Ukuhamba okungalunganga kunokukuhlawula amawaka amawaka
1. Yazi iShedyuli yakho yokuThengisa kunye neSimo
Ukuba uthatha inxaxheba kwi- 401 (k) okanye isicwangciso somhlala-phantsi somqeshi esifanayo, unokufumana ilungelo lokufumana umdlalo womqeshi okanye enye indlela yomrhumo womqeshi kwiakhawunti yakho yomhlalaphantsi. Le mrhumo yomqeshi ibizwa ngokuqhelekileyo njengemali "ekhululekile" kwaye ingaba nempembelelo ebalulekileyo kubukhulu beakhawunti yakho yomhlalaphantsi. Nangona imali oye waba negalelo ngokuchithwa kwemali yokuhlawula imali ihlala i- 100% enikezelwe ngokusemthethweni, nto leyo ithetha ukuba ihlala yakho ngokomthetho (nokuba uqeshwe kwinkampani okanye akunjalo), umdlalo wakho wenkampani udla ngokuba neshedyuli yokubophelela ebonisa ukuba ngaba umqeshi wakho Iminikelo ibe yakho ngokusemthethweni kwaye nini. Ezi zihlandlo zokubambisa zijongwa ngokugqithiseleyo kwixesha leminyaka emininzi. Ukuba unomlinganiso womqeshi, khangela iifom zakho zomhlala-phantsi okanye ubuze isebe lakho labasebenzi malunga ne-100%.
Ngamanye amaxesha ulinde ezinye iinyanga ezimbalwa okanye unyaka unokwenza ummahluko omkhulu kwimali eninzi "ekhululekile" oya kuyifumana nawe xa ushiya. Ngakolunye uhlangothi, ukushiya umqeshi wakho phambi kokuba ugunyazwe ngokugcwele kuthetha ukuba uya kulahlekelwa isabelo, ukuba akusiyo yonke, iminikelo yomqashi wakho kunye nayiphi na imali ehlawulwayo kuloo mali.
Makhe sibone umzekelo.
Masithi ukuba phantsi kwemigangatho yomqeshi wakho, ubeka 20% ngonyaka iminyaka emihlanu. Ube kunye nomqeshi wakho kwinyanga enamahloni eminyaka emine, ngoko u-60% unikezelwe. Masithi uzuze i-$ 40,000 ngonyaka kwaye uncedise i-15% yomvuzo wakho, okanye i-$ 6,000 ngonyaka, kwisicwangciso sakho se-401 (k). Masithi kwakhona ukuba umqeshi wethu ulinganisa i-100% yegalelo lakho, okanye enye i-$ 6,000 ngonyaka. Ukuba uhamba ngoku, uza kufumana u-60% womdlalo womqashi wakho kwiminyaka embalwa edluleyo, okanye i-$ 14,400 (i-6,000 / yr x 4 yrs = $ 24,000 x 60%). Ukuba uhlale enye inyanga, uza kufaka i-20% eyongezelelweyo kwaye ufumane i-$ 4.800 eyongezelelweyo yomdlalo womqeshi. Ukuba uhlale ezinye iinyanga ezili-13, uza kufumana i-$ 9,600 eyongezelelweyo kumdlalo womqeshi kwiminyaka emine oye ulapho, kunye nomdlalo we-$ 6,000 wakho ngomnyaka wakho wesihlanu, ngokulingana ne-$ 15,600 kumdlalo womqeshi - kwaye Ndiqwalasele nayiphi na imali ehlawulwayo kuloo mali ngeli xesha lityalomali. Nangona umdlalo wakho womqeshi ungaphantsi kwama-100%, usenokubona indlela onokuthi uhambe ngayo kwi-chunk yemali yamahhala ngokungakhangeli ixesha lokuhamba kwakho.
2. Yazi iAkhawunti yakho yeAkhawunti yomhlalaphantsi
Emva kokuba wenze isigqibo sokutshintsha imisebenzi kwaye utshintshile abaqeshi, imibuzo ebalulekileyo yezemali oya kubelana nayo yintoni enokuyenza kunye ne-401 (k) okanye enye imali yomhlalaphantsi yomqeshi.
