Kubatsirwa kwe 401 (k)
Kutanga, zvakakosha kuziva kuti 401 (k) inotakura zvakakosha kune vashandi, kureva:
- Mutero wemutero
- Employeri akaenzana
- Automated investing
"Mutero wekubhadhara mutero" unoreva kuti mari yaunoshandisa mu 401 (k) nhoroondo yako haibhadharwi mari vasati vapinda. Pane kudaro, iwe unogona kuisa mutero usingabhadharwi, tarisa mari yako inokura kupfuura iyo yebasa rako, uye chete kubhadhara mitero paunodzinga paunenge uchirega basa. Iwe unogona kuva nemari yakaderera panguva iyo, uye naizvozvo inotsika mutero wepamusoro, mukutora basa.
Mushandi akaenzana ndechimwe chikomborero chikuru. Kunyange zvazvo usingadiwi nemutemo, vashandi vakawanda vanosarudza kuenzanisa zvipo zvako kusvika pane imwe chikamu chemari yako yegore negore. Munguva yangu yapfuura, ndakagamuchira mushandirwo anofananidzwa neanenge akakomberedza 3 muzana kusvika 4 muzana yemutengo wangu mukuru, asi kufanana kusvika kusvika pa6 muzana hakusi kunzwika.
Pakupedzisira, nokuti zvipo zvako zvakabviswa kubva pamari yako, 401 (k) mari yako yakachengetedzwa zvachose. Izvi zvingave zvakakosha zvikuru kune vose, sezvo zvinokuratidza kuti iwe pachako uchachengetedza uye iwe uchatora mari yekurega basa.
Mabhei maviri e 401 (k) Mari
Nezvose zvakataurwa, iyo huru yekukanganiswa ndiyo mari yaunofanira kubhadhara.
Yako 401 (k) nhoroondo inogona kunge inotungamirirwa nekambani yakakura yekuchengetwa kwemari kana bhangi sa Wells Fargo, Fidelity, kana Vanguard. Aya makambani haatauri 401 (k) kutungamira kunze kwekunaka kwemwoyo yavo - vanozviita kuti vawane purofiti.
Izvi zvingava mari yakazara, kana zvichienderana nehuwandu hwekukosha kwebhuku rako. Somuenzaniso, iwe unogona kubhadhara 0.5 kubva muzana, 1 muzana, kana 2 muzana gore negore, iyo inotsvaga kubviswa kubva ku-akhawunti yako kuitira kuti usatomboona. Kunze kwekuti iwe uverenge chirevo chako, iwe unogona kunge wakaita 71 kubva muzana yevaya vakasarudzwa neAARP vasina kufunga kuti vakayirwa mari zvachose.
Zvadaro, iwe unokweretwa mari nezvikwereti zvakasarudzwa zvaunosarudza 401 (k) account. Kana iwe uine ruzivo rwekubhadhara mari yakaderera kubva kuvanhu vanoita saVanguard, unogona kubhadhara mari shoma shoma, zvishoma kana04 muzana. Panzvimbo yakakwirira, zvisinei, iwe unogona kuwana mari iyo inodhura inopfuura 2 muzana. Kunyange zvazvo chikamu che195 muzana chinogona kunge chisingafungi sezvakawanda, musiyano uri $ 1,950 pagore pane $ 100,000 account. Kwemakore anoverengeka, izvozvo zvinogona kutora makumi makumi makumi matatu kana zvisi mazana ezviuru zvemadhora mukuwana kwekutsvaga.
Pakati pevaviri, iwe unorohwa nekaviri kaviri yemari. Maererano nekuongorora kwegore ra2015 ne Morningstar , chiyero chekubhadhara mari pamadhora ose chaiva ma64,64; nepo 401 (k) mari yekuchengetedza iyo zvirongwa zvakawanda zvekubhadhara zvichange zvichiwedzera imwe yezana yemari, maererano neMotley Fool.
Kudzvora 401 (k) Mitero paYako Yemazuva Ano
Kunyange zvazvo iwe usingakwanisi kubhadhara kubhadhara mari yekushandisa mari, unenge uine dzimwe sarudzo pakusarudza zvikwereti zvako, izvo zvinogona kuvandudza mari yako yemufananidzo.
Mari yose inobhadharwa nemari pamwe chete ndeyevanhu vose, uye iwe unowanzowana kuti ruzivo rwakakurumidza mu 401 yako (k) mashoko packet kana mushandi we intranet. Mari inoshandiswa zvisina kunyanya kusanganisira mari yekuenzanisira uye chinangwa chekuregera mari mari inowanzobhadhara mari shoma pane mari yakarongeka.
Uyewo, usabvisa pfungwa yehuwandu hweH HR yako kuchinja kune yako 401 (k) kukuchengetedza mari. Kana iwe ukawana mari yako yekufambisa yakakwirira kudarika yemhizha yega yega, tsvaga munhu akakodzera kuti utaure naye pane yekambani yako pamusoro pekuenda kune imwe purogiramu yekudhura. Kutanga kwakaita ForUsAll vari kuvhiringidza hurumende nekupa zvirongwa zvemabhizimisi mashoma ane mari shoma, uye mabhizimusi makuru anogona kutamira kune vanopa sevangu Vanguard, Fidelity, kana Charles Schwab kuti vawane mikana yakawanda yekutengesa mari.
Usakanganwa Kuisa IRA Yako Paunenge Uchienda
Yako 401 (k) nhoroondo ine zvishoma zvingasarudzwa zvekutsvaga, izvo zvakasarudzwa nemushandi wako uye 401 (k) mutariri.
Mhedzisiro ndiyo iyo zvishoma zvingasarudzwa zvinosanganisira mari yakawanda yekubhadhara mari, uye hazvirevi kuti inosanganisira yakanakisisa yekutsvaga kusarudzwa kwezvaunoda.
Kuti urege kubhadhara mari uye uwane rusununguko rwezvimwe zvingasarudzwa, unogona kuvhara 401 (k) yeAlex account yeR Rollover IRA paunoshandisa vashandi. Iwe unogona kuwana rubatsiro kubva ku rollover yako IRA brokerage kuti udane wako wekare 401 (k) mupi uye unoita kuti iwedzere pasina matambudziko.
Nhoroondo dzeRirairo IRA dzakawanda dzisingabhadharwi mari, uye iwe unogona kusarudza kubva kune chero ipi zvayo inotengeswa mari, bhandi, kana mari pane nzvimbo shomanana. Iyi shanduko inonyanya kukosha pane zvinyorwa nezviyero zvakakura, sezvo zvinoreva iwe unogona kuwana mari nemari shoma shoma. Izvi zvinoreva kuti uri kutema mari imwe chete, uye zvichida kuderedza mari yekubhadhara iwe waibhadhara.