-$ 14,500, okanye i-14.5 ekhulwini yengeniso yakho.
Intle kakhulu! Kodwa kufuneka usindise okungenani i-20 ekhulwini yengeniso yakho . Kananjalo ukugcina okungakumbi kunokuba nefuthe elikhulu kwiqanda lakho lesidleke. Ngoko ukuba usenayo imali emva kokuba ukhulule iRoth IRA yakho, kufuneka ubuyele kule 401 (k) kwaye uncedise ngakumbi.
Usuvele umxube umlinganiso wakho womqeshi, ngoko ukufaka ipesenti yakho yempembelelo akuyi kukufumana imali eyimali. Kodwa i-401 yakho (k) isinikeza inzuzo ecacileyo yokuvumela ukuba ube negalelo leerhafu engaphambili kwerhafu yakho yomhlalaphantsi.
Isixa esiphezulu somsebenzi esinokufaka isandla kwi-401 (k) ngonyaka i $ 18,000. Ngoko ukuba umcebisi oye waxhamla umqeshi ohambelana nomrhumo we-$ 6,000 wonyaka angabiza u-401 (k) umboneleli kunye nokwandisa igalelo labo ngokufikelela kwi-12,000 eyamawaka ngonyaka. Oko kuza kuzisa imali yabo yonyaka ukuya kwii-26,500 zamaRandi. Futhi ukugcina ngaphezu kwekota yesholo sakho kuyindlela ephezulu yokutsala iinjongo zakho zokugcina umhlala-phantsi kwaye mhlawumbi ungasethatha umhlalaphantsi ekuqaleni.
Okukwintsusa
Isicwangciso segeyimu asiyi kufaka isicelo sawo wonke umgcini. Abanye abasebenzi abanakho ukufikelela kwi-401 (k) inkqubo ehambelanayo, kwaye kuxhomekeka kwiimeko zakho zezemali, izithuthi ezahlukeneyo zomhlala-phantsi zingaba zilungele ngakumbi kuwe. Kwaye ke, akubona wonke umntu onokukwazi ukukhupha ama-akhawunti abo abahlala phantsi. Kodwa ukuba ulwabiwo kwaye ubeka phambili phambili ukonga kwakho, khumbula ukuba uqale ngo-401 (k) ukulingana, uze uye kwiRoth IRA yakho, uze ufake nayiphi na imali eyongezelelweyo onako ukuyifumana kwi-401 yakho (k).