Nzira Yokusarudza Nayo Nzvimbo Yakanakisisa Yokuendesa Yako 401 (k) kana Purogiramu Yekubatira
"Ndinofungidzira zviri kungogara pabasa rangu rekare," akadaro.
"Saka boka rako rekare richaenderera mberi naro?" Ndakabvunza.
"Handizivi," akapindura kudaro. "Ndaingofunga kuti zvaizoitika.
Nguva yekupedzisira ndakasiya basa randakafanira kubhadhara nokuti ndakanga ndisina zvakawanda mukati mazvo. Asi ndine zvakawanda zvakaponeswa ikozvino, saka ndakafunga kuti ndinogona kungosiya ipapo. "
Ndiri kufara kuti ndakabvunza, nokuti pazvinouya pakuronga kwako, iwe haudi kuita pfungwa. Kana iwe usingazivi kuti chii chiri kuitika kune wako waunoshandira-akatsigirwa, anorondedzerwa rubatsiro rwekubvisa mari yako paunenge ubuda kambani, unoda kuziva. Kunze kwekuti iwe wekare wekare iwe usingafungi kupfuurira kutarisira mari yako, iwe unofanirwa kuita chisarudzo mukati mememazuva 60 kana mari iri muurongwa ichangozogoverwa iwe kana imwe nhoroondo yekubvisa mari . Pasinei nokuti uri kusiya basa nemhaka yekambani inofambisa, kuvhara, kupisa, kana kuchinja mararamiro, kambani inofanira kunge yakanyatsojeka pamusoro pezvaunoda kuita neurongwa hwako hwokurega basa. Zviri kwauri iwe chii chaunofanira kuita chinotevera.
Kubhadhara Purogiramu Ongororo Kana Kuchinja Mabasa
Paunobva mubasa, unogona kuita zvinhu zvakawanda:
- Iwe unogona kusiya mari yacho newaimbova waanoshandira - Vamwe vashandi vanobvumira izvi kana iwe une chikwereti chinopfuura $ 5000. Vamwe vachakumanikidza kuti uende mari kubva kurongwa mukati memazuva makumi matanhatu kana kuti vachakuendesa iwe. Kana iwe waimbova mushandi akakubvumira kuti uchengetedze mari yako mubhuku, iwe unotofanira kutarisana pane imwe nguva. Siya urongwa huri shure kwebasa rose uye pakuguma kwebasa rako iwe unogona kusimuka ne 401 (k) kumakuva akazadzwa nemari yekusimwa inoisa chikwereti chako chose kubva whack . Kunze kwekuti zvisarudzo zvekutsvaga mumakore ekutanga 401 (k) zvakashamisa zvakasiyana-siyana izvo hazvigoni kuwana kune imwe nzvimbo, unoda chirongwa chenguva refu chekuendesa iyo mari. Pane zvimwe zvikonzero zvekufunga kubva paurongwa hwako hwekurega basa nemushandi wepakutanga kusanganisira kuzivikanwa nekusarudzwa kwekutsvaga mari, mari dzinogona kunge dziri pasi, kuparadzaniswa kwemitemo yebasa, kutungamirirwa kwehutungamiri, uye kudzivirira pamhosva.
- Iwe unogona kuendesa mari yacho zvakananga muurongwa hwekushandira kwemushandirwi wako - Vazhinji vashandirwi vachapa sarudzo yekugadzirira-plan-plan-rollover mune yavo 401 (k) kana imwe chirongwa chekurega basa . Sezvo iwe uchifambisa unyanzvi hwako uye ruzivo kune basa idzva, iwe unotora dendere rako rekurega basa . Hapana mimwe mitero yemitero kana zvikwereti izvi zvinoitika , uye wako waunoshandira anofanira kupa mirairo kuti akufambe iwe kuburikidza naro. Izvi zvinogona kuva sarudzo yakanyanya nyore iyo inochengetedza mari yako yekuwedzera, chero bedzi iwe uchida kusarudzwa kwekutsvaga muurongwa hutsva. Zvakanakawo kutanga mutsva 401 (k) nekanaka, hutano hwakanaka. Uye kana waunoshandira achipa zvikwereti, une dzimba huru yemari inowanikwa kwauri (kunyange zvazvo 401k zvikwereti hazvibvumirwi zvakakodzera ).
