Inyaya Yei Retirement Rekodzero Inowanikwa MuPodfolio Yako?
Iwe unogona kunge wakanzwa nezveIRAs uye 401 (k) s asi ndeipi inofanira kuva chikamu chemari yako yemari? Ngationgororei mamwe mamiriro ezvinhu emari anogona kushanda kwamuri uye kuisa umwe neumwe muedzo.
Ndiri kugara-kumba-Mubereki
Nemhaka yokuti 401 (k) ibasa rekushandira mari rinotsigirwa nemabasa, unofanira kuva nebasa rokuzarura 401 (k) hurongwa. Pane 2 kunze kwechirevo ichi: Kutanga, iwe uri kuzvishanda. Kana iwe uine bhizinesi, iwe ndiwe unoshandira uye unogona kuisa solo 401 (k) inozvifukidza iwe pachako.
Chirongwa chacho chinogonawo kufukidza mumwe wako kana akawana mari kubva kubhizinesi.
Chechipiri, une 401 (k) kubva kune waimbova mushandirwi uye wakaramba uchingobatsira kuaka. Mushandi wekare haafaniri kufanana nemipiro zvakare asi vazhinji vachakubvumira kuti uchengetedze nhoroondo yakazaruka.
IRA inodawo kuwana mari. Kune nzira shomanana dzokupa nayo kunyange iwe usina basa:
- Kushandisa Zvisingawanikwi Stock Options: Izvi zvinorema semari inotengesa uye inokubvumira kuti uzarure IRA.
- Alimony Payments: Inotengesa semari inowanikwa mari.
- Scholarships and Fellowships: Kana iwe ukagamuchira fomu yeW2 kune idzi, inotora mari inowanikwa.
- Mhuri Yakabatana: Unogona kupa michero kune IRA inobva kune mari yawakaroorana nayo kana iwe uine zvishoma zvekuwana mari yako pachako asi zvipo hazvikwanise kudarika mari yakawanikwa yewakashanda naye.
Ndinoda Kuwana Mari Imba Usati Waenda Kubhadhara
Yose mitero-inobatsira mari yekurega mari yakagadzirirwa iwe kuti urege kuwana mari iyo usati wava nemakore 59 ½ asi kunze kwemamwe mamiriro ezvinhu.
Kufunga kuti iwe hauna kuwira kune chimwe chezvinhu izvozvi, nzira chete yekudzivisa mari yepamusoro ye 10% pamwe chete nemitero inowanikwa pamutero ndeyekutora chikwereti kubva kune yako 401 (k). Vashandi vako vachave nemimwe mitemo kana vachibvumira zvikwereti.
Chinhu chakafanana neRoth IRA. Nokuti iwe unobhadhara mitero pamari usati waipa, mari yako ndeyekuti uende chero nguva yaunoda pasina mvumo kana mutero.
Chero bedzi iwe uchangobva kubvisa zvipo uye kwete mari yaunoita, iwe unobvisa hauna mutero. Kana iwe ukabvisa mari yekutsvaga mari isati yasvika 59 ½, mitemo yose yekutanga yekuparadzira, kusanganisira 10 muzana chirango, ichashandiswa.
My Main Retirement Savings Account
Nhoroondo yako yekuchengetedza mari yakawanda inofanira kuva 401 (k) nekuda kwemiganhu yekutsvaga. IRA ine chikwereti chegore rose che $ 5,500 kana $ 6,500 kana iwe uri pamusoro pemakore makumi mashanu e 2018. Izvo hazvina kukwana kugadzira dendere rekurega basa mazai.
Muna 2018, unogona kupa mari yakawanda ye $ 18 500 kusvika kune 401 (k) kana $ 24,500 kana iwe uri kupfuura makore makumi mashanu. Kunyange zvazvo vanhu vakawanda vasingakwanisi kupa mari yakakwana, inokubvumira kupa muganhu unokuisa kusvika kusvika kusvika pane zvinangwa zvako zvekuchengetedza iwe uchikurumidza kutanga.
Ini Handidi Kubhadhara Mitero Kana Ndichibvisa Chikwereti
Kurapa kwemitero pakugoverwa kwemari hakusi mubvunzo wemhando ipi yekubvisa mari asi yakawanda yezvinhu zvinowanikwa kwauri. NeRoth IRA iwe unobhadhara mitero kana iwe uchipa iyo ku-akhawunti asi kwete apo iwe paunozobvisa mari yacho. Mamwe makambani anopa Roth 401 (k) zvakare iyo inoshanda nenzira imwecheteyo. Kana vasingakwanisi, iwe unogona kugovera kune yako 401 (k) kusvika kumakwikwi emakambani ozarura Roth IRA uye kugovera iyo iyoyo kusvika pahuwandu.
Ndinoda Kuunza Mari Yangu Nzira
Kana iwe uri muchengeti ane unyanzvi, zvichida haufariri kuti kambani yako 401 (k) inongokupa mari shoma ingasarudzwa kubva pakuenzaniswa nemaitiro anosingaperi asingagumi anouya neIRA. Mamwe makambani anopa sarudzo yekuzvidavirira kwechikamu chemazana avo 401 (k). Mukudaro, iwe unogona kuisa mari iyo mune chero chaunoda iwe zvichienderana nemitemo yako.
