Dzidza zvinyorwa zvekuti 401 (k) chikwereti chinoshanda
Urongwa hwako hahufaniri kutendera chikwereti
Vamwe 401 (k) zvirongwa zvinobvumira kubviswa mufananidzo wekwereti 401 (k); vamwe havaiti. Unofanirwa kutarisa ne 401 yako (k) chirongwa chekuendesa kana kambani yekutsvaga (iwe unogona kuwana ruzivo rwekutsvaga kumashoko ako) kuti uone kana chirongwa chako chinokubvumira kubhadhara kusabhadhara kero yako.
Dzimwe makambani achabvumira zvikwereti zvakawanda; vamwe vanobvumira hapana. Apo waunoshandira akamisa 401 (k) chirongwa ivo vakasarudza kana chirongwa chacho chichizobvumira chikwereti kana kwete.
Iwe haugoni kukwereta kubva kune imwe yekare 401 (k) hurongwa
Kana iwe usisiri kushanda kwekambani uko 401 (k) chirongwa chako chinogara, haungatore 401 (k) chikwereti. Iwe unogona kutora chikwereti kune waimbova mushandirwi kune imwe itsva 401 (k) hurongwa, uye kana urongwa hwako huripo huripo hunobvumira chikwereti iwe unogona kukwereta kubva ikoko. Kana iwe wakatamisa 401 yako yekare (k) kune IRA , haugoni kukwereta kubva kuIRAs. Zvakanakisisa kuziva mirairo yose usati wabuda kana kutamisa 401 (k) chirongwa .
Mitero, kwete ikozvino, asi zvichida gare gare
Panguva yaunotora chikwereti 401 (k) chikwereti iwe haubhadhara mutero pamari yakagamuchirwa. Zvisinei, kana iwe usingatsivi chikwereti nenguva, mitero uye zvikwereti zvingave zvakakodzera. Kana iwe ukasiya basa iwe paunenge uine chikwereti chakanyanya 401 (k) chikwereti, yako yakasara yemari chikwereti inofungidzirwa kugoverwa panguva iyoyo, kunze kwokunge iwe uchiripa chikwereti zvachose mukati mememazuva makumi matanhatu.
Kana chikwereti chacho chisina kubhadharwa maererano nemashoko chaiwo ekubhadhara kupfuura imwe yakasara yakakwereta mari yakatarwa inogona kuonekwa sekuparadzirwa. Kana zvakadaro, inova mari inotengesa iwe, uye kana iwe usati wava 59 ½, 10% yekutanga kutora mutero wekutengesa ichashanda zvakare. Inenge 10 kubva muzana yezvikwereti zvinotadza kuitika nekuda kwekushanda kwebasa, uye kwete zvakakwana zvigadziro kugutsa chikwereti.
Maitiro evarume vanoshandisa sei chikwereti 401 (k) mari
Kutsvakurudza kwakaitwa nePension Research Council pane 401 (k) zvikwereti uye zvisina kukwana zvinoratidza 40 muzana yezvikwereti zvinoshandiswa kubhadhara zvikwereti, 30 muzana yekugadzira misha kana kugadziriswa, uye makumi matatu kubva muzana vanoshandisa mari zvoupenzi kuti vashandise panzvimbo yekutsvaga mari. Kubhadhara chikwereti kubhadhara chikwereti kune ngozi, sezvo yako 401 (k) mari inodzivirirwa kubva kune chikwereti.
Iko kune chikwereti chikuru chemari chikwereti chakaiswa nemutemo
Kana yako 401 (k) chirongwa chinobvumira chikwereti, mutemo unotaura kuti chikamu chikuru chaunogona kukwereta chichava $ 50,000 kana 50 muzana yemari yako yakachengetedzwa , chero zvishoma. Nhoroondo yako yakachengetwa yakaenzana ndiyo mari yako ndeyako; somuenzaniso, iwe unogona kugara neunoshandira wako kwechinguva chakatarwa nguva isati yasvika iyo mupiro wevashandi ndewewe. Uyo anoshandira angada kuwedzera chikwereti chiduku che $ 1 000.
Mari Inobhadharwa kuburikidza nekubhadhara mubhadharo
401 (k) Kubhadhara zvikwereti kunogadzirirwa kuburikidza nemabhadharo akangoerekana awanikwa kubva pamari yako. Nguva yakareba kwazvo yekubhadhara yakabvumira makore mashanu. Mipurogiramu yakawanda yekubhadhara yakagadzirirwa semwedzi unobhadhara. Vamwe 401 (k) zvirongwa hazvibvumi kuti iwe upe rubatsiro muchirongwa apo iwe uri kuita zvekubhadhara chikwereti. Chinhu chimwe chekucherechedza: kana ukarashikirwa nebasa rako paunenge uine chikwereti chakakosha 401 (k) chikwereti.
Iwe unogona kudii kudzorera mari yacho nokukurumidza, kana kuti pangozi kuti igoverwe sekuparadzirwa kwekutanga.
Iwe uchabhadhara iwe chido
Nhamba yekutambira kune yako 401 (k) chikwereti inotsanangurwa nemitemo mu 401 (k) chirongwa chako. Nharaunda inofarira inowanzogadzirirwa semurairo, wakadai se "Prime + 1%". Iwe unobhadhara chikwereti chakadzokera kumashure yako 401 (k) chikero chebhuku. Pasinei neizvi, nguva yakawanda inotora 401 (k) chikwereti chinokanganisa ramangwana rako rekurega basa.