- Iwe unogona kutamisa mari yacho muR Rollover IRA uye usarudze iwe pachako mari yako - A Rollover IRA iyo nhoroondo yauri kuzarura ndiyo nzvimbo yemakore 401 (k) uye yezvirongwa zvekurega basa. Kana iwe uchinge uchida kubva kubva kubasa kuenda kune rimwe basa sezvo iwe uchikwira basa remakore, Rollover IRA inokosha. Paunoita rollover yakananga , hapana mimwe mitero yemitero kana mitero yemitero inobatanidzwa. Uye Rollover IRAs inopa kusarirwa kusingaperi kwekusarudzwa kusarudza kubva-kusanganisira mashizha , zvibvumirano , mutengo wemari , ETFs , kunyange dzimba- kana ndizvo zvauri kutsvaga. Pamusoro penyika, iwe hauchazogadziri kupa zvipo nguva dzose iyi, kuitira kuti nhoroondo irasikirwe zvishoma. Zvisinei, Rollover IRAs yakanyatsogadziriswa, unogona kukwanisa kubhadhara zvinhu zvakare muurongwa hwemushandi weramangwana.
- Iwe unogona kutora 401 (k) mari uye inomhanya -Izvi zvinonzi kugovera-mashesi kugovera, uye zviri pachena chisarudzo chakaipisisa . Nokuda kwechikonzero chimwe chete, iwe uchangozvitora mutero we 20% uye kana iwe uri muduku kudarika 59 ½, iwe ungangodaro ubhadhara chikamu che 10% chechipiri. Tichifunga nezvebhakoni yako yemitero uye inogona kuwanikwa nematero emunharaunda, iwe unogona kurasikirwa hafu yezvawakachengetedza. Kana izvi zvisina kunaka, iwe unorasikirwa nemari yakakura yawakanga uri muurongwa hwekubvisa mari, uye nguva yakashandiswa kukura mari.
Ko Kana Iwe Usingaiti Ipi Chezvinhu Izvi?
Maererano neInternal Revenue Service , kana mari yako yekuchengetedza isingasviki $ 5000, mushandirwi wako haafaniri kubvumirana iwe usati waparadzira mari kubva kurongwa. Zvisinei, kana pane mari inopfuura $ 1000 muurongwa hwako uye iwe usasarudza rumwe rudzi rwekugovera, chirongwa chako mutungamiri chinotarisirwa kutamisa mari muIRA.
Uyu ndiwo mutemo mutsva, uye unobatsira vatyairi kuramba vachizvipira kumurongwa wavo wekuchengetedza mari .
Kana yako 401 (k) muyero uri pasi pe $ 1000, iwe unogona kutora nhanho yekushambadzira kwekusagadzikana usina kuzviziva. Iwe unogona kufunga $ 1000 haisi huru yekutengesa. Asi nemashiripiti ekuwedzera , $ 1000 inogona kukura nokukurumidza kana iwe uchiramba uchivakira pairi nemipiro yakaramba iri pakati pe6% uye 10% yemutero wako usati watere .
Kana iwe uchinge wawana ganda rekugovera-chikwata asi uchiri mukati mememazuva makumi matanhatu ekugumisa hurongwa hwako hwekare, iwe unogona kuisa mari yacho muurongwa hutsva hwemushandi kana Rollover IRA. Iwe unogona kukwanisa kutora chero mitero kana zvikwereti zvakabhadharwa pamutero wako wekudzokera . (Zvinonzwisisika kutaurirana izvi nemutero weprofesional kare). Kana mazuva makumi matanhatu apera, IRS inotaura kuti zvikamu zvese zvingatarisirwa ndezviitiko apo mari yezvemari yakatambisa mari yacho zvisina kukodzera.
Akawanda maAptwork , One Portfolio
Kana iwe ukachengeta hupfumi hwako huchishanda mune dzimwe nhoroondo, zvipe iwe mufananidzo wakajeka wekuti mari yako inoshanda sei pamwe chete. Iwe unoda kuchengetedza chikwereti chako chepamusoro paunenge uchidzivirira mari yakawanda yekutsvaga inowanikwa kana kuwedzerwa mari.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.