Tsvaga kana Urikodzero yeCash Kubva Purogiramu Yako 401 (K)
Kana iwe uchiri kushanda nekambani inotsigira 401 (k) chirongwa chako iwe haungakwanisi kubhadhara mari iri kunze kwechirongwa. Pane kudaro, kuwana ruzivo rwemari yako unogona kutarisa kuti uone kana chirongwa chako chinopa 401 (k) chirongwa chekwereti kana kubvumira dambudziko rinorega .
Kana iwe usisiri kushanda nekambani inotsigira 401 (k) chirongwa chako, iwe unokodzera kubhadhara mari yako. Iwe unogona kubuda muurongwa kana rollover yako 401 (k) urongwa huripo kusvika kune IRA .
Kana ukasarudza rollover mari yako pane kubuda kunze, saka haufaniri kubhadhara mitero kana mutero wemitero nokuti rollovers kune IRAs haisi kutengesa kutengesa kana iwe ukavaita nenzira yakarurama. Kuramba pamusoro pe 401 (k) kune imwe chirongwa hazvifungidziri kuirima.
Creditor Protection Yakarasika
Mari mune 401 (k) chirongwa ndechekuchengetedza chikwereti uye inodzivirirwa kubva kubhadhara. Ihwo upenzi kune mari mune 401 (k) urongwa hwokubhadhara pasi chikwereti kana zvichida unogona kugumisa kuisa pasi. Dare rekudarika haigoni kubata 401 (k) chirongwa nevatengi havagoni kuisa chikwata pamusoro pezvinhu zviri mu 401 (k) chirongwa chako uye haagoni kukumanikidza kubvisa mari iyi kubhadhara chikwereti. Iko mari yakachengetedzwa kuti ishandiswe mumakore ako ekurega basa.
Mitero Ichakweretwa
Kana iwe uine mari mu 401 (k) chirongwa chako uye iwe usati wasvika makore 59 1/2, iyo dollar inokutora iwe kubvisa ichava pasi pemitero inowanikwa pamutero uye 10% yemutero wemutero.
Kana iwe usati wava nemakore 59 1/2, zvinowanzodiwa kuti 20% inoregererwa kubva pane chero mari yaunenge uchibhadhara muhurumende yemitero, saka mari imwe neimwe yaunenge uine $ 1 000 iwe, iwe ungagamuchira madhora mazana 800.
Imwe $ 200 yaizoendeswa kune IRS. Pakupera kwegore, 401 (k) hurongwa huchakutumira fomu yefero inonzi 1099R iyo inoratidza kuti mari yakabhadhara inoregererwa iwe.
Paunotora mutero wako wekubhadhara, iwe unosanganisira huwandu hwe 401 (k) hurongwa hunopedzerwa semari inowanikwa, pamwe chete nemamwe magetsi ekuwana. Iyo inopinda mumutero wako wekubhadhara pajiji yekutanga uye zvichienderana nemari yako yose uye mari yakaderedzwa, iwe unogona kubhadhara mutero unowanikwa kana kuti kubhadharwa.
Matambudziko Ezera Rako
Kana iwe uri pakati pemakore makumi mashanu nemakumi mashanu nemakumi matatu nemakumi matatu nemakumi maviri nemashanu, iwe unogona kuvhara 10% mubhadharo wemutero kana iwe ukapedza basa risati rasvika kupfuura gore rawakasvitsa makore 55. Ndinodana izvi makore makumi mashanu 401 (k) kuregererwa kwekugovera .
Kana iwe uri pamusoro pemakore 59 1/2 chero mari yaunotora kubva kune yako 401 (k) hurongwa huchava pasi pemutero wemari, asi kwete mutero wemitero.
Ziva Nzira Yokubhadhara Pasi
Danho rekutanga nderekufonera nhamba yefoni inowanikwa pane yako 401 (k) chirongwa chemazano uye uvakumbire kuti vatumire mapepa aunofanira kuzadzisa kuti uwane mari iri kunze kwechirongwa. Mune zvimwe zviitiko, unogona kuita izvi paIndaneti kana pafoni, asi nguva yakawanda iwe unofanira kuzadza mapepa.
Dzimwe nguva chiratidzo chinobva kumunhu weHR kana chirongwa chekuchengetedza pahofisi yawakashanda nayo chichatsvaga.
Kana iwe wakashanda kwekambani duku iwe unogona kutora mapepa aya kwavari kana kuti utaure navo pachako kuti uite izvi zviitwe. Kana iwe wakashanda kune kambani huru iyi inowanzoshandiswa nekambani yekutsvaga iyo inopa kusarudzwa kwekutsvaga mukati me 401 (k) chirongwa.
Kuwana Mari Yako Inotora Nguva
Zvinowanzoita mavhiki mashoma kuti uwane mari yako mu 401 (k) chirongwa. Zvimwe zvirongwa zvemakambani mashomanana ane kodzero yekubvumira kugoverwa kamwe chete kwekota kana kamwe kamwe pagore. Pane 401 (k) rondedzero rondedzero rondedzero rugwaro ruchabudisa mitemo yeurongwa hwako. Urongwa hunofanira kutevera mitemo yawo pachayo.
Dzimwe nguva zvinogona kunzwa sokuti iwe waimbova mushandirwi ari kuita kuti zvive nyore kwauri kuti uwane mari yacho kubva kune yako 401 (k) hurongwa asi pane mitemo yakasimba iwe waunoshandira anofanira kutevera uye vanofanira kunge vane mapepa ose akakodzera kuti apiwe mari yako.