401 (k) zvirongwa ndizvo zvinokosha pakugadzirisa basa rekurega basa. Heino nzira yekuita nayo pfungwa.
Nei Inyoresa mune 401 (k) Purogiramu
Yako 401 (k) hurongwa inokubatsira kuti utange kushandisa zvakakwana mutero-wakakonzerwa kukura.
Nokukurumidza kupera kwezvinonyatsotsanangurwa-kubhadhara zvirongwa zvepensheni nekusava nechokwadi kwakanyanya pamusoro peShutete Hwekuchengetedza, kuchengetedza kubhadhara iwe pachako kunowedzera kuoma.
Nzira Yokupinda Nayo mu 401 (k) Gurongwa
Kunyange zvazvo mamwe makambani anyoresa vashandi mu 401 (k) mazano avo, iwe unogona kuzadza fomu iri nyore kuti utore muurongwa hwako. Iwe uchasarudza zvakadini kuchengetedza uye kusarudza zvaunogona kushandiswa. Usanetseke! Mari yaunoponesa, nzira yaunoshandisa nayo, uye kunyange iwe uchiramba uchingobatanidzwa mu 401 (k) chirongwa ndechekusarudza iwe unogona kuchinja chero nguva.
A 401 (k) Purogiramu yeImabasa-Inoenderana
Iwe unogona kungobatanidzwa mu 401 (k) chirongwa kana wako waunoshandira achikubvumira kuti uite saizvozvo. Vashandi vako vanofanira kugovera urongwa uye iwe unofanirwa kubatanidzwa. Nokudaro, iwe haugoni kuisa 401 (k) chirongwa chako pachako. (Zvisinei, kana ukashanda, unogona kuisa imwe yega Retirement Retirement Account (IRA) pachake.
Kana iwe uri wekushanda, iwe uchange uine mamwe maitiro ekugadzirisa basa rekushandira mari pamwe chete.) Chinokosha ndechokuti urege kushayiwa mukana uyu unokosha wokuchengetedza kubhadhara. Kushaya kunze kwemitero-zvinodiwa zve 401 (k) zvirongwa uye zvipo zvakakodzana ndezvimwe zvikanganiso zvakanyanya vanhu vanoita pavanotanga basa idzva.
Iwe Unogona Kupiza Zvingani Kubva 401 (k) Kuronga?
Nhamba yaunoponesa yako 401 (k) chirongwa chinowanzotiwa mupiro wako muzana. Kana iwe uchibhadhara zvakakwana $ 3,000 uye iwe unoda kuisa $ 300 yemari imwe neimwe mu 401 (k) chirongwa chako, iwe uchada kuratidza mupiro muzana ye 10%, sezvo 10% ye $ 3,000 i $ 300.
401 (k) Rongedza Zvipo Zvipo
Kwegore ra20177, iwe unonyanya kupa chikamu kune 401 (k) iri $ 18,000. Kana iwe uri makumi mashanu kana kupfuura, iwe unogona kupa mari ye $ 24,000. Vashandi vako vanogona kuwedzera kuderedza mari yaunokodzera kupa. Cherechedza kuti miganhu yeIRA yemiganhu yakasiyana zvachose.
401 (k) Ronga Mupiro Wenguva Yokupedzisira
Kusiyana neIRA, hapana nguva dzemazuva ezvipo. Zvisinei, nokukurumidza iwe kunyoresa, nokukurumidza iwe unogona kutanga mutero-unoderedzwa kuchengetedza nokuda kwekubvisa kwako basa.
401 (k) Rongedza Kudzingwa Kwemitero
Zvose zvekare 401 (k) rubatsiro zvinowedzera kuderedza mari yako yaunotengesa. Somuenzaniso, mumwe munhu mu 25% mutero bhakiti anoita $ 100 mupiro kwaari 401 (k) hurongwa huchakurumidza kuchengetedza $ 25 mumitero. (25% x $ 100). Kunyange zvazvo 401 (k) chikwereti chinowedzera nemari yakazara ye $ 100 401 (k) mupiro, mubhadharo wake unongoderera ne $ 75! Zvinosuruvarisa, 401 (k) mupiro hauiti kuderedza chikwereti chaunofanira kubhadhara muFICA uye Medicare mitero.
Iko 401 (k) Zvirongwa Zvokupa Mutero-Dheredzwa Kukura
Sezvo mari iri mu 401 yako (k) hurongwa huri kukura mitero-inoderedzwa, haubhadhara mitero pamari inowanikwa mubhuku. Ichokwadi, hausati wambotaurira mari yacho ku IRS. Hazvisi kusvikira iwe watora mari yako kubva kune 401 (k) hurongwa, zvakanaka panguva yekurega, kuti iwe unokwereta mitero.
Kuisa Mari Yako 401 (k) Mari
Kuisa mari yako 401 (k) mari inonyanya kukosha kukura kwayo kwenguva refu. Mari yako yekuisa mari inofanira kuchinja nekufamba kwenguva. Muduku iwe uri, inonyanya kukuvadza iwe pfuma yako inofanira kuve iri, zvinoreva kuwedzerwa kuwanda kwematokisi. Sezvaunoswedera kana kupinda muzororo, yako 401 (k) kuenzanirana kunofanira kutanga kuratidza chokwadi chekuti kugovera hakusi kure, uye iwe unofanirwa kunge uine mugove muduku wemari yako yekusimwa inowanikwa mumatanda.
Kwete Nharo dzekuwana mari yekubatanidza mune 401 (k) Purogiramu
Kusiyana nemamwe akawanda ekuderedzwa kwemitero uye zvikwereti, kukodzera kupa chikamu kune 401 (k) chirongwa hachirevi nemhando ipi zvayo yepamusoro yemari.
Mushandi Wekufananidza 401 (k) Ronga Zvirongwa
Vashandi vakawanda vanopa zvipo zvinoenderana nevashandi vavo 401 (k) zvirongwa. Mune mushandi anofanana nehurongwa , kambani inowedzera mari mu 401 (k) chirongwa cheumwe neumwe unoitawo kune yavo 401 (k) chirongwa. Kana ukasarudza kusabatanidzwa mune yako 401 (k) chirongwa, iwe unowanzorasikirwa nemupiro unoenderana. Ndicho chikonzero kusabatanidzwa mune 401 (k) kuronga kusvika pakatarisana nemushandi anowirirana kunowanzonzi kushanduka pasina mari.
Kuwedzera 401 (k) zvipo panguva
Vakawanda 401 (k) zvirongwa zvinopa huwandu hwekuwedzera kwezvinhu zvinokubvumira kuti uwedzere zvipo. Nekuwedzera kwezvipo zvekugadzirisa iwe unochengetedza kudzora muwandu uye nguva yenguva yemberi inowedzera. Mamwe makambani anotosarudza kuzvinyoresa zvinyorwa zvitsva muzvirongwa zvekurega basa uye kukwanisa kubuda-mupiro wekuwedzera kwekuwedzera. Izvi "zvakarigadzika uye kukanganwa" nzira inogona kukurudzira zvakanyanya kubasa rako rose rekuchengetedza basa.
Kuparidzirwa Kunodiwa kubva 401 (k) Zvirongwa
Muzviitiko zvakawanda, unofanira kutanga kutora mari kubva kune yako 401 (k) hurongwa huchatanga negore mushure mokunge uine 70 1/2. Izvo zvishoma zvinodiwa kugoverwa kwemari zvakatarwa neInternal Revenue Service uye zvinoenderana nekutarisira kweupenyu hwako.
Yakarongwa naScott Spann