Kufanele utyalole kumdlalo womqashi wakho nokuba ngaba ugxile ekuphumeni kwetyala okanye ukugcina indlu. Le yimali ogqithisa ngayo ingasichaphazela kakhulu ikamva lakho. Ukuba awulondolozi ngoku, awuyi kukwazi ukuthatha umhlala-phantsi ngokukhawuleza kwaye unokwenza umzabalazo kwiminyaka yakho yomhlalaphantsi.
Igalelo lam kwiMveli 401 (k) Ichaphazela njani i-Paycheck yam?
Kubalulekile ukuqaphela ukuba iminikelo eyenziwa kwimveli 401 (k) yenziwe ngesiseko se-pretax. Oko kuthetha ukuba inzuzo yakho ehlawulwa irhafu iyancipha, ngoko ke inani elihlawula irhafu linciphisa. Ngoko uhlawula irhafu encinci, kwaye i-pay yakho yokuhlawula ekhaya ayiyi kuchaphazeleka ngumlinganiselo ofanayo owenzayo. Ingancipha kancane, kodwa ingabi ninzi.
Ezinye iinkampani ziyeke ukunikela umdlalo womqeshi, kodwa kubalulekile ukuqhubeka nokufaka isandla kwi-401 yakho (k). Iipesenti ezintlanu yindawo yokuqala yokuqala ukuba awufumani umdlalo womqeshi.
Oku kuqalisa ukugcina imali yakho yomhlalaphantsi, kwaye ke ungasebenzisa yonke imali yakho ukuphuma kwetyala . Xa usenzile oku, kufuneka ukwandise imali yakho yokugcina umhlalaphantsi kwipesenti ezilishumi elinesihlanu yengeniso yakho. Imali oyifakayo ngoku iya kukhula ngokubanzi ngokweminyaka, kwaye kubalulekile ukuba ungayichitha le xesha elide kufuneka ukhulise ukugcinwa kwakho komhlalaphantsi.
- Cinga ngexesha elide loxanduva lokutyalomali kwimhlala-phantsi yakho eya kwenza ubomi bube lula kwixesha elizayo.
- Gxila kwigalelo rhoqo. Imarike iya kunyuka iphantsi, kodwa ukuba uqhubeka utyalomali kufuneka ube kwindawo ekhululekile xa kuziwa ekuthatheni umhlalaphantsi.
- Imveli 401 (k) yinto efanelekileyo kuba inokunciphisa inani olihlawulayo kwiirhafu ngoku, okwenza kube lula ukuqhubeka nokutyalomali xa imali iminyene.
I-Roth 401 (k) iyakuthinta njani i-Pay My Home Pay?
Ukuba unenketho yeRoth 401 (k) , igalelo lakho liyakuchukumisa ngqo ukuba uthathe umvuzo wakho ekhaya. Oku kungenxa yokuba iminikelo yenziwa kunye neerhafu zerhafu. Inzuzo enkulu kunazo zonke kwiRoth 401 (k) kukuba imali engenayo ayihlawulwanga. Oku kungagcina kukugcina imali eninzi yentlawulo emva kokuba uthinte umhlalaphantsi. Kufuneka ucinge ukuba usebenzisa iRoth 401 (k), ukuba inkampani yakho ikunika oku khetho. Uya kufuneka uhlalutye uhlahlo lwabiwo-mali ngokufanelekileyo. Nangona kunjalo, ithetha ukuba imali oyifakayo iya kuthathwa ngokuthe ngqo kwixabiso oya kuthatha ngalo ukuya ekhaya. Oku kufana ne- Roth IRA kuba igalelo ayiyi kunciphisa inani olihlawula ngalo irhafu ngonyaka. Nangona kunjalo, inzuzo yokungakhokheli irhafu kwimali oyifumanayo inokuhlawula xa uneminyaka yobudala.
Kuyinto enokuqwalasela ngokucophelela ukuba umqeshi wakho unika iRoth 401 (k).
- I-Roth 401 (k) ikuvumela ukuba ugweme irhafu kwimali yakho yokufumana imali.
- Oku kuyindlela enhle ukuba unganenkxalabo malunga nokuhlawula imali engenayo engenayo.
Kuthiwani ukuba Andiyi kulungela i-401 (k)?
Ukuba inkampani yakho ayinikezeli i-401 (k) icebo okanye ukuba kufuneka ulinde unyaka ukuqala ukuthatha inxaxheba, kufuneka uqhubeke usindisa ngenxa yomhlalaphantsi. Unokwenza oku ngokubeka i-akhawunti ye-Roth IRA ngokusebenzisa iqumrhu le-brokerage okanye ibhanki. Imali kufuneka ifakwe imali kwimali-mali , kwaye ungayibhalisela inkampani eya kwamkela iminikelo yenyanga ngaphandle kwentlawulo. Oku kuza kukuqalisa ukugcina umhlalaphantsi ngokukhawuleza.
Khumbula ukuba utyalo-mali lokuthatha umhlala-phantsi ngowona nto ihamba phambili. Kubalulekile ukwenzela ukuba ungayenza kwikamva.
Ukucwangcisa ngokucophelela kunye negalelo elizinzileyo kuya kukunceda ukwazi ukuhlala phantsi ngokukhawuleza. Kufuneka utyalole rhoqo kwimali yomhlalaphantsi, nokuba uthetha ukuba kufuneka ubhale ngaphezulu kancinci ekhaya uze wenze ngaphambi kokuqalisa ukufaka isandla kumhlalaphantsi. Imibingelelo oyenzayo ngoku kuya kukukhusela ekubeni wenze izigqibo ezinzima xa uhlala phantsi. Unokufuna ukuqwalasela ezinye iimali-mali ukuba ukhulula u-401 (k) wakho umrhumo .
Ukuba awuqinisekanga malunga nendlela yokuqalisa ukutshala imali ngomhlalaphantsi, ungathetha nomcebisi wezemali onokukuthatha ngamanyathelo kwaye unokukunceda ulungise iakhawunti. Xa usemncinci, utyalo-mali oluninzi nolushushu luyakunceda ufumane ngaphezulu. Njengoko ukhula, kufuneka uqhubele kwiimali-mali ezigcinayo ezikhuselekileyo ekubeni awuyi kuba nexesha elaneleyo loqoqosho ukuba lukhuphe xa luhamba ngokudityaniswa. Zama ukukhathazeka malunga nokutyalomali kwakho xa usenzile.