Uyikhipha kanjani imali ku-401k. Ngingayithola kanjani imali yami ku-401k?
Ukukhipha imali kusuka ku-401 (k) kuyisinqumo esihle . Imininingwane yokuthi ungayithola kanjani imali ku uhlelo 401 (k) Kuya ngeminyaka yakho, uhlelo lomqashi, ukuthi ngabe usasebenzela inkampani exhasa uhlelo lwakho lwama-401 (k), nohlobo lomhlalaphansi olwenzayo.
Uma usufinyelele eminyakeni yobudala yokuthatha umhlalaphansi futhi awusasebenzi, kuzoba inqubo ehluke kakhulu kunokuthi uma usesebhizinisini, ukhipha imali kusenesikhathi, noma udinga ukubolekwa imali. Kuzodingeka uhlole ukuphrinta okuhle kuhlelo lwakho ukubona ukuthi yiziphi izinhlobo zokuhoxiswa ezivunyelwe.
Ngingayikhipha imali kuma-401 (k) ami ngenkathi ngisebenza?
Akubona bonke abaqashi abakuvumela ukuthi ukhiphe imali kuhlelo lwakho lwama-401 (k) ngenkathi ngisebenza. Buza umphathi wakho we-401 (k) noma umhlinzeki ukuze ubone ukuthi yini engenzeka. Ngokuvamile, uzokwazi ukuthatha i-401 (k) imalimboleko, umhlalaphansi wobunzima, noma ukusatshalaliswa kwenkonzo.
Ungayithola kanjani imali ku-401 (k) ngenkathi usebenza
1. 401 (k) imali mboleko
Ngingayithola kanjani imali yami ku-401k? Thatha imalimboleko 401 (k) ikuvumela ukuthi uthole isamba semali oyitholile njengamanje engama-401 (k) bese ushintsha lezo zimali ngezinkokhelo ezidonswe ngqo emholweni wakho. Lezi zinkokhelo zifaka okuyinhloko nenzalo. Abanye abaqashi bavumela kuphela ukubolekwa kwemali okucindezelekile, kepha abanye bavumela ama-401 (k) imali mboleko yabasebenzi abadinga ukuboleka imali yokuthenga ikhaya, ukuqasha imoto, noma ukukhokhela ezinye izindleko ezinkulu.
Amapulani amaningi anciphisa imali mboleko ibe ngu- $ 50,000 noma uhhafu webhalansi yakho oyinikiwe , kuya ngokuthi yikuphi okuncane. Kodwa-ke, ungaboleka iphesenti eliphakeme uma i-akhawunti yakho ibiza ngaphansi kwama- $ 20,000. Imvamisa awekho amaphepha amaningi futhi akukho ukubhekwa kwesikweletu. Kungadingeka ukhokhe imali encane yokucubungula, kodwa lokho kungenzeka.
Ngokuvamile, kuzodingeka ukhokhe inani elibolekwe kungakapheli iminyaka emihlanu, ngaphandle kokuthi uxhasa imali yokuhlala oyisisekelo ngemalimboleko. Uzokhokha imali mboleko ngemali yentela, ngokungafani neminikelo yokuqala engu-401 (k), evame ukudonswa intela. Kufanele wazi futhi ukuthi ama-401 (k) okubolekwa kwemali kuzokwehlisa ukukhula kwakho kokutshala imali, ngoba ngeke uzuze inzalo ehlanganisayo kunani oliboleke kuhlelo lwakho.
2.Ukuhoxiswa kobunzima bezezimali 401 (k)
Uma ubhekene nesikhathi esinzima ikakhulukazi futhi ukhombisa isidingo esiqinile futhi esisheshayo sezezimali , iningi le- izinhlelo zizovumela ukuhoxa kobunzima . Izizathu ezijwayelekile zokuhoxiswa kosizi kufaka phakathi izinkokhelo zokugwema i- ukucwiliswa noma ukuxoshwa endaweni ohlala kuyo , ukukhokhelwa phansi kwe ikhaya lokuqala , izindleko ze umngcwabo noma umngcwabo , izifundo zasekolishi noma abanye imali yokufunda , izindleko odokotela noma ukulungisa umonakalo ekhaya lakho. Kuzodingeka uchaze ubunzima bakho kumphathi wakho we-401 (k). Kwezinye izimo, umhlinzeki wakho angakucela ukuthi unikeze ubufakazi bobunzima.
