Mamwe Tsanangudzo ye 401 (k) Mashoko Anogona Kukugumbura
Zvinosuruvarisa, 401 (k) mazwi ane zvese zvinoreva.
Nguva dzose zvakanakisisa kubvunza mibvunzo kuti uone kuti unonzwisisa mazwi asati aenda. Heano mamwe mazwi anowanzoshandiswa uye kushandurwa kwawo kwakarurama.
401 (k) Kuparadzirwa
Izwi rokuti "kugoverwa" rinonyanya kuvhiringidza nokuti rinogona kuenderana nezviitiko zvakasiyana. Funga nezvazvo sechinhu chakafanana neamburera nenzira dzakasiyana-siyana dzokutora mari kubva kune yako 401 (k).
Semuenzaniso, mari inogona kugoverwa kubva pane zvauri kuronga uye yakatungamirirwa kusvika kune imwe itsva 401 (k) hurongwa kana kuti IRA yaunayo. Izvi zvinonzi "rollover," uye rollover inoparadzirwa. Asi haibvumiri chero zvikwereti nokuti mari haisi kuuya kwauri. Icho chiri kutamira pane imwe sarudzo.
Kusiyanisa kwekupararira kunoratidzwa se "kurega." Muchiitiko ichi, mari yacho inotumirwa kwauri uye iwe unoshandisa mari yacho cheko uye unoshandisa mari yacho.
Uye zvakadini nekutora kubva kune yako 401 (k )? Izvi hazvifungidzi kuti kugoverwa-inongova chikwereti kubva pane chirongwa kwauri, asi kana ukasiya basa rako usati waita chikwereti, iyo yakasara yemari yemari inonzi inofanirwa kugoverwa uye iwe unokwereta mitero pamwe nezvimwe chirango.
401 (k) Kubhadhara
Nguva zhinji-asi kwete nguva dzose-izwi rokuti "kurega" rinoshandiswa paunotora mari kunze kwe 401 (k) kuronga uye kuripedza pane kuisa mari yacho mune imwe nhoroondo yeruzhinji inoderedzwa. Iwe unogona kutarisira kubhadhara mutero pakuparidzirwa iwe paunotora kubvisa uye zvichida kubvisa chirango chekare kare, zvichienderana nezera rako panguva iyoyo.
Iwe kazhinji haugoni kutora kubva kune 401 (k) paunenge uchiri kushanda kune kambani inotsigira hurongwa hwako, zvisinei kwete kunze kwekuti kambani inobvumira dambudziko rinodzinga .
Asi kana uine 401 (k) hurongwa uye iwe hausisiri kushanda kwekambani, unogona kutora mari yacho kana kuisa mari muakaunti uye kugamuchira cheki kana kuendesa mari kune imwe itsva 401 (k) hurongwa kana IRA.
401 (k) Kudzorera
Izvi zvinowanzoreva kutumira mari pakati pekutsvaga kwekutsvaga mukati meurongwa hwako. Iwe unogona kutumira mari pakati pezvakasiyana-siyana zvekutsvaga kwekutsvaga mu 401 (k) chirongwa kunze kwekuita chero mutero wemutero, kunyange zvazvo mamwe emari mukati memurongwa angakwereta mari kana iwe uchinge waita mari. Semuenzaniso, mari inogona kuda kuti iwe ive yako kwemazuva makumi matatu uye iwe uchabhadharwa mari kana iwe uchitengesa zvikamu zvisati zvaitika.
Izwi rokuti "kutama" rinogonawo kushandiswa pakuendesa mari kubva kune imwe 401 (k) kune imwe. Iwe unokwanisa kuendesa mari kubva kune imwe yekare 401 (k) kuronga kune imwe itsva kana chirongwa chitsva chichibvumira izvi, asi izwi rinoshandiswa rinowanzo "rollover" nokuti uri kubvisa mari kubva pane imwe chirongwa chekambani kune rumwe rudzi rwe retirement plan.
401 (k) Rollover
Vanhu vakawanda vane 401 (k) zvirongwa havazivi kuti vanogona kutamisa mari yavo kune IRA kana 401 (k) nekambani itsva pavanoshandisa vashandi, uye kuti kufamba kwakadai hakuiti kutora mitero uye zvikwereti.
Iyi sarudzo inoshandawo kana iwe ukashanda kune kambani inodarika bhizinesi. Izvi hazvirevi kuti mari yakabhadharwa inofanira kugoverwa kune zvakananga kwauri kana ichivhara mikova yayo.
Kufambisa mari kubva kune rimwe zano kuenda kune imwe kana kubva pane chirongwa kuenda kune IRA " rollover ." Iwe unogona kudzivisa kubhadhara mitero uye zvikwereti paunenge uchipinza mari kune IRA kana chirongwa chekambani mutsva, uye mari inogona kuramba ichikura nokuda kwekurega basa rako remangwana. Kana iwe unogona kuitora sezvinodiwa uye chete kubhadhara mitero pamari inobviswa paunenge uchitora.
Dzidza Mitemo
Dzidza mitemo yose usati watora matanho kana uchifunga nezvekutora mari kubva kune yako 401 (k) hurongwa. Imwe murairo unokosha uye iyo iyo vanhu vakawanda vasingazivi ndeyekuti urongwa hwako hwakachengeteka kubva kune vane chikwereti. Chero bedzi iyo mari yako iri muurongwa, vatengi nevatongi havagoni kusvika pairi.
Saka iva nechokwadi chekutarisa zvose zvaunogona kuita usati watenga 401 (k) yako . Iwe unoda kuita zvose zvaunogona kuti uchengetedze mari iyi yakachengetedzwa uye inowanikwa pamakore ako ekurega basa.