Zera 55 Kuwanika Kunogona Kuitika, uye Kunyange paAri 50 yevamwe Vashandi
Izvo zvinoenderana nokuti iwe uchiri kushanda kune kambani iyo 401 yako (k) chirongwa chiripo; kana iwe usisiri kushanda kwekambani iyo, zvino zvichienderana nemakore awakave nawo pawakasiya basa ipapo. Ndinovhara mamiriro ezvinhu akasiyana-siyana pasi apa.
Achiri kushanda kwekambani
Vakawanda 401 (k) zvirongwa hazvibvumi "kutora nguva dzose" pazera remakore 55 uchiri kushanda kwekambani.
Nokugara nguva dzose , ndinoreva kubvisa izvo zvisiri pasi pezvikwereti uye hazvidi kuti iwe uwane zvinoenderana nemamiriro ezvinhu chaiwo.
Panzvimbo yekusiya nguva dzose, iwe unogona kutora chikwereti 401 (k) chikwereti , kana kukodzera kubhadhara kunetseka - kana yako 401 (k) hurongwa inobvumira izvi zvingasarudzwa. Haasi vose 401 (k) zvirongwa zvinotarisirwa kupa zvikwereti kana kushungurudzika kubvisa.
Iwe unogonawo kutarisa neurongwa wehurongwa wako kuti uone kana vane urongwa hunokosha hunobvumira chimwe chinhu chinonzi kushandiswa kwe -kushanda .
Kwete kwenguva refu Kubata Kambani
Kana iwe uchida kutora mari kubva kune imwe yekare 401 (k) hurongwa - kureva chirongwa kubva kune waanoshandira wausisiri kushandira - mitemo yakasiyana zvishoma.
Kana iwe wakasiya mushandi wako wekare munguva kana shure kwegore iwe wakasvika kune makore makumi mashanu; ipapo iwe unogona kutora kubvisa kubva pane 401 (k) chirongwa. Iyi kubvisa huchaonekwa sekubhadharwa mari, asi hazvizovi pasi pekutora kwekutanga kutengesa mutero.
Inoshanda kunyange kana iwe usati wava nemakore 59 ½. Inoshanda kana iwe wakasiya mari yako mu 401 (k) hurongwa. Kune vashandi vanochengeteka munharaunda ino urongwa hunoshanda pazera remakore makumi mashanu, pane makore 55. Ona Misoro yeRIS Retirement paZvitsauko Zvokutanga, uye pfuurira pasi kusvika kuZviparadzanisa fomu Service Service uye nemashoko ekutanga pane pasi kuti uonekwe.
Kana iwe wakazora 401 yako yekare (k) uronga kune IRA, iyi yekutanga-kugadziriswa kwekubatsira hakuiti. Kana iwe ukatora nguva dzose kubva kuIRA usati wava nemakore 59 ½, zvinotarisirwa kumitero yemari pamwe chete nekambomira kutora mutero wechibharo.
Zvakadini Kana Iwe Uchibvumira Kare Wakashanda Usati Watana 55?
Kana iwe wakasiya mushandirwi wako wekare musati wasvika gore, wakava nemakore makumi mashanu (makumi mashanu nemakumi mashanu evashandi vekuchengetedzwa kwevanhu sezvinotsanangurwa ne IRS), asi zvino mava nemakore anopfuura makumi mashanu, musuruvara, makore anopfuura 55 ekuregererwa kwekuregererwa haashandi. Chero chipi zvacho chekuregera iwe unotora chichava pasi pemutero wechibharo kunze kwekuti iwe ukwanise kupeta yako 401 (k) urongwa kune IRA uye unokodzera kusarudzwa kune chirango.
Kuronga Mikana
401 (k) mari inokweretwa chikwereti. Iwe uchatadza kudzivirirwa uku nekukanda mune 401 (k) hurongwa pakutanga . Kana iwe uri mune dambudziko rezvemari, kuisa mari mu 401 (k) chirongwa pakutanga kungangove chinhu chakaipisisa chaunofanira kuita.
Kana iwe uchiri kurega kutangisa (usati wava nemakore makumi matanhatu nemakumi matanhatu), pane dzimwe nguva, zvinogona kuva nekunzwisisa kusiya mari mune 401 (k) chirongwa kusvikira iwe uchisvika makore makumi mashanu nemashanu. Nenzira iyi, unogona kutora zvisizvo kana uchida.
Kana iwe ukakwanisa kupedza basa pazera remakore makumi mashanu, zvingava zvine musoro kumirira kusvika gore raunosvika makore makumi mashanu. Izvi ndizvo zvaunogona kuwana zvakanyanya kune yako 401 (k) mari uye inogona kutora zvisizvo zvisingakanganisi mutero wekurasikirwa kwekutanga.
Inhaka 401 (k) s
Kana iwe uri mubhadharo uye uine nhaka, 401 (k) uronga mitemo iri pamusoro haisashandisi. Mitemo inoshanda kwauri inobva pane iwe kana iwe uri wawakaroorana naye, kana kuti kwete wawakaroorana naye, uye nguva yekufa kwe 401 (k) muridzi.