Njengoko kunye ne-401 (k) icebo, uya kuba nenketho yokukhetha ukutyalomali kwimali-mali ekhuselekileyo, ephakathi okanye ephezulu. Baya kunika umdlalo womqeshi kutyalo-mali.
Ndingakanani na ukuba ndibe negalelo kwi-403 (b)?
Injongo engundoqo yabantu abaninzi kukuba basebenze ukutyalombela ipesenti ezilishumi elinesihlanu zengeniso yabo kumhlala-phantsi ngamnye ngonyaka. Isixa umqeshi wakho asinikela sona siya kubala kumdlalo. Unokwahlula umdlalo phakathi kwe-403 (b) kunye ne- akhawunti ye-IRA . Uya kuba nolawulo olungakumbi malunga noko utyalomali kwi-IRA yakho. Kufuneka uhlale usebenzise ngokupheleleyo umdlalo wakho womqeshi ukuba unayo. Le nto ikhululekile imali yokuthatha umhlalaphantsi wakho. Xa utyalo-mali, kufuneka utyalomali kwi-403 yakho (b) ukuya kwisixa esipheleleyo somdlalo, kwaye max max ngaphandle kwegalelo lakho le-IRA. Xa usenzile oko, unako ukutyalomali kwi-403 yakho (b) ukuya kutsho kwipesenti ezilishumi elinesihlanu.
- Qala ngokunikela kumdlalo xa unayo.
- Ngalinye ixesha ufumana ukwanda kwenyuka inani leminikelo yakho.
- Ukuba uhlawula ityala, wandise umnikelo wakho xa uhlawule ityala.
Ngaba kufuneka Ndikhethe Ingozi Ephakamileyo okanye Utyalo-mali olumalunga no-403 (b)?
Xa useneminyaka engama-20, unokukhetha ukonga imali ephezulu. Izinga lokubuyela kule mali liphezulu kunotyalo-mali olugcinayo.
Xa usemncinci, unokukwazi ukukhwela emakethe. Oku kuthetha ukuba uya kuba nethuba lokubuyisela xa i-market ithohla. Nangona kunjalo, njengoko usondele kwiminyaka yokuthatha umhlalaphantsi, kufuneka uqale ukuhambisa imali yakho kwiimali ezithinteleyo. Ungakwazi ukuhlawulela kwakhona i-403 (b) iphothifoliyo ngokuthetha nommeli wabasebenzi. Kubalulekile ukuba ungakhathazeki ukuba iphothifoliyo yakho iyancipha ngenxa yokudibanisa imarike. Oku kuqhelekileyo kwaye ukuba uneminyaka emininzi ukusuka kude nomhlalaphantsi, iphothifoliyo yakho kufuneka ibe nexesha lokufumana kwakhona. Kungesabisa ukuyibukela, kodwa kufuneka iphume.
- Cinga malunga nokuba uzimisele kangakanani ukubeka umngcipheko kunye nokude kube nini uhlala phantsi.
- Jonga i-akhawunti yakho, kodwa uzame ukusazela xa i-market is dips.
- Qiniseka ukuba ulungele iipotifoliyo yakho njengoko usondela kuye
Ngaba Ndingakhetha Phakathi kwe-403 (b) okanye 401 (k)?
Umqeshi wakho uya kugqiba uhlobo lwesicwangciso esikunike sona. Oku kuthetha ukuba awuyi kuba nekhetho lokukhetha i-403 (b) okanye i-401 (k). Imithetho yezicwangciso zifana ngokufanayo. Unokufaka isandla esifanayo kwisicwangciso ngasinye ngonyaka. Unemithetho efanayo ye-rollover, kunye nemithetho efanayo xa kuziwa ekunikezeni isicwangciso . Ukuba unokhetho lokukhetha isicwangciso seRoth phezu kwendabuko, kufuneka ukhethe icebo leRoth, kuba imali ikhula ngaphandle kwentela.
Uya kufuneka uhlawule irhafu kwiminikelo yakho, kodwa iya kukugcina imali ngexesha elide. Xa uqala ukuqala ukusebenza, uya kufunda ngezigqibo zokuthatha umhlalaphantsi. Umele ulinde unyaka ukuze ukwazi ukubhalisa. Okwangoku, ungaqala ngokutyalomali kwi-IRA. Oku kuya kukuvumela ukuba uqale utyalomali kwi-retrait kanye nokukuyeka ukulahlekelwa ixesha lokutyalomali xa utshintshe imisebenzi. Uninzi lwamafemu otyalo-mali luza kukuvumela ukuba uvule i-IRA ngaphandle kwemfuneko yokuqala yokutshala imali.
Ngaba Ndimele Ndiyigcine Ngaphezulu Kokuthatha Umhlalaphantsi Nje?
Ukuba ufuna ukwakha ubutyebi , kufuneka ugcine ngaphezu kwemali oyifakelwe umhlalaphantsi ngamnye ngonyaka. Kufuneka ube neenjongo zokulondoloza rhoqo ozibekela sona. Ezi njongo kufuneka zibandakanye i- fund yengxowa-mali , ukuhlawula indlu , kunye nemali kwimfundo yabantwana kwikamva.
Emva koko ungafuna ukugcina ukulungiswa kwekhaya okanye iholide lakho lokuphupha. Injongo kukuhambisa imali kwiintengo ezininzi zokuthenga. Unokukhetha ukutyalomali kwi-real estate okanye ukubeka imali eyongezelelweyo kwimarike yemasheya. Ukuba ukwenza oku uya kuqalisa ukwakha inzuzo enetyenzi, kwaye unako ukukhulisa ubutyebi bakho ngokufanelekileyo.
- Yenza imali yokugcina umhlalaphantsi ibe yinto ephambili.
- Ukuba uceba ukukhawuleza kusasa, kuya kufuneka ukhethe utyalo-mali ongayifaka phambi kokuba ufikelele kwiminyaka yobudala.
- Cinga ukuthetha nomcebisi wezezimali ukuseka isicwangciso esiza kukuvumela ukuba ufinyelele iinjongo zakho kwixesha lakho.
Yintoni eyenzekayo xa Ndiyitshintsha imisebenzi?
Emva kokuba unikezelwe kwi-403 (b) isicwangciso sakho, unokuthatha imali nawe xa utshintsha imisebenzi. Kuya kufuneka ukuba uqokelele kwi-akhawunti ye-IRA. Ukuba awunikwe igunya, uya kulahlekelwa yiminikelo yomqeshi wakho, kodwa uya kugcina imali oyifake kwisicwangciso sakho somhlalaphantsi. Omnye umqeshi uya kufuna ukuba ulungise i-akhawunti, abanye baya kukuvumela ukuba uhlale kunye nesicwangciso sangoku nje xa unesixa esithile kwi-akhawunti. Ukuba unemibuzo, ummeli wakho wobuncedo kufuneka aphendule imibuzo yakho okanye adibanise nomntu onako.