Iwe Unogona Kubatsira Zvakawanda Sei Purogiramu Yekusarura 401k muna 2014?
Chii chaive mitsara yekuporesa 401k mupiro muna 2014?
Sei iwe uchiri kuda kuziva ruzivo urwu, rwakapiwa kuti 2014 rapfuura? Mashoko aya angakubatsira sei kuchengetedza basa rekugara muhuno uye munguva yemberi?
Sei Ndichifanira Kuona Izvi?
Ngatitange ne "nei." Kuchengetedza mabhizimisi akanaka emari, kunyanya pamitero yako yemitero, ndiyo tsika inokosha. Chengetedza ruzivo rwemiganhu yekubvisa mari yegore negore, pamwe nerekodhi yemapurogiramu emiganhu iyo yaunosangana nayo.
Nokuita kudaro, unogona kutarisa kufambira mberi kwako.
Semuenzaniso, fungidzira kuti muna 2013, zvipo zvako zvakaenzana ne70 muzana yemutengo wose uripo. Muna 2014, iwe wakapa huwandu hwemazana makumi mapfumbamwe ematatu epamusoro. Iwe unogona kuona kuti mari yako yekuchengetedza iri kuvandudza.
Kusiyana neizvi, kana iwe wakabhadhara kusvika kuzana makumi mapfumbamwe kubva muzana muna 2013 asi makumi manomwe chete muzana yepamusoro muna 2014, unogona kuona kuti kutora kwako kuwedzera kunowedzera. Kana uchinge uine ruzivo urwu, unogona kutora matanho ekugadzirisa.
Vanhu vazhinji vanocherechedza mukana wavo wekuchengetedza seyakayerwa maererano nehomwe yavo . Kana vachiwana $ 50,000 uye kuchengetedza $ 5,000, somuenzaniso, vachaziva kuti vari kuchengetedza 10 muzana yemari yavo.
Asi vanhu vazhinji havakwanisi kuyera mari yavo yekuwana mari iyo inoyera maererano nehuwandu hwehuwandu hwekugadzirisa mari. Kana mupiro wekusunungurwa uri $ 18,000 uye vakachengetedza $ 9,000, ivo vari pakati nepakati. Mashoko iwayo anovapa goa l kurova gore rinotevera.
Pane mharidzo yakakurumbira inoti "chii chinowanikwa, chinovandudzwa." Nokuenzanisa uye kutevera kuregererwa kwako kwekurega basa, maererano nemiganhu yegore rekusiya basa, iwe unogona kutanga kufambira mberi mberi munharaunda iyi.
Chii chaiva 401k Contribution Limitengo?
Iko 401k yekubvisa mupiro muganhu inotanga kuchinja kakawanda.
Gore roga roga, rinoshandiswa kuti rirambe richifambidzana nemafashamo.
Muna 2014, zvisinei, pakanga pasina kuchinja kune mamiriyoni makumi mana ezvakayerwa. Vanhu vane makore makumi mana nemakumi mana nemana pasi vanokwanisa kupa mari kusvika ku $ 17 500 mumakambani avo 401k kana 403b ekurega basa.
Vanhu vezera remakore makumi mashanu nevanopfuura vaigona kupa mari yepamusoro ye $ 5 500 pagore pamusoro pemari iyo, nokuda kwemugadziro wezvipo we $ 23,000.
Mipiro yeIRA yemiganhu yakaramba isina kuchinjwa, zvakare. Muna 2014, vanhu vakakodzera vanogona kupa $ 5 500 kune imwe tsika kana Roth IRA . Kana uine makore makumi mashanu kana kupfuura, iwe unogona kuwedzera mari inopfuura $ 1 000, nokuda kwe $ 6,500.
Pakati pemiganhu ye401k uye IRA inosanganiswa, vateresi vane makore makumi mana nemakumi mana uye pasi vanogona kuchengetedza kusvika ku $ 23,000 mugore ra2014, uye vateresi vane makore makumi mashanu kana kupfuura vanogona kuchengetedza $ 29,500 pamusana pokusiya basa. Icho hachisi chakaipa kwazvo!
Usakanganwa: Iwe unogara uine rusununguko kuchengetedza mari yakawanda - zvakanyanya sezvaunoda - kubhadhara mari , kana iwe uchichengeta mari mune imwe mari yekuchengetedza, CD, MAZANO, kana kuti iyo yekodha yekwereti yekwereti.
Iwe haugoni kuwana mubhadharo wemitero kune iyo mari, kunze kwemiganhu inotaurwa pamusoro apa. Asi ivo vachiri kuchengetedza. Iwe uchange uine huwandu huwandu hunoti iwe unogona kutora munguva yako yegoridhe.