Sarudza Misha Yemazuva Ano kuitira Kuti Unogona Kuva Nokuwedzera Kwamangwana Mangwana
Izwi rokuti mubhadhare rinoshandiswa rinowanzoshandiswa kurondedzera michero kune 401 (k) chirongwa kana 403 (b) chirongwa. Kunyange zvakadaro, zvipo kune imwe chirongwa chekodzero yakakonzerwa zvakare inoratidziro yemari yekuregererwa.
Hezvino mahedheni ekuregererwa kwemari uye 401 (k) zvipo zvekuregererwa basa.
Kusarudzwa Kwemari Kupfuura 401 (k) Zvirongwa
A 401 (k) chirongwa chirongwa chekurega basa chinogona kupiwa nemushandi wako. 401 (k) zvirongwa zvinotungamirirwa nekodhi yemitero uye saka ine mitemo inofanira kuteverwa. Mitemo iyi inokubvumira kuti usabhadhara mutero pane imwe yemari yako nhasi nokuisa mari mukati meurongwa. Paunoita izvi iwe haungabhadhara mitero yemari pamusana we 401 (k) kukodzero yemari mumwaka wekutere ikozvino. Pane kudaro, iwe uchabhadhara mitero yemari gare gare iwe paunobva paurongwa. Kana iwe usingabhadhara mutero pamari yakabhadharwa iyi inonzi mitero inopomerwa mitero kana kutora mutero. Zvimwe zvirongwa zvinokubvumirawo kuti uite mitero inotevera.
Iko 401 (k) Dhairrals Kuderedza Mitero Yako
Ngatiti iwe unoremekedza $ 100 pamwedzi wemutengo wako muurongwa hwekurega basa. Iko $ 1,200 kupfuura gore. Fungidzira iwe uri mu 25% mutero bhatikiti. Kazhinji iwe waizobhadhara $ 300 yemitero pa $ 1,200 yemari yaunowana, uchikusiya $ 900 kuti uende kumba uye uise munhoroondo yekuchengetedza.
Pane kudaro, apo iwe unopa iyi $ 1,200 se 401 (k) kukanganisa, iwe haubhadhara mitero pairi. Zvose zvinokwana madhora 1,200 zvinopinda muurongwa uye hazviverengwi semari inotengesa mari gore iroro. Iwe unotofanira kuchengetedza mari yaungadai waifanira kubhadhara kune IRS. Iwe uchabhadhara mitero apo iwe uchibvisa mari yacho, uye zvakasununguka, pane zvigadziriswa sekuti iwe unogona kutora chii.
Somuenzaniso, mitero yemitero inoshandiswa kana iwe ukaitora usati wava nemakore 59 ½.
Mari Yakawanda Yaunokwanisa Kuita
Iko kune muganhu wehuwandu hwemari yako iwe unogona kutarisa muurongwa. Kusiyana kwemari yekuregererwa kwemiganhu kunoshandiswa zvichienderana nerudzi rwechirongwa. Kune 401 (k) zvirongwa, muna 2016, kana uri pasi pezera remakore makumi mashanu, iyo yaunogona kugovera se 401 (k) kusarudzwa kuri $ 18,000. Kana uine makore makumi mashanu kana kupfuura, chikamu ichocho chinokwira kusvika ku $ 24,000.
Chikonzero Nei Uchifanira Kurega Misha
Kana uchangotanga kuchengetedza mari yenguva yako yemberi, zviri nyore kuti uve nehuwandu hwemari yekuchengetedza mari. Hazvina mhosva kuti zvishoma sei, kana kuti unoita zvakadini, iwe unofanirwa kurarama nguva shoma pane iwe, nekuwana nzira yekuchengetedza zvimwe zvekuwana iwe. Uye kana iwe uchiwedzera, iwe unoda kuwedzera kune 401 (k) nemamwe motokari yekuchengetedza kuitira kuti urambe uine mararamiro ehupenyu mukurasira.
Kuisa pamari mari kubva pamari yako yekubhadhara kuburikidza nemari yekuregererwa kwemari inzira inofadza uye yakanakisisa nzira yekuchengetedza. Mukuwedzera, dzimwe nguva mushandirwi wako achakupa mupiro unofanirwa pane chirongwa chekubvisa mari yako. Izvi zvinoreva kana iwe uchitsigira imwe yemari yako, vanopa mamwe emari yavo kuti vafanane.
Kana iwe uri wekushanda, iwe unogona kuisa purogiramu yako pachayo uye kuisa zvimwe zvemari yako pachako uchishandisa SEP IRA, mumwe nomumwe 401 (k), kana SIMPLE IRA chirongwa.
Iyo yakakwirira bhakoni yako yemitero, iyo inowedzera inogona kuve yakanakira kuisa mutero wekutora mitero kusarudzo. Kana iwe uri mubhasikiti shoma shoma kana usabhadhara mutero nokuti une zvakawanda zvakabhadharwa, saka mushure mekubhadhara mitero kushandiswa kune imwe yakasarudzwa Roth 401 (k) nhoroondo ingave iri nani kudarika mutero unotora mutero. Kana uri muchengeti wemari shoma kana pasi pezera remakore makumi mashanu, bvunza waunoshandira kana akakubvumira kuti uite mitero yeRoth 401 (k) mitero.
Ndeipi Icho Chisiri Chikonzero Chakanaka Chokusarudza Misharu?
Zvizhinji zvezvirongwa zvinokubvumira kukwanisa kuita mibairo yezvokubhadhara mubhadharo kunewo zvigadziriswa panguva uye sei iwe unogona kuwana mari yako. Mibairo yekuregererwa kwemisha inoshandiswa ndiyo nzira yakanaka yekutanga kuunganidza dendere mazai nokuti mari inorambidzwa kubva pakushandisa kwenyu kwezuva nezuva, asi iwe unodawo kuva nekuwana mari yekusachengetedzwa.
Kana iwe usina mamiriyoni matanhatu kusvika kumatanhatu ekukosha kwekugara mari yakachengetwa mubhengi rekuchengetwa kwebhangi kana imwe kero yakawanikwa nyore nyore, iwe unogona kubvisa pamari yezvokubhadhara mari uye basa pakuvaka kuchengetedza nguva dzose. Kuwana mari inoshandiswa kunoshanda sechikwata chekukurumidza kune avo "zvikwereti zvisingatarisirwi" kana kuchinja muzvirongwa.