Ini Handizivi Zvakawanda Nekutsvaga Mari
Muchiitiko ichi, iwe uchada 401 (k). Neine mamiriyoni mashomanana emari ekusarudza kubva, iyo nhoroondo iri nyore kuisa. Vashandi vakawanda vanorongawo kuti mupi wezano wekubatsira vashandi kusarudza mari yakakodzera yekambani yavo.
Kana iwe usina ruzivo rwakanyanya ruzivo, tora nguva yekudzidza zvidzidzo. Hapana ane hanya nemari yako kupfuura iwe iwe saka unofanira kuita zvisarudzo zvinokosha pamusoro pokuti mari yako inotarisirwa sei.
Kuchenjera kutsvaka mazano kune unyanzvi wezvemari asi mazano ekupedzisira achawira pauri.
Ndinoda Kambani Yangu Kufananidza Mipiro Yangu
Kufanirwa kwevashandi ichinhu chinokosha che 401 (k). Mazwi emutambo anoenderana nemushandirwi asi mune zvese mamiriro ezvinhu, kufanana kunowanikwa mune 401 (k).
Kunyange zvazvo zvisingawanzoitiki, vamwe vashandi vaduku vanogona kuenzanisa zvipo kumunhu wemuRoth wega wega kana kuti Traditional IRA. Nemhaka yokuti 401 (k) s inodhura kune mushandi wekugadzirisa, iyi inogona kuva inodhura-yakawanda nenzira asi ine gore rakaderera rakakwana, mushandi anoda 401 (k) kuti asvike pazvinangwa zvekurega basa. IRA chete inokwana.
Ndinoda kuti Auntie ienderere Kune Wawakaroorana Naye Kana Ndichipfuura
Kugadzira Imbayo chinhu chakakomba chinowanzoda rubatsiro rwemugweta asi mune dzimwe nyika, mabhadharo ako epamberi achaenda kune mumwe wako. Zvisinei, nhoroondo imwe neimwe yezvemari inokumbira iwe kuti utumidze mubhadhari. Iva nechokwadi chekuti wakaita izvozvo kuti udzivise chero matambudziko. Chinonyanya kukosha ndechokuti iwe nemumwe wako muve nekunzwisisa kurapwa kwemutero kweakaverengi akabatanidzwa. Vakawanda vanoramba vari vapenyu vacharamba vachizviisa muIra yavo pachavo kana 401 (k) kuita mimwe mitero inokweretwa inoderedzwa kusvika vatanga kutora kugoverwa.
Chenjerera. 401 (k) s kazhinji hazviuye nemitemo yakawanda kana iwe uchizopfuura. Muzviitiko zvakawanda, mari yacho inobhadharwa mune rimwe rega yemari kune waunowana. Verenga uye uve neruzivo rwezvaunogona kuwanikwa kwauri asi utsvake rubatsiro kubva kune unyanzvi ane ruzivo rwezvinhu zvose zvekugara kwemari.
Ndine Mari Yakawanda Yokushandisa
Kana iwe uine kero 1 chete, iwe unoda 401 (k) kubva pamiganhu yegore negore inowanikwa katatu kanopfuura yeIRA. Zvisinei, nokuda kwekusiyana-siyana, zvingava zvakanakisisa kuva neIRA uye 401 (k). Net net yepamusoro yevanhu vanoda rubatsiro rwemupi wezano wezvemari rinodyara nenzira yakakodzera apo iri kuita seyokodzero yakawanda sezvinobvira.
Ini Handidi Mushandirwi Wangu Kuti Atarisire Aunti
Muzviitiko zvose, mushandirwi haavi nekutonga pamusoro pekombi yako. Kunyange zvazvo 401 (k) chirongwa chebashandi-chinotsigirwa, iwe uchagadzira iyo nhoroondo kuburikidza nekambani yekunze. Kana iwe ukasiya mushandi wako wemazuva ano, 401 (k) inofamba newe. Havazofananidzi zvipo zvenyu zvakare asi iyo nhoroondo ndeyako.
IRA inhoroondo yakasimwa newe uye haisanganidzi kambani yako. Muzviitiko zvisingaiti vanogona kugovera kuti vabatsire kuIRA asi havana simba pamusoro pebhuku.
Hazvina basa kuti ndeupi rudzi rwemabhadharo aunosarudza. Ndizvo zvako uye wako waunoshandira haakwanisi kudzora mari.
Ndechipi Chandinofanira Kusarudza?
Zvichida mutsauko wakakosha pakati pezvinyorwa zviviri ndiwo mazana emakore. Iwe haugoni kuumba kambani yakakura yekubvisa mari neIRA chete. Iwe unoda chikamu chakakwirira chemupiro we 401 (k) kuti uzviise iwe nemhuri yako kuti ubudirire. Zvisinei, IRA pamwe chete ne401 (k) inogadzira nzira dzakasiyana-siyana uye dzimwe sarudzo dzekutsvaga. Kuva nenyaya mbiri mbiri inoita kuti uve nemafungiro akawanda emari.