Chikonzero Nei Uchifanira Kuongorora Vako 401 (k) Ronga Vakabatsiri

Mabatsiro Okugadzirirwa Mafomu Haasi Mamwe-uye-Akaitwa Zvinyorwa

Paunomisa 401 (k) chirongwa chako kana imwe sarudzo inobhadhara mari yekushandira pabasa, unokumbirwa kusarudza yako isati yateresi kana mushure mekubhadhara mutero, kusarudza kwako kwekutsvaga mari, uye mapurogiramu ako anobatsirwa . Kubva ipapo, vanhu vazhinji vanongotya chete nezvekugadzirisa matanho maviri ekutanga ehuwandu hwekuchengetwa kwepamusoro nekubhadhara kwekubhadhara kana kusarudzwa kwekutsvaga kwekutsvaga kuburikidza nehutano kana kushungurudzika kwengozi. Kunyange zvazvo iwe mazita ekubatsirwa haafaniri kuongororwa gore roga roga, inofanira kuongororwa kakawanda sekuda kwako zvinoreva makore mashomanana kana kuti zvakakonzerwa nezviitiko zvekuchinja upenyu sechato, kurambana, kuberekwa, kana kufa ( pakati pevamwe).

Heino chikonzero.

Kubhadharwa Nhoroondo dzekutsvaga paAfa Asset

Kusiyana nedzimwe nzvimbo uye zvinhu, zvinhu zvakachengetwa mubasa rekushandira basa rakarambidzwa se 401 (k) kana rimwe rekuchengetedza rekuchengetedza basa seIRA inotarisirwa sehupfumi-hwe-rufu (TOD), zvichireva kuti umiridzi wehupfumi hunotamirwa ku vakagadzirirwa zvakagadziriswa pamusoro pekufa kwenyu panzvimbo pekuparadzaniswa sezvinotaurwa mukuda kwenyu kana nedare remhosva.

Chinyanya kukosha kune TOD mairi ndeyekuti kazhinji vanobvumirwa kupfuurira kune avo vanogara varipo kunze kwenzvimbo yekuenzanisa, zvichiita kuti avo vakagadzwa vakagadzirirwa kuti vasapedza nguva nemari yekutarisa kwezvinhu zvezvinhu izvi. Icho chinopedzisira kune nyaya yekuendesa-pa-rufu ndeyokuti kana kuda kwevakafa kwezvinhu zvakadaro kwachinja, asi vanobatsirwa havana kuongororwa maererano, pane vashoma vanogona kuita. Uyezve, kana avo vakagadzirirwa vakagadzirira predecease muridzi webhuku asi avo vanobatsirwa havana kumbovandudzwa, ipapo iyo iyo inenge ichitungamirirwa nenguva uye mari yekuongorora.

Saka iwe unobatsire sei zvinobudirira zvekuva nevatsigiri venyaya, asi uchidzivisa hurumende? Danho rokutanga nderokupa vatengi vako vepamusoro uye vanokwana.

Kusarudzwa Kwevadzidzi Vanonyanya Kuda uye Vanopinda

Paunotanga kuisa yako 401 (k) kana IRA, iwe uchapiwa mukana wekutsanangura vanobatsira paIndaneti kana pane fomu inobatsira.

Pachimiro ichi, unofanira kuratidza munhu mukuru wekubatsira uye anowanikwa mubatsiri .

Munhu mukuru anobatsirwa anowana kubhadhara kwekambani yako mumamiriro ezvinhu akaipa iwe unofa. Munhu ane ruzivo anobatsira kana kuti anobatsira, kune rumwe rutivi, anosarudzwa muitiko iyo iwe mukuru wekubatsira iwe anokugadzirisa iwe. Sezvo munhu akafa asina kukwanisa kugara nhaka, yako 401 (k) mari yekodha inogona kuenda kune avo vanowirirana vanobatsira (avo) wawakaratidza kana iwe mukuru wekubatsira haasisiri mupenyu.

Kazhinji, iwe uchazopiwawo sarudzo yekuisa muzana yehuwandu hwemafa edzimhosva kuenda kune avo vanobhadhara. Ngatitii, somuenzaniso, kuti iwe wakaroorana uye une vana vaviri. Iwe unogona kusarudza kuita kuti wako wako ave wekubatsira zvikuru pa 100% anoreva kuti kana iwe ukapfuura, wako wako achagara nhaka yekodhi yose kukosha. Asi kana mukaroorana wako achikugadzirisa, iwe unoti mumwe nomumwe wevana vako sevakabhadharwa ne50%, zvinoreva kuti iwe kana mudzimai wako achifanira kuenda mberi kana panguva imwechete iwe, iwe mumwe wevana vako vaviri achawana hafu yekodzero yebhuku. Zvisinei iwe unosarudza kusarudza vatsigiri vako zvose zvakanaka uye zvakanaka. Dambudziko rinomuka kana iwe usambofungi nezvemafomu avo vanowanazve zvakare mushure mekuzadzikisa ivo kokutanga.

Chikonzero Nei Uchifanira Kudzokorora Zvaunofanirwa Nezvipo

Kunyange zvazvo uchibata chimiro chako chekupa mazita sehupenzi sechiito chekuita-uye-chakaita kazhinji chinogona kunge chakanaka, chinogona nguva nenguva kuva chinetso chinoshamisa. Kudzokera kumuenzaniso wedu wokutanga, ngatiti iwe unozopedzisira waroora. Makore gare gare, iwe unoroora zvakare. Iwe une tariro yekuvandudza kuda kwako kuitira kuti wako mutsva wako agare nhaka yeimba yako nezvimwe zvinhu paunofa. Kuva wakakwana, iwe unosangana nehupenyu hwe inshuwarisi yehupenyu uye saizvozvo iwe unopa maitiro anodiwa. Asi iwe hausi kuchinja mari yako yekubvisa mari. Makore gare gare iwe unofa.

Imba yako ichapfuura kune wawakaroorana naye, zvichienderana nemitemo yekuda kwako. Upenyu hweinishuwarenzi yehupenyu huchaenda kumudzimai wako mutsva zvakare, nekuda kwekudaidzwa kwawakaita kuhutano wechuwarisi yehupenyu hwako. Asi yako 401 (k) inoronga?

Icho chiri kuenda kune wawakaroorana naye, nokuti hauna kumbogadzirisa iyo 401 (k) mafomu ekugadzirisa mafomu. Sezvo iyo nhoroondo yeTOD, kudarika kero yako 401 (k) nhoroondo haisi kutevera mazwi eanoda kufanana nezvimwe zvinhu zvako. Mufambiro wokufananidzira fomu ndiyo gwaro rinotungamirira, izvo zvisingabatsiri munyaya ino. Kuti udzivise matambudziko akadaro, iva nechokwadi chokuti iwe nguva nenguva unongororai ivo 401 (K) uye IRA mafomu ekugadzirisa mafomu, kunyanya kana iwe wakanga uine humwe hukuru hwemhuri kubva pawakamisa hurongwa. Iwe nevadiwa vako muchaonga kuti maita.