Dzidza Kubhadhara uye Kuda Kwekukwereta Kubva Kwawakako 401 (k)

Kutora Chikwereti Kwaigona Kureva Mutero Wakaviri kune vanofarira

Pane zvakanakira uye zvinotora kutora chikwereti kubva kune yako 401 (k) hurongwa. Iwe unogona kungokwereta kubva pane chirongwa chako kana iwe ikozvino uchishandiswa nekambani inopa urongwa, uye kunyange zvakadaro, haasi iyo mapurani ose emakambani anotendera chikwereti. Saka iwe unoda kutarisa mitemo pane chirongwa chako kuona kana zvikwereti zvinobvumirwa nekuverenga zvinyorwa zvako kana kutaura neHuman Resources kana kuronga mureza. Kana iwe ukakodzerwa kukwereta mari kubva kune yako 401 (k) chirongwa chimbofunga kubatsirana nehana yako usati wasarudza kutora chikwereti.

The Pros

• Hapana chikwata chekukwereta chinodiwa.
• Kwete kwete pasi pekwereti chikoro chaidiwa.
• Iwe unotsiva chikwereti nemabhadharo okubhadhara zvakakwana pamusana pemazuva akawanda kusvika kumakore mashanu.

The Cons

• Kaviri mitero kune chikamu chekufarira. Iwe ikozvino uripa chikwereti kumashure kune yako 401 (k) uronga nemutero wemutero. Kudai usina kukwereta mari, ingadai iri kuwana mutero unoderedzwa mukati meurongwa uye iwe unongotarirwa kamwe chete - kana uchibvisa. Nokukwereta, iwe zvino unotofanira kuwana mari, kuripa mitero pairi, wozoisa chikwereti shure muchirongwa. Kana iwe uchibvisa gare gare, iwe uchabhadhara mutero wemari pairi zvakare. Izvi zvinokunda chinangwa chokuva nekodhi-yakatorwa kero.
• Kana iwe uchisiya waunoshandira musati waita chikwereti ichibhadharwa, chero chikwereti chakakosha chinogona kutorwa sekushambadzirwa kwekutengesa kwauri kunze kwekubhadharwa zvachose mukati mehuwandu hwenguva.
• 401 (k) mari inodzivirirwa kubva kune chikwereti uye kubhadhara. Kana ukakwereta mari kubva pane chirongwa chekubhadhara chikwereti, uye uchiramba uine dambudziko rezvemari uye wobva wapedzisa kuisa chikwereti, iwe uchange wakashandisa mari kubhadhara chikwereti, apo chaizvoizvo mari iyi ingadai yakachengetedzwa nekuda kwako.

Zvikonzero Vanhu Vanokwereta Ita 401 (k) Mari

Vanhu vakwereta mari kubva kune avo 401 (k) nekuda kwezvikonzero zvinotevera. Handifungi kuti zvikonzero zvakanaka:

• Kubhadhara bhizimusi kutanga-up.
• Kubatsira mwana akwegura.
• Kutenga motokari.
• Kubhadhara imwe chikwereti.

Kune chikamu chikuru, ndinofunga kubhadhara mari kubva kune yako 401 (k) chirongwa chezvinhu izvi chinhu chakaipa.

Iwe uri kukuvadza ramangwana rako rekurega basa. Funga nezvemakore makumi manomwe kana makumi masere egore iwe ... uye funga kaviri usati washandisa dendere rayo mazai.

Ndiani Anofanira Kukwereta Mari Kubva Mudzinza Radzo Rokutanga (K)?

Kubva 401 (k) kuronga mari yakachengetedzwa kubva kune vane chikwereti, unoda kufungisisa zvakanyanya usati wazvo chikwereti uye kusava nechokuchengetedza. Iwe unofanirwa kutsvaga zvimwe zvese zvisarudzo usati wasarudza pane 401 (k) chikwereti.

