Chii Chinonzi Safe Harbor 401 (k)?

Vadzidzisi vemabhizimisi maduku vanoda kuponesa tani vane Safe Harbor 401 (k) sarudzo

Gungwa rakachengeteka 401 (k) rudzi rwe 401 (k) hurongwa hwekurega basa hunobvumira vambani vemazinesi kuti vashandise imwe miedzo yeInternal Revenue Service.

Dambudziko rakachengetedzwa kumahombekombe 401 (k) s rakagadzirirwa kugadzirisa

Usati waedza kunzwisisa kuti igungwa rakachengeteka 401 (k) nderei, iwe unofanirwa kuziva kuti nei mumwe munhu angada imwe. Zvizhinji zvema 401 (k) zvirongwa zvinotarisana nekuedzwa kwegore negore kusasarura. IRS inotarisa kuti ione kana muridzi wemhizha kana bhizimisi akabhadharwa zvakanyanya ari kunze kwe 401 (k) zvipo zvegore, asi vamwe vashandi vakachengetwa mukuchengetedza kwavo.

IRS inoda kuona kuti vashandi vose vari kutora mukana weurongwa hwekurega basa, kwete avo chete vane mari yakakwirira yokubhadhara. Saka inoedza chirongwa chekuona kana zviyero zvezvipo zvevashandi vanobhadhara zvakanyanya (avo vakagamuchira mari inenge madhora 120 000 muna 2016 kana kuti vane inopfuura inopfuura 5 muzana pabasa mubhizinesi) musapfuurire zviyero zvevamwe vose nevanopfuura 2 percent.

Kana iwe uri muridzi webhizimisi uye yako 401 (k) ine uwandu hwekugadzirisa huwandu hwekugadzirisa kana hutengo hwekuchengetedza pakati pevashandi-uye-mafashandi, inogona kusimudzira mureza we IRS. Maererano neChirongwa cheSponsor Council of America (bhizinesi rekuchengetedza basa rekushandira mari), mabhizinesi akawanda anopfuura muedzo, asi vanenge 40 muzana vanotaura kuti vakadzorera kudzorera kana kuvhara zvipo zvekuita.

Ndizvozvo, kudzorera zvipo! I IRS inogona kuramba zvachose urongwa hwekubvisa basa raunofunga kuti huwandu.

Ipapo iwe kana mushandi wako achabhadhara mutero uye hurumende yemutero wemari pamari. Ikoko kunogonawo kuva ne10 muzana yemhosva yemhosva. Kana chirongwa chisingagoni kugadziriswa kuburikidza nemipiro yakadzorerwa, pane ngozi yokuti yako 401 (k) kuchengetwa ichadzorerwa. (Kune nyaya inofadza ne 401k Help Center, inotsanangura manzwiro omumwe wekusatenda mushure megadziriro yeanoshandira yake yakakundikana kuongorora kusarudzwa kwevanhu.) Icho chichava chirongwa chako chekurega basa chakaipa kwazvo, uye chinogona kuodza mwoyo kana stymie kuchengetwa kwevanamabhizimisi vaduku uye vashandi vavo.

Chii Chinonzi Safe Harbor 401 (k)?

Gungwa rakachengeteka 401 (k) inzira yekugadzirisa chirongwa chinongopedza chirongwa chisina kusarura kana kuti chinodzivisa zvachose. Zviri nyore kuita, asi mubhadhari anofanira kupa zvipo kune chirongwa cheumwe wevashandi - iyo yega yega yebhadharo yevanhu vose. Semuenzaniso, pamigiro yese yakaitwa nevashandi, kambani inowedzera mamwe mazana mashanu emisha yavo. Mari yaunofanidza ichabva pane zvaunozvipa semuzvinabhizimisi.

