Maitiro Akakodzera Mazano Anobatsira Vashandi Nevashandirwi
Mhando yezvirongwa zvaunokwanisa kuti iwe unganzwa pamusoro pezvinonyanya kukosha ndezvokugoverana kwepurogiramu kusanganisira 401 (k) uye 403 (b) zvirongwa.
Mamwe maitiro akajairika emapurogiramu anodiwa anosanganisira zvirongwa zvinorondedzerwa zvinobatsira uye zvirongwa zvekutenga mari yepensheni Muzvizhinji, zvipo kune mapurogiramu akawanda anokodzera hazvikweretesi kusvikira iwe watanga kutora zvigadziriswa kubva kurongwa.
Ndezvipi Zvakakodzera Kurasikirwa Mazano Kunobatsira Vashandi / Purogiramu Vabatsiri?
Zvirongwa zvakakodzera zvinopa kubhadhara mitero inobatsira pamabhizimisi ose makuru uye maduku. Imwe inobatsira nokukurumidza ndeyokuti vashandi vanowana kubhadhara mutero kwezvipo zvavanoita panzvimbo yevashandi vavo. Mabhizimusi angagamuchira zvikwereti zvemitero yakasiyana uye zvimwe zvinokurudzira kutanga chirongwa chakakodzera.
Mipiro yevashandi ndiyo mitero inobviswa. Zvimwe zvikomborero zvinosanganisira chokwadi chokuti zvinhu zviri muurongwa zvinokura musingabhadhara mutero uye zvipo zvevashandi zvikwereti-zvinotengesa. Kune vadzidzisi vemabhizimisi maduku, zvirongwa zvakakodzera zvinokubvumira kuita zvikwereti zvakanyanya mukutora kwako.
Zvikomborero zvekugadzirisa hurongwa hazvirevi kumitambo yekutengesa.
Zvigadziriswa zvekurasira zvirongwa zvinoitawo basa rinoita mukubatsira vashandi kuunganidza nekuchengetedza vashandi vanokosha.
Chirongwa chakanaka chinogona kunge chiri chinotsanangurwa-kubatsirwa kana kurondedzerwa-chirongwa chezvipo. Zvigadziriswa-zvigadziriswa zvirongwa zvinobhadhara mari yakasimbiswa iyo inowanzoenderana nemakore ekushanda uye nhoroondo yemari.
Maitiro ehupfumi ehurumende akatsiga mukuzivikanwa munguva pfupi yapfuura asi anoramba ari muenzaniso wakanaka wezvatsanangurwa-rubatsiro chirongwa. Zvigadziriswa-zvirongwa zvezvipo zvinoenderana nemipiro uye inogona kunge iri kugovana-kugovana-kana mari-yekugadzirira chirongwa.
Kubva muna 2018, iyo inonyanya kuwanikwa nevashandi vanogona kugamuchira mari yegore negore pasi pezvinorondedzerwa-kubatsirwa chirongwa chemadhora madhora 220 000 kana zana kubva muzana yemari yakawanda yevashandi yavakagamuchira pamusoro pemakore matatu anotevera. (Muganhu wepamusoro-soro wezvinorondedzerwa-zvigadziriswa zvirongwa zvinobvumira vashandi kubhadhara penhesi inogona kubhadhara zvikwereti kune zvakasara zvehupenyu hwomushandi wepamberi.)
Kubva muna 2018, chikamu chikuru chinogamuchirwa kune chirongwa chinorondedzerwa-chirongwa chepaduku chinodarika madhora 55 000 ($ 61,000 kana ane makore 50) kana 100 muzana yemaripo.
Zvose zvinowanikwa gore negore zvingabhadharwa pasi peurongwa wegore rimwe nerimwe hazvifaniri kudarika $ 275,000 muna 2018 uye zvinotarisirwa kugadziriswa kwekugara kwehupenyu mumakore apfuura.
Ndezvipi Zvakakodzera Kurasikirwa Mazano Kunobatsira Vashandi?
Kuwana chirongwa chakakosha zvinowanzopa ruzivo, ikozvino kutora mutero ... uye zvinogona kunge zvisingabhadhari mari. A 401 (k), 403 (b) kana chirongwa chakafanana chingava iyo imwe nzira inobatsira yekubhadhara kurasikirwa kwako kwekurota sezvo zvirongwa izvi zvakagadzikana zvinopa mukana wekuita mari yakawanda yekubhadhara mari.
Mitero pamipiro inodzokororwa kusvikira igoverwa.
Imwe rubatsiro kune vashandi ndeyekuti zvipo zviri nyore uye zviri nyore kugadzira kuburikidza nekukwanisa kwekubhadharwa kwemitero. Kana wako waanoshandira achienzanisa zvipo, chisarudzo chekutora chikamu chinofanira kuva chiri nyore. Funga nezvemipiro iyo inofanirwa kuva bhizimusi chaiyo iwe uchawana nguva imwe chete yekubhadhara. Zvinowanzokurudzirwa kuti iwe uedze kugovera zvishoma nezvakawanda kurongwa wako hwebasa rekushandira iwe unobhadhara iwe sezvaunoda kuti uwane huwandu hwevashandi.
Mipiro yako yekusununguka kune chirongwa chakanaka icharamba ichikura ichidzivirirwa kubva pamitero kusvikira iwe ubvisa mari. Kugoverwa kuchabhadhara pamutero wako wekutambira. Imwe rubatsiro iwe unenge uine huwandu hutsva hwekutsvaga huchasarudza kubva kune uye zvirongwa zvakawanda zvinokwanisa kupa zvikwereti zvisingabhadhari nehupi hwekuwanika kune unyanzvi hwekutsvaga mazano nekuraira
Rimwezve rubatsiro iro vazhinji vanopinda mukutarisa vanocherechedza chirongwa chekugadzirisa zvinhu zvakachengetedzwa pasi pe ERISA kubva kune chikwereti.
Muna 2018, unogona kuwedzera kusvika ku $ 18 500 kusvika kune 401 (k) kana 403 (b) chirongwa (pamwe nemamwe madhora 6,000 "kubata" kana iwe uri nemakore makumi mashanu kana kupfuura). Sezvo zvipo zvako zvaitwa ne pre-tax dollars, iwe unogona kudzura yako yekupedzisira yemutero wegore negore nemazana kana zviuru zvemadhora!
Kutaura muchidimbu, kana iwe uine mukana wekuchengetedza kubhadhara kuburikidza nechirongwa chekurega basa, tora zvakakwana mukana uyu wegoridhe. Zvechokwadi inzira iri nyore uye yakanakisisa yekupa mararamiro ako ekurega basa chikwata chine utano hwakanaka.