Kunyange zvakadaro, ungangodaro unofunga kuti, 'Chii chinonzi 401 (k)?' Uye, sezvakakosha, "401 (k) inoshanda sei?" Usambofa kutya.Zviitiko izvi zvinotsanangura zvinyorwa kwauri nekukubatsira kuita pfungwa yezvisarudzo zvaunayo pazvinosvika pakubhadhara mari yako makore endarama.
Chii chinonzi 401 (k)?
Izwi 401 (k) rinoreva chikamu chemutero wemitero unobvumira vanhu kuti vagadzire mhando dzakasiyana dzemitero-dzakanaka dzekubvisa mari. Kune marudzi maviri e 401 (k) nhoroondo.
- Chii chinonzi Traditional 401 (k)?
A tsika 401 (k) inobvumira mushandi kuchengetedza mari kumubhedha wake uye kugamuchira kubhadhara mutero. Uyo anoshandira rubatsiro urongwa anogona kupa mvumo yekufananidza chero mari iyo mushandi anoisa muakaunti yake, uyewo kugamuchira kubhadhara mutero. Mari iri mu 401 (k) nhoroondo, iyo yevashandi, inogona kukura mitero-yakadzoserwa kusvikira kusara. Izvozvo zvinoreva kuti haufaniri kubhadhara mitero pazvikamu , chikwereti, nemari yaunotora kubva kumari yakaitwa mukati mekambani. Mushure mokunge 401 (k) muridzi anosvika makore 59 1/2, iye anogona kutanga kutora nguva dzose kubva kubhuku, panguva iyo mitero inobhadharwa inofanira kubhadharwa nemari sekunge yakave yakabhadharwa kubva pamari yekubhadhara.
- Chii chinonzi Roth 401 (k)?
A Roth 401 (k) inoshanda zvakafanana nenzira dzakasiyana-siyana dzinoshamisa, iyo huru iyo isina hutori inobviswa inopiwa kumushandi panguva iyo iyo inopa mari kubhuku. Pane kudaro, mari yacho inokura musero-uye mushure mekurega basa, hapana peni imwe yemitero inofanira kukweretwa kana kubviswa kwacho kuchiitwa.
Nei iine 401 (k) MaPhateji Ekubhadhara Achifunga Kuti Anonakidza?
Kana iwe wakanaka nemari uye uine mutoro, 401 (k) yekusimwa mari inogona kuva yakakosha zvikuru kupfuura chirongwa chepensheni yenguva dzose nokuti unogona kuwana zvinhu zvakangwara zvekuita nemari yako. Kune avo vanonetseka nekuomerera nepurogiramu, vanoedzwa kuti vatengese kutengesa nekufambisa kukanganisa mari , kana kuti vasinganzwisisi kuti mari yekutengeserana kana yemusika inoshanda sei, 401 (k) hurongwa hunogona kuva dambudziko risingaiti.
Chikumbiro chaicho chema 401 (k) chinouya pasi kumubhadharo wemitero. Nekodzero 401 (k), mutungamiri wepakati akabudirira akachengetedza $ 5,000 mukambani ine zvikomborero zvakanaka haingangotarisi kutora mutero weinenge $ 1 000, asiwo kugamuchira mari yakaenzana ye $ 5,000, kuchinja mari yekutanga $ 5,000 mu $ 11,000 pakarepo kubhadhara kusina kuroorwa kwakaitwa. Zvadaro, pamusoro peizvi, zvikwereti, mari inowanikwa, uye zvikwereti zvinokonzerwa nemitero-inoderedzwa kusvikira kusara, iyo inowanzova makumi emakore munguva yemberi. Iko kushamwaridzana kwakanyanya kunogona kuiswa muurongwa hwakaoma hwekuvaka upfumi kune avo vanorayirwa zvakakwana kuti vasambotambudza dendere ravo mazai.
Chii Chinonzi Downsides ye 401 (k) Retirement Account System?
Kunyorera kwe 401 (k) system ndeyokuti inobvumira vanhu kuti vawane mari yavo munjodzi.
Izvozvo zvingaita sechinhu chakanaka, asi chimwe chezvikonzero zvikonzero zvepensheni zvakashanda zviri nani kune vanhu vakawanda sezvavasingagoni kubata mari yainge yaiswa pamusana pokuti vabatsirwe. Havana kugona kuita mari yeupenzi nekurasikirwa nayo. Havana kukwanisa kuenda kuLas Vegas uye vakanomedura kure patafura yekuputika. Chero bedzi pavakasiya basa mushure mebasa rebasa, cheki dzakaratidzwa mune tsamba.
Hatikwanisi kukuudzai kangani vanhu vakanditora vachiti vaifanira kuvhara 401 (k) nhoroondo, vachibhadhara mitero yekusungirwa nguva dzose pamwe chete ne 10% yekutanga kutora chirango , nokuti vaizoshandura imba yavo kana kuti motokari yavo ichadzorerwa . Munguva yakapfuura, nehurongwa hwepenjeni, vangadai vakamanikidzwa kuuya neimwe sarudzo; kwete kuisa upenyu hwavo pangozi.
Muchidimbu, 401 (k) chirongwa ichi chinoparadza kupesana pakati pevapfumi nevarombo.
Avo vanogona kutarisira matambudziko avo vane mikana yakawanda yekuita zvinhu zvakangwara uye kuita mari. Avo vane urombo husingaperi hwekuita sarudzo kana vasingakwanisi kuita nharo pavanotarisana nekusagadzikana uye kusagadzikana kwemusika wekutengesa vanozviwana ivo vasingakwanisi kupisa dzimba dzavo mumakore apo ivo vanofanira kunge vachifamba pasi pose.
Chimwe chikamu chema 401 (k) ndechokuti 401 (k) miganhu yezvipo inogadzirisa mari yose yaunogona kugara pagore. Kana iwe uri muhomwe yakakura uye wakaroora, unogona kazhinji kupota izvi nekuchengetedza kaviri 401 (k) nhoroondo yevakaroorana, uyewo maitiro maviri eIras Traditional . Zvadaro, unogona kupinda mune dzimwe zvirongwa zvakaoma zvakadai sehutano-indexed variable annuity insurance contracts. Yakanyatsogadziriswa, iwe unogona kuchengetedza mazana ezviuru zvemadhora gore roga roga mumabhadharo akachengeterwa marenda epamberi.