Purogiramu yepensheni inoronga chirongwa chekurega basa chakafanana ne 401 (k) chirongwa kana 403 (b) chirongwa. Purogiramu inogona kuita kuti iwe uite mishonga yemwedzi wega yega yega, asi chikamu chikuru chemipiro chichauya kuburikidza nemushandi wako. Purogiramu yepensheni haina kukupa zvisarudzo zvakafanana zvekutsvaga se 401 (k), asi inokuvimbisa iwe mari yakadaro mwedzi mumwe nomumwe kana waenda kumakore ekurega basa.
Nzira yemari iyi inozosiyana nekambani. Inofunga nezvehurefu hwenguva yawakashandira kambani, mubhadharo wako, nezvimwe zvinhu.
Iro chirongwa chepensheni kana 401 (k) Zvakanakisisa here?
Purogiramu dzaive dzakakurumbira zvakare pasi peHondo Yenyika II uye kusvika kuma1980, nokuti panguva iyoyo vashandi vakawanda vakagara nekambani kubva panguva yavakatanga kushanda ikoko kusvikira vasara. Nekufambisa kwevanhu vakawanda mune misika yemabasa iye zvino, vanhu vazhinji vanofarira 401 (k) urongwa hwaunogona kuronga muIRA paunoshandura mabasa. Iko 401 (k) inokupawo zvishoma kudzora pamusoro pezvikwereti kupfuura hurongwa hwepenjeni. Iwe unogonawo kuwedzera zvipo zvako ne 401 (k) hurongwa, uye iwe haubvumirwi kuita izvozvo nezvirongwa zvakawanda zvepereji.
Ndinofanira Kusarudza 401 (k) kana Purogiramu yePensheni?
Makambani akatanga kutora zvirongwa zvepenheni muma1980 uye akatanga kupa 401 (k) zvirongwa panzvimbo.
Iwe unogona kuva nesarudzo yeurongwa hwepensheni kana iwe ukashanda kune sangano rehurumende kana kune kambani ine huru huru. Iyi ndiyo makambani maungapedza basa rako rose rinoshanda. Kana iwe uchiziva kuti iwe uchange uine kambani yehuwandu hwemabasa ako, zvinonzwisisika kuzviisa muurongwa hwepensheni.
Zvisinei, kana iwe uchizove uchifamba pakati pemakambani, iwe haungabatsiri zvakanyanya kubva purogiramu yepenjeni. Dzimwe makambani achapa zvose zvingasarudzwa. Sarudzo yako inofanirwa kuve yakatarisana nekureba kwenguva yaunoronga kumira nekambani. Kana iwe uri kushanda semudzidzisi, uye hurumende inotanga hurongwa hwekurega basa, iwe unogona kukodzera chirongwa chepenjheni uye zvingava zvine musoro kusarudza chisarudzo ichocho sezvo iwe ungangoramba uchishanda mune imwechete. Zvisinei, kana urongwa hwako huchibva mumakore mashanu kana gumi, zvinonzwisisika kuenda nemakumi mana (k).
Ndinofanira Kuronga Sei Kurasikirwa neMutambo WePensheni?
Kune mhando dzakasiyana dzezvirongwa zvepenjeni, uye mitemo yako yekupa mupiro inogona kunge yakasiyana zvichienderana nemitemo yakapoteredza chirongwa. Iyo kambani inogona kukumbira kuti iwe ugovera mheteti yemwedzi wega wega kurongwa hwako. Izvi zvinogona kuenda kune gumi nemashanu kubva muzana mupiro wechinangwa chekuregera mari . Iwe unofanirwa kunzwisisa kuti zvinotora nguva yakadii kuti iwe ugoverwa muurongwa. Izvi zvinoreva kuti iwe uchagamuchira zvizere zvekurega mari yako yawakagamuchira iye zvino, kunyange kana iwe uchisiya kambani kushanda kune mumwe munhu.
Apo basa rako rinopa hurongwa hwepensheni, iwe ucharonga kubvisa kwako basa zvakasiyana zvakasiyana. Mukuwedzera kune penheji yako, iwe uchada kuisa mari yako kubhadhara pamwe nemamwe mareji ekurega .
Iwe unofanirwa kuzarura Roth IRA uye wopa chikamu chepamusoro chakaregererwa chegore negore. Izvi zvichaita kuti uwedzere kuchinja uye urongwa hwako hwepenjeni hunozvipa uye hukubatsira kutora kuraira kwako. IRoth IRA inokupa zvakanakisisa zvemitero yemitero kwenguva refu. Kana iwe usina mari yakakwana yekuisa mari yakagamuchirwa kamwechete panguva imwe chete, mafaira akawanda ekusimbisa mari achaisa mutero wekugadzirisa mwedzi woga woga kuti akubvumire kuzarura kambani.
Ipo Purogiramu Inoronga Nayo Zvakanaka Here?
A pension ine zvose zvakaipa uye zvakanaka. Paunoshandisa hurumende, iwe unogona kunge usina hutungamiri hwakawanda muhutano hwehupfumi hwaunopiwa. Zvakakosha kunzwisisa zvinhu zvakanyatsoenderana neurongwa hwako. Vazhinji vashandi vachapa musangano wegore negore pamusoro peurongwa kana kuenda kune zvakananga zveurongwa panguva yekutsvaga.
Kana usina chokwadi nehuwandu hwerongwa rauri kuwana, uye kana kwete kana chirongwa chacho chabhadharwa (mari iri kuiswa pamiganhu yekubhadhara iwe zvikwereti gare gare) kana usina kubhadharwa (pasina mari inogadzirirwa kune ramangwana inobatsira), taura nemunhu nyanzvi yemumiririri. Kana ukangonzwisisa zvikamu zvose zveurongwa, iwe uchakwanisa kuita zvirongwa zvekugura zvekusarura kuitira kuti iwe ugone kusunungura zvakanaka. Mamwe masangano uye makambani akatendeuka kubva muhedheni kusvika kune 401 (k) hurongwa, uye kana iwe ukapiwa penjeni izvi zvinogona kuitika kwauri zvakare. Unofanirwa kuverenga zvakajeka mazwi nemamiriro ezvinhu uye uongorore kubatsirwa kwaunozogamuchira apo kutendeuka kunoitika kuti uve nechokwadi chokuti kubvisa kwako basa kuchiri kuchengetedzwa.