Ivo vakaita seMupata pakati pePension uye 401 (k)
Kambani yako yakashandurwa kune chirongwa chemari yemari kana iwe wakangosvika pane imwe nzvimbo uye iwe uchawira pasi pechirongwa chemari chechiyero sechikamu chekubatsira kwako. Chii icho uye iwe unofanira kunge uchipemberera kana kwete?
Kusarudzira Cash Balance Plan
Iyo inozivikanwawo separi yemari yepenhenji yemari, inotarisa yakawanda seyendabudi yepenjeni apo chirongwa chevashandi vekutsvaga mari vanoita basa rose kwamuri. Iwe hausimiri chero mari yako pachako muurongwa uye iwe hauna purogiramu mukusarudza kwekutsvaga.
Pensions inowanzotanga kubhadhara makore anenge 65 asi inogona kunge inosvika 55 zvichienderana nekambani.
Muchirongwa chemari yemari inobatsira iwe unogamuchira kubva kumapenjeni inobva pamakore ako ose emabasa uye mubhadharo wako mumakore mashomanana adarika anotungamirira kumusha. Muurongwa hwekutsvaga mari yako account inogamuchira chikwereti chegore negore zvichienderana nemari yako yegore negore. Tarisira chiyero chemazana mashanu pamwe nechenda yekuratidza chikwata chinoenderana nekukwereta kwekaunti yako. Uyewo kufanana nepenjeni, kambani yako ichakupa zvinyorwa zvinoratidza zvaunofungidzirwa mwedzi wega wega zvichienderana nehuwandu hwemari yako ikozvino.
Chimwe chikamu chakakosha ndicho chiitiko chekugadzirisa. Nekodzero yepenjeni, haufaniri kutora mari yacho iwe kana ukasiya basa rako. Iwe unongogamuchira mubhadharo apo iwe unosvika makore ekurega basa. Purogiramu yemari yemari inokubvumira kutora mari newe kana ukashandura makambani. Iwe unogona kuisa mari yacho muIRA kuti usabhadhara mitero yemitero asi zvishoma ndeyo yako kuti iwe uise mari yaunoda.
Kana iwe uri mubhadhadzi wemari, iwe zvichida uchifunga kuti zvirongwa zvemari zvakanzwika zvinonzwika sekusanganiswa pakati pemazuva emutambo uye 401 (k). Iwe wakarurama-ndizvo. Iko kusvibiswa, mupiro wepashandi wegore negore ndeye zvikamu zvinokosha zve 401 (k).
Sei Tichifanira Kusarudza Mari Yemaonero?
Sei kambani ikasarudza hurongwa hwekugadzirisa mari pane imwe tsika yepensheni?
Iwe unogona kunge uchiziva mhinduro-nokuti inochengetedza mari. Chimwe chezvinhu zvikuru zvakachengetwa mari yebhadhadzi inouya kubva kune iyo 5 muzana mupiro. Kugovera kune nhoroondo gore roga roga panzvimbo yebhadharo yakasarudzwa inobva mumakore maviri ekupedzisira ebasa ingangodaro yakakura mari yekuchengetera kumushandi asi zvakadini iwe?
Kana iwe uri kwenguva yakareba mushandi wekambani, zvinosuruvarisa iwe ungangodaro uchiona mubhadharo wakaderera-15 muzana kana kupfuura yakawanda asi iyo inobva pane iyo kambani inogadzira iyo account. Kana iwe uchiri muduku uye uchangopinda mubasa rekushanda, chirongwa chemari chemazana panzvimbo ye 401 (k) inogona kunge iri chirongwa chekubvisa mari yakanakisisa sezvo mupiro wegore negore unowanzokwirira kupfuura 401 (k), haufaniri kutarisira mari, uye kana ukashandura makambani, unogona kuendesa mari yacho muIRA yega.
Payout Options
Mipurogiramu yakawanda yemari yemari inouya nemhando mbiri dzebhadharo. Iwe unogona kusarudza kugamuchira payiridziro yekubhadhara mwedzi mumwe nomumwe nenzira yehupenyu annuity kana kugamuchira lump sum. Mitemo yeRS inoda kuti annuities yakabatanidzwa nemubhadharo inoronga kugadzirisa zvimwe zvido zvinowanzoita kuti zvive nani kudarika annuity yaungatenga iwe pachako.
Somuenzaniso, kunze kwepenjeni kana chirongwa chemari, mabhizimisi anogona kukwereta mukadzi ari pasi pevanhu nokuti vanotarisira mukadzi kuti ararame nguva refu.
Nokuda kwemitemo yekurwisana nekusarura iyo inotungamira hurongwa hwekambani yekubhadhara mari, varume nevakadzi vanofanira kubhadharwa zvakafanana. Kunze kwemitemo yekusarura, mari yepenhenji ichaita zviri nani pamwe chete nekusimbisa mari yakasimba.
Kana ukasarudza kutora chikwereti chemari uye uchichiisa muIRA, unoisa pangozi yekurasikirwa chikamu chebhadha yako yekero nekuda kwemamiriro emari.
Haisi Kurega Kwako Kurega Nest Egg
Usatora pfungwa yenhema yekuchengeteka kubva kurongwa hwako hwemari. Nyanzvi dzinoti iwe ungangodaro unoda mari yakawedzerwa muIra kana 401 (k) kuti usiye zvakanaka . Nokuda kwechikonzero ichocho, zvingava zvakanakisisa kutora chikwereti ichocho uye kudzorerazve kana iwe ukazosvika kumakore ekurasikirwa asi izvo zvisarudzo zvinoitwa zvakanakisisa kuburikidza neurongwa hwemari.
Iwe Unowana Zvaunowana
Pane mukana wekuti uve nechisarudzo pakati pe 401 (k) uye chirongwa chemari yemari?
Izvo hazvishamisike asi mamwe makambani anopa 401 (k) pamwe chete nemari yekuenzanisa mari uye vashomanana kunyange kufanana nezana yezana rako 401 (k) zvipo pamusoro pepurogiramu yako yemari. Kana kambani yako ichipa purogiramu yakanaka iyo yakanaka, uronga kugara kwenguva yakareba.