IziCwangciso eziQinisekisiweyo zokuSebenza abaSebenzi kunye nabaSebenzi
Iindidi zezicwangciso ezifanelekileyo eziza kukuva malunga nezona zicwangciso zokwabelana ngenzuzo kuquka 401 (k) no-403 (b) izicwangciso.
Ezinye iintlobo eziqhelekileyo zezicwangciso ezifanelekileyo ziquka izicwangciso ezixhamliweyo zenkxaso kunye nezicwangciso zempesheni yokuthenga imali Ngokubanzi, igalelo kwiiplani ezininzi ezifanelekileyo azihlawulwanga uze uqale ukuthatha ukurhoxiswa kwisicwangciso.
IziCwangciso zokuHlala ngokuFanisekileyo zizuze njani abaSebenzi / abaCwangcisi beCwangciso?
Izicwangciso ezifanelekileyo zibonelela ngeenzuzo ezibalulekileyo zerhafu kumashishini amakhulu namancinci. Enye inzuzo ngokukhawuleza kukuba abaqeshi bafumana ukuhlawula irhafu ngeminikelo abayenzayo egameni labasebenzi babo. Amashishini angamkela iirhafu ezizodwa kunye nezinye izikhuthazo zokuqala isicwangciso esifanelekileyo.
Iminikelo yomqeshi irhoxiswa irhafu. Ezinye iintlawulo zibandakanya ukuba i-asethi kwisicwangciso sikhula i-tax-free kunye negalelo lomqeshi i-deductible yentlawulo. Kubanikazi bamashishini amancinci, izicwangciso ezifanelekileyo zivumela ukuba wenze utyalo-mali oluninzi kumhlalaphantsi wakho.
Iinjongo zesicwangciso esifanelekileyo azikhawulelwanga kwikhefu zerhafu.
Izicwangciso zokuthatha umhlala-phantsi ezifanelekileyo zidlala indima ebalulekileyo ekuncedeni abaqashi ukuba bafumane kwaye bagcine abasebenzi abaxabisekileyo.
Isicwangciso esifanelekileyo sisinokuba siyi-benefit-benefit okanye isicwangciso-mali esichaziweyo. Izicwangciso ezixeliweyo-nzuzo zihlawula inzuzo engagxininiswa ngokusekelwe kwiminyaka yenkonzo kunye nembali yomvuzo.
Izicwangciso zempesheni zemveli ziye zatshitshiswa ekuthandeni ngokutsha kodwa zihlala ngumzekelo omhle wesicwangciso-nzuzo esichaziweyo. Izicwangciso zegalelo ezichaziweyo zixhomekeke kwiminikelo kwaye ingaba inxaxheba-inzuzo okanye isicwangciso sokuthenga imali.
Ngo-2018, umqeshwa omntu unokufumana kwiingeniso zonyaka phantsi kwesicwangciso esicacisiwe-mali esincinci ye-220,000 okanye i-100 ekhulwini lomvuzo omyinge omkhulu abawuthola kwixesha elilandelelanayo leminyaka emithathu. (Umda ophezulu-mali ochaziweyo-i-plates-benefit benefits) ivumela abaqeshi ukuba bahlawule umhlalaphantsi onokuhlawula inzuzo kwintsali yomsebenzi womhlala phantsi.
Ngo-2018, igalelo elivumelekileyo elongezelelweyo kwisicwangciso segalelo esichaziweyo singaphantsi kwe-$ 55,000 (i-$ 61,000 ukuba i-50+ ubudala) okanye i-100 ekhulwini yembuyekezo.
Ukuhlaziywa konyaka ophezulu komqeshwa ngamnye onokuqwalaselwa phantsi kwesicwangciso salo nyaka, akufanele kudlule i-$ 275,000 ngo-2018 kwaye ixhomekeke kwiinguqu zokuhlala kweendleko kwiminyaka kamva.
IziCwangciso zoBucala abaSebenzayo ezifanelekileyo?
Ukufikeleleka kwisicwangciso esifanelekileyo ngokubanzi kunika ngokulula, ikhefu lokukhawuleza lorhafu ... kunye nemali engenakho imali. I-401 (k), 403 (b) okanye icebo elifanayo lingaba yindlela enye efanelekileyo yokuxhaswa umhlalaphantsi wakho wephupha njengoko ezi zicwangciso ezifanelekileyo zibonelela ithuba lokudala imali engenayo yomhlalaphantsi.
Imirhumo yemirhumo imisiwe ize isasazwe.
Enye inzuzo kubasebenzi yinto yokuba iminikelo ilula kwaye ikulungele ukwenza ngokwenza lula ukuhluthwa kwemivuzo. Ukuba umqeshi wakho ufanisana nomnikelo, isigqibo sokwenza inxaxheba kufuneka sibe lula. Cinga loo mrhumo ehambelanayo ukuba ibhonasi ekhethekileyo uza kufumana ixesha lokuhlawula elinye. Ngokuqhelekileyo kucetyiswa ukuba uzame ukufaka isandla kwisicwangciso sakho somhlala-phantsi esixhaswe ngumqeshi njengokuba ufuna ukuba ufumane umlinganiselo omkhulu womqeshi.
Iminikelo yakho yokuthatha umhlalaphantsi kwisicwangciso esifanelekileyo iya kuqhubeka ikhula ikhuselwe kwiirhafu uze uhoxise imali. Izabelo ziya kuhlawulwa irhafu kwerhafu yakho yerhafu. Enye inzuzo uza kuba neenketho ezininzi zokutshala imali ukukhetha kwiindawo ezininzi kunye nezicwangciso ezifanelekileyo ezibonelela ngokubonelela ngeendleko ezincinci kunye nokufikelela kwiingcebiso zentengiso-mali.
Enye inzuzo eyongeziweyo yokuba abathathi-nxaxheba abaninzi abajongene neendawo ezifanelekileyo ezicwangcisiweyo zikhuselwe phantsi kwe-ERISA kubathengi.
Ngo-2018, unako ukufaka isandla kwi $ 18,500 ukuya kwi-401 (k) okanye 403 (b) isicwangciso (kunye negalelo elongezelelweyo le-6,000 "lokubambisa" xa uneminyaka engama-50 okanye ngaphezulu). Ekubeni igalelo lakho lenziwa kunye iidola ezingaphambi kweerhafu, ungayinqumla ibhajethi yakho yokugqibela yerhafu ngeminyaka ngamakhulu okanye amawaka eedola!
Ukufingqa, ukuba unalo ithuba lokugcina umhlala phantsi kwisicwangciso somhlala-phantsi ofanelekileyo, sebenzisa ngokupheleleyo eli thuba legolide. Inene yindlela elula kwaye elula yokunika amaphupha akho omhlala phantsi ube yi-kickstart enempilo.