Tsvaga Ndiani Anokodzera Kutora Mutongo-Usina 401k kana IRA Kubhadhara
Kana iwe uine kambani yekubvisa mari (IRA), 401 (k) urongwa kana imwe chirongwa chekurega basa, iwe unogona kunge uchiziva nezvezvikwereti zvinowanikwa kana iwe ukabvisa mari yako (inozivikanwawo sekutora kugovera kwekutanga) usati wava kusvika kumakore 59 1 / 2. Tora mari yacho nokukurumidza uye iwe uchabhadhara mari ye10% pamwe nezvose zvinoshandiswa nehurumende, mamiriro ehurumende nemunharaunda. I IRS inoita izvi kuvhiringidza vanhu kuti vasashandise basa rekurega basa pane chero chinhu kunze kwekurega basa, asi pane dzimwe nguva umo chirango che10% chinodzingwa kune vanhu kana vakaroorana vanofanirwa.
Kunzwisisa izvo aya IRA anotanga kubvisa chirango chezvikwereti uye sei kuti uwane imwe.
Rufu : Ndine urombo, ini ndanga ndisingarevi kutanga zvinhu kunze kwechinyorwa chinyorwa. Asi ndezvechokwadi kuti kana iwe ukapfuura usati watora nguva yekurega basa, kuparidzirwa kune vako vanobatsirwa kubva kubasa rako rekurega basa haisi pasi pebhadharo ye 10%.
Kuremara kwekusingaperi : Kana iwe ukaremara uye usingakwanisi kushanda, unogona kusvika kugovera yako IRA kushanyira pasina kubhadhara chirango che10%. Iwe uchada uchapupu hunobva kunechiremba unopupura kuti iwe uri mumuviri kana mupfungwa haugoni kuita basa rinobudirira.
Kunyanyisa mari yezvokurapa : Kana uri kubhadhara mari inopfuura 10% yemari yako yakashandurwa yakawanda yemari yekurapa, unogona kukwanisa kuwana IRA yako pasina chirango. Ingoyeuka kuti uchengete risiti yako. Saizvozvowo, kana ukarashikirwa nebasa rako uye uri pausina basa kunze kwehutano inshuwarisi kwevhiki dzinopfuura 12 dzinopfurikidza, unogona kushandisa kugoverwa kubhadhara inshuwarhu yehutano pasina chirango.
Dzidzo yekubhadhara mari : Kana ukashandisa mari yako yekubhadhara mari yekudzidzira (kusanganisira nzvimbo, bhodhi, mabhuku, nezvimwewo) iwe, mudzimai, vana kana vazukuru, kuparadzirwa hakusi pasi pekutongwa kwe10%.
Kutenga musha wokutanga : Unogona kushandisa kusvika ku $ 10 000 kubva kuIRA pamunhu usina mhosva yekutenga imba yako yekutanga.
Iwe unofanira kupedza mari mukati memazuva ekutanga makumi maviri ekupararira kweurongwa kana kuti iwe unofanira kuisa mari yacho zvakare muchirongwa chako chekudzivirira chirango.
Annuity zvikwereti : Unogona kusarudza kuva negore rekubhadhara mutsara wekugoverwa kwenguva. Zvakaoma, uye iwe unofanirwa kuzviwana zvakakodzera kuti ukwanise kubhadhara. Saka taura neurongwa mutungamiri kana mutero wekwereti usati wasarudza sarudzo iyi.
IRS zvikwereti : Inofadza zvakakwana, kana iwe unokwereta IRS kudzorera mitero, unogona kuwana rusununguko rusina hurongwa hweIRA mari yekuripa. Hei, zvingava zvingasarudzwa.
Masoja reservist kugovera : Vanhu vanodanwa kushanda remauto kwemazuva anopfuura 120 mushure meSeptember 11, 2001 vanowana rusununguko rwakakosha kubva kuIRA kutanga kutora chirango.
Rollover : Zvechokwadi, kana iwe rollover IRA kana 401 (k) mune imwe chirongwa chekubvisa basa, haisi chikwereti chisingabhadharwi uye hapana chirango chakawedzerwa kana. Asi iwe unofanirwa kupa mupiro kuRRA rollover mukati mazuva makumi matanhatu ekugamuchira kugadzirwa.
Nokuda kwekugadzirisa basa rekurega basa kunze kweIRAs, pane zvimwe zvingabhadharwa:
Kusiya basa pazera remakore makumi mashanu kana kupfuura : Kugoverwa kubva kumushandi wako kana ukasiya basa kana zvichiitika kana gore rapfuura iwe unosvika 55. Kana uri wevanhu vanochengeteka munharaunda yehurumende kana yehurumende, izvi zvinoitika panguva kana mushure megore iwe unenge wava nemakore makumi mashanu.
Kurambana : Kugoverwa kwakaitwa neQDRO kana Dhipatimendi Dzakanaka Dzimba, iyo inoshandiswa kuparadzanisa mari yekurasikirwa mukurambana.
ESOPs : Kugoverwa kwezvikwereti muHashandi VeMugove Wematoro .
Action Steps
Wana mazano emhizha. Kana uri kufunga nezvekuregererwa kweIRA mune chimwe chezviitiko zvakataurwa pamusoro apa, taura neurongwa wehurumende kana kutsvaga mazano ezvesayenzi kubva kune mumwe mutori wezvemari kana mutungamiri wemitero usati waita chero chinotama. Iwe unoda kutevera mitemo yese inoshanda kuti usapinda chirango che10%.
Ongorora zvimwe zviwanikwa zvemari. Kana iwe usingakodzeri chero chezvinhu zvataurwa pamusoro apa kubvisa chirango iwe unofanirwa kutarisa mamwe mavhesi emari yako yemari. Iwe unogonawo kuongorora kana kuvhara mari kana kushandisa chikwereti chisarudzo chakanaka chingazoguma chisina mari shoma kudarika kusarudzwa kwekambani yekurega.
Funga kubvisa mitero kubva pakubvisa. Usatora mikana ipi yekugumburwa nechirango chekubhadhara chikwereti kana kuti uite mimwe mitero yebhadharo paunotora mitero yako.
Kana iwe uchida kudzidza zvakawanda pamusoro peIRA uye 401 (k) kubvisa mitemo unogona kuziva kuti ungatora sei mari kubva kune aya maakaiti asati, panguva, uye mushure mekurega basa uchishandisa murayiridzo unobatsira: Mitemo yekuregererwa ye 401 (k) zvirongwa uye IRAs
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.