Ukuhoxiswa kwemali akunazinhlawulo ezimweni ezithile okufana nokuthi isikweletu sakho sezokwelapha sidlula u-7.5% wemali yakho engenayo eshintshiwe, ukhubazekile, noma inkantolo ifuna ukuthi unikeze imali kumlingani ohlukanisile, ingane, noma oncike kuye. Okunye ukuhoxa ngenxa yobunzima bezezimali kuzoletha isijeziso esingu-10%. Cishe ngaso sonke isikhathi kuzofanele ukhokhe intela yemali ejwayelekile emalini ekhishiwe.
Awukwazi ukufaka isandla kuhlelo lwakho lwama-401 (k) izinyanga eziyisithupha ngemuva kokuthatha ukuhoxiswa kobunzima okungama-401 (k). Ngemuva kokudlula kwezinyanga eziyisithupha, ungaqala kabusha ukunikela kuze kufike enanini eliphezulu ngemuva kwalokho, kepha awukwazi ukubuyisa inani lokukhishwa kobunzima bezezimali.
3. Ukusatshalaliswa enkonzweni
Noma kungavamile, ezinye izinhlelo zikuvumela ukuthi ukhiphe imali ngenkathi usasebenza usebenzisa ukusatshalaliswa kwangaphakathi kwenkonzo ngaphandle kwenkinga. Ukusatshalaliswa kwangaphakathi nohlelo kukuvumela ukuthi ukhiphe imali ngaphambi kokufinyelela kumcimbi ocasulayo, njengokufinyelela eminyakeni ethile noma ukushiya umqashi wakho.
Lokhu kuzokuvumela ukuthi udlulise izimpahla zisuke ku-401 (k) zakho ziye kwi-IRA, zikunikeze ukuguquguquka okwengeziwe nokulawula uhlelo lokutshala imali. Kodwa-ke, le nkululeko ifika ezindlekweni: Ukusatshalaliswa kwangaphakathi nohlelo kungaletha imali ephakeme futhi kuvimbele ukwabiwa okuzayo.
Ungayithola kanjani imali ku-401 (k) ngemuva kokuthatha umhlalaphansi
Lapho ufinyelela umhlalaphansi, unezinketho ezimbalwa. Ungaqala ukwenza ukusatshalaliswa okufanelekile, udonse isamba semali, uvumele i-akhawunti yakho iqhubeke nokuqongelela inzuzo, noma idlulisele izimpahla zakho ezingama-401 (k) kwi-akhawunti ye-IRA.
1. Ukuhoxiswa okujwayelekile kwe-401 (k)
Lokhu kusebenza uma uneminyaka engaphezu kwengu-59½ noma, kwezinye izimo, ungaphezu kweminyaka engama-55 ubudala. Abahlinzeki abaningi bavumela ukuhoxa okuhleliwe njalo ngenyanga noma ngekota. Uma ukhipha imali ku-401 (k), ibhalansi esele ingaqhubeka ikhule ngokuya ngephothifoliyo yakho yokutshala imali. Uma ulinda uze ube neminyaka engama-70½ ukuze uhoxe, kuzofanele uhoxeubuncane bokusabalalisa okudingekayo, noma i-RMD, okungamanani ezikhathi ezithile asuselwa kubude besikhathi sokuphila nakwibhalansi ye-akhawunti. Ungahlala ukhipha okungaphezulu, kepha hhayi okuncane.
Abeluleki bezezimali bavame ukuncoma izinga lokuhoxa phakathi kuka-2% no-7% ngonyaka , kepha kuya ngezidingo zakho. Cabanga isikhathi sakho sokuphila, izindleko, okunye ukutshalwa kwezimali, isimo somndeni, isimo somsebenzi, kanye nezinzuzo Zokuvikeleka Komphakathi. Ungabala umphumela ongaba khona ngokuhlola ibhalansi ye-akhawunti yakho nesabelomali samanje. Siphakamisa ukuthi kubhekwe ukuthi izinga lokuhoxa elingu-4% lingangeza kanjani futhi livumelane ukusuka lapho.
Isinyathelo sokuqala sokuthatha umhlalaphansi ukuxhumana nommeleli wakho wezabasebenzi noma umphathi wakho wohlelo lwama-401 (k) noma ushayele inombolo esitatimendeni sakho esingu-401 (k). Bangakunikeza ngemibhalo oyidingayo ukuze uthole imali nge-401 (k).
