Unokubanceda njani kwiSicwangciso soMhlala-phantsi ka-401k ngo-2014?
Yiyiphi imingcele ye-401k yomhlala-phantsi yomhlala-phantsi ngo-2014?
Kutheni kusadingeka ukwazi le ngcaciso, kunikwe ukuba i-2014 iphelile? Le ngcaciso ingakunceda njani ukulondoloza umhlalaphantsi kwixesha langoku kunye nekamva?
Kutheni Ndifanele Ndilandele Le nto?
Masiqale nge "kutheni." Ukugcina iirekhodi ezimnandi zemali, ngokukodwa malunga nentlawulo yakho yentlawulo, ngumkhwa obalulekileyo. Gcina irekhodi lemingcele yomrhumo wempesheni yonyaka, kunye nerekhodi yepesenti yaloo mda odibana nawo.
Ngokwenza njalo, ungayilandela inkqubela yakho.
Ngokomzekelo, cinga ukuba ngo-2013, iminikelo yakho ilingana nama-70 ekhulwini lomyinge okhoyo. Ngomhla ka-2014, wanikela ngepesenti ezingama-80 zomlinganiselo ovumelekileyo. Uyabona ukuba izinga lakho lokulondoloza liphucula.
Ngokwahlukileyo, ukuba unika igalelo ukuya kwii-80 zeepesenti eziphambili ngo-2013 kodwa iipesenti ezingama-70 kuphela eziphezulu kwi-2014, unokubona ukuba izinga lakho lokulondoloza liyancipha. Emva kokuba unolwazi, ungathatha amanyathelo okulungisa.
Abantu abaninzi balandela izinga lokugcina imali njengoko kulinganiswa nomvuzo wabo . Ukuba bayifumana i-$ 50,000 kwaye bagcine i-$ 5,000, umzekelo, baya kukwazi ukuba bayasindisa iipesenti ezili-10 zengeniso yabo.
Kodwa abantu abaninzi abanakulinganisa umlinganiselo wabo wokulondoloza njengoko kulinganiswa ngokubhekiselele kwizinga eliphezulu lokugcina imali. Ukuba umrhumo wokuthatha umhlala-phantsi ungama-$ 18,000 kwaye baye bagcina i-$ 9,000, bahlala kwisiqingatha. Le ngcaciso ibanika i-goa l ukubetha ngonyaka ozayo.
Kukho idumela elidumileyo elithi "oko kulandelwayo, kuphuculwe." Ngokulinganisa nokulandelela ukugcinwa kwakho komhlala-phantsi, ngokumalunga nemida yokuthatha umhlala-phantsi wonyaka, ungaqala ukuqhuba inkqubela phambili kule ndawo.
Yiyiphi imingcele ye-401k Impepha?
Umyinge we-401k womhlalaphantsi uthatha utshintsho rhoqo.
Unyaka ngamnye, utshintshela ukuhamba ngokunyuka kwamaxabiso.
Ngo-2014, nangona kunjalo, akukho zinguqu kwiimali zenkxaso ye-401k. Abantu abaneminyaka yobudala engama-49 nangaphantsi banokufaka isandla kwi-17,500 yee-401k okanye 403b zoomhlala phantsi.
Abantu abaneminyaka engama-50 nangaphezulu bangafaka i-$ 500,500 eyongezelelweyo ngonyaka malunga nelo mali, ukuba kubekho umyinge we-$ 23,000.
Imida yegalelo ye-IRA ayiguqukanga, ngokunjalo. Ngo-2014, abantu abafanelekileyo banokufaka i-$ 500 zamaRandi kwi- Roth IRA . Ukuba uneminyaka engama-50 okanye ngaphezulu, unokuba negalelo elingaphezulu kweedola ezili-1,000, ngokulinganiselwa kuma-6 500.
Phakathi kwama-401k kunye ne-IRA imida ehlangene, abahlawuli berhafu abaneminyaka engama-49 nangaphantsi bangakwazi ukugcina i-$ 23,000 ngonyaka wama-2014, kunye nabarhafeleli abaneminyaka engama-50 nangaphezulu bangagcina i-$ 29,500 ngomhlalaphantsi. Oko akubi kakhulu!
Ungalibali: Uhlala ukhululekile ukugcina imali ethe xaxa - njengoko ufuna - ngomhlalaphantsi , ukuba ugcina imali kwi-akhawunti yokulondoloza, i-CD, i-TIPS, okanye i-akhawunti yomrhwebi.
Ngeke ufumane inzuzo yerhafu kuloo mali, ngaphaya komda okhankanywe ngasentla. Kodwa basalondoloza. Uya kuba neepotfoliyo enkulu enokuyibamba ngexesha lakho legolide.