Ndingaita Ndini Kubhadhara Chikwereti Kubva kuMyangu 401 (k) Pasina Kutongwa?

Dzivisa kurangwa nekuziva mitemo yakabatana

Une 401 (k) yekubatira mari? Kufungisisa nguva uye sei iwe unogona kutanga kutora mune mari yako isina mari? Mitemo yakasiyana inoshanda pamazera akasiyana. Iyo yakaderedza zera rako, zvishoma pane zvaunogona kusarudza, kunyanya kana iwe usati wambotora basa. Izvi zvinogona kuvhiringidza kana uchida mari yekusaripira mari, asi pfungwa ye 401 (k) ndeyekuita kuti iwe uwane mari yekugadzirisa paunenge uchirega basa.

Pazera remakore 55

Kana uri pasi pemakore makumi mashanu nemashanu, uye iwe uchiri kushanda kwekambani inotarisira 401 (k) chirongwa chako, iwe unenge uine zvingarudzo zviviri chete (uchifunga kuti zvingashandiswa zvinowanikwa neunoshandira).

Kuti ukwanise 401 (k) mari , iwe unoda kutora 401 (k) chikwereti kana kubvisa dambudziko.

Kana iwe usisiri kushanda nekambani, unogona kuisa mari yacho kune IRA, kana kuti mari mune 401 (k) chirongwa . Funga kaviri pamusoro pemari mukati mako: kana iwe uchinge uri mukati mako uchatora chikwereti chekuchengetedza chakakosha chinoramba chiri panzvimbo apo iwe uchichengeta mari muchirongwa.

Zera 55 kusvika ku 59 1/2

Kana iwe uri mutorwa, 401 (k) zvirongwa zvinobvumira kusunungurwa kusingabhadharwi pazera remakore 55. Kushandisa iyi 401 (k) yekusununguka makore 55 inopa basa rako rinofanira kunge rakapera pasati rapfuura gore raunosvika makore 55, uye iwe unofanira kusiya mari yako mu 401 (k) urongwa hwekuwana zvikwereti. Pane zvishoma zvisiri izvo kune mutemo uyu: kune mapurisa mazhinji, vanoisa moto uye EMTs, urongwa huno hunoita kuti mari isvike pakuvhura makore makumi mashanu, pane makumi mashanu.)

Usati wapinda mune yako 401 (k), iva nechokwadi chekudzokorora mitemo inodzora iri makore makumi mashanu nemashanu ekugoverwa kwemari:

1. Kana iwe ukasiya basa gore risati rasvika makore makumi mashanu, 401 (k) mari yekusunungurwa makore 55 haigone kushanda . Kuenda kwako kunenge kuri pasi pe10% yekutanga kutora mutero wekutengesa . Semuenzaniso, funga kuti iwe unopedza basa pa 54, uchifunga mugore rimwe chete unogona kuwana mari yekuregererwa. Nope, sorry. Iwe waifanira kumirira rimwe gore rimwe chete kuti usarure kuitira kuti urongwa hushande.

1. Kana iwe ukanyora yako 401 (k) uronga pamusoro peIRA, makore ekurasikirwa makore 55 haazoshandi. Iyo yekutanga yezera raunogona kubvisa mari kubva kune imwe tsika yeIRA account pasina mutero wemitengo izera makore 59 ½.

Zera 59 ½ kusvika 70 1/2

Kana ukangosvika makore makumi mashanu nembiri kubva pamakore makumi maviri nembiri mitemo inoshandura zvishoma, asi kusvika kune yako 401 (k) mari yezera remakore 59 1/2 inotsamira kana iwe uchiri kushanda kana kwete.

Akarega . Kana iwe uri mukana wokurega basa, wapedza basa pashure pokunge wava nemakore makumi mashanu nemashanu, uye uchiri nemari mune 401 yako (k) hurongwa, unogona kuvawana pazera remakore 59 1/2 uye usingabhadhara mutero wekutengesa kutanga. Kana iwe wakakanda 401 (k) mari yako kune IRA, mitemo yacho yakafanana: makore 59 1/2 ndiyo yekutanga iwe unogona kubvisa mari kubva kubhuku reIRA uye usabhadhara mutero wekurasira.

Chiri kushanda. Kana iwe uchiri kushanda, unogona kuwana mari kubva kune yakwegura 401 (k) uronga kana iwe ukazosvika makore 59 1/2, asi iwe unogona kunge usina kuwana zvakafanana mari mukati me 401 (k) hurongwa kune kambani yaunofunga nayo ikozvino inoshanda. Tarisa ne 401 yako (k) chirongwa chekuona kuti chirongwa chako chinobvumira izvo zvinonzi "kushandiswa kwebasa" pazera remakore 59 ½. Vamwe 401 (k) zvirongwa zvinobvumira izvi uye vamwe kwete.

401 (k) Kusarura Makore 70 ½

Zera 70 1/2 ndiro gore raida kuti zvigadziro zvishoma zvitange .

Panguva ino, kazhinji, iwe unofanira kutanga kutora kuparadzirwa kubva kune yako yose yemitero-deferred retirement plans (zvirongwa zvakaita seIRAs uye 401 (k) s).

Kana uchiri kushandiswa nekambani inotarisira 401 (k) chirongwa chako, iwe hausi muridzi, uye iwe haunzwi kutora kugovera, chirongwa chako chinogona kupa chimwe chinhu kune izvo zvinoparidzirwa kuparadzirwa. Iwe unofanirwa kutarisa neurongwa wako mutungamiri kuti uone kana vachibvumira chimwe chikamu kune mitemo inoshandiswa yekuparadzira zvishoma kana iwe uchiri kushanda pazera remakore 70 1/2.