Nangona Ngexesha leNkqubela yeMali, Kuqikelele Ukuqhubeka Uxhaswa NgeSicwangciso Sokuthatha Umhlala-phantsi
Andivumi. Nasi isizathu sokuba uhlale uhlala-kwaye ndihlala ndithetha-nxaxheba kwi- 401 yakho (k) , nokuba ngaba uhamba emva kweebhilikhwe zakho. Makhe ndiphinda: Awuyeke ukunikela kwi-401 yakho (k) ukuba kukho nayiphi na indlela onokukunceda ngayo, kungakhathaliseki ukuba kunzima kangakanani ukukhathazeka kwemali.
Ukukhululeka apho abantu banokufikelela khona kwi-401 (k) imali, kunye nentlawulo yeerhafu ye-10% apho abaninzi banokukhwabanisa , yenye yezona zizathu zokuba inkqubo yomhlala-phantsi yaseMelika isengozini. Kwiintsuku ezindala, awukwazi ukuhlaselwa ngesikhwama sakho somhlala-phantsi kungakhathaliseki ukuba izinto ezinzima ziba njani. Ngoku, abantu bajika kwiakhawunti zabo, behlala bebhanki ukuze bakwazi ukuzalisa imali ngexesha elizayo. Yona yintlekele.
Nazi ezinye zezizathu eziphambili zokugcina inxaxheba kwi-401 yakho (k) isicwangciso nangona ufumana ubunzima bezezimali:
- Igalelo kwi-401 yakho (k) idla ngokukhangela irhafu. Ngamanye amazwi, ingeniso yakho yerhafu iyancitshiswa, ngoko ugqiba ukuhlawula ngaphantsi irhafu. Ukuba esikhundleni sokuba ukhethe ukungabikho kwezo dola ngaphandle, oorhulumente baseburhulumenteni kunye noorhulumente baya kuthatha i-chunk enkulu yomvuzo wakho kwiirhafu zerhafu. Awuyikuphela kuphela ngemali encinci kwi- akhawunti yakho yomhlalaphantsi , uya kugqiba ngemali encinane esandleni sakho namhlanje. Kufana nokubulala inkukhu inyama ngoku xa uhlala kwiiqanda ixesha elide.
- Abaqashi abaninzi banikela ngeminikelo ehambelanayo nemali efakwa kwi-401 (k) ngabasebenzi. Ukuba iqumrhu lakho liza kunika, tshela, umlinganiso wama dollar-to-dollar kwi-3% yokuqala yomvuzo, umntu owenza i-$ 40,000 ngonyaka angayifumana i-$ 1,200 eyongezelelweyo kwi-tax tax-echaziweyo-nje ngokunikela ngemali kwi-401 (k ). Ukuba unqamle, awuyi kuhlawula irhafu ephezulu esixoxe ngayo nje ngomzuzu nje edlulileyo, kodwa uya kulahleka le mali ngonaphakade.
- Ukuba unamahloni ngokwaneleyo ukuba uvakalise ukutshatyalaliswa kwebhanki, inkundla ezininzi ziya kukhusela iakhawunti yakho yomhlalaphantsi , kuquka 401k yakho. Oko kuthetha ukuba imali ebekwe bucala iya kuhlala apho i-asethi yakho yonke ichithwa okanye ihlelwa kwakhona. Ukuba unenkxalabo, kufuneka ufune ukubeka ubuninzi kwiindawo ezikhuselekileyo, ngaphaya kokufikelela kwabaninzi bemboleko. Ngaloo ndlela, ukuba uphelile, unethuba elihle ukuqala phambi komdlalo kunye notyalo-mali ophelisa imali engenayo kuwe.
- Kwixesha elingaphezu kwexesha elide, iintlawulo zerhafu ezifumanekayo yi-401 (k) zingabangela ubutyebi obukhulu kunokuba ubube ubambe iibhokhwe zakho okanye iimali eziphathekayo kwi- akhawunti ye-brokerage . Ukuba unqamle ugalelo kwi-401 (k) isicwangciso sakho, ulahlekelwa lixesha lonke lexabiso lemali eliqulunqayo eliya kuthi.