Kubatsira Kwaiitwa Nevashandirwi Basa uye Nzira Yokukudziridza nayo
Nzira yeMashandi Anowirirana Kushanda
Kana waunoshandira achipa imwe nzira yekushandira mubhadharo pamipiro yakagadzirirwa purogiramu yavo yekusunungurwa, ivo vanoreva chaizvo kuti vachafananidza, kusvika kune imwe miganhu, mari yaunopa. Saka kana ukasarudza kusabatanidzwa muchirongwa chekubvisa mari yako, mushandirwi wako ari kure nehote uye haazoiti chero zvipo zvako. Kana iwe ukagadzirisa kubhadhara mubhadharo kuti ubatsire chirongwa chacho, iwe waunoshandira achapa mari yako ku-akhawunti yako zvakare-iyo inonyanya mari yekusununguka chero bedzi iwe uchiramba uchingopa uye uine zvipo zvakakwana.
Nzira yekuti Mushandi Match Vesting Schedules Works
Zvinorevei zvinorehwa? Dzimwe nyanzvi yemashandisirwo emakambani anouya ane purogiramu yokugadzirira sechirudziro chekugara wakashanda nekambani. Kunyange zvazvo waunoshandira achatanga kuenzanisa zvipo zvako (zvichienderana neurongwa hwavo) nguva yaunoita mupiro wako wekutanga, iwe hauna kunge uine kodzero dzepamusoro kune iyo yakaenzana mari.
Purogiramu yako yekutengesa yekambani ichaona kana iwe wakanyatsogadziriswa, kana kuti unogona kutaurira hupi huzere hwemakwikwi nemari yavo. Zvirongwa zvakawanda zvekugadzirira zvinotora makore akawanda asati waguta, kana kuti 100% yakawanikwa, uye zvirongwa zvakawanda zvinopa kugovera zvishoma kunowedzera kunoitika gore rimwe nerimwe.
Semuenzaniso, kambani yako inogona kuva nemakore mashanu ekugadzirira maitiro ayo mushure megore rako rokutanga rekushanda iwe hauna kupiwa (0%), asi mushure memakore maviri iwe uri 25% wakaiswa, uye shure kwegore vatatu iwe uri 50% wakatengeswa, uye zvakadaro kusvikira iwe uchiwana 100%.
Svondo Rekushandisa Matese Schedules
Kunyange zvazvo mushandi achigona kugadzirisa miganhu yepurogiramu yevashandi vayo, inonyanya kushandiswa kumushandira mutsara ibasa 50% kusvika pa6% yemari yako, zvinoreva madhora ose mushandi anobatsira, mushandi achapa 50 masendi, asi kusvika muganhu we 6% weyo mushandi wechibhadharo. Izvi zvinobudirira zvinoreva kuti kana umwe mushandi achiwedzera mari yevashandi vavo, zvipo zvevashandi vavo zvichaenzana ne3% yemutengo wevashandi. Izvozvo zvakafanana nokuwana 3% kusimudza uye nokukurumidza kuchengetedza mari yakawedzerwa kubva kune imwe mubhadharo mukodhi yakabhadhara mari!
Asi vamwe vashandi vanopa mamwe mahedheni ekufananidza, akafanana neaya anozivikanwa seMusangano weKachengeteka , pashure pezvakagadzirwa zveSeport Harbor 401 (k) Zvirongwa. Uyu mutsara unowanzoita 100% match kusvika 3% uye zvino 50% mutsva kubva ku3% kusvika ku5%. Nekubatanidzwa uku, mushandi anofananidza nedhora-kusvika-dollar kusvika ku3% yemutengo wevashandi masentimita makumi mashanu padhora kune chero chinhu chinopfuura 3% uye pasi pe5% yehuwandu hwemari yavo.
Nzira Yokuverenga Mutevedzeri Womushandi
Taura kuti waunoshandira anopa mutsara wakafanana uye anowanidza 50% yekutanga 6% yemari yako yose yaunopa iwe. Ngatitaurirei kuti mari yako yakawanda yebhadharo ndeye $ 3,000. Kana ukapa 6% yebhadharo yako yakazara, yako 401 (k) mupiro inenge iri $ 180 pamari yekubhadhara (yakaverengwa se6% yakawanda ne $ 3,000). Kubva sezvo waunoshandira akashandisa hafu (50%) yemupi wako we $ 180, vachawedzera imwe $ 90 kusvika kune 401 (k) hurongwa. Pakati pemipiro miviri, yako uye vashandi vako, iwe zvakanyatsokwanisa kupa $ 270 chete nekuchengetedza $ 180 ($ 180 + $ 90). Kuti uwedzere kune izvozvo, kana kubhadhara kwako kusati kwabhadhara (kwete Roth 401 (k) zvipo) iwe wakachengetedzawo pamitero yaungadai wakabhadhara pa $ 180. Hapana imwe mukana wekutsvaga uripo unowanikwa nenguva yakadaro uye yakatendwa yehutano hwekudzoka sekuti iyo 401 (k) yevashandisi.
Zvaungaita Kuti Uwedzere Kubatana Kwemushandi Wako
Kana wako waunoshandira achipa 401 (k) purogiramu yakatarisana, imwe yezvinangwa zvako zvekutanga zvemari inofanirwa kunge iri kuwedzera iyo inofanirwa kuchengetedza - uye ita-nemari yakawanda sezvaungagona nokuda kwekurega basa. Kuti uwedzere kushandira mubasa wako, izvo zvinoreva kuti uwane zvakawanda sezvaungaita, unofanira kutanga ugovera zvishoma kusvika pamuganhu. Kana iwe waunoshandira achipa mukana weKachengetedzwa kweKachengetedzwa, somuenzaniso, iwe unofanira kupa chikamu chimwe chezvikamu zvishanu zvebhadharo kune yako 401 (k) kuti uone kuti iwe unowana zvakawanda mubasa rekushandira mushamba mari sezvaunokodzera.
Pakupedzisira, chikwata chekutengesa chakafanana nekukunda kambaino pose paunotamba. Sei chimwe chinhu chine mari yako? Tora mari yekusununguka chete 401 (k) match inopa.