Kuisa mari kuburikidza nemakero ako 401 (k)

Mutungamiri weMutangisi weMhando dzakasiyana dze 401 (k) Zvirongwa

Kana iwe wakambozvibvunza iwe, " Chii chinonzi 401 (k) chirongwa? ", Mhinduro pfupi, iri nyore inowira kune iyi: A 401 (k) haisi iyo inotengeswa. Icho chinyorwa chebhuku rine zvikomborero zvinokubvumira kuvaka upfumi kuburikidza nekutsvaga mune zvinhu zvakadai sekubatana kwemari , mashizha , mari yekucherechedza , uye matongerwo emari ekutengesa dzimba . Kune mhando dzakasiyana-siyana dze1401 (k) zvirongwa, imwe neimwe ine zvakasiyana-siyana uye zvipingamupinyi zvinobva kumitero yebhadharo kudzivirira kubhadhara.

Iro 401 (k) Gadziriro ne403 (b) Ronga

Kana iwe ukashandira sangano rehurumende kana risingaiti purogiramu, haugoni kukodzera 401 (k) nhoroondo. Pane kudaro, unogona kuva nechimwe chinhu chinozivikanwa sa 403 (b) chirongwa. Kuti udzidze zvakawanda pamusoro peizvi, verenga Kuziva Yenyu 403 (b) Gadzirira .

Roth 401 (k) Urongwa - Hutsva Hutsva paClassic 401 (k)

Chimwe chezvinhu zvitsva zvinogadzirwa ndiRoth 401 (k). Rudzi urwu rwakakosha rwemakumi mana nemakumi mana (k) rine zvizhinji zvakafanana zveRoth IRA . Zvinoreva kuti iwe unopa mari kurongwa uye haunyore kunyora mupiro kubva pamitero asi iwe hauzombobhadhari peneni mumutero wemari kana mutero wemari inowanikwa pamari, kunyange kana ikakura kusvika makumi emamiriyoni emadhora panguva yaunotora basa! Mune tsika yemadzitateguru 401 (k), zvakasiyana, zvipo zvinowanikwa mutero, uye iwe unongobhadhara mitero apo mari yacho inodzingwa.

Bhizimisi Dhomanana 401 (k) - Ikusarudzwa Kwakakwana kune Munhu Akashanda

Kune vadzidzisi vemabhizimisi maduku kana avo vanozvishanda ivo pachavo, chisarudzo chikuru chingave chiri Self Selfyed 401 (k).

Imwe yerudzi rutsva rwekubvisa mari, rine zvinhu zvakawanda zvinogona kuita kuti zvive zvakakosha kune vadiki vhizimisi vezvebhizimisi kupfuura (ikozvino) inozivikanwa zvikuru SEP-IRA.

Kuderedza Dambudziko re 401 (k) Ronga Kuisa

Paunoshandisa nhamba ye 401 (k) nhoroondo, pane njodzi dzakawanda iwe unoda kuedza nekudzikisa.

Izvi zvinosanganisira:

• Kuisa mari muAkambani Yako Yevashandi : Unoziva sei kana wako mushandi ari McDonald's / Wal-Mart kana Enron / Worldcom? Vokutanga vaviri vakaita vashandi vavo vapfumi zvikuru, asi avo vekupedzisira vaviri vane ruzivo rwakakwana uye ruzere rupo.
• Dambudziko rekuisa mari yakawanda mu 401 (k) nhoroondo pane imwe nguva. Inogona kuderedzwa nemuitiro unonzi dollar unodhura kuwandisa .
• Rimwe remibvunzo inowanzobvunzwa ndeyokuti: Unofanira Kutora 401 (k) Kwereta? Mhinduro yacho inobva pane zvakasiyana-siyana mamiriro ezvinhu, uye kune zvipo uye njodzi.
• Imwe mubvunzo watinowanzogamuchira ndeyekuti iwe haufaniri kuramba uchipa zvikamu zvako 401 (k) nhoroondo yakabva pamakero ematengesi, tarisiro yebasa, kana chimwe chimwe chezvikonzero. Mune imwe nyaya inokosha, Usamborega Kugovera kune Wako 401 (k) , tinotsanangura kuti sei kufungidzira kungave iko kukanganisa kukuru.

Chii Chinoitika Kwangu 401 (k) Pandinosiya Basa Rangu?

Iwe une zvimwe zvingasarudzwa zve 401 (k) paunosiya basa. Iyo inonakidza kazhinji inowanzozivikanwa seR Rollover IRA inokubvumira iwe kutora mari yako 401 (k) uye inochengetedza iyo yakachengetedzwa mune imwe nhoroondo yakachengetedzwa. Kuti udzidze zvakawanda pamusoro pechinhu ichi chinokosha, verenga Kuziva Your Rollover IRA .