Kana iwe uchitarisira mari zvakanaka, uye uchinzwa basa rako rakachengeteka, 401 (k) chikwereti chinogona kunge chiri chinogamuchirwa iwe. Ndakaona CPA ichikwereta kakawanda uye ichibhadhara mari kubva kune 401 (k) hurongwa hwokubatsira kubhadhara kune mamwe mabhizinesi. Izvi zvakashanda zvakanaka kwaari. Akanzwisisa chikamu chekubhadhara, akatevera mitemo yose uye yakanakisisa yevose, nguva dzose aisa mari yacho muchirongwa chake nenguva.

Ndiani Asingafaniri Kukwereta Mari Kubva Mudzinza Ravo Rokutanga (K)?

Kana uine chikwereti, kukwereta kubva kune yako 401 (k) urongwa hwokuripa iyo inogona kunge iri mhinduro yakaipisisa. Sei?

Nokuti kana iwe usingakwanisi kuwana mari yako mukugadzirira uye chikwereti chako zvinetso zvinopfuurira iwe hausi nani zviri nani. Kurangarira kuva, kana iwe uchisiya mari iyo yako 401 (k) uronga iyo inodzivirirwa kubva kune vane chikwereti uye kubva kubhengi. Kana iwe ukashandura vashandi kana kurasikirwa nebasa rako uye haugoni kubhadhara chikwereti, iwe zvino unogona kubhadhara mari ku IRS yemitero yemari nemitero.

Somuenzaniso, fungidzira Chris ane $ 25,000 yekwereti kadhi chikwereti uye $ 50,000 mu 401 (k) chirongwa chake.

Anokwereta $ 25,000 kuti atore chikwereti chake. Anounganidza chikwereti chakawedzerwa uye pakupedzisira anozopedzisira apedza kubvisa chikwereti. Kudai akanga asiya $ 25,000 mu 401 (k) chirongwa chake, icho chaizova pfuma yakachengetedzwa uye dare rekudarika raisagona kuribata. Sezvo iye akazvibvisa uye akabhadhara chikwereti, iye zvino haasi kungoita mari, iye anofanira kuramba achiripira $ 25,000 kusvika kune 401 (k) chirongwa pane kuva nekodzero yekubvisa chikwereti ichocho.

Kana akange aisa chikwereti panzvimbo yekubhadhara mari yacho kunze kwepurogiramu yake 401 (k) aizobuda kunze kwekugadzirisa ne $ 50 000 achiri mu 401 (k) chirongwa chake, kutanga kwekuvaka zvakare ramangwana rake remari. Pashure pokunge apera, kana asingatsivi chikwereti 401 (k) chikwereti icho chichatorwa sekugoverwa kunobhadhara, uye achabhadhara mitero pa $ 25,000.

Chikwereti chemitero hachigoni kubviswa nechisarudzo.

Usati waita mari kubva kune 401 (k) urongwa hwokubhadhara chikwereti chevatengi, funga zvose zvingasarudzwa kuti ubvise chikwereti, kusanganisira kubhadhara. Kana ukasarudza kukwereta kubva kurongwa hwako, ita izvozvo chete nekuzvipira kwakakwana pakuwana nokuchengeta mari yako.

Mamwe mazano ekukwereta kubva kune wako 401 (K)

Vamwe 401 (k) zvirongwa zvinobvumira matambudziko ekuregererwa kwezvinhu zvakadai semari dzisingatarisirwi mishonga kana kuti kudzivisa kudzingwa. Kana iwe ukatora dambudziko rekuregererwa iwe uchabhadhara mitero pamari yaunodzinga mugore iwe unoitora.

Kana iwe uri mune chikwereti, funga kushanda nevatengesi kuti uise chirongwa chekubhadhara chikwereti, kana kutaura neanopomerwa chikwereti pamusoro pokusarudza kushandiswa kubhadhara kubvisa chikwereti chako apo uchichengetedza 401 (k) nemamwe mari yomutero.