Zvaunoda Kuziva Usati Wafunga 401 (k) Chikwereti
401 (k) Mari Inobatsira
Kubudirira kukuru kwemakore 401 (k) chikwereti ndeyekuti iwe mose muri akakwereta uye muridzi wemari, naizvozvo iwe unozvibhadhara iwe neshamwari.
Kana iwe uchifanira kutora chikwereti, zviri nani pane kuti ubhadhara mumwe munhu. Kufarira iwe unobhadhara iwe ndeyekubhadhara mutero, zvichireva kuti inouya zvakananga kubva kune yako yekare isati yateresi uye iwe haungabhadhara mitero pairi kusvikira 401 (k) inoparadzirwa mushure mekurega basa.
Iwe unodarika zvose zvekubhadhara chikwereti uye kubhadhara mari yaunogona kuwedzera kune chikwereti chako chemari. Uye 401 (k) zvikwereti zvinowanzopiwa pamakwikwi akawanda ekufarira. Iwe unofanirwa kushandisa, asi iwe haugone kuregererwa. Izvo zvikwereti zvine zvishoma kana zvipi zvidzidzo uye hapana chekwereti chekwereti inodiwa. (Uye kusagadzikana kworudzi urwu rwechikwereti hauna chikwereti chimwechete chinokonzera kuti icho chaizova pamutengo wechikwereti.)
401 (k) Zvikwereti uye Zvibvumirano
Kazhinji, vanhu vanobvumirwa kukwereta 50% ye 401 yavo (k) nhoroondo yekodha kusvika ku $ 50,000. Vangavewo vane zvishoma zvishoma pamadhora anosvika $ 1000. Mitemo ye 401 (k) zvikwereti zvinowanikwa makore mashanu kana zvishoma.
Kana uri kushandisa mari kutenga imba, unogona kupiwa nguva yakareba yekubhadhara kusvika makore gumi nemashanu. Sezvo muridzi we 401 (k) nhoroondo, iwe unogona kusarudza kuti zvipi zvingaita kuti uite chikwereti kubva, kuitira kuti ugone kukwereta mari kunze kwekuti uite zvido zvako zvekuita zviri nani. Mutungamiri weurongwa wako anogona kukupa manzwiro emiganhu uye zvidzidzo zvakananga kuakaunti yako.
401 (k) Kukanganiswa Kwemari
Pane zvipingamupinyi zviviri zvakakura zvikuru kune 401 (k) chikwereti. Yokutanga ndechokuti iwe uri kushandisa mari ingadai yakashanda iwe. Iko mari yakakosha, nokuti iwe uri kurasikirwa pane zvingaita kukura. (Kuti uve wakarurama, unogonawo kurasikirwa pamusika wakaipa, unogona kuva chinhu chakanakisisa.) Chokwadi, iwe uri kuwana chido somunhu anokweretesa, asi haisi yepamusoro yezvibereko.
Chechipiri kusagadzikana ndiko kukwanisa kusina. Kana ukarasikirwa nebasa rako kana kusiya basa rako, zvirongwa zvakawanda zvinoda kuti iwe udzorere chikwereti mukati mazuva makumi matanhatu. Mushure meizvozvo, ichaonekwa sekupararira pane 401 (k) yako. Iwe uchave uchikwereta mitero pamari, pamwe (kana uri muduku kudarika 59 ½) mubhadharo 10% yemhosva. Chimbofungidzira chiitiko chawakaradzirwa nacho uye kamwe-kamwe uchisarudzwa kuti uchisarudzire pakati pekubhadhara chikwereti chikuru kana kuti mutero mukuru wemutero. Izvi zvinogona kuitika nyore nyore kana iwe ukatora chikwereti 401 (k) chikwereti. (Pane zvimwe zvikwereti kusvika ku 401k kutanga kutora chirango .)
Saka Unofanira Kutora 401 (k) Kwereta?
Chinhu chakakosha iwe unoda 401 (k) kukurudzira kuchengetedza zvakachengeteka. Chinhu chipi nechipi chinoisa izvi pangozi chinofanirwa kunyatsofungiswa. Kana iwe wega wega sarudzo yekukwevera mari yacho kubva kune yako 401 (k) zvachose, kupfuura chikwereti ndiyo nzira yakanakisisa.
Zvisinei, kana mune zvimwe zvingasarudzwa, ingosiya 401 (k) ndoga .
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.