Dzidza Nezvipo Zvokuchengetedza Kubhadhara MuPato Usati Watere 401 (k)
Nhamba ye 401 yako (k) zvipo zvinowedzera kuderedza mari yako inotengesa. Somugumisiro, izvi zvinoreva kuti iwe uchabhadhara mutero kune mari shoma inowanikwa. Kana ukangosarudza mari iyo iwe unokwanisa kuchengetedza mumutero wemari, iwe uchawanzoona kuti zvipo zvinokubhadhara iwe zvishoma pane zvaungatarisira.
Ko 401 (k) zvipo zvinoderedza mari yako inotengesa?
Kunyatsoratidza kuti iwe uchabhadhara mari yakawanda sei muHurumende yemitero yakabhadharwa inobva pamutero wako unotengesa. Kune mazano mashomanana ekugadzirisa mari iwe unogona kushandisa kuderedza iwe unotengesa. Dzimwe nzira dzinowanzopedza kuderedza mari yako inotengesa inosanganisira kuisa kunze kwemari yekubhadhara mari yehutano yakabatanidzwa muHSA kana FSA, kubhadhara mari yekuchengeta vana neCond Care Care FSA, mari yekubhadhara yehurumende isati yatora, kuchengetedza muIra deductible, nekupa tsika 401 (k) chirongwa. Kana iwe uchideredza mari yako inotengesa, iwe unoderedza mutero wemutero waunobhadhara.
Ramba uchifunga kuti 401 (k) zvipo zvinowanzobhadhara, zvichireva kuti mari yako inotengesa inoderedzwa nemari yaunoisa mu 401 (k) nhoroondo yako. Kusiyanisa kunosanganisira Roth 401 (k) uye imwe mushure mitekero 401 (k) mipiro.
Nokuti mitero yemutero isati yasvika inoderedza mari inoshandiswa uye iwe unobhadhara mutero usingabhadhari, mari yako yokutora pamba haigone kuderedzwa nemari yakazara yemupiro wako.
Muenzaniso 1:
Heano muenzaniso wekuti unoshanda sei kune munhu mumwe chete ane $ 45,000 mubhadharo anopa 10 muzana yemisha yavo mikuru:
| Purogiramu yakawanda inobhadharwa kaviri pamwedzi ($ 45,000 pagore): | $ 1,875 |
| Nhare yekubhadhara kana yakabhadharwa kaviri pamwedzi pasina 401 (k) mupiro: | $ 1,559.43 |
| Nhare yekubhadhara kana yakabhadharwa kaviri pamwedzi Iine $ 375 401 (k) mupiro: | $ 1,394.43 |
| Kusiyana: | $ 165 |
Kunyange zvazvo munhu uyu achipa $ 187.50 pamubhadhara, nokuti vari kubhadhara mutero pamusana pekuwana mari, mubhadharo wavo unongowanikwa ne $ 165. Iko $ 22.50 misiyano inomiririra kusati kwabhadhara mari. (Cherechedza: Chaizvoizvo kugadzirirwa kusati kwabhadhara kunogona kuve kwakakura kana zvichienderana nehurumende kana mutero wemunharaunda).
Muenzaniso wechipiri:
Heano muenzaniso wakafanana wemunhu mumwe chete ane $ 90,000 mubhadharo anopa 10 muzana yemisha yavo mikuru:
| Purogiramu yakawanda inobhadharwa kaviri pamwedzi ($ 90,000 pagore): | $ 3,750 |
| Nhare yekubhadhara kana yakabhadharwa kaviri pamwedzi pasina 401 (k) mupiro: | $ 3,044.33 |
| Nhare yekubhadhara kana yakabhadharwa kaviri pamwedzi Iine $ 375 401 (k) mupiro: | $ 2,753.99 |
| Kusiyana: | $ 308.34 |
Kunyange zvazvo munhu uyu achipa $ 375.00 pamubhadharo, nokuti vari kubhadhara mutero pamusana pekuwana mari, mubhadharo wavo unongowanikwa ne $ 308.34. Dhiyabhorosi ye $ 66.66 inomiririra kubhadhara mari isati yasvika. (Cherechedza: Chaizvoizvo kugadzirirwa kusati kwabhadhara kunogona kuve kwakakura kana zvichienderana nehurumende kana mutero wemunharaunda).
Muenzaniso 3:
Heano mumwe muenzaniso kune munhu akaroorwa ane $ 80,000 mubhadharo uye achipa 10 muzana kusvika kune 401 (k) uye achitsvaga zvipo zero paFomu W-4:
| Purogiramu yakawanda inobhadharwa kaviri pamwedzi ($ 80,000 pagore): | $ 3,333 |
| Nhare yekubhadhara kana yakabhadharwa kaviri pamwedzi pasina 401 (k) mupiro: | $ 2,825.31 |
| Nhare yekubhadhara kana yakabhadharwa kaviri pamwedzi Iine $ 333.30 401 (k) mupiro: | $ 2,532.01 |
| Kusiyana: | $ 293.30 |
Kunyange zvazvo munhu uyu achipa $ 333 pamari yekubhadhara, nokuti vari kubhadhara mutero pamusana pekuwana mari, mubhadharo wavo ndeye $ 293.30 zviduku.
Kunzwisisa Marginal Tax Tax Bracket
Mari yekubhadhara inova inonyanya kukosha kana iwe uri mune imwe nzvimbo yakakwirira yemari yemutero. Mitemo yekare yemitero inoita kuti zvive zvakakosha kubvunzurudza kuti uri kubatsirwa zvakadini nekudhura yako 401 (k) zvipo. Kana iwe unonakidzwa nokuwana iyo mari yekubhadhara mitero nhasi uye unotarisira kuva imwechete kana kuti pasi yebhasikiti yemutero mukati memakore ako ekurega basa iwe unofanirwa kuenderera mberi uchiita mitsva yekuteresa kune 401 (k) hurongwa. Zvisinei, kana iwe unofunga kuti uri mubhaketi yakakwirira yepamusoro kana unosarudza pfungwa yekusasirwa mutero kusina mari yaunowana iwe ungasarudza kupa michero kune Roth 401 (k).
Summary
Kana iwe wakafanana nevanhu vazhinji, kuchengetedza kubhadhara chikamu chinokosha cheurongwa hwehupenyu hwemari. Kubhadhara mari shoma yakawanda nokuti zvipo zvako zvinotapudza mari inowanikwa mari inowanikwa bhonasi. Iva nechokwadi chekushandisa zvinoshandiswa ne 401 (k) chirongwa chinopiwa nekambani yako uye unakidzwe nezvikomborero zvekuchengetedza mari pamutambo usati watere. Muna 401 (k) chirongwa, mari yako inowedzerawo mitero-yakasimudzwa, zvinoreva kuti iwe haufaniri kubhadhara mitero pane zvaunowana kutozosvikira iwe uchibvisa mari pamubhedha. Iwe unogona kuunganidza zvakawanda mu 401 yako (k) hurongwa kupfuura iwe mumakero ako anotengesa nokuti hauri kubhadhara mutero gore negore pamubhadharo.
Pane zvimwe zvikonzero zvekuchengetedza basa rekurega basa muna 401 (k) nhoroondo. Vamwe vashandi vanopa mari yakaenzana sechimwe chikonzero chekukurudzira mari yekuenda kumusha. Makambani emakambani anowanzoenderana nehurongwa hwekugovera, iyo nguva yenguva iyo inofanirwa kupfuudza kuti mari yakaenzana ive yako kana iwe uchizosiya mushandi wako. Iwe unogara uri 100 muzana inowanikwa mune mari yaunopa.