Nzira Nekuda Kwekubvisa Mari Inobva Kune Yako 401 (k)
Nenzira yakawanda, hurumende yekugadzirira basa inoramba iri pasi munyika yose. The Center for Retirement Research muBoston College yakawana kuti 52 muzana yevanhu vanogadzirira kubhadhara mari yavo vakanga vari pangozi yekukwanisa kukwanisa kuita zvinangwa zvehupenyu hwavo. Ndicho chikonzero mantra kune ani zvake anoda kuwona ruzivo rwokuzvimiririra mune zvemari gare gare muupenyu huzhinji " ponesa, ponesa, ponesa "!
Asi chii chinoitika kana iwe uchinzwa chido chekuwana zvimwe zvekuregera mari yako kuburikidza ne 401 (k) chikwereti ?
Kana uri kuedza kuenzanisa kudiwa kwekubhadhara mari yako yemazuva ano nechishuwo chekuchengetera remangwana, inogona kunzwa sokuti kuisa mberi kwekuchengeta kuchengetedza kana kubhadhara chikwereti chinhu chakakosha. Zvakatengeswa 401 (k) kuenzanisira ndeyemari yako, uye inogona kuoneka yakaoma kuwana mari yako yekuchengetedza mari kuburikidza ne 401 (k) chikwereti kubhadhara chikwereti, kutenga imba, kana kubhadhara "upenyu hunoitika" nguva. Maererano neHarare Employee Benefit Research Institute (EBRI) 20 muzana yevashandi vose vanoita basa rekushandira mari avo vaikodzera 401 (k) zvikwereti zvaive nezvikwereti zvakanyanya kune 401 (k) zvirongwa zvekugadzirira pakupera kwa2014.
Kunyange zvazvo 401 (k) zvikwereti zvingaratidzika sechinhu chakanaka chokutendeukira kune dzimwe nzira dzisiripo, iwe unofanira kungoshandisa imwe sekupedzisira kushandura. Kana hurongwa hwako hwekugara huripo huchipa zvikwereti, huwandu hwemari iyo IRS inokubvumira kukwereta ndeye 50% yemari yako yakachengetedzwa , kana $ 50,000, chero zvishoma.
Chisarudzo chekutora chikamu chekukweretesa (k) chikwereti chinogona kuva nemigumisiro inokosha mune ramangwana rako rekusiya basa chikafu. Saka zvakakosha kuziva zvibatsiro uye kukanganisa kunobatanidza ne 401 (k) chikwereti.
Heano zvimwe zvezvakanaka zvaunofunga kuti:
Iwe hausi kuda cheko chekwereti. 401 (k) zvikwereti zvinotorwa zvichienderana nenhare yako yakawanikwa yakawanikwa.
Iwe haufaniri kuvimba nenyaya yako yechikwereti kuti uwane akakodzera. Izvi zvinoita kuti zvive nyore kwauri kuti uwane mari yako pasina zvinonetsa nezvekuregwa chikwereti nekuda kwechikwereti chakaipa kana nhoroondo yemari yechikwereti.
Nharaunda yako yemari inowanzopfuura pane zvauchawana nemamwe makweretheni ako uye akawanda makadhi emakadhi. Yakawanda 401 (k) zvikwereti zvine mari shoma uye inowanzobatanidzwa neWall Street Journal prime rate (3.5% kubva munaJuly 2016). Kana iwe ukaisa chidimbu chechikwereti chidimbu kune rumwe rutivi nemavhareji kadhi rechikwereti chido chekukomberedza inenge 15% iwe unogona kuona zvakaderera mari yekukwereta. Imwe rubatsiro ndeyekuti iwe uri kubhadhara chikwereti kwauri uye iyo inokwereti inodzokera zvakare mu akaunti yako pachayo.
Mari yako yekukwereta haisi pasi pemitero yemari (kunze kwekuti iwe usingadzose chikwereti). Iwe haufaniri kubhadhara chero mimwe mitero yemitero yekutora 401 (k) chikwereti. Izvi ndezvokuti 401 (k) zvikwereti hazvifungidziri kutengesa kubhadhara. Izvi zvinowanzova humwe huri nani huri nani kutora matambudziko ekuregererwa kubva kune 401 (k). Dambudziko rinorega kubhadharwa pamitero yako yemari yemitero uye nemamwe mashomanana anowanikwawo pamwe chete nedzimwe chirango che10% kana uri pasi pemakore 59 ½.
Heano mamwe ematambudziko e 401 (k) chikwereti chokufunga nezvazvo:
Ikoko kune ngozi inogona kuitika kuti ramangwana rekuwana kuwedzera pamari yekurasikirwa icharasikirwa. 401 (k) zvikwereti zvakave zvakavanzika pasi pemutengo wemukana. Ndicho chikonzero iwe unofanirwa kugara uchitarisa pamusoro pezvenguva refu zvinokonzerwa ne 401 (k) chisarudzo chechikwereti. Vakawanda 401 (k) chikwereti vane makore mashanu asi vamwe vane mitero yekubhadhara chikwereti inosvika makore gumi nemashanu. Kubvira kwekutsvaga kwekutsvaga muhutano hweUnited States kwave kuchiva kwakanaka pakupedza makore mashanu emakore. Semuenzaniso, maererano neshoko iri kubva kuBrimentment S & P 500 ine zororo rakanaka 87,4% yenguva pane makore mashanu emakore kubva muna 1928 kusvika muna 2014 ( hint: iyo 21,502 inogona kubata nguva).
