Inenge Yese Nguva Dzose Yakanganisa Kutora 401 (k) Mari Yokurwisana Nekugara Kwako
1. 401 (k) Mari inowanzove yakaipa
Kana iwe uri munhizha uye uchida mari nokukurumidza, pfungwa ye 401 (k) chikwereti inogona kufadza. Panzvimbo yekubhadhara chikamu chechipiri chechikwereti kune kambani yekwereti yekwereti, unogona kubhadhara chikwereti iwe pachako, zvichibatsira kupa mari yakawedzerwa kune chirongwa chako chokubvisa mari.
Iko kune mashoma mashoma makuru, kunyange zvakadaro.
- Kana iwe uchirasikirwa nezvinhu zvose uye uchida kuzivisa kubhadhara, kazhinji, zvirongwa zvako zvekurega basa, zvakadai se 401 (k), 403 (b) , Traditional IRA , Roth IRA , SEP-IRA, uye Simple IRA inodzivirirwa. Funga nezveizvi sezvivako zvakachengeteka, kana kuvhara mabhokisi, avo vane chikwereti vane nguva yakaoma kubata. Kana iwe ukatanga kuparadza 401 yako (k) kuedza nekuchengetedza imba yako, iyo mari yakanaka yemutambo kune vanokwereta kana yakabviswa mubhuku iri nenzira yekuregererwa kwakakwana kana chikwereti.
- Kana ukarashikirwa nebasa rako kana kuti uchishandura vashandi, yako yose 401 (k) chikwereti chikwereti chinokonzerwa mumazuva makumi matanhatu. Kana iwe usingakwanisi kuripa, mari yacho inobatwa sekuregera. Iwe uchabhadhara mitero yese yeHurumende uye yehurumende pairi, pamwe nechegumi 10 muzana yekutengesa mutero kana iwe uri pasi pezera remakore 59.5. Iwe uchange uine mukana wekusara ne 50 ¢ kusvika 70 ¢ pane dhora, zvichireva kuti uri kuwana huru yemari yemutero panguva chaiyo yaunowana iwe usina basa!
2. Kwete Yose 401 (k) Zvirongwa Zvinokubvumira Kutora 401 (k) Kwereta
Kunyange zvazvo mutemo unobvumira makambani kupa 401 (k) zvikwereti muzvirongwa zvavo, haafaniri kuita kudaro. Ichokwadi, vamwe vashandi vanopesana zvakasimba pfungwa yose ye 401 (k) zvikwereti nokuti vatungamiri kana vadzidzisi vanofunga kuti mari yekusasiya muzvikwereti izvi inofanira kuva sechibayiro sepfuma yepenjeni; rakabatanidzwa kunze kwekusvika uye kubva kunze kwenzira yekuedzwa.
Uyezve, vamwe varonga zvirongwa zvinongobvumira 401 (k) zvikwereti nokuda kwezvinangwa zvakadai, zvakadai sokutenga imba kana kubhadhara mari yekurapa.
Panguva yekudzoka kukuru kwegore ra2008-2009, zvakanga zvisina kujairika kuti ini ndiwane tsamba kubva kune vakatsamwa, ndichikumbira kuti vangaitei pamusoro pemamiriro ezvinhu akadaro. Kazhinji nguva, vanhu ava vakanga vararama kupfuura zvavanokwanisa uye zvino vakazviwana vasina kukwanisa kubhadhara kadhi rechikwereti chikwereti kana kubhadhara mari yavo. Panzvimbo yekuve akangwara uye kuzivisa kubhadhara kana kupinda mukufananidza, vaida kuparadza 401 (k) pfuma yavo nekuita kubvisa zvakakwana, izvo zvaizoita kuti vatore mitero yezvemari pamwe chete ne10 muzana yekutengesa mutero kune avo vasati vava nemakore 59.5 , kana kutora 401 (k) chikwereti.
Vasingadi kugovera mari yavo kune IRS, vazhinji vakasarudza vekupedzisira kusvikira vaona kuti hurongwa hwavo hwekambani hauna kupa 401 (k) zvikwereti nokuda kwechiitiko chaicho - kudzivirira vanhu kubva pakugadzirisa ramangwana ravo kubhadhara nhasi. Vamwe vakandinyora ndichikumbira kana vachikwanisa kupomera vashandi vavo, vakafunga kuti chiito ichi chakanga chisina kutenderwa! Pandakatsanangura kuti iwe hauna kodzero yokukwereta pfuma yako yekurasikirwa, ndiyo chete yaunosarudza kana wako waakashandisa akaita chikamu chezvinyorwa zvepurogiramu yavo, vakava nechokwadi chokuti ndiyo imwe nzira ye "system" yekuvakuvadza, kunyange kunyange zvazvo vakanga vari ivo vavengi vavo.
3. Maximum 401 (k) Kweretesa Ndicho Chidiki che $ 50,000 kana 50 muzana yeAll Account Balance
Kunyange kana iwe une mamiriyoni pamamiriyoni emadhora mubhuku rako rekurega, iyo yakanyanya 401 (k) chikwereti chaunogona kutora ndicho chiduku che50 kubva muzana yebhasikiti yako kana $ 50,000. Icho hachina kusiyirwa. Kana mhuri yako iine mari yakakwirira, izvi hazvizoiti iwe zvakanaka.
4. Purogiramu Yenyu Mutariri Anodzora Mutengo Wechido Unotorwa paWako 401 (k) Chikwereti
Kana uchibhadhara mari yakakweretwa kubva pakuronga kwako, unofanira kubhadhara mubereko. Ichokwadi, kufarira kunobhadharwa iwe pachako, zvinoreva kuti kune zvakawanda kubva kune imwe homwe kune imwe kunze kwekuti iri mari chaiye, asi iwe unotofanira kuuya nemari. Zvinosuruvarisa, iwe hausi kutonga chikwereti chechido; chirongwa chinotsigira chinodaro.
5. Mutemo Unotanga Nguva Yokubhadhara Kwemamwe 401 (k) Mari
Paunokweretesa kubva kune yako 401 (k) nhoroondo, iwe unofanirwa kubhadhara mari yacho, uchifarira, mwedzi inopfuura 60.
Iyo nguva yegore mitatu inogona kuwedzerwa kune avo vanoshandisa mari yakakweretwa kutenga imba yokutanga, asi mumatambudziko mazhinji, 401 (k) chikwereti hachizove chakanaka sechikwereti chemari chikwereti kubva kubhengi rekuno.
Zvose muZvose, Ingoti Kwete kusvika ku 401 (k) Mari
Kunyange zvazvo 401 (k) chirongwa chinogona kuva nzira yakanakisisa yekuchengetedza kubhadhara, kuwedzera upfumi kuburikidza nemakore ekubhadhara mutero-kunobatsira, kubvisa mari kubva kubhuku kare kare kunogona kukanganisa kukuru, kunyange iwe uchida kudzorera mari.