2. Ukusatshalaliswa kokuqala kuka-401 (k)
Le nketho isebenza kubantu abangakabi neminyaka engama-59½ noma engama-55 ubudala, kuya ngecala, futhi abebesebenzela inkampani isikhathi esithe xaxa. Ngokusatshalaliswa kuka-401 k kokuqala, uzokhokha intela yemali kanye nenhlawulo engu-10%.
3. Dlulisa i-401 (k) ku-IRA
Lokhu kuyindlela enhle uma ungafuni ukukhipha imali njalo. Ninidlulisa i-401 (k) yakho kwi-akhawunti ye-IRA, ungagcina imali yakho ku-IRA bese uyikhipha kuphela uma uyidinga. Uzokhokha kuphela intela kunani olikhipha unyaka nonyaka.
Umphumela
Imibhalo kanye nenqubo kuzohluka ngokuya ngomqashi wakho kanye nohlobo lokuhoxa okwenzayo. Ngemuva kokugcwalisa imibhalo, uzothola isheke lemali oyicelile.
Vele ugcine engqondweni ukuthi ukuhoxa kungaphansiinhlawulo ka-10%uma kuthathwe ngaphambi kweminyaka yobudala engama-59½. Kuzodingeka futhi ukhokhe intela yemali kulelo nani futhi ukukhula okungaba khona kuzolahleka. Kungcono ukugwema ukuthatha ukusatshalaliswa komhlalaphansi ngaphambi kwesikhathi uma kungenzeka.
Amathiphu wokuhlelela umhlalaphansi
- Ukugwema ukungena esimweni lapho uphoqeleka khona ukuboleka kuhlelo lwakho lwama-401 (k), cabanga ngokubonisana nomeluleki wezezimali. Umeluleki wezezimali angakusiza wenze isabelomali futhi wandise nokonga kwakho.
- Thola umbono wokuthi uzodinga kangakanani ukonga umhlalaphansi. I-wokubala wokuthatha umhlalaphansikungasiza ekunqumeni ukuthi imali oyongela umhlalaphansi isendleleni efanele yini.
- Qala kusenesikhathi bese ugcina imali yakho kwi-akhawunti yakho yomhlalaphansi. Uma unemali yakho isikhathi eside ku-akhawunti yakho yomhlalaphansi futhi unemali eningi lapho, umsebenzi omningi ongakwenzela wona.
Izinkomba:
- Isevisi Yemali Yangaphakathi. Isihloko No. 424: 401 (k) Izinhlelo . Kufinyelelwe ngoMashi 10, 2020.
- UMTHETHO WOKUKHATHALELA. H. R. 748 . Kufinyelelwe ngo-Ephreli 6, 2020.
- Isevisi Yemali Yangaphakathi. 401 (k) Umhlahlandlela Wezinsiza - Hlela Ababambiqhaza - Imithetho Ejwayelekile Yokusabalalisa . Kufinyelelwe ngoMashi 10, 2020.
- ICongress yaseU.S. UMthetho WOKUPHEPHA KA-2019, Sec. 113 . Kufinyelelwe ngoMashi 10, 2020.
- Ukwethembeka. Ukucatshangelwa kwe-Old 401 (k) . Kufinyelelwe ngoMashi 25, 2020.
- IRS. 401 (k) Hlela izidingo zokufaneleka . Kufinyelelwe ngoMashi 25, 2020.
Okuqukethwe
- Ngingayikhipha imali kuma-401 (k) ami ngenkathi ngisebenza?
- Ungayithola kanjani imali ku-401 (k) ngenkathi usebenza
- 1. 401 (k) imali mboleko
- 2.Ukuhoxiswa kobunzima bezezimali 401 (k)
- 3. Ukusatshalaliswa enkonzweni
- Ungayithola kanjani imali ku-401 (k) ngemuva kokuthatha umhlalaphansi
- 1. Ukuhoxiswa okujwayelekile kwe-401 (k)
- 2. Ukusatshalaliswa kokuqala kuka-401 (k)
- 3. Dlulisa i-401 (k) ku-IRA
- Umphumela
- Amathiphu wokuhlelela umhlalaphansi
- Uyikhokha kanjani i-Quick Credit card
- Ungayithola kanjani ilayisense yokunakekela asebekhulile? - Konke lapha
- Ungaligcwalisa kanjani i-oda lemali le-IRS
- Ungasinyusa kanjani isikolo sakho sekhredithi esheshayo
- Uyithola kanjani imali ekhadini lesikweletu?
- Ikhadi lami lasebhange kwebiwe bakhipha imali, ngenzenjani?