Xa Ndiyakususa iifowi kwi-401 yam (k) Ngaphandle kweeMgwebo?

Gwema izigwebo ngokwazi imigaqo ehlobene neminyaka

Unayo i-401 (k) iakhawunti yomhlalaphantsi? Uyazibuza nini kwaye ungayifumana njani ukuba ungene ekungeneni kwakho kwentela? Imithetho eyahlukeneyo isebenza kwiminyaka eyahlukileyo. Ingaphantsi kweminyaka yakho, ezimbalwa ukhetho lwakho, ingakumbi ukuba ungakabikho umhlalaphantsi. Oku kuya kuphazamisa ukuba uyayidinga imali yeendleko ezingekho phantsi komhlalaphantsi, kodwa ingcamango ye-401 (k) kukuqinisekisa ukuba uyasombulula imali xa uthatha umhlalaphantsi.

Ngaphantsi kweminyaka 55

Ukuba uneminyaka engaphantsi kweminyaka engama-55, kwaye usasebenza kwiinkampani ezilawula i-401 (k) isicwangciso sakho, uya kuba neendlela ezimbini kuphela (ukucinga ukuba ukhetho lufumaneka kumqeshi wakho).

Ukuthabatha u- 401 (k) iimali , kuya kufuneka ukuba uthathe i-401 (k) mboleko okanye ukuxothwa kobunzima.

Ukuba awusetyenziswanga yinkampani, unako ukuhlawula imali kwi-IRA, okanye imali kwi-401 (k) icebo . Cinga kabini malunga nokufaka imali: nangona uhlawulela kuyo uza kubakho ukukhuselwa kwintengiso yemali ehlala kuyo xa ugcina imali kwicebo.

Umdala 55 ukuya ku-59 1/2

Ukuba uhlala umhlala phantsi, ubuninzi bee-401 (k) zicwangciso zivumela ukurhoxiswa kwe-penalty-free ineminyaka yobudala engama-55. Ukusebenzisa le 401 (k) iminyaka yobudala yomhlala-phantsi kufuneka unqunywe ngaphaya kwonyaka oneminyaka engama-55 ubudala, kwaye kufuneka ushiye imali yakho kwi-401 (k) icebo lokufikelela kwi-penalty-free. Kukho imbalwa embalwa kulo mgaqo: ngamapolisa amaninzi, abacimi bomlilo kunye nee-EMTs, eli lungiselelo lenza imali ifikeleleke kwiminyaka yobudala engama-50, kunama-55.)

Ngaphambi kokungena kwi-401 (k) yakho, qiniseka ukuba ubuyekeze imigaqo elawula le nkonzo ye-liquidity age-55:

1. Ukuba uthatha umhlalaphantsi unyaka ngaphambi kokufikelela kwiminyaka yobudala engama-55, i-401 (k) ilungiselelo leminyaka yobudala lomhlalaphantsi ayiyi kusebenza . Ukuhoxiswa kwakho kuya kuba phantsi kwe-10% yentlawulo yesigwebo sokuthoma . Ngokomzekelo, cinga ukuba uthathe umhlalaphantsi kuma-54, ucinga ngomnyaka owodwa unokufikelela kwiimali ezingenasohlwayo. Nope, buhlungu. Kwakudingeka ulinde omnye umnyaka ukuba uthathe umhlalaphantsi ukuze wenze isicelo.

1. Ukuba uqhubeka u-401 (k) ucwangcise kwi-IRA, umhlala-phantsi wesibonelelo 55 awuyi kusebenza . Umdala wokuqala apho unako ukurhoxisa imali kwi-akhawunti ye-IRA yangaphandle ngaphandle kweerhafu zerhafu ku-59 ½ ubudala.

Ubudala 59 ½ ukuya ku-70 1/2

Xa usufikelele kwiminyaka yobudala engama-59 / 1/2 imithetho iguqule i-bit, kodwa ukufikelela kwi-401 yakho (k) imali kwi-59 1/2 yobudala ixhomekeke ekubeni usebenza okanye awuyiyo.

Umhlala phantsi . Ukuba uhlala umhlala phantsi, usuphelile umsebenzi emva kokufikelela kwiminyaka yobudala engama-55, kwaye usenayo imali kwi-401 (k) isicwangciso sakho, unako ukufikelela kubo kwiminyaka yobudala engama-59 / 1/2 kwaye ungahlawulwanga irhafu yerhafu yokuqala. Ukuba ulungele i-401 yakho (k) imali kwi-IRA, imigaqo ifanayo: iminyaka yobudala engama-59 1/2 ngowokuqala unako ukurhoxisa imali kwi-akhawunti ye-IRA kwaye ungahlawulanga irhafu yentlawulo yokutsala.

Usasebenza. Ukuba usasebenza, unako ukufikelela kwiimali kwi-401 (k) yesicwangciso sokudala xa ufikelela kwiminyaka yobudala engama-59 / 1/2, kodwa unako ukufikelela okufanayo kwimali ngaphakathi kwe-401 (k) isicwangciso kwinkampani apho ngoku usebenza. Hlola kunye ne-401 yakho (k) isicwangciso somlawuli ukuba ubone ukuba isicwangciso sakho sivumela into ebizwa ngokuthi "in-service" ukusasazwa kwi-59 ½ ubudala. Eminye i-401 (k) izicwangciso zivumela ukuba abanye nabanye bangabi.

401 (k) Umhlala-phantsi Umhlala-phantsi 70 ½

Ubuneminyaka engama-70 i-1/2 yile minyaka efuna ukusabalala okuncinci kuqala.

Kule minyaka, ngokubanzi, kufuneka uqale ukuhambisa ukusasazwa kuzo zonke izicwangciso zakho zokuthatha umhlala-phantsi (izicwangciso ezifana ne-IRAs kunye ne-401 (k) s).

Ukuba zisasebenziswa yinkampani elawula i-401 (k) isicwangciso sakho, awuyena umnini, kwaye awufuni ukuba usasaze, isicwangciso sakho sinokunikezela ngaphandle kwale migunya emiselweyo. Uya kufuneka uhlolisise umlawuli wakho wecebo ukuze ubone ukuba ngaba bavumela i-exception kwiimfuno ezisisiseko zokusabalalisa ezifunekayo ukuba usasebenza kwi-70 1/2 yobudala.