Iwe unofanirwa kuona nguva dzose kuti haisi iyo pfungwa yakanaka yekutarisa mukati mekuona mairi miriramiro pazvinosvika pakukosha kwezvisarudzo zvemari.
Uyewo, chengetedza mupfungwa kuti mukana wekushaiwa kwekutsvaga kwekutsvaga mari inenge isinganyanyi kunetseka apo chikwereti chako chechikwereti hachisi chikamu chakanaka chemari yako yekushambadzira kana kana iwe uri mubhadhari anochengetedza.
Vako 401 (k) mari yekutora chikwereti inodururwa zvakananga kunze kwebhadharo yako sekutevedza kwemutero. Izvo zvakaitwa pakuita 401 (k) mari yekubhadhara chikwereti kuburikidza nekubhadharwa kwemitero inowanzoonekwa sechinhu chinonakidza. Zvisinei, zvikwereti zvinowedzera zvichava nemigumisiro yekubhadhara pamusha kwako uye inoda kuiswa mubhadharo yako yakadzokororwa. Dzimwe nguva kubhadhara kwekuwedzera kunokwidza vanhu kuderedza zvipo zvavo kune 401 (k) hurongwa uye izvi zvinogona kukonzera kushayikwa kumushandisi wemashandi uye chirongwa chepasi chekurega basa chinoenzanisa nenguva. Kuchinja kumabhadharo ako ekubhadhara iwe kunofanira kukurudzira kuongorora kwepfungwa yako chirongwa chako chekushandisa kushandisa mari yekuita kuti uve nechokwadi chokuti wakagadzirirwa kuchinja kwebhadharo mberi kwenguva. Iwe hausi kuti mari yekubhadhara chikwereti kuti zvive zvakaoma kwauri kubhadhara mari yako yezuva rega rehupenyu kana zvimwe zvikwereti zvemhosva zvakadai sekubhadhara chikwereti kana mvumo yemotokari.
Wako 401 (k) chikwereti chinogona kuva musoro wemutero weramangwana. Iwe unogona kuguma uchibhadhara mitero uye zvikwereti kana iwe ukasiya waunoshandira uye iwe usina kutora chikwereti. Ichi ndicho chiitiko chinonyanya kukosha chokutora 401 (k) chirongwa chemari. Shenjerera kana pane chero mukana wekuti iwe uchine chikwereti chemari kana iwe uchisiya basa rako. Muzviitiko zvizhinji, chikwereti chakakosha chekwereti chausina kuripa mukati mememazuva makumi matanhatu chinonzi kubvisa uye zvichienderana nemitero uye zvichida chirango che10% kana uri pasi pezera remakore makumi matanhatu nemashanu.
Vamwe vashandi havakudi kuti iwe uwane chikwereti 401 (k) chikwereti mukati mewindo rezuva rema 60 kana iwe ukaiswa pasi kana kuti usati wambotora chikwereti ichiripo. Saka iva nechokwadi chekutarisa neH HR yako kana iwe usina chokwadi pamusoro pemitemo yeurongwa hwako. Kunyange kana 401 (k) chirongwa chekubhadhara chikwereti chinowanika mushure mokusiya basa rako iwe ucharamba uchingoramba uripo nemari yekubhadhara chikwereti kuti urege kubhadhara kutengesa. Kana iwe ukarasikirwa nehutano hwekubhadhara mari yebhadharo yemari yekubhadhara chikwereti kuramba uripo haisi nyore.
Kana iwe usingakwanisi kudzivisa muedzo wekutakura chikwereti pane yako kadhi rechikwereti unogona kuguma uine chikwereti chikuru. Vazhinji vanoronga mari vanonyevera vanhu pamusoro pezvingangoita nengozi dze 401 (k) zvikwereti pavanenge vachishandiswa sekugadzirisa nokukurumidza kwekutarisira mari yakawanda kana matambudziko emakwereti. Ndakaona nenzira inowanzotambudza vanhu vanotsungirira apo kadhi ravo rechikwereti uye nenyaya dzekwereti yevatengi zvinowanzowedzerwa nematambudziko emari ekuwana mari nekuda kwekuregererwa kwekwereti 401 (k) chikwereti. Ndakatarisawo vanhu kugadzira hurongwa hunobudirira hwokushandisa mari yavo yekurasikirwa mari yekubhadhara kukwereta chikwereti chinorasikirwa nekutsvaga uye kuguma neine chikwereti chakawanda kudarika pavakatanga nekuda kwekukwereta kwekadhi rechikwereti uye zvimwe zvikwereti zvemari.
Is 401 (k) chikwereti pfungwa yakanaka here iwe?
Chinokosha iwe unogona kunge uchida kuvimba zvikuru nemari yako pachako kuti uwane hurumende yekuzvimirira panguva yekurega basa. Muzviitiko zvakawanda iwe unofanirwa kudzivisa kudiwa kwekuvhara muupfumi hwako hwekusarirwa nekuda kwezvose zvakavanzika pasi pemakore 401 (k) chikwereti. Izvo zvataurwa, kune dzimwe nzira dzakakosha dzokubatanidza 401 (k) chikwereti muurongwa hwehupenyu hwako. Pasinei nesarudzo yaunosarudza, funga nezvezvakanaka uye unyatsotarisa uye uite chisarudzo chakatarwa chisingatauri zvirongwa zvako zvekurega basa mumatambudziko.