Yintoni iHlabathi ekhuselekileyo 401 (k)?

Abanikazi bamashishini amancinci abafuna ukugcina itoni bafumana ukhuseleko 401 (k)

I-harbor ekhuselekileyo 401 (k) luhlobo lwama- 401 (k) isicwangciso somhlala-phantsi esivumela abanikazi bamashishini abancinci ukuba baphonononge uvavanyo lwangaphakathi lweeNkonzo zeNgeniso.

Iingxaki ezikhuselekileyo ze-harbor 401 (k) zenzelwe ukuxazulula

Ngaphambi kokuba uzame ukuqonda ukuba yintoni i-harbor ekhuselekileyo 401 (k), kufuneka ukwazi ukuba kutheni umntu afune enye. Uninzi lwama- 401 (k) iiplani zijongene novavanyo lokungaxhatshazwa ngonyaka. I-IRS ihlola ukuqinisekisa ukuba umqeshwa ohlawulelwayo kakhulu okanye umnini-shishini ukhulula kuma-401 (k) iminikelo yonyaka, ngelixa abanye abasebenzi belahla ekugcinweni kwabo.

I-IRS ifuna ukubona ukuba bonke abasebenzi baxhamla isicwangciso somhlala-phantsi, kungekhona nje labo abanemisebenzi ephezulu yokuhlawula. Ngoko uvavanya icebo lokufumanisa ukuba umrhumo oqhelekileyo wabasebenzi abahlawulelwe kakhulu (abo bafumana ubuncinane i-$ 120,000 ngo-2016 okanye abangaphezulu kwama-5 ekhulwini kwi-shishini) abagqithisi umrhumo ophakathi kwabo bonke abantu abangaphezu kwe-2 pesenti.

Ukuba ungumnikazi webhishini kunye ne-401 yakho (k) inexabiso eliphantsi lokuthobela okanye izinga lokugcina phakathi kwabasebenzi beefowuni kunye nefayile, kunokuphakamisa ifulegi kwi-IRS. Ngokutsho kweCwangciso loMxhasi weBhunga laseMelika (ishishini lokubamba iqela kwinkampani yokucwangcisa umhlalaphantsi), amaninzi amashishini adlula ukuvavanya, kodwa malunga neepesenti ezingama-40 bathi banokubuyiselwa kwakhona okanye banqande umrhumo wokucwangcisa ukwenza njalo.

Kunene, ukubuyisela imali! I-IRS inokwenyanqabela isicwangciso sempesheni yomhlala-phantsi esivakalelwa ngayo.

Emva koko wena okanye umqeshwa wakho uza kuhlawulwa irhafu yerhulumente kunye nerhafu yengeniso kwimali. Kukho kwakhona kunokuhlawulwa kwemali ye-10 yepesenti. Ukuba isicwangciso asikwazi ukulungiswa ngeminikelo eyabuyiselwe imali, kukho umngcipheko wokuba u-401 wakho (k) ugcino uza kubuyiselwa. (Kukho ibali elincamisayo ngesikhungo soNcedo lwama-401k, ichaza umvakalelo womqeshwa omnye wokungaqiniseki emva kwesicwangciso somqeshi sakhe siphumelele uvavanyo lokungabikho komthetho.) Kuya kuba ngumhla wakho wokuhlawula umhlalaphantsi, kwaye unokuphazamisa ngokwenene okanye u-stymie ukugcinwa kwabanikazi bamashishini abancinci kunye babo sebenzi.

Yintoni iHlabathi ekhuselekileyo 401 (k)?

I-harbor ekhuselekileyo 401 (k) yindlela yokwenza isicwangciso esicacisa ngokuzenzekelayo uvavanyo lokungaxhatshazwa okanye lugweme ngokupheleleyo. Kulula ukukwenza, kodwa umqeshi makenze igalelo kwisicwangciso somqeshwa ngamnye - enye ipesenti yomvuzo ngamnye. Ngokomzekelo, kuwo wonke umnikelo owenziwa ngumqeshwa, inkampani yongeza enye i-5% yomvuzo wabo. Isixa oya kufana nayo siya kuxhomekeka kwiminikelo yakho njengomnini-shishini.

Ishedyuli ende ye- v esting ayivumelekanga kunye neeplani ezikhuselekileyo zee-harbor, iminikelo inikwe ngokupheleleyo xa yenziwe. Oku kuthetha ukuba kufuneka unike bonke abaqeshwa isabelo sabo-nokuba abo bahamba okanye baxoshwa kunyaka. Unokuyila isicwangciso sakho sokukhawulelana negalelo kubasebenzi kuphela abachasayo umvuzo okanye banike umnikelo kubo bonke, kuquka abo baqeshwa abangenzi negalelo kwizicwangciso zabo.

Ngokubhekiselele kwi-SafeHarbor401k.org, izicwangciso zingabelana ngeminikelo ngeendlela ezintathu:

1. Isisiseko: Umqeshi ulingana neepesenti eziyi-100 zeepesenti zokuqala zeembuyekezo, kunye neepesenti ezingama-50 zeepesenti ezi-2 ezilandelayo zembuyekezo.
2. Ukuphuculwa: Umqeshi ulingana nama-100 ekhulwini kwipesenti zokuqala ezi-4 zembuyekezo.
3. Ukungakhethi: Umqeshi uncedisa ama-3 epesenti yembuyekezo kubo bonke abasebenzi abafanelekileyo.

Kungaba yintengo encinci ukuhlawula i-inshorensi ukuba isicwangciso sakho siya kudlula. Ukuba isicwangciso sakho sele sibandakanya ukulingana kwama-401 (k) iminikelo, usenokuba sele ukhuselekile. Ukubonelela ngokukhuselekileyo kwinqanaba elinokukhuselekileyo kunokuqhotyoshelwa naluphi na uhlobo lwesicwangciso somhlala-phantsi okanye 401 (k). Kodwa kufuna ukuba kuninzi isaziso esibhaliweyo kunye nemfundo kubathathi-nxaxheba becwangciso. Kwaye kufuneka bafumane la maxwebhu ngaphakathi kweentsuku ezingama-30 ukuya kwi-90 zokuqala umsebenzi. Emva kokufumana isicwangciso esilungiselelwe, kufuneka kube lula ngokwaneleyo ukuphumeza.

Ukumisela iPhulo eliKhuselekileyo 401 (k)

Ukufumana isicwangciso esilungiselelwe yinxalenye enzima. Akuyena iprojekthi yakho. Nokuba ngaba ugqwetha wakho weerhafu, umcwangcisi wezezimali okanye umgcini-zimali ufuna ukusekwa isicwangciso kuwe, kunengqondo ukuba ubuncinco uthethe umlawuli wecwangciso lobuchule kwaye unqume ukuba ngaba uchwepheshe wenza ingqiqo.

Kukho nakwezinye iindlela zokuhlala kwindawo ekhuselekileyo 401 (k). Ibhizinisi lingenza isicwangciso sokuba seminyaka-ubudala ukuze abatyali-mali abasondeleyo kumhlalaphantsi banokufumana ngaphezulu kwiminikelo yomqeshi. Kukho into ebizwa ngokuthi isicwangciso esincinane sokuthelekiswa, esahlukana nabasebenzi ngokukodwa kwiiklasi okanye emithathu, kunye nabasebenzi abadala okanye abaphambili banikwe inxaxheba enkulu. Fumana umntu oqonda iindlela ezikhethiweyo, unokuzichazela uze ufumane indlela yokwandisa imilinganiselo yenkxaso kuwe nakwabanye abasebenzi abakhulu.

Ukhuseleko olukhuselekileyo 401 (k) izicwangciso zisoloko zifaneleke ngakumbi kwiinkampani ezinomlinganiselo wokungena kwemali. Ukuba ishishini lakho linokuba nzima ukufumanisa imali ehambelanayo ngokwemigangatho esekelweyo ke enye i-401 (k) izicwangciso zingaphaya indawo engcono kwi-Harbour Harbor 401 (k).

Ukufumana i-401 (k) okanye isicwangciso somhlala-phantsi oqhelekileyo kwishishini lakho elincinci, isiXhosa soMncedisi we-401k unikeza uluhlu lwababoneleli benkonzo yomhlalaphantsi. Unokubuza kwakhona abanikazi bamashishini okanye abaqeqeshi bemali kwingingqi yakho kwiintandokazi zendawo. Cwangcisa amafektri awona mhle kunengcali ezinolwazi ezihlala kwindawo yakho. Xa ukhangela i-harbor ekhuselekileyo, uhlawula ukuthenga ngeenxa zonke.