Chikonzero Nei Uchifanira (uye Usingafaniri) Max Out Your 401 (k)

Hazviiti Nguva Dzose Kuchengetedza Kubatsira Ma Max kune yako 401 (k)

Idya utano. Ramba uchishingaira uye urovedza muviri. Wana usiku hwakanaka huro. Save for retratirement. Izvi zvose zvakakosha pakuita maitiro mazano anoita kuti tive neutano hwakanaka uye hutano hwakanaka. Asi dzimwe nguva kuziva kuti iwe unofanirwa kunge uchiita chimwe chinhu kuti uchinatsire hupenyu hwako huno uye huchauya hahukwanisi. Iwe unoda mamwe mazano uye chirongwa chekubatsira kukubatsira iwe munzira.

Kana zvasvika pakuponesa kwekurega basa mutungamiri mukuru ndeyekuchengetedza, kuchengetedza, uye kuchengetedza zvimwe zvakare.

Kuita mipiro kune 401 (k) kana chirongwa chakafanana chekurega basa chinogona kuonekwa sechisina-brainer ine mitsara yakawanda inoratidza kuti vazhinji veAmerica havanzwi sokuti ivo vari munzira yekuzadzisa zvinangwa zvavo gare gare muupenyu. Ichokwadi, nyanzvi dzakawanda dzezvemari dzemari dzinoratidza kuponesa pane imwe nguva pakati pe10 kusvika ku20 muzana yemari yako yose mubasa rako rose rekushanda. Zvose izvi zvinotarisirwa kukuendesa kune makumi mapfumbamwe kubva muzana kubva kune imwe nzvimbo yekugadziriswa.

Zvechokwadi, izvi zvinongova zviratidzo chete uye urongwa hwako hwehupfumi hunofanirwa kuva-zvakanaka, uri wega .

Paunofanirwa kubhadhara michero kune yako 401 (k) chirongwa

Nzira yakanakisisa yekupa mazano ndeyokuda kuchengetedza zvakakwana kutora kambani yako yekambani kana yakapiwa. Kune zvakawanda mamiriro ezvinhu apo kuenda kumusoro nekunze kwekambani yekambani inodiwa kuti uwane mari yekurega basa. Muna 2018 mari yakawanda yaunogona kuisa kune 401 (k) chirongwa che $ 18,500 ($ 24,500 kune makore makumi mashanu kana kupfuura).

Heano mamwe matanho emari anodiwa kuva panzvimbo asati aita zvakawanda zvakakwanisika kune yako 401 (k):

• Iwe une mwedzi inenge mitatu kusvika kumwedzi 6 yezvinhu zvekushandisa zvekushandisa zvekushandisa zvakagadzirirwa kunze mune mari yekukurumidza.
• Iwe wakabvisa chikwereti chekwereti kadhi rechikwereti chikwereti, zvikwereti zvako, zvikwereti zvemotokari,
• Iwe uri munzira yekufikira zvinangwa zvenguva pfupi zvemari zvemari zvakadai sekuva nemwana, kutenga imba, kana chimwe chinhu chikuru kutenga.

• Unayo inshuwarisi yehupenyu yakakwana.
• Iwe une chirongwa chemuda wehupfumi chinosanganisira kuda uye mamwe magwaro anokosha (mararamiro anorarama, simba rehutano hwehutano hwevatongi, matariro, nezvimwewo).
• Iwe uri kuwedzera kusvika kuwandu huwandu hunobvira kuAkaunti yako yeUkuchengetedza Utano (kana yakafukidzwa neurongwa hwehutano hwakakosha)
• Iwe une inshuwalhu yakakwana yekuchengetedza inshurensi yekuchengetedza iwe nemhuri yako kana ukasachashandira kwemwedzi mitanhatu kana kupfuura.
• Kana iwe uri pedyo nekurasikirwa iwe une hurongwa hwekuchengetedza kwenguva yakareba munzvimbo (LTC inshuwarisi, kubhadhara, nezvimwewo).

Paunofanirwa kubhadhara michero kune yako 401 (k) chirongwa

Kunyange zvazvo ichipa kusvika pakukwanisa kuwandisa kune 401 (k) inogona kuve yakakodzera, haisi iyo nzira yakarurama yevanhu vose. Chimwe chikonzero, havasi vose vanogona kupa $ 18 500 pagore hurongwa hwekushandira mari. Kana iwe ukawana $ 50,000 pagore izvi zvikamu makumi matatu nezviviri zvezana rako rose. Zvakanaka kubvuma iwe usingave nemari yakawanda inodhaka inoita kuti izvi zviitike.

Iyo yose yekurasira basa inoronga chirongwa chekuenzanisira chekuisa mari kunze kwekuzotevera paanenge uchiedza kugadzirisa zvido nezvido zvemazuva ano. Kana wakagamuchira chikwereti chekwereti chikwereti kana uine chikwereti chikuru kwete chekubhadhara chikwereti (semuenzaniso, chinopfuura 6 kubva muzana) iwe unofanirwa kuchengetedza chikwereti-kuderedza sechinangwa chinonyanya kukosha.

Saizvozvowo, kana iwe usina mari yakakwana yekubhadhara dambudziko rekuchengetedzwa kwekutsvaga panzvimbo iwe unogona kuisa pfungwa pane izvozvo usati watengesa kubhadhara mari yepamusoro pamusoro pemushandi wako.

Pane zvimwe zvikonzero zvekufungisisa nezvekuwedzera kwema 401 (k) zvipo. Kana hurongwa hwako hwekurega basa kubhadharwa nemari yakakwirira uye mari yako kana kuti uine urombo hwekutsvaga kwekutsvaga iwe unogona kurega kuenda mberi uye mberi kwekambani yekambani. Mimwe mitero-inobatsira mari yekurega mari yakadai seyetsika kana Roth IRAs ichakubvumira kupa mari kusvika ku $ 5 500 pagore ($ 6 500 kune avo vane makore makumi mashanu kana kupfuura) uye kukupa humwe hutungamiri pamusoro pezvaunogona kuita mari.

Sezvaunokwanisa kuona pane dzimwe nguva zvinonzwisisika kuwedzera ma 401 (k) uye dzimwe nguva ungada kuisa zvipo zvako. Nhanho yekutanga kana uchitarisa kuti unofanirwa kugovera chii kuongorora yako mamiriro ezvinhu emari.

Kana iwe uine nheyo yakasimba yezvemari munzvimbo uye iwe waunoshandira akaronga hurongwa hwekurega basa hutakuriswa nezvinhu zvakanakisisa, kufambisa zvipo zvako zvinonzwisisika. Kana iwe uchiri kushanda kune zvimwe zvikamu zveurongwa hwehupenyu hwehupfumi iyo chiratidzo chokuti iwe unofanirwa kubvisa paunowedzera 401 (k) zvipo. Mashoko akanaka ndeokuti kubhadhara chikwereti chakanaka, kuvaka munharaunda yako yekuchengetedzwa kwenyika, uye kuisa kune zvimwe zvinangwa zvezvemari zvakare matanho anokosha munzira inoenda kune hutano hwechokwadi uye kupa pfungwa dzekugadzirisa zvakanyanya mari.