A 401k ndeimwe yemhando dzakanakisisa dzekuchengetedza mari vanhu vanogona kuwana
Kana wako waanoshandira achiti ichataridza makumi mashanu kubva muzana yemipiro yako ye 401k kusvika pakutanga 6%, somuenzaniso, ndiwo muenzaniso wemugove wakatsanangurwa.
A 401k inowanika munzvimbo dzakawanda dzebasa sekubatsira kune vashandi. Ndiyo imwe yenzira dzakaoma iwe unogona kutanga kuisa mari uye kuchengetedza kubhadhara.
Iwe unogona sei kutanga ne 401k? Dhipatimendi yako HR inogona kutora kutarisira chirongwa chacho. Vamwe vashandi vanoongororwa zvakananga mune chirongwa che 401k ne 3% mupiro wemari, uye vamwe vanogona kumirira kusvikira nguva yavo yekuongorore yapedzwa kutanga kutora.
Chero nzira, zvakakosha kuwana mhinduro yako chaiyo kubva kune waunoshandira, sezvo kwete yose zvirongwa 401k zvakaenzana. Pachinhu chiduku, tsvaga kana mumwe aripo, sekutanga iwe kutanga kutora, zviri nani.
Mitero Yemitero ye 401k
Mipiro kune chirongwa chekusarura 401k mitero inoderedzwa. Izvozvo zvinoreva kuti iwe haubhadhara mitero pamari yemari yaunoisa muurongwa.
Somuenzaniso Jack anoita $ 50,000 pagore. Anoisa $ 5,000 muzana rake 401k. Anobhadhara mitero sokunge iye chete akawana $ 45,000 gore iroro. (Uyu ndiwo muenzaniso wakanyanyisa kunzwisisika wezvinangwa zvekufananidzira. Jack achave nemamwe ekuderedzwa kwemutero, akadai sekuderedzwa kwakakwana.)
Jack anoisa mari yacho mu 401k yake mumatanda akasiyana-siyana uye pamwe chete mari. Mari yacho inokura mitero-yakasarudzwa, saka Jack haabhadhara mitero pahomwe yake huru uye zvikamu izvo 401k yake inowana.
Nokugadzirisa mitero iyi, Jack anokwanisa kudzorera iyo mari, iyo inokonzera kuti mbiri yake iwedzere kukurumidza .
Apo Jack anoshanyira 65 uye anosarudza kubvisa mari kubva kune 401k, anokwereta mutero panguva iyoyo - paanoenda. Mutero wake wemutero uchave wakabva pane zvaanowana iye zvino uye iye zvino mitemo yemitero apo Jack ari 65.
The Roth 401k Kusiyana
Pane zvakasiyana kune izvi, zvisinei. Roth 401k Urongwa hunoita kuti vanhu vabhadhara mitero mberi, asi havatombobhadhara mitero zvakare.
Iti Sally inowana $ 50,000. Anoisa $ 5,000 muRoth 401k. Anobhadhara mitero sokunge akawana mari yakazara $ 50,000.
Asi hupfumi hwayo huri kuwedzera musero, asi mari yaJack inongokura mitezo-inoderedzwa. Apo Sally anoshanyira 65 uye anotora mari yake yeRoth 401k, haafaniri kubhadhara mitero pairi - kwete kunyange muhomwe huru kana zvikamu zvakakwira mumakore.
Nzvimbo dzakawanda dzebasa dzinopa chete Hurongwa hweHurumende 401k, asi kwete Roth 401k zvirongwa. Kana nzvimbo yako yebasa isina kupa Roth 401k, asi iwe unofarira kuva neye, unogona kutarisa kuti uone kana uri kukodzerwa kuisa Roth IRA . Izvi zvichakupa imwechete mitero-yakakosha kurapwa, kunyange iwe kazhinji iwe usingagoni kupa mari yakawanda kune IRA sezvaunokwanisa 401k.
Zvimwe zvinyorwa: Inyanzvi ndiyo inotsanangurwa 401 (k) panzvimbo ye 401k, asi nyaya dzakawanda dze-internet-tsvakurudzo uye tsvakurudzo dzinoreva chirongwa se 401k.