Abantu abaninzi kakhulu baya kugcina imali yokugcina umhlala-phantsi xa betshintsha imisebenzi, kwaye basebenzisa imali enye into. Akunjalo kuphela le mpazamo yethu yokucwangcisa umhlalaphansi 6 ukuphepha, kodwa iyakhuselwa ngokupheleleyo. Xa kuziwa kwi-401 yakho (k), abaninzi abantu banokukhetha ezine xa beshiya umqeshi wabo, oku:
- Cash Out
- Shiya iMali kwisiCwangciso
- Qhubela kwiSicwangciso sakho esifanelekileyo somqeshi
- Rollover kwi-IRA okanye enye
Makhe sijonge ukuba yeyiphi na enye yezi zikhethi zithetha kuwe.
Imali ephuma kwi-401 yakho (k)
Ukuze uqonde imiphumo yale mpazamo eqhelekileyo, masisebenzise amanani ukubonisa. Masithi unama-$ 50,000 kwi-401 (k) isicwangciso sakho. Esikhundleni sokumisela i- rollover ngqo kwelinye icebo, unayo imali ehlawulwa ngqo kuwe. Isicwangciso sakho somlawuli siza kuthatha ngokuzenzekelayo i-20% ngaphandle kweerhafu, njengoko kufunwa ngumthetho, ngoko kunoko uya kufumana i-check for $ 40,000.
Xa ixesha leserhafu lijikeleza, ungamangaliswa ukwazi ukuba ukuba ungaphantsi kweminyaka engama-59½ xa uphelile, kufuneka uhlawule isohlwayo se-10% kwi-original (tax pre-tax) okanye kulo mzekelo , enye i $ 5,000. Ngoku imali yakho ilahlekile kwi-$ 50,000 ukuya kwii-35,000 zamawaka.
Ukulimaza akuyekanga apha. Kungenzeka ukuba ube kwi-bracket ephezulu ngaphezulu kwe-20% isicwangciso sakho somlawuli esinqatshelwe kwiimali zakho. Ukuba kunjalo, kuya kufuneka ufikeleleke umahluko ovela kwithenda yerhafu. Ukuba ukhokhwa yerhafu ye-31%, umzekelo, kuya kukhwehlela umehluko phakathi kwe-20% ne-31%, eyongezelelweyo ye-11%, okanye i-$ 5,500. Ukuba awuzange ucwangcise le ngxowa yerhafu eyongezelelweyo, kwaye abaninzi abantu abayifuni, ungabakhoka ukuba ufike kwiirhafu ezongezelelweyo. Ukongeza kule ngxaki yemali esheshayo, i-$ 50,000 yakho yasekuqaleni ekulondolozeni umhlala-phantsi iya kuba i-$ 29,500. Ngoku kela iirhafu zelizwe kunye neendawo zedola kwii-50,000 zeeRhafu kunye nokukhipha loo mali kwii-29,500 zamaRandi ezisele, kwaye unokuba ungaphantsi kwenye i-$ 5,000 okanye kunjalo, kuxhomekeke apho uhlala khona. Ouch! Enyanisweni, ubuya kuhamba kunye nesiqingatha sotyalo-mali lwakho lwangaphambili kwaye uphazamise kakhulu umhlalaphantsi wakho.
Shiya iMali kwiCwangciso soMqeshi wangaphambili
Ngoko uyazi ukuba awufuni ukuphuma kwisicwangciso xa ushiya, kodwa kufuneka wenze nantoni na? Impendulo ayikho. Ukuba ubuncinane ubuncinane be-$ 5,000 kwi-401 (k) isicwangciso sakho, abaqeshi abaninzi banika ithuba lokushiya imali yakho kwisicwangciso sakho esidala. Ngethuba nje unelisekile ngetyalo-mali kunye nokulawulwa kwesicwangciso, le nto inokukhetha, ngakumbi ukuba umqeshi wakho omtsha akanikeli i-401 (k) icebo. Kodwa usenokufuna ukuqwalasela inketho kamva (siya kukuxelela ukuba kutheni).
I-Rollover kuMqeshi Omtsha 401 (k)
Hlola nomqeshi wakho omtsha ukuba abone i-401 (k) okanye enye iplani efanelekileyo kwaye xa uza kulungele ukuthatha inxaxheba. Iiplani zomhlala-phantsi zomqeshi ezininzi ziya kwamkela ii-rollovers ezivela kwezinye izicwangciso zomqeshi ezifanelekileyo. Enyanisweni, ukwamukelwa kwemali eyongezelelweyo kukuzuza kwabo njengoko kukho imali ethe xaxa ekufuneka ihlawulise imali yokulawula. Ukuba ukhetha le ndlela kwaye kukho ixesha lokulinda lokuthatha inxaxheba kwisicwangciso somqeshi wakho omtsha, cinga ukushiya imali yakho kwisicwangciso somqeshi wakho omdala uze uvumeleke phantsi kwesicwangciso esitsha. Eyona nto ibaluleke kakhulu ekuqwalaseleni ne-rollover ukuqinisekisa ukuba ukuthengiselana ngokwenene kuyinxalenye ye-rollover (okanye i-trustee-to-trustee transfer transfer). Ukwenza oku, qinisekisa ukuba zonke iirekhodi ze-rollover zibhalwa ngqo kumlawuli omtsha wecebo, kungekhona kuwe. Ukuba ishekethi ibhaliwe ngqo kuwe, umlawuli wakho wecebo uza kutsala i-20% yerhafu kwaye uya kufuneka ufike u-20% umahluko ukuze wenze i-rollover epheleleyo kwaye ugweme irhafu. Ngethuba le meko uza kufumana umva we-20% xa ufaka irhafu yengeniso yakho yengeniso ekupheleni konyaka, nje kuphela xa uqokelele ngaphezu kwe-100% yeemali ezinsukwini ezingama-60, kodwa kutheni unyanzelekile ukuba ufike isamba esikhulu kwaye uMalume Sam makasebenzise imali yakho engenalo inzala okwangoku?
Nangona ukulungiswa kweempahla zakho zomhlalaphantsi kwisicwangciso sakho somqeshi omtsha sishukumisayo ngokufanelekileyo, kusenokuba yinto ekhethekileyo kuwe. Makhe sijonge kwi-option yokugqibela ye-401 (k) iimali zokufumana ukuba kutheni.
Rollover kwi-IRA
Ukuba awukwazi okanye awufuni ukushiya imali yakho kumqeshi wakho omdala wama-40 (k) isicwangciso kunye nomqeshi wakho omtsha akanikeli isicwangciso, unokuya kwii-bhanki okanye kwiziko lemali kwaye uvule umhlalaphantsi ngamnye womhlalaphantsi i-akhawunti (IRA) ekufuneka ihlawule imali yakho. Abasebenzi abaninzi bayakujonga le nkcazo kuba bavuyayo ukuqhubeka nokugcina impahla yabo yomhlalaphantsi kwindlela ethile yomqeshi, kodwa nasi isizathu esichukumisayo sokuba ungazifuni. Izicwangciso zomhlala-phantsi zomqeshi zininzi ziye zancinci ukhetho lokutshala imali kumgudu wo kugcina iindleko phantsi, kodwa nazo zinemali ephezulu yokulawula echithwe kwixabiso lakho le-akhawunti. Ngokukhetha i-rollover IRA, awuyikuvula kuphela amathuba akho otyalo-mali malunga nantoni na utyalo-mali kumasheya ngamnye kunye nezibophelelo kwiimali kunye kunye ne-ETF, kodwa unokuphepha iindleko ezibiza. Ngoku ke ukuphumelela ukugcina umhlala-phantsi!
Ngaphantsi
Ukushiya umqeshi wakho ngethuba elitsha kunokuba nemiphumo engaphezulu yemali kunokuba uyiqwalasele ngaphambili, kodwa ngokuqwalasela yonke impembelelo echazwe apha, unokwazi ukuvavanya impembelelo yokutshintsha imisebenzi ibe neyokugcina umhlalaphantsi kwaye wenze isigqibo esinqununu.