Ngamathuba angama-457 (b) IziCwangciso zoMsebenzi zokuNceda uNgagcine umhlalaphantsi
Kodwa kukho iindidi ezimbalwa ezahlukileyo ezenza 457 (b) zikhangele ngakumbi.
Izinzuzo ze-457 (b) Izicwangciso
I-457 (b) isicwangciso sininzi njenge-401 (k) okanye 403 (b). Kwaye akukhona nje ngokuba bonke bafumana amagama abo aphikisayo abavela kwiindawo zabo kwikhowudi yentlawulo ye-IRS. Ezi zicwangciso zinika abantu ngabanye indlela enkulu yokugcina umhlalaphantsi. I-457 (b) isicwangciso sinikezelwa ngumqeshi wakho, kunye negalelo zithathwa kwi-paycheck yakho phambi kokuhlawula irhafu, ehlawula imali engenayo engenayo engenayo (into enhle ifike ixesha lokuhlawula). Unako ukutshala imali kwiimali ezidibeneyo ozikhethayo kwiqela lezinketho. Kwaye inzala kunye nemali engenayo kuloo mali ayihlawulwanga de uze uhoxise imali kwi-retraite. Oko kuthetha ukuba imali inethuba lokuqokelela ngokukhawuleza okwangoku.
Ngokungafani ne- 401 (k) okanye i- 403 (b) , ukuba ushiya umsebenzi okanye uhlala phantsi ngaphambi kweminyaka engama-59 / 1/2 kwaye kufuneka uhoxise imali yakho yomhlalaphantsi ukususela kwi-457 (b), awuyi kuhlawula umrhumo we-10% .
Oku kuluhlu olukhulu olukwenza lolu hlobo lwesicwangciso lukhangele ngakumbi kunontanga.
Unokubanceda njani u-457 (b)
Abathathi-nxaxheba kwi-457 (b) isicwangciso sinokubamba iqela elingama-18,000 kwi-plane ngo-2017. Ukuba uneminyaka engama-50 okanye ngaphezulu kwaye umqeshi wakho uvumela into ebizwa ngokuba yiminikelo yokubambisa , umda wakho ukwanda ngama-6,000 eyongezelelweyo.
Oku kufana ne-401 (k) okanye 403 (b) isicwangciso. Kodwa nantsi enye inzuzo: nge-457 (b) isicwangciso, abanye abaqeshi banikela ngegalelo elincinci lokubamba iqela leminyaka emithathu ngaphambi kokuthatha umhlalaphantsi . Unokufanelekela ukunikela ngokuphindwe kabini umda wonyaka-okanye ama-36,000 wamawaka ngo-2017. Ukuba ungumntu ovuyiswayo ngamandla okutyalwa kweentlawulo ezichazwe ngerhafu, oku kunenzuzo ukufumana umdla. Kakade, isixa ofaka isandla kwi-457 (b) isicwangciso sonyaka singenakugqithisa i-100% yembuyekezo yakho yomvuzo.
Enye inzuzo kwi-457 (b) isicwangciso sisebenza kakuhle kunye nezinye izicwangciso. Ootitshala, umzekelo, unokunikezelwa koku-403 (b) no-457 (b) iindlela zokukhetha. Ukuba unayo idibaniso ezimbini-i-457 (b) kunye no-403 (b) okanye i-457 (b) kunye no-401 (k) -nokuba unokuba negalelo elininzi kwizicwangciso zombini. Oku kuzisa umyinge wakho wokumisela umyinge wamawaka angama-36,000, nangona ungaphantsi kweminyaka engama-50. Oku kungabandakanywa iminikelo yokubambisa okanye nayiphi na into efanelekileyo yomqeshi .
Imilinganiselo ikhula ngokunyuka nganye kwiminyaka emithathu. Kwixesha elidlulileyo, ngokuqhelekileyo zilungelelanisa ukunyuka kwamaxabiso kwimali engama-$ 500 kodwa zingatshintshi ngonyaka werhafu ka-2017.
457 (b) kunye noMqeshi ofanayo
Abanye abaqeshi banokulingana nemali ofaka kuyo kwi-457 (b) icebo ukuya kumda othile.
Ukuba unethamsanqa ngokwaneleyo ukuba usebenze njengomqeshi onjalo, sebenzisa ngokunceda ngokucwangcisa kwisicwangciso ubuncinci kumdlalo. Ukuba umdlalo ungama-50% uze ufake i-$ 1000 ngenyanga, umqeshi wakho ukunika i-$ 500 eyongezelelweyo. Kufana nokuphakanyiswa okulindele.
Akunabo bonke abaqeshi baseburhulumenteni abafunekayo ukuba banikele abasebenzi ukuba bafikelele kwi-457 (b) isicwangciso, njengenzuzo ezingenakuthungwa kufuneka zinikeze i-403 (b). Kodwa ukuba umqeshi wakho angakunikeli okwangoku 457 (b), akubanga kakubi ukumbamba enye. Xa kuziwa kwizicwangciso zokuthatha umhlalaphantsi , uya kuba nethamsanqa ukuba nethuba lokulondoloza kwi-457 (b).
Ulwazi olufakwe apha alukho iingcebiso ngezezimali. Kujoliswe kwisikhokelo kuphela. Naliphi na i-intanethi zangasese (ezingekho phantsi koorhulumente) ezixhomekeke kulolu qwengana zifakwe kwiinjongo zolwazi kwaye azikwazi ukuqinisekiswa. Nangona sonke senza umgudu ukuqinisekisa ukuba olu lwazi luchanekile, luyahlukahluka kuxhomekeka kwiimeko zakho.