Iko 5 Inonyanya kukosha 401 (k) Mitemo Inofanira Kuziva

Zvimwe zvinyorwa zve 401 (k) kuisa mari yekurega basa

Kana iwe uri mutsva pakuisa mari yako mu 401 (k) chirongwa, pane zvishoma zvinyorwa zvinokosha zvaunofanira kunzwisisa. Nokudzidza zvinyorwa zve 401 (k) nhoroondo, kuti inoshanda sei, uye kuti iwe une sei mukana wekuita mari kubva pakuisa mari mukati mayo, unomira mukana wakanaka wekuita zvisarudzo zvinogona kukubatsira iwe kubvisa pfuma zvakachengeteka.

Iko 401 (k) Kuenzanisa

Iko 401 (k) kuenzanirana nehuwandu ndiyo mubhadharo waunoshandira wako achaenzanisa nemipiro yako.

Mumwe mushandi anokwana dollar-for-dollar, kana kuti 100%, angapa $ 1.00 kune 401 (k) ye $ 1.00 yose yawakachengetedza, pakarepo kuwedzera mari yaunofanira kuisa. Kana wawakashandira akashandisa $ 0.50 pamadhora kana 50%, iwe waizoona imwe $ 0.50 yakawedzerwa mu 401 yako (k) ye $ 1.00 yose yawakachengetedza kuburikidza nekambani.

Iro 401 (k) Kuenzanirana kuenzaniswa

Makambani anoziva kuti 401 (k) kuenzanidza chinhu chikuru. Vanozviita kuti vabatsire vashandi vavo kuti vashandise mari yekurasira uye kubatsira kubatsira vataridzi vane tarenda nevatariri. Asi kunyanya makambani ose anopa muganhu pahuwandu hwemari yako iwe unogona kupa chikamu che 401 (k) chirongwa uye kugamuchira mari yakaenzana.

Chimwe chikamu chinowirirana chekubhadhara mari ye 401 (k) nhoroondo dzinoita se 3% yemari. Mamwe makambani anoenda 8% emisha. Zvinonyatsoenderana nemirairo yekusimudza mari. Kuenzanisira: Kana wakagamuchira $ 50,000 pagore uye kambani yako yakaenzanidza 401 (k) mipiro pa 100% kubva kune 3% yebhadharo, iwe unogamuchira $ 1 ye $ 1 yose yawakachengetwa ye $ 1,500 yekutanga yawakaisa mu 401 (k ) nhoroondo ($ 50,000 x 3% = $ 1,500 mimwe mitambo).

Mari yekuwedzera yakapiwa pamusoro pekufananidza chikumbaridzo uye pasi pe 401 (k) muganhu wekubatsira haungagamuchiri chero kuenzaniswa kubva kumushandi wako.

401 (k) Mupiro Muganhu

Congress inoda kuti iwe uchengetedze kubhadhara, asi vanoisa miganhu pamusoro pemari yaunogona kugara mune 401 (k) nhoroondo kuburikidza nekugadzira zvinonzi 401 (k) miganhu yemipiro .

Izvi zvinowanzochinja kubva gore negore zvichienderana nehuwandu hwekuwedzera .

401 (k) Kudzingwa kwemitero

Kana iwe ukapa mari kune yako 401 (k), IRS inobata mupiro semutengo wokubhadhara mutero kuitira kuti iwe usabhadhara chikwereti kana mitero yemari pairi. Ndiko kana iwe ukasara $ 5,000 kuburikidza ne 401 (k) account, uye iwe wakange uine $ 50,000 muhupfumi, iwe uchaona $ 5,000 kutengesa mutero, uchideredza mari yako yakagadziriswa yakawana $ 45,000. Haisi nguva dzose iri nyore, asi kune chikamu chikuru, iyi ndiyo iyo inoshanda kana iwe uri muvhareji mushandi.

Izvi zvinoreva kuti 401 (k) zvipo zvinobatsira zvikuru apo iwe unoita nzira yako kupinda mabheji epamusoro emitero. Kana iwe newawakaroorana naye mune mubatanidzwa we 25% mutero webhasi uye iwe paunonyora pamwe chete, $ 5,000 401 (k) mupiro inoderedza Federal Federal Bill ye $ 1,250 ($ 5,000 mupiro x 25% mutero bracket = $ 1,250 mutero wakabviswa).

401 (k) Matambudziko Kubviswa

Mune zvimwe zviitiko, zvinoita kutora chikwereti chinokurumidza kubva kune yako 401 (k) chirongwa. Izvi zvinozivikanwa se 401 (k) kuoma kwemari chikwereti uye iwe unofanira kuchibhadhara zvakare kana kutarisana nemitero yakakura uye mitero yemitero.