I-401k enye yezona zithuthi eziphezulu zokugcina umhlala-phantsi abantu abanokufikelela kuzo
Ukuba umqeshi wakho uthi uya kufana neepesenti ezingama-50 zemali yakho engama-401k ukuya kuma-6 ekhulwini lokuqala, umzekelo, ngumzekelo wenkxaso echaziweyo.
I-401k ifumaneka kwiindawo ezininzi zokusebenza njengenzuzo kubasebenzi. Enye yeendlela ezilula ukuqala ukutyalomali nokugcina umhlalaphantsi.
Unokuqalisa njani nge-401k? Isebe lakho le-HR linokuthi linyamekele ulawulo lwesicwangciso. Abanye abasebenzi babhalise ngokuzenzekelayo kwisicwangciso se-401k ngegalelo lomvuzo wepesenti e-3, kwaye abanye bafanele balinde ukuba ixesha lokuvavanya liphelile ukuqala ukunikela.
Ngayiphi indlela, kukufanele ukufumanisa iingenelo zakho ezithile ezivela kumqeshi wakho, kungekhona zonke izicwangciso ezingama-401k zenziwe zilingana. Okona kuncinci, khangela ukuba umntu ukhona, njengokuba uqala ukufaka isandla, kungcono.
Izibonelelo zerhafu ze-401k
Igalelo kwisicwangciso sokuthatha umhlala-phantsi we-401k zihlawulwe irhafu. Oko kuthetha ukuba awuhlawuli irhafu kwixabiso lemali oyifake kwisicwangciso.
Umzekelo uJack wenza $ 50,000 ngonyaka. Ubeka i-$ 5,000 kwi-401k yakhe. Uhlawula iirhafu nje ukuba ufumene i-$ 45,000 ngaloo nyaka. (Lo ngumzekelo ogqithiseleyo kwiinjongo zomzekeliso. IJack iya kuba nezinye iirhafu ezichithwayo, ezifana nokuncitshiswa okuqhelekileyo.)
UJack ubeka imali kwi-401k yakhe kwiintlobo zeempahla kunye nemali. Imali ikhula i-tax-backerred, ngoko uJack akahlawuli irhafu kwiintlawulo zeentengo zakhe kunye neentengo zokuba u-401k uzuza.
Ngokuchasisa ezo ntlawulo, uJack uyakwazi ukubuyisela kwakhona imali leyo, eyenza iphothifoliyo yakhe ikhule ngokukhawuleza .
Xa uJack ejika emva kweminyaka engama-65 waza wenza isigqibo sokurhoxisa imali kwi-401k yakhe, uhlawula irhafu ngeli xesha-ekurhoxisweni. Ireyithi yakhe yentela iya kusekelwe kwingeniso yakhe yangoku kunye nemithetho yerhafu yangoku xa uJack engama-65.
I-Roth 401k
Kukho okungafani nalokhu, nangona kunjalo. Isicwangciso seRoth 401k sivumela abantu ukuba bahlawule irhafu ngaphambili, kodwa bangaze bahlawule irhafu kwakhona.
Uthi uSally ufumana i $ 50,000. Ubeka i-$ 5,000 kwiRoth 401k. Uhlawula irhafu nje ngokuba ufumane i $ 50,000 epheleleyo.
Kodwa utyalo-mali lwakhe lukhula lukhululekile, ngelixa utyalo-mali lukaJack lukhula lukhuphe irhafu. Xa uSally ejika iminyaka engama-65 aze ahoxise imali yakhe engamaRoth 401k, akudingeki ukuba ahlawule nayiphi na irhafu kuyo - kungekhona nangenzuzo eyinkunzi okanye izabelo ezikhulile kwiminyaka.
Iindawo ezininzi zokusebenza zinikela kuphela izicwangciso zeNdabuko ezingama-401k, kodwa kungeyizicwangciso zeRoth 401k. Ukuba indawo yakho yokusebenzela ayinikezeli iRoth 401k, kodwa unomdla wokuba nomnye, unokujonga ukuba ufanelekile ukusetha iRoth IRA . Oku kuya kukunika unyango olulinganayo lwerhafu, nangona ungeke ukwazi ukufaka imali eninzi kwi-IRA njengoko unako u-401k.
Eminye i-Spellings: Ngokwenene ichazwa 401 (k) kunokuba i-401k, kodwa amanqaku amaninzi ase-intanethi kunye nophando abhekisela kwisicwangciso njengama-401k.