Chikonzero nei Iwe Usingagone Kuchinja Nhamba Isa kune 401 (k)
Vakawanda 401 (k) vanoronga kutumira cheki kana kutengesa mari iri mumari zvakananga kuAlex account yako yakasarudzwa paunoita rollover. Pane mashoma mashoma 401 (k) zvirongwa zvinobvumira izvo zvinonzi "in-kind" kutumira / rollover apo zvikamu zvezvikwereti zvaunenge uri mukati me 401 (k) zvinoshandiswa mu-mutsa kuIRA yako.
Mukumutsa mutsa hakuwanzowanika nokuti nguva yakawanda iyo kusarudzwa kwekutsvaga mukati mekambani yekurasikirwa kwekambani hakuwaniki kunze kwerongwa. Semuenzaniso, vazhinji 401 (k) zvirongwa zvinopa boka rinokosha re mutual fund mitsva yezvirongwa zvekurega basa. Uye mari yakachengetedza mari , chisarudzo chinowanzo mukati mezvirongwa zvekurega mari, hazviwanikwi kunze kwezvirongwa.
Kubatsira Kwazvo Nhamba Kusinganzwisisiki Kuonga Kunobatsira Kutarisira Company Stock
Paunenge uchirega basa kana kusiya kambani une zvisarudzo zviviri:
- Ipa zviyero izvi kubva purogiramu iri pasi pemitemo yemitero inokosha
- Dzorerai mari yose mumari kune IRA (iwe unogonawo kugovera soro pasi pemitemo yakatarwa yemitero uye wobva waisa pamusoro pemari yakasara yeIRA)
Kana kambani inowanikwa muurongwa hwekubvisa basa yako yakatengwa nemishandiro yevashandi kana nemugove wako wekare usati wabhadhara saka inokodzera kubhadhara kusinganzwisisikodhi kubhadhara mutero. Zvinotora vamwe kuverenga kuti vaone kana iyi inobhadhara mutero inobatsira iwe.
Kuti tinzwisise kuti inoshanda sei, ngatitenderei nomuenzaniso. Ngatiti iwe une $ 60,000 yeWIDGET muchikwata chako chekurega basa. Funga nezvenzvimbo yako yepamberi yakaitwa nhatu nhengo:
- Mutengo wePasi ndiwo mutengo (kana muvhareji wekutengo) wakabhadharwa zvikamu. Washandi wako anogona kukupa nhamba iyi. Nokuda kwemuenzaniso wedu, tichafungidzira mazamu ezvakabatanidzwa zvezvikamu zvacho zvaunenge uine $ 25,000. Paunenge uchigovera sengo semari yemari pamubhedha iwe unobhadhara mutero pamutero wako wekubhadhara wemari pamutengo wemari. Saka mugore rekuparidzirwa, $ 25,000 yemari inogona kuverengwa pamutero wako wekubhadhara sekusarudzwa kwepenheni.
- Net Unrealized Appreciation (NUA) ndiwo musiyano pakati pemari yekutengesa uye kukosha kwemusika apo sengo inoparadzirwa kubva kurongwa. Funga zuva iro mashizha akagoverwa kukosha kwezvikamu zvako ndeye $ 60,000. Sezvo mari yako yakakosha iri $ 25,000, mambure asingazivikanwi asina kukoshesa angave $ 35,000. Kazhinji iwe haubhadhara mutero pane iyi yakawanikwa mari isati yasvika kusvikira iwe uchitengesa chigadzirwa, uye panguva iyo ichakweretwa pane imwe nguva yakawanda inowanikwa mubhadharo kunyange kana iwe uchiitengesa pakarepo. (Unogona kuita sarudzo chaiyo yekubhadhara mutero panguva yekugoverwa. Izvi zvingava zvine musoro kana mari yako yegore ichikuisa muhotera shoma kana zero mari inowanikwa muhomwe uye iwe unotarisira munguva yemberi yako mari inowanikwa mutero kuva akakwirira zvikuru.)
- Kuwedzera Kukoshesa izwi rinotsanangura mari inowanikwa mari inowanikwa mushure mekunge iwe uchigovera sengo, kana iri kuramba ichikwira mumutengo. Izvi zvinowedzera kukoshesa kunotengesa chero nguva pfupi kana kuti kwenguva refu yekuwana mari inowanikwa zvichienderana nekureba kwei iwe unobata zviyero mushure mekunge zviparidzirwa kubva kurongwa. Iwe unofanirwa kuchengetedza zvikamu zvingasviki mwedzi gumi nembiri kuti uwane chikamu chepasi chemajeri chinowanikwa.
Nzira yekuziva sei kana NUA Imitambo Inorapa Iwe Iko Mari
Kune mamiriyoni emutsetse emuteresi asina kukwaniswa kutarisirwa kuverenga calculators, asi vazhinji vavo vane kukanganisa.
Kuongororwa kwakagadziriswa kuchakubvumira kushandisa nguva yekugadzirisa maitiro kuisa gore negore zvakarongwa mumadhoroji emitero, mazano anowanikwa muhomwe, uye kugoverwa kwegore negore. Heano maitiro ekufungisisa iwe paunosarudza kwako:
- Zera: Muduku iwe ndiyo nguva yakawanda yekuwedzera kwekukanganiswa kwemitero muIRA kuti iwedzere mari yepamusoro inowanikwa mubhadharo inogona kunge ichishanda nekugovera sengo. Zvisinei, zvose zvakajairika 401 (k) mitemo yekupararira kwemakore inoshanda. NUA kugoverwa hazvibvumirwi kubva pamusana pekuparidzira chirango chemitero.
- Nhamba yemari mumakoshesi ekurega mari: I f yako yakawanda yemari yako iri mumatare e-taxerrederred (401ks, IRAs, 457s, 403bs, etc.) saka kugovera soro neNUA mishonga yekutere kunogona kukupa mukana wokukurumidza kukura pakati pekutanga kutereta uye mushure mekubhadhara mari . Izvi zvingaguma nekuwedzera mari yekubhadhara mushure mushure mekubatira kwako makore apo zvinoda kugoverwa zvishoma (RMDs) kubva kumabhengi ekurasira anotanga. Nokuderedza mari yakawanda mumakosheni ekurega basa iwe uchange uchideredza maMMD ako.
- Mutengo weNUA: Kana nheyo iri pasi uye kukosha kwekozvino kwekambani yekambani yakakwirira, zvinogona kuita kuti mushonga weNUA mutero unakidze.
- Mitero yako yemitero: Ini f yako yemari yemari yemutero mumakore anotevera apo iwe uchatora kugoverwa kubva kumabhengi ekurega mari inofanirwa kuva yakakwirira kudarika nguva yakareba yemari inowanikwa mutero wezvikwereti izvi zvinogona kuita kuti urongwa hweNUA huve hwakanaka.
- Njodzi: Mumwe munhu ndeyekutsvaga kwekukuvadza kwakanyanya kudarika nzvimbo yakasiyana-siyana. Kana kambani yekambani inomiririra chikamu chikuru chemari yako yezvemari uye unoronga kuchengetedza chigadzirwa pashure pokuchiparadzira kubva pane chirongwa chaunofanira kufunga nezvehuwandu hwehutano hwekutsvaga huno hunosanganisira.
Paunofunga nezvekugovera nzira yekugovera kambani yekambani kubva purogiramu yekusarura kuongororwa zvakagadzirwa nemunhu anokwanisa kubhadhara basa kana kuti nyanzvi yemutero inokurudzirwa.