Iyo Top 401 (k) Mhosva Dzinogona Kukuvadza Kusava Nenharaunda Yako
Nokukudzidzisa zvavari, ndinotarisira kukupa mukana wakanaka wekusamboziva pakutanga kutambura kwekutora mari kubva kwauri yaifanira kunge yakagara muhomwe yako.
Yokutanga 401 (k) Chirwere Chinofanira Kudzivirira ndiyo 10% Yekutanga Kubhadhara Mari
Mukutsinhanisa nemitero yakawanda yemitero uye yezvidziviriro zvekuchengetedzwa kwezvinhu zvinopiwa kune vashandi vanoshandisa mari ye 401 (k) hurongwa, Kongamire inogadza mitemo yakanyatsokwana apo, uye sei, iwe unogona kuita kuti uende kubva kubhuku rako. Zvose zvinowanzoitika ndezvi 10% zvekutanga kutora chirango pamari yakatorwa kubva kune yako 401 (k) usati wasvitsa makore 59.5. 10% yekutanga kubvisa chirango chiri kuwedzera kune chero Federal, state, uye mitero yemunharaunda yaunofanira kubhadhara pane yako 401 (k) kubvisa, zvichiita kuti iwe uwane mari inopfuura 50% yemari yako yakabviswa kubva kwauri sechirango chekutsvaga yako kubhadhara mari.
Iwe unogona sei kudzivisa izvi zvakanyanya 401 (k) chirango?
Pasi pemitemo yemazuva ano, pane zvinyorwa zvisere zvakanyorerwa mumutemo uye zvaunokwanisa kuita. Kana iwe uchizvibetsera pane imwe yezvikwereti izvi, iwe haufaniri kubhadhara 10% yekutanga kubvisa chirango, chete chete mitero yemari yaunenge waita chikwereti.
Chechipiri 401 (k) Chirwere Chokudzivisa Ndiyo Surtax Inopfuura 401 (k) Mipiro
Congress inonyanya kujeka pakuronga 401 (k) miganhu yezvipo inogadzirisa huwandu hwemari yaunogona kuisa muakaunti yako gore negore. Kana iwe ukapfuura izvi zvakasimba 401 (k) mitezo yemiganhu, iwe une mhaka yekuita izvo zvinozivikanwa se "mupiro wakanyanya". Mipiro yakawanda inotarirwa kune imwe chirango chinowanikwa mukana yemutero wemadhora.
Kunyanya, maererano neFidelity, imwe yepamusoro 401 (k) chirongwa chevatariri munyika, "Mubairo wezvipo zvakanyanyisa ndeye 6 muzana.Imapfumbamwe 6 inongororwa pamusoro pehuwandu hwekuwedzera. iwe ukabvisa mari yakawandisa mberi kwekuguma kwegore rekutere, iwe hauchazoongororwa chirango pamutengo wemugove wekuwedzera. " Mune mamwe mazwi, pane mashoko akanaka mune kuti iwe unogona kuva nemukana mukudzivisa izvi 401 (k) chirango kana iwe ukawana mupiro wakawandisa kubva mubhuku rako risati rasvika mutengo wegore wegore wakapiwa.
Zvimwe 401 (k) Mhosva uye Mitero Unogona Kuzvidzivirira
Kunyange zvazvo makumi maviri nemakumi mana (k) chirango chatakambokurukurirana - mari 10% yekutanga yekudzorera uye kubhadhara pazvipo zvakanyanya - ndeyevo vashandi vanowanzosangana nenguva yavo yeupenyu, kune mamwe mamiriro ezvinhu maungawana kuti muri kubhadhara mari yaungadai usina kutora chikwereti kana iwe wakapa mari kana kutora 401 (k) mari maererano nemitemo.
Chimwe muenzaniso ndekushandiswa kwevakakwereta mari mukati me 401 (k). Akakosha uye yakakwirira mumatare anokosha avo vanoita mari yekuti 401 (k) vanozivikanwa se "self-directed 401 (k)" kana avo vakatamisa 401 (k) muRogover IRA vanogona kuedzwa kuisa mari muzvinhu zvakadai semudzidzisi zvishoma kubatana kana zvakanyatsosimbiswa zvikwereti zvemakambani zvinoshandisa zvivako zvekumba zvezvivako zvinoshandiswa kuburikidza nekushandiswa kwemari yechikwereti kana kusungirwa zvisungo zvakachengetwa. Kune vashandi vakarurama, pasi pemamiriro ezvinhu akanaka, kunyanya kana yakaitwa nekambani-gasive inoshambadza yekambani yekambani inoita kuti vapfumi, zvinetso zvakafanana zvinomuka zvigone zvakakodzera. Izvi zvinonetsa zvinogona kurongerwa, kuderedzwa, uye kugoverwa mumatare ekudzoka. Nokuti iwe-iwo-iwe pachako vatengesi, ihwo huwandu hwakasiyana kwazvo.
Vanogona kunge vasingazivi kuti vari pangozi vachikonzera chimwe chinhu chinozivikanwa seBITIT, kana mutero wemari webhizimisi usina kubatana; kuti 401 (k) kana Rollover IRA yavo inofanira kunge yakanyora firiro yayo yemutero uye inobhadhara mitero ingadai yakambove yakabhadhara mitero kana kuti isina mutero. Kwete izvozvo bedzi, asi mutongi wepasi rose anonyanya kuchengetedza zvivimbiso achabhadhara, munenge mamiriro ose emhosva, pfuma yakawanda yekuchengetedza mari . Zvakare, zvinogona kuve zvakakosha kana mutevedzeri wako wakakosha zvakakwana asi haisi nzvimbo iyo vakachenjera vanogumburwa mune zvakawanda sezvavanenge vachienzanisira mberi, danho rimwe nerimwe rakanyatsosarudzwa kuti riwedzere mukana wavo-mubayiro wokutengeserana.