Kunzwisisa Maitiro 401 (k) A Account Works
Ne 401 (k) nhoroondo dzinotora zvirongwa zvepakati penhepfenyuro yenyika zhinji, zvinokosha kudarika kare kuti iwe unonzwisisa kuti 401 (k) kuisa mari inoshanda sei. Kushanda kwako zvichida kunobva pairi! Uyu mutungamiri wakagadzirirwa vatangadzi kuti vabatsire kunzwisisa zvinhu zvakadai semiganhu yemipiro , musiyano pakati pe 401 (k) nhoroondo neIRA , kutanga kutora chirango kana iwe uchiwana mari yako isati yakwana, uye nezvimwe zvakawanda.
01 Kutanga kusvika ku1401 (k) Retirement Plans
Iyi peji ine-in-depth overview inotsanangura zvinyorwa zve 401 (k) hurongwa uye kuti ungashandisa sei 401 (k) account yako yekuisa mari yako yekurega. Ndiyo nzvimbo yakanakisisa yokutanga kana iwe usingazivi chinhu pamusoro pekuti mabhii aya emabhengi ekurega basa anoshanda nokuti anofukidza nheyo dzemunharaunda yese inofanirwa kunzwisisa pamusoro pekubhadhara mari yakawanda inosanganisira rollovers, mutero wemitero, zvikwereti, uye matambudziko kurega.
02 401 (k) Kudyara Hazvifaniri Kuoma
Dzimwe nguva, vatengi vanoita 401 (k) nhoroondo dzakaoma zvikuru kana dzisina kuve. Iko kusakanganiswa kukuru ndechokuti 401 (k) rudzi rwekutsinhanisa kana harisi. Icho chimiro chekero-yakakosha kero iyo inogona kubata mari, iyo inonyanya kuzivikanwa iyo inowirirana mari. Iyi yakajeka yezvimwe zvikanganiso zvakajairika zvinowanikwa nevasimari vepatoti vangaita kuti uwane rubatsiro rwakanaka pamari yako pachako.
03 Chakavanzika che 401 (k) Kuisa Mukubudirira
Pane zvinhu zvishomanana zvinoita kuti zvive nyore kuti 401 (k) rekuchengetedza mari kubhadhara kuponesa nekutsvaga kwako . Nokubata zvibatsiro izvi, iwe une mukana chaiwo wekukura mupfumi kwenguva yakareba nekuda kwe simba rekugadzirisa. Une mienzaniso chaiyo yemasvomhu yekuti iwe unogona sei kubatsirwa kubva pamitero-inobatsira, zvipo zvakakodzana, uye nguva refu yenguva yekodha rako rekubvisa mari, ino nyaya yakagadzirirwa kune avo vanoda kuwona tsanangudzo yekuti kushandiswa kwesarudzo yevashandi yako kunogona kukubatsira sei kuzadzisa zvinangwa zvako.
04 I 5 Inonyanya kukosha 401 (k) Mitemo Inofanira Kuziva
Apo zvinosvika ku 401 (k) kuisa mari, pane mitemo mitanhatu iyo mumwe wevatengesi vatsva vanofanira kuziva. Aya mazwi anosanganisira kuenzanirana kwehuwandu, kuenzanisa kwekufananidza, muganhu wemugove, kuderedzwa kwemutero, uye kuoma kwekutora. Nokunzwisisa zvinorehwa nemumwe nemumwe, uye kuti unogona sei kuzvishandisa nekuda kwako, iwe unogona kuvandudza mikana yako yekuva mari yakazvimiririra uye kuva nemari yakasimudza mari.
05 Haufaniri Kusarudza Pakati Penguva 401 (k) uye IRA
Rimwe remibvunzo yakakurumbira ndeyekuti, "Ndinogona here kuva nemakore 401 (k) neChechi IRA kana Roth IRA?" Mhinduro ndeyokuti: Hungu! Pane mimwe mitemo yaunoda kutevera kana iwe une rudzi rwakasiyana rweIRA yakadai seLisra IRA kana SEP-IRA asi zvisingaiti, nekushandisa zvese, iwe unogona kuchengetedza mari yakawanda yemari yako yekubvisa mari. Izvi zvinotsanangurwa kuti zvinokwanisika sei uye zvishomanana zvezvikonzero zvaunogona kufunga nezvekuvhura zvose 401 (k) neIRA.
06 Ndezvipi zviripo uye zvakanakira kutora 401 (k) Chikwereti?
Kutora chikwereti (40) (k) chikwereti, dzimwe nguva chinonzi chikwereti chakaoma, chinogona kuva nzira yekupedzisira nzira yekuwana mari yako yekusunungurwa usingatongorwi nemutemo wekuregererwa kwekutanga ... chero bedzi iwe uchitevera mitemo udzorere mari yacho isati yasvika due! Kuti udzidze nezvekuti zvikwereti izvi zvinoshanda sei uye kuti ungafanirwa sei, verenga nyaya ino.
07 Zvikuru Zvikuru Zvikuru 401 (k) Mhosva Dzinofanira Kudzivirira
Pane maviri makuru 401 (k) chirango chaunofanira kudzivisa. Zvinokonzera kukuvadza zvingaguma nemari yakawanda yemari yako yakaoma yakaenda kuenda ku IRS mukutengesa mitero panzvimbo yezvisikwa zvako denga, zvichiguma nemigumisiro yakaipisisa kwenguva refu yekusarura kwako kwekusarura uye remangwana! Ita iwe unyanzvi uye udzidziswe pane izvo zvikwereti izvi, kuti zvinokonzerwa sei, uye zvimwe zvezvinhu zvaunogona kuita kuti uchengetedze mari yako.
08 Solo 401 (k) uye Kuzvishanda 401 (k) Zvirongwa
Kune mamiriyoni evarimi vemari, inonyanya kukosha muhupenyu hwavo ibhizinesi remhuri . Zvakadini nevadzidzisi vemabhizimisi vanoda kutora zvakanakira mamwe emitero inobatsira ye 401 (k) hurongwa? Ndiyo iyo Solo 401 (k) kana Self-Employed 401 (k) hurongwa inoshandiswa. Nhoroondo idzi dzinopiwa nedzimwe nyika dzepasi rose dzinotora basa rekubvisa basa uye dzinogona kuvhurwa nechinguva chiduku chekutsungirira, nguva, mapepa, uye mari. Kuti udzidze zvakawanda nezvenyaya idzi, verenga nyaya ino.
09 Nzira Itsva Roth 401 (k) Inogona Kuchengeta Mari Yakawanda Muhomwe Yako
Ichitevera kubudirira kukuru kweRoth IRA , inobvumira varairidzi kuti vaise mari mushure mekuteresa mukambani kuti iwedzere kubhadhara uye inodzivirira zvose zvebatsiro, chikamu, chikwereti, chikwereti, uye mari inowanikwa kubva pamitero saka peni haisi kuenda kune hurumende, Congress yakaunza chimwe chinhu chitsva chinonzi Roth 401 (k). Nokugadzira mipiro pasi pemirairo yeRoth, mutya anotevera mitemo angagona kukwanisa kufanana nekukwereta kusina mutero mune 401 (k) nhoroondo sezvaanogona muRoth IRA!