Batsiro Rokugadzira Wenyu Yekare 401 (k) muR Rollover IRA

Heino Chikonzero Nei Waifanira Kufunga IRA Rollover Paunobva Mubasa Rako

Fungidzira kuti semuiti wekubatira mari, iwe wakanga uchitora muurongwa wako hwekushandira mari yakabhadhara sa 401 (k) kubva pawakatanga basa uye wakagara uchipa michero kubva kune imwe mubhadharo. Asi zvichida rimwe zuva unowana imwe mukana kune mumwe mushandirwi iwe haugoni kuramba kana iwe wakarambidzwa.

Chii chinoitika kumari iri muwakambomira 401 (k) urongwa?

Zvakanaka, nhamo, mari yose yawakapa iwe ichiri chako. Kana iwe uchikwanisa kubhadharwa mushandi muchirongwa chako chekugara, iwe unogona kuva nekodzero yemipiro yako yevashandi zvichienderana nehurongwa hwako hwekugadzirira.

Zvinogona kuva zvinokurudzira kuziva kuti iwe uchiri kuwana ruzivo rwezvipo zvako uye avo vakagadzirirwa vashandi vanofananidza zvipo. Asi chii chaunogona kuita nemari iyo inenge ichiri purogiramu yako yekurega basa kana iwe ukasiya kambani yako yekare? Iwe unenge uine dzimwe nzira dzakasiyana-siyana dzokufunga.

Mushandi Wako Mubhadhara Rekushandisa Kwekambani

Chero pose paunopedza basa mushure mekunge uine chikwangwani chekuita basa rekuita basa, unenge uine zvingasarudzwa zvezvipi zvokuita nemari yakagadzirirwa munyaya iyoyo. Chaizvoizvo, pane zvinhu zvina zvaunofanira kufunga nezvazvo:

1. Cash Kubva Purogiramu
2. Siya mari muChirongwa
3. Dzorera muMushandi Wenyu Mutsva Wakafanirwa Plan
4. Rollover kune IRA

Kubhadhara mari yako yekare yekushandira mari inenge isingambobatsiri.

Kutaura zvazviri, kutenga mari yako kubva kune yako 401 (k) ndeimwe yepamusoro-soro yepamusoro 6 yekurasikirwa kwekurasika kwaunofanira kudzivisa. Kunyangwe uchisiya mari yako muurongwa hwako hwekare hwekushandura kana kuifambisa kune imwe itsva chirongwa chevaridzi zvose zviri zviviri zvakanaka, usakanganwe mukana wekupinza mari yako muRROllover IRA.

IRA rollover inouya nemararamiro ayo ezvakanaka uye kana ikarongwa zvakanaka, inoita kuti iwe usabhadhara migumisiro ipi zvayo yemitero.

Chii chinonzi Rollover IRA?

IRA rollover inofanana neChechi IRA (kana kuti Roth IRA pamusana pekukwira pamusoro peRoth 401 (k) mari) kunze kwekuti inobva mari yacho haisi mari yegore negore.

Pane kudaro, mari inopinda muRRAllover IRA mari inobva kune imwe chirongwa chekurega basa, chakadai se 401 (k) hurongwa. Kana iwe usati wave neIRA, unogona kuzarura imwe yechinangwa chokudarika pamusoro pe 401 (k) mari yako pasina kuwedzera chero mari yegore negore (kunyange iwe uchifanira!). Kune rumwe rutivi, kana iwe uine IRA, unobvumirwa kubvisa ro 40ver yako (k) kune iyo inowanikwa inopa IRA account.

Zvakakosha kuziva, zvisinei, kuti iwe haungabatanidzi tsika dzekodzero dzeIRA uye 401 (k) mari neRoth IRA uye Roth 401 (k) mari.

Batsiro reR Rollover IRAs

Vanhu vazhinji vanoteerera rollover yavo IRA sarudzo nokuti vanongofara vachienderera mberi kuchengeta mari yavo yekurasira mune imwe nzira yeurongwa hwevanoshandira, asi pane zvikonzero zvishoma zvinokurudzira nei iwe ungada kusarudza rollover IRA chero zvakadaro.

IRA Rollover Inobatsira 1: Yakapfuurirwa Kuteterera Kwemitero

Imwe nzira yakakura yeIRA rollover ndeyekuenderera mberi kwemitero-yakarambidzwa mushonga wawakanga uine kubasa rako rekurega basa.

Uyezve, hapana mutero unokweretwa pane rollover yakaraswa , kunyange zvazvo inopomerwa kutengesa kune IRS.

IRA Rollover Inobatsira 2: Kuwedzera Kwekutsvaga Kwekutsvaga

Mukati ye 401 (k) hurongwa, zvingasarudzwa zvekutsvaga mari zvingasarudzwa pane zvasarudzwa iwe neurongwa hwako hwekuchengetedza uye iwe waunoshandira. Kazhinji, izvi zvinosarudzwa zvakakwana, asi kazhinji hazvina zvakawanda. Asi neRROllover IRA, unogona kusarudza kuisa mari yako munharaunda ipi zvayo inotengeswa inogona kufungidzirwa.

IRA Rollover Inobatsira 3: Kudhura Maawa

Mukuwedzera kune zvishoma zvingasarudzwa zvekutsvaga, vamwe vashandi vanotsigirwa 401 (k) zvirongwa zvinowanzoitwa nehurumende yepamusoro. Izvi hazvikwanisi kuita kuti chirongwa ichi chive chakaipa, asi kana uchikwanisa kuchengeta iyo yekusimwa mari inokura mune imwe nzira yakasarudzwa-inobhadharwa nemari shoma, nei iwe usingagoni?

IRAs inowanzova nemari shoma, kana iripo, zvichienderana neunowanoshandisa iyo akaunti (yakadai senzvimbo yebhangi, neine mupi wezvemari, kana bhenji reIndaneti).

IRA Rollover Kubatsira 4: Kujekesa

Panzvimbo pokugadzirisa dzimwe nhamba dzekare dzebasa rekusiya basa paunenge uchishandura mabasa pamusoro pekuita basa rako, kushandura nguva dzose pamusoro pezvirongwa zvako kune rimwe rollover IRA inoderedza kusagadzikana. Iwe unogona kutarisa chirevo chekambani imwe uye ona kuenzanisa, kushandiswa kwemazuva ano, uye kusarudzwa kwekutsvaga kwehuwandu hwekubvisa mari yako kubva kune imwe nhoroondo.