Funga zvose zvisarudzo usati watora kutora kuoma kwekugovera.
Kuti uone kana chirongwa chako chichibvumira 401 (k) kunetseka kubvisa iwe unoda kutaura nemurongwa wako wekugadzirisa, iyo inogona kunge iri mumwe munhu mubazi revanhu kana rekubatsira, kana iwe unogona kudana nhamba yefoni pane yako 401 (k) ronga rondedzero yemashoko.
Dambudziko Dambudziko
Kana purogiramu yako 401 (k) inobvumira dambudziko rinorega kana richizova chimwe chezvikonzero zvitanhatu pasi apa:
- Zvisingatarisirwi zvekurapa mari
- Mari dzinodhura nezvekutenga imba
- Kudzidzisa uye mari yakaenzana yekudzidzisa uye mari
- Zvipo zvinotarisirwa kuti udzivise kudziviswa kubva, kana kutaridzirwa, kumba kwako
- Kuviga kana mariro emari
- Mariro yekugadzirisa kukanganisa kumusha wako
Mitero ine 401 (k) Matambudziko Kubviswa
Iwe uchabhadhara mitero pachiyero chaunotora kunze kwechimiro chekuoma kwekuregera. Mukuwedzera kune mitero yemari inobhadharwa, iwe ungangodaro unobhadhara 10% yekutengesa mutero. Iwe unogona kukwanisa kubhadhara mutero we 10% wekutengesa kana iwe ukawana chimwe chezvinhu izvi zvinotevera:
- Iwe wakaremara
- Chikwereti chako chezvechipatara chinodarika 7.5 muzana yemari yako yakashandurwa yakawanda
- Iwe unorayirwa nemirairo yematare kuti upe mari kumudzimai wako akarambana, mwana, kana anovimba naye
Kana iwe usingafanirwi neyemutero kune mutero wechirango, unofanirwa kuronga kuti anenge masentimita makumi matatu emadhora ose iwe waunotora achaenda kumitero. Kana iwe ukatora $ 1 000, mushure mekutere iwe unogona kuwana $ 700.
Kana uine zvimwe zvigadzirwa, zvakadai semari inoshamisika , iyo inogona kushandiswa kugadzirisa zvido zvako zvemari saka zvakanakisisa kushandisa iyo midziyo kutanga uye kushandisa 401 (k) kunetseka kubvisa chete kana iri yako yekupedzisira yakasarudzwa.
Uchapupu hwezvinetso
Kuti ukwanise kuva sekutambudzika, iwe uchada kutsanangurira mamiriro ako ezvinhu kune yako 401 (k) hurongwa wehutungamiri.
Kazhinji nguva iyo vanogona kugadzirisa kana vachifunga kuti mamiriro enyu ezvinhu anokwanisa sekutambudzika, asi makumi mana (k) zvirongwa zvingada kuti mamwe mapepa ataurwe. Bvunza wako 401 (k) urongwa hunogovera zvavanoda sehuchapupu hwekutambudzika.
Usati Watora Matambudziko Kubviswa
Vanhu vazhinji havazive kuti 401 (k) mari inodzivirirwa kubva kune vane chikwereti uye yakachengetedzwa kubva kubhadhara. Kana iwe uri kutambudzika mune zvemari uye uchifunga kuti ungagumisa kupfiga kubhadhara iwe usabhadhara yako 401 (k) chirongwa. Vakatora chikwereti uye dare rekudarika haigoni kutora 401 (k) kuronga mari.
Zvinogona kunge zviri nani kukwereta mari pane kutora 401 (k) kunetseka kubvisa. Vanhu vakawanda kwazvo vanobva kune 401 (k) varonga kana kutora dambudziko rekuregererwa kubhadhara mari yezvemari kana 401 (k) mari yavo inogona kudzivirirwa kubva kune avo vane chikwereti. Edza kushanda chirongwa chekubhadhara nemunhu anotora chikwereti usati waita chirongwa chekubvisa mari yako.
Mushure mekunge Tora 401 (k) Matambudziko Kubviswa
Kwemwedzi mitanhatu mushure mokutora 401 (k) kutambura kuregera, haugoni kubvumirwa kupa michero kune yako 401 (k) hurongwa. Iwewo haubvumirwi kubhadhara kuwanda kwematambudziko ekubvisa, asi iwe unogona kuramba uchipa (pashure pemwedzi mitanhatu) zvichikwira makumi mana 401 (k) mvumo yekubatsira yegore.
401 (k) Matambudziko Kusunungurwa kana 401 (k) Kwereta?
Kana ukwereta mari kubva kune yako 401 (k) urongwa iwe unogona kuripa zvakare makore mashanu, uye chikwereti chaunobhadhara chinodzokera kukero yako. Panguva yaunotora chikwereti 401 (k) chirongwa chemari , iwe haungabhadhara mitero pamari yaunokwereta. Kana iwe usingabhadhari mari yakakwana yawakakwereta maererano neurongwa hwekubhadhara saka imwe yakasara yemari yemari ichava kugoverwa kwekubhadhara iwe iwe uye inogonawo kuva pasi pe 10% yekutanga kutora mutero wekutengesa kana iwe usati wava nemakore 59 1 / 2.
Nemhaka yekusiyana uku, 401 (k) chirongwa chekuripa chikwereti chinobvumira kugadziriswa kwakawanda kudarika 401 (k) kuronga kunetseka kubvisa.