Kuenzanirana Kwako Kwakaitwa Ndiyo Chikamu Chinoenda Nawe.
Paunoisa mari mu 401 (k) chirongwa chako , chaunoshandisa chiri chako. Izvo zvinowanikwa nekambani yako zvinogona kuva zvako chete kana iwe ukaramba uchishanda ipapo nguva yakawanda yaidiwa. Purogiramu inogadzirisa zvaunowana zvichienderana nekugara kwenguva yakadini inonzi chirongwa chekugadzirira. 401 (k) kuvhara, kana kuti kunonzi "chiyero chako", rinoreva kuti yakawanda sei 401 (k) muyero unoenda newe kana ukasiya kambani.
Kuvara kunoshandiswawo kusarudza kuti ungakwereta zvakadini kana iwe wakatora chikwereti 401 (k) chikwereti, sezvo iwe unogona kukwereta kubva pachiyero chako chakanaka. Hezvino 401 (k) inopa mabasa.
Mipiro Yako - 100% Yakapiwa
Iwe unogara uine 100% wakaiswa muzvipo zvako, saka iwe unogara uine mari yako. Iwe unogona kuisa mari nhasi, uye kunyange kana iwe uchibva mangwana, mari yaunoisa mune yako 401 (k) urongwa kubva pamari yako pachako ndeyako pasinei nokuti chii.
Mipiro yeKambani - Inotenderera
Kune mhando dzakawanda dzemakambani emakambani uye vanogona kuva nemararamiro akasiyana ekugovera.
- Nzvimbo yakachengeteka chikwangwani-100% Yakabhadharwa: Kana mushandi wako achishandisa izvo zvinonzi "chikepe chakachengetedzwa" ipapo iwe uri 100% wakapiwa mugove iwoyo wemupiro wekambani. Gore roga roga pedyo nekumagumo kwegore kambani inotumira chiziviso chinotsanangura maitiro avo. Ichi chiziviso chichakuita kuti uzive kana vakashandisa chikamu chakachengeteka chechikepe.
- Mipiro yekugoverana pamwe nekugoverwa kwezvipo - maererano nehurongwa hwekugovera: Mipiro inowanzoenderana (ndiyo iyo isingawi pasi pezvigaro zvakachengeteka zvigadziriro) uye zvipo zvekugoverana zvingave zvichienderana nehurongwa hwekugovera.
Mienzaniso miviri yeChirongwa Chekugadzirira Kuwanana
Cliff iri kutora: Pasi pemaitiro akafanana ekugadzirisa purogiramu, kana iwe uchisiya makore matatu asati asvika iwe haugoni kutora chero mari iyo kambani inokuisa iwe. Pashure pemakore matatu, iwe uri 100% wakagadzirirwa, saka zvipo zvose zvekambani ndezvako kubva ipapo.
Kubhadhara zvikwereti: Nehurongwa hwekutengesa zvakagadzirwa, unochengetedza chikamu chemari iyo kambani yaisa mukati mayo zvichienderana nekushanda kwawakashanda ikoko.
Mushure memakore matanhatu mapato emakambani ndeapi kubva ipapo kusvika mberi. Pasi pane purogiramu inowanikwa yakawanda yekutengesa.
Gore 1 - 0%
Gore 2 - 20%
Gore 3 - 40%
Gore 4 - 60%
Gore 5 - 80%
Gore 6 - 100%
Usati wachinja mabasa iwe unogona kuongorora bhadha yakachengetwa yekambani yekambani yekurasikirwa kwekambani yako. Zvichienderana nekambani yako 401 (k) kuisa purogiramu, kumirira kwechinguva chiduku musati wasiya waunoshandira ingagona kuwedzera zviuru kune akaunti yako. Uye, hongu, usaisa mari yako 401 (k) muyero kana iwe uchibva. Regai zvikure kana kuzviputira kune IRA kuitira kuti zvigone kuramba zvichishanda kwemakore ekurega basa.
Kana uine makore makumi mana (k) kubva kune vekare vashandi haufaniri kufunga nezvekugadzirira nokuti hausipo. Nekare kare 401 (k) s funga kusunganisa maakarenda muIRA imwe yekuita kutevera nekutarisa mari yako mari nyore.