Nzira Yokuchengetedza Zakawanda Nokuda Kwokurasikirwa NeMushandi Wevashandi
Inzwisise Kuti Icho chaicho chaMakisi 401K
Kazhinji, iwe unongogamuchira mupiro mukati mako 401 (k) uronga kana iwe uchiita mupiro iwe pachako.
Paunenge uchichengetedza zvimwe zvebhadharo yako nekuisa mari mukati mako 401 (k), kambani yako inogonawo kufanana nehuwandu hwepakati yemipiro yako. Asi kana iwe ukakundikana kugovera kune yako 401 (k) hurongwa, saka mutsara wako wekambani unofamba haugoni kusiya unenge uwandu hwemari patafura.
Kunzwisisa Purogiramu Yako 401K Kubatana
Dzimwe makambani haana kunyange 401 (k) chirongwa naizvozvo zvakakosha kutora nguva yeku kunzwisisa 401 kambani yako (k) chirongwa chekufananidza. Kune avo vane 401 (k) hurongwa, munofanira kuchengeta mupfungwa kuti chirongwa chimwe nechimwe chinogona kuve chakasiyana. Vamwe vashandi vane mapurogiramu akaenzana chaizvo. Vamwe vane mhando dzakaoma kana kuti kwete purogiramu yakafanana zvachose. Ivhareji yemugove wekambani inowira kune imwe nzvimbo inenge 3 peresenti yemari yekubhadhara. Kumbira HR yako mumiririri wehuwandu hwemashoko ako 401 (k) purogiramu yakafanana. Heano mienzaniso miviri inobatanidza mapurogiramu uye maitiro avanoita:
- 50% inosvika kusvika kune 6% yekutanga - Kana iwe une chirongwa chakadai, wako waunoshandira achaisa masentimita makumi mashanu muurongwa hwako hwekurega mari yega rega iwe waunopinza. Gore roga roga, pane muganhu we 6% wemari yako yakawanda iyo mushandi achafanana. Nokudaro, munhu ane mubhadharo we $ 50,000 iyo inowedzera zvinenge 6% kune yake 401 (k) hurongwa huchagamuchira mupiro unofanirwa kubva kumushandi we $ 1,500. Cherechedza, zvisinei, kuti mushandi uyo asingabatsiri muurongwa haazogamuchiri chinhu kubva kune waanoshandira nenzira yemutambo.
- Dhora yeDhora rinomirira kusvika ku5% - Pamadhora ose iwe unoisa mu 401 (k) chirongwa chako, kambani yako ichaisawo muodhora. Kana ukangosvika zvikamu zvishanu kubva mubhadharo wako wakakosha mupiro wegore, mushandi wako haazowedzeri mamwe madhora kuakaunti yako kusvikira gore raitevera.
- Ramba uchifunga mupurogiramu yako inofananidzwa inogona kunge yakasiyana nezvaya zvinotaurwa pamusoro apa.
Usatendeuka Pasi Pasina Mari
Kana ukakundikana kugovera kune yako 401 (k) kuronga kusvika pamari yaunoshandira iwe, iwe uri kutengesa mari yako kambani inogona kunge ichipa mari yako yekurega. Zvakaoma kufungidzira mamiriro ezvinhu apo kushandura mari pasina mari inyaya yakanaka. Iva nechokwadi chekutora zvishoma!
Usavimba neUnyora-Kuzvinyorera
Vashandirwi vazhinji vari kunyora kuongororwa vashandi vatsva muzvirongwa zvekurega basa. Iyi inzira yakanaka yekukurudzira kuchengetedza basa rekurega basa, asi zvirongwa zvekunyora zvinyorwa zvakasiyana zvakanyanya kubva kumushandi kumushandi. Nokudaro, zvakakosha kunzwisisa mutambo wako wevashandi kuti uone kuti hausi kusiya mari patafura. Vamwe vashandi vanotanga kuverenga kwezvinyorwa zvekuzvinyora pasi pasi mari inodiwa kuti vatore zvakakwana vashandi vese.
401K Match uye Zvikamu zvegore negore
Pasinei nehurongwa hwekambani yenyu, iwe haugone kupa mari inopfuura $ 18 500 yemari yako ku 401 (k) muna 2018 ($ 24,500 kana uri 50 kana kupfuura) Mipiro yevashandi haisi kuiswa mumiganhu yako yegore negore. Zvisinei, kune chibvumirano chemupiro wemadhora makumi mashanu nemakumi maviri nemakumi mashanu emakambani ekushandira pamwe nevashandi muna 2018 (pamwe chete ne $ 6,000 kubata-up kana makore makumi mashanu kana kupfuura). Mushandi wekubhadhara mubhadharo wemiganhu yekuverenga mitsva iri $ 275,000 muna 2018.
Chenjerera chero Chekuita Shedules
Hazvina mhosva kuti iwe unopedza sei basa kana kuti sei, mari yaunobatsira iwe 401 (k) chirongwa chako ndechekuchengeta. Zvisinei, zvipo zvakagadzirwa neunoshandira iwe zvingave zvichienderana nehurongwa hwekugadzirira . Iva nechokwadi chokuti unonzwisisa purogiramu yako yokugadzirira usati wasiya basa rako!
Kwete Match for IRAs
Hapana mimwe mipiro yakafanana inowanika IRA iwe ungazvizarura iwe. Kushayikwa kwemari isingabhadharwi chikonzero chimwe chinoita kuti zvive zvakananga kutanga kutanga kugadzirisa mari yakaenzana 401 (k) nhoroondo isati yaita kuIRA. Kana ukangosvika kumiganhu inofanana, zvisinei, iva nechokwadi chekutarisa IRA nguva dzose kana Roth IRA . Kuti uwane mamwe mashoko pamusoro pehuwandu hwekuti iwe unogona kubatsira sei kuIvidual Retirement Account (IRA), chengeta zvinhu zvinotevera:
Verengai Mupiro Wako Mari
Sezvo vashandi vazhinji vasingashandisi zvizere nemafambisirwo avo anokwana 401 (k) zvipo zvakakosha kuve nechokwadi kuti uri kuwedzera basa rako rinobatsira. Izvi zvinogona kushandiswa kukubatsira kuti uwedzere 401 (k) zvipo zvekuita zvakanyanya kumushandira pamwe. Kuti uwane mamwe mashoko pamusoro pehuwandu hwekuti iwe unogona kupa chikamu che 401 (k) chirongwa chegore ra2018 rekutarisa chengetedza chibvumirano chinotevera: