Umqashi Umqeshi Unokwenza I-401 yakho (k) Eninzi ngakumbi
Ndiyaqhubeka ndiva ukuba ndimele ndibe ngenawo umvuzo womqeshi kum 401 (k). Njani loo msebenzi?
Ewe, ukuba umqeshi wakho ufanisana naliphi na isabelo seminikelo yakho , kwiimeko ezininzi kunengqiqo kwimbono yezemali ukuzisebenzisa ngokupheleleyo. Ukungakuhoyi ukuba kuphelelwe yimali owanikwayo njengenxalenye yeenzuzo zakho. Enyanisweni, akuzona zonke iinkampani ezinikeza inkqubo ehambelana nayo.
Ukuba lakho liyenzayo, zibonele inhlanhla uze wenze okungakumbi. Nakhu okufuneka ukwazi malunga negalelo elilinganayo kwi-401 (k) icebo.
Umlingani wakho woMqeshi
Into yokuqala kufuneka ukwazi ukuba unjani umrhumo wakho umqeshi uzimisele ukufanisa. Oku kufuthi kuboniswe njengepesenti. Akukho mqathango 401 (k) umrhumo wenkxaso abaqeshi basebenzisayo ekubeni iinkampani zinokugqiba ukuba zininzi zokongeza kwisicwangciso somqeshwa. Omnye umqeshi oqhelekileyo unxulumene negalelo ngaphakathi kwe-401 (k) izicwangciso ngumdlalo wama-dollar-to-dollar umqeshi ukuya kwi-6% yokuqala yomvuzo. Oko kuthetha ukuba nganye idola unika isandla kwi-6% yomvuzo wakho, umqeshi wakho uncedisa into efana nelo galelo.
Nangona kunjalo, akuyena umdlalo we dollar-dollar. Abaqeshi abaninzi bafanisa idola nganye eniyifaka nge $ 0.50. Oko kuthetha ukuba ukuba unika i-6% yomvuzo okanye ngaphezulu, ufumana i-3% eyongezelelweyo kumqeshi wakho.
Le mi phefumlo enenhlanhla efumana idola ye dollar kuyo yonke idola abayifakayo kufuneka ibale iintsikelelo zabo kunye nemali yabo.
Ukukhangela: Imilinganiselo yomlingani wakho womqeshi
Ukukhangela apho ukulingana nomqeshi kuthatha into encinci. Ukukhangela ukufikelela okufuneka ufumane umdlalo opheleleyo emva kwexesha. Ukuba uthe wagunyazwa ngokupheleleyo, umqeshi wakho ohambelana neengxowa-mali uyakho.
Ukuba ushiya inkampani, unokuthatha imali nawe. Abaqeshi abaninzi baneshedyuli yokuthengiswa kwempahla , enika abasebenzi ithuba lokunyuka kokufikelela kwiimali ezifanayo xa bekhonza inkampani.
Ngeshedyuli yohlobo lokuthengisa, awukwazi ukukwazi ukuthatha inxaxheba kwi-401 (k) kude kube ngumnyaka wakho wesibili njengomqeshwa. Ukugqithisa kwakho kunokunyuka ngama-25 ekhulwini ngamnye kunyaka uze unikezelwe ngokupheleleyo emva kweminyaka emi-5 njengomqeshwa. Le yindlela enye abaqeshi abakhuthaza ngayo ukunyaniseka kwimarike yomsebenzi wokukhuphisana. Ukuba unama-50 ekhulwini anikeziweyo xa ushiya inkampani, oko kuthetha ukuba uhamba kunye neepesenti ezingama-50 zomdlalo womqashi wakho. Kubalulekile ukuba ngoku igalelo leshedyuli yakho yokuthenga ukuze uqonde ngokupheleleyo ukuba kuthinta njani ukuba umlingani omlingani uya kubona ukuba uyashiya umsebenzi wakho.
Abasebenzi abanomvuzo ophezulu bangaba neengxaki ezahlukeneyo malunga nomdlalo womqeshwa. Qaphela ukuba usasaze igalelo lakho kulo nyaka. Ukuba ufikelele kumda wokunciphisa umrhumo kusasa kunyaka, uya kulahlwa ngumrhumo womqeshi kulo lonke unyaka. Unokucela umlawuli wakho wecebo ukuba ancede uqinisekise ukuba ukwandisa umlinganiso wakho womqeshi.
Kutheni Umlinganiso Umqeshi Imali Yemali: Umzekelo
Enye indlela yokuxabisa 401 yomqeshi (k) umdlalo kukucingela njengemali yangempela.
Yithi wenze i $ 100,000 ngonyaka. Unika ipesenti ezi-6 zomvuzo wakho kwi-tax pre-tax, okanye i-$ 9,000. Ukuba umqeshi wakho ulingana neepesenti ezi-3, ezi zi-3,000 zamawaka ngonyaka zongeza kwisikhwama sakho somhlala-phantsi. Kungakhathaliseki ukuba ufumana ntoni okwangoku, umdlalo we-3 ekhulwini uphakamisa ukuba ubeka eceleni.
Esinye isizathu esikhulu sokuncedisa u-401 (k) umdlalo kukuba kukuvumela ukuba udlulele umda wempembelelo wonyaka ophezulu. Ngo- 2017 unako ukufaka isandla kwi $ 18,000 kwi-401 (k) , ngaphandle kokuba uneminyaka yobudala engama-50 okanye ngaphezulu kwaye ungagcina ufike kwi-$ 24,000 ngeminikelo yokubamba . Ngomdlalo womqeshi, unako ukwandisa loo mida ngo-3 ekhulwini ukuya kuma-6 ekhulwini ngenxa yokuba imilinganiselo yomrhumo yomqeshi ehambelanayo ayibali kwimida ephezulu ongayinayo kwi-401 (k) isicwangciso.
Ukuba ungumqeshwa ohlawulelwayo kakhulu, unako ukugcina imali eninzi yokuthatha umhlalaphantsi.
Ngoko ukuba uzibuza ukuba ungakanani ukugcina kwi-401 yakho (k), qalisa ngokulondoloza ukuya kwisixa esipheleleyo ukuba umqeshi wakho uya kufana. Nantoni na into efana nokuthi hayi kuloo nto iphakamisa ukuba ulinde.
Ukuhlaziywa nguScott Spann
Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanele kube sisiseko esisodwa sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.