How To Rollover Your 401 (k)

Kana uri kuchinja mabasa, unofanirwa kusarudza zvauri kuzoita newe 401 (k) . Ichi chisarudzo chakakosha, uye iwe unofanirwa kuve nechokwadi kuti uri kuita chisarudzo chakanaka. Kana yako 401 (k) muyero uri pasi pe $ 1000.00, ipapo mushandirwi wako angangokutumirei cheki mumwedzi mishomanana. Kana uine $ 1000.01 kusvika $ 5000.00 mushandi wako anogona kupinda muIRA nokuda kwako. Izvi zvinoitika apo kambani haichadi kuti uve chikamu che 401 (k) chirongwa.

Kazhinji, kana iwe unodarika $ 5000.00, unogona kusiya 401 (k) kwaanoita. Iwe unogonawo kuva nechisarudzo chekudzora 401 yako yekare (k) mune imwe yako itsva.

Funga Nekunyorwa KweAkunti Unoda Kuzarura

Kutanga, unofanirwa kufunga nezvekusarudza kwako. Iwe unoda kuzviisa muIra yemaitiro kuitira kuti usatora mutero wekubhadhara unobatanidza neRoth IRA. Iwe unogona kusarudza pane yaunosarudza kuzarura account yako yeIRA. Iwe unogona kuzarura kuburikidza nebhangi, iyo inogona kuisa muCD (zvivigiso zvekuisa mari) kana iwe unogona kushandisa imba yekutsvaga uye uise muIRA inoshandisa mutual funds kuti ikure mari yako. Mabhanji anogona kupa hupfumi huripo maungasarudza IRA mutual fund, asi iyo mari haisi inshumo kuburikidza neDFIC. Kusarudza mutengo wemari kune njere mune makumi maviri nekuti mukana wekudzoka uri nani zvikuru.

Sarudza Imari Yakasimbiswa

Sarudza imwe kambani yaunoda kuisa yako IRA nayo.

Kana iwe uchitova nemarongerwo emari, unogona kuda kutaura naye nezvazvo. Kana iwe usina imwe, bvunza zvakapoteredza uye ugamuchire mazano. Iwe unogonawo kudana uye kubvunza nezvemashoko chaiwo, mari uye mitemo iyo ma firms akasiyana anopa pamwe chete neAI accounts. Tora nguva yekuwana zvakasimba kuti iwe wakasununguka kushandisa.

Sarudzai Imari Yaunoda Kuita

Iwe unofanirwa kusarudza mutual fund type yauchazoisa mune imwe. Dzimwe fikisi dzinogona kukubvumira kuita sarudzo imwechete yekutsvaga yawakanga uine 401 yako (k). Iwe unogona kuisa mari yakawanda muzvikwereti zvinoshungurudza, uyewo zvese zviri mune zvakachengeteka, zvishoma nezvishoma kudyara. Iwe unogona kutaura nemupi wezano wako nezvekuita izvi. Iwe unogona zvakare kutaurirana nemumiririri wekambani pane imwe yekambani yako yakasimba.

Pedzisa Paperwork Kuendesa Yako 401 (k)

Vhura account uye utumire mapepa kuitira kuti yako 401 (k) igoverwa. Iwe unofanirwa kuva nechokwadi chokuti IRA yako iri kuzadza mapepa uye oitumira kune waimbova mushandirwi achikumbira kuti mari yacho iendeswe kuIRA yako itsva. Ichi ndicho chinhu icho icho chakasimba chinofanira kukwanisa kukubatsira iwe.

Mazano:

1. Usaisa mari mu 401 yako (k). Izvo upenzi nokuti mari yako icharamba ichingokura kana iwe ukaisiya ikaiswa. Iwewo uchatongerwa kubhadhara mari yekutora uye kumitero kwekupedzisira kwegore. Mari yaunodhonza iyo ichakura zvakanyanya kana iwe uchisiya iga. Zvakafanana nokutora madhora mashanu zvino uye kurasikirwa $ 100.00 mumakore mashomanana.

2. Kana iwe uchiita mari iyo ikasarudze mari yemitero iye zvino. Iwe hausi kuda mutero mukuru wemutero wausina kugadzirira kuripa.

1. Iva nechokwadi cherollover kune imwe tsika yeIRA, kuitira kuti iwe usabhadhara mitero pakurega pakupera kwegore. Kana iwe ukasarudza rollover kupinda Roth IRA unotanga kutanga kutarisa mari kunze kwekubhadhara mitero pairi pakupera kwegore.

2. Tsvaga mugadziri wezvemari kana mutariri waunovimba kuti ataure pamusoro pekugadzirisa mari yako pamwe chete kana iwe uchiona ichivhiringidza. Iyi ndiyo mari yako uye iwe unofanirwa kunzwisisa zvauri kuisa mari yacho uye zvipingamupinyi zvinosangana nazvo.Ungavewo uchida kuongorora IRA inotungamirirwa .

3. Zvakakosha kuramba uchingobatsira pakuchengetedza mari yako kuitira kuti usafanirwa kubata pamipiro yekusunungurwa gare gare. Usashandise zvikonzero zvekupa mhosva yekudzikisa mitero yako yekubvisa mari , pane kuve nechokwadi kuti iwe unowanzopa rubatsiro rwekurega basa.