Arefu v esting purogiramu haibvumirwi nezvirongwa zvakachengeteka kumahombekombe, zvipo zvakapiwa zvakakwana kana zvigadzirwa. Izvi zvinoreva kuti iwe unofanirwa kupa vashandi vose mugove wavo - kunyange avo vanobva kana vanodzingwa mukati megore. Iwe unogona kugadzira hurongwa hwako hwekugadzirisa kuenzanisa zvipo kune avo chete vashandi vanoderedza zvikwereti kana kupa zvipo zvevanhu vose, kusanganisira avo vashandi vasingabatsiri kuita zvirongwa zvavo.

Maererano neH SafeHorbor401k.org, zvirongwa zvinogona kupa zvipo mune imwe nzira nhatu:

1. Chinokosha: Mushandi anowanidza 100 muzana yekutanga 3 muzana yemari yekubhadhara, pamwe ne50 muzana yepiri inotevera 2 muzana yekubhadhara.
2. Kuwedzerwa: Muchengeti anofanidza 100 muzana pakutanga 4 muzana yekubhadhara.
3. Kwete-Kusarura: Mushandi anopa 3 muzana yemari yekubhadhara kune vose vanoshanda.

Inogona kunge iri mutengo muduku wokubhadhara inshuwarisi kuti chirongwa chako pachacho chichapfuura. Kana hurongwa hwako huri kutosanganisira 401 (k) zvipo, unogona kunge wakachengeteka. Nzvimbo yakachengeteka yegungwa inogona kuiswa kune chero rudzi rwupi rwenzira yekurega basa kana 401 (k). Asi zvinoda ruzivo rwezvinyorwa zvakanyorerwa uye dzidzo yevatori vezvirongwa. Uye ivo vanofanira kugamuchira magwaro aya mumazuva makumi matatu kusvika ku90 kutanga basa. Kana uchinge wawana urongwa hwakagadzirirwa, hunofanira kunge huri nyore kuti uite.

Kugadzirisa Nzvimbo Yakachengeteka Harwendo 401 (k)

Kuwana chirongwa chakagadzirwa ndicho chikamu chakaoma. Haisi yekuti-it-iwe purojekiti. Kunyange kana muteresi wenyu wezvemitero, mutori wezvemari kana kuti mumiririri aida kuisa chirongwa chako, zvinonzwisisika kuti zvishoma kutaura neanoronga hurongwa wehurumende uye usarudze kana kune unyanzvi hunoita kunzwisisa.

Kune dzimwe nzira dzokuenda kune rimwe gungwa rakachengeteka 401 (k). Bhizinesi rinogona kuronga hurongwa hwekuva nemakore-ekuti kuitira kuti vashandi vekutsvaga vawedzere kubasa rekugamuchira mari vanogona kuwana zvizhinji muzvipo zvevashandi. Panewo chimwe chinhu chinonzi chirongwa chekufananidza chitsva, chinoputsa vashandi zvichienderana nemakirasi kana vatatu, nevakura kana vashandi vakuru vanopiwa hurukuro yakawanda. Tsvaga mumwe munhu anonzwisisa zvakasiyana-siyana zvingasarudzwa, anogona kuzvitsanangurira uye owana nzira yekuwedzera miganhu yezvipo iwe nevamwe vashandi vanokosha.

Yakachengeteka Harwendo 401 (k) zvirongwa zvinowanzove zvakakodzera kumakambani anofanirwa kutora mitsva yemari. Kana bhizinesi rako ringave rakaoma kuwana mari yakaenzana pane imwe nguva saka mamwe 401 (k) zvirongwa zvingave zviri nani kune imwe nzvimbo ye Safe Safe 401 (k).

Kuti uwane 401 (k) kana chirongwa chekurega basa chakanaka chebhizimisi rako duku, 401k Help Center inopa urongwa hwevatori venhepfenyuro yehupfumi. Iwe unogonawo kubvunza vamwe vebhizimisi vebhizimisi kana vashandi vemari munharaunda yako nekuda kwekuda. Ronga mapurogiramu hazvirevi hako nani kupfuura nyanzvi dzinoziva dzinogara munharaunda yako. Paunenge uchitsvaka hombe yakachengeteka, inobhadhara kutengesa.