Sekunjalo, unokuba uzibuza ukuba, 'Nguwuphi u-401 (k)?' Kwaye, ngokubalulekileyo, "Usebenza njani u-401 (k)?" Ungalokothi ukwesaba. ingqiqo yezinto ozikhethayo xa kuziwa kwimali yakho yegolide.
Yintoni i-401 (k)?
Iqendu 401 (k) libhekiselele kwicandelo lentlawulo yerhafu evumela abantu ukuba bazise iintlobo ezikhethekileyo zeakhawunti yomhlala-phantsi. Kukho iintlobo ezimbini ze-401 (k) zeakhawunti.
- Iyintoni iMveli 401 (k)?
Imveli 401 (k) ivumela umqeshwa ukuba alondoloze imali kumhlalaphantsi wakhe kwaye afumane ukuncitshiswa kweerhafu. Umqeshi uxhasa isi sicwangciso angenza ukuba adibanise nayiphi na imali umqeshwa abeka kuyo kwiakhawunti yakhe, kwaye ufumana ukuncitshiswa kweerhafu. Imali kwi-401 (k) iakhawunti, eyomsebenzi, inokukhula ihlawulwe irhafu kuze kube ngumhlalaphantsi. Oko kuthetha ukuba akufanele uhlawule irhafu kwizahlulo, inzala, kunye neentlawulo ozenzayo ukusuka kutyalo-mali olwenziweyo kwi-akhawunti. Emva kowama-401 (k) umnini ufinyelela kwiminyaka engama-59 / 1/2, unokuqalisa ukuqhoxisa ngokukhawuleza kwi-akhawunti, apho iirhafu ezihlawulelwayo rhoqo kufuneka zihlawulwe ngemali nje ngokuba ifunyenwe kwi-paycheck.
- Yintoni iRoth 401 (k)?
I-Roth 401 (k) isebenza ngendlela efanayo kunye neendlela ezimbalwa eziphawulekayo, ubuninzi bokungabikho kwerhafu echithwe ngumqeshwa ngexesha elinikeza imali kwi-akhawunti. Endaweni yoko, imali ikhula ngaphandle kwentela kwaye, emva kokuthatha umhlalaphantsi, akukho ntlawulo enye yentela kufuneka ihlawulwe xa ihoxiswa.
Kutheni i-401 (k) IiAkhawunti zeRhafu zomhlala-phantsi zicatshangelwa kakhulu?
Ukuba unemali kunye noxanduva, i-401 (k) inkqubo yomhlala-phantsi ingaba luncedo kunokuba isicwangciso somhlala-phantsi esiqhelekileyo kuba unokufumana izinto ezinengqondo ukuzenza kunye nenkunzi yakho. Kulabo bazama ukunamathela ngesicwangciso, bahendwa ukuba bathengise kwaye baqhube iindleko zokuxhatshazwa , okanye abangayiqondi indlela iimali zentengiso okanye i-market market isebenza ngayo, i-401 (k) inkqubo ingaba yintlekele.
Isibheno sangempela salo-401 (k) sifihla kwiintlawulo zerhafu. Ngomdabu oqhelekileyo 401 (k), umphathi ophakathi ngokulinganayo ogcina i-$ 5,000 kwinkampani eneenzuzo ezilungileyo akayi kubona kuphela irhafu yentlawulo engama-$ 1,000, kodwa ufumana imali efananisiweyo ye-$ 5,000, ukuguqula igalelo le-$ 5,000 langaphambili kwi $ 11,000 kwangoko ngaphambi kokuba utsalo-mali olulodwa lwenziwa. Emva koko, ngaphezu kwayo, izabelo, inzala yomvuzo, kunye neendleko zifumana ukuhlanganiswa kweerhafu ezichithwe umhlala-phantsi, odla ngokuphindaphindiweyo kwiminyaka emininzi. Kudibaniselwano olukhulu olunokuthi luhlanganiswe kwisicwangciso esiqilileyo sokwakha ubutyebi kulabo abaqeqeshwe ngokwaneleyo ukuba bangalokothi bahlasele iqanda labo.
Ziziphi ii-Downsides ze-401 (k) Inkqubo yeAkhawunti yomhlalaphantsi?
Umgca we-401 (k) nkqubo uvumela abantu ukuba bafikelele kwimali yabo kwiimeko ezikhawulezayo.
Oko kubonakala ngathi kuyinto entle, kodwa esinye sezizathu zokuba inkqubo yempesheni isebenze bhetele kubantu abaninzi njengoko bengenakukuchaphazela imali ebekwe bucala ukuze inzuzo yabo. Akwazanga ukwenza utyalo-mali kwaye ulahlekelwe. Abazange bakwazi ukuya eLas Vegas baze bayigxobhe etafileni ye-craps. Ngethuba nje xa bebambe umhlala-phantsi emva komsebenzi wenkonzo, iitshekhi ziboniswe ngeposi.
Asikwazi ukukuxelela kangangoko abantu bandibhale ukuba bathi bafune ukukrazula i-akhawunti yabo engama-401 (k), ukuhlawula irhafu yengeniso rhoqo kunye ne- 10% yexesha lokuthoma lokuthoma , ngenxa yokuba babeya kulahlekelwa yindlu yabo okanye ukuba imoto yabo ibuyiselwe . Kwixesha elidlulileyo, kunye neprogram yempesheni, babeya kunyanzelwa ukuba bafike esinye isisombululo; abayikuphazamisa umhlalaphantsi wabo.
Ngamafutshane, i-401 (k) inkqubo ikhupha isikhala phakathi kwezityebi kunye nehlwempu.
Abo bakwazi ukulawula imicimbi yabo banamathuba amaninzi okwenza izinto ezihlakaniphile baze benze imali. Abo banesigqibo esilukhulayo okanye abangakwazi ukwenza ngokufanelekileyo xa bejongene nokutshatyalaliswa nokunyaniseka kweemarike zamasheya bazifumana bengakwazi ukufudumala amakhaya abo ngeminyaka xa befanele bahambe ngeenxa zonke kwihlabathi.
Olunye umda we-401 (k) ngowama- 401 (k) imida yokunika umrhumo ibeka umlinganiselo wemali onokuyikhusela unyaka ngamnye. Ukuba unomvuzo ophezulu kwaye utshatile, unokuhlala ujikeleza oku ngokugcina ii-401 (k) iingxelo kubini abesilisa nabesibini, kunye ne-Double Traditional IRAs . Emva koko, unokungena kwiinkqubo ezinzima ezifana neenkontileka ze-inshurensi ye-annuity variable. Ulungelelanise ngobuchule, ungagcina amakhulu amawaka eedola ngamnye ngonyaka kwi-akhawunti yomhlala-phantsi.