Kunzwisisa 401 (k) Zvikwereti Basa
Dare reUnited States, zvinonzwisisika, kuisa miganhu pamusoro pemari yaunogona kugovera gore rega roga. Kana zvisina kudaro, munhu ane mari yakakwirira zvikuru angagona kuisa mamiriyoni pamamiriyoni emadhora mu 401 (k) akaronga gore roga roga, kutengesa hurumende yakawanda mari.
Nokuisa miganhu pamipiro, Congress inogona kuvimbisa kuti iyo iri pakati pepakati inobatsira zvikuru kubva pamitero inobatsira ye 401 (k) zvirongwa.
Mitatu Mitatu ye 401 (k) Muganhu wemiganhu
Kuverenga kuti mari yakabvumirwa kuisa mu 401 (k) inogona kunge yakaoma. Somugumisiro, iwe unofanirwa kunyatsongwarira kuti urege kupfuudza 401 (k) mitemo yemiganhu inoshanda chero ipi zvayo gore rakapiwa. Chii chinoita kuti miganhu yakanyanya kuomeswa kupfuura iyo yeChituro IRA kana Roth IRA ndeyekuti, nokuda kwezvinangwa zvose nechinangwa, pane mitatu yakasiyana yemiganhu yakaiswa pamaka 401 (k) zvipo.
- Chokusarudzwa Chokusarudzwa 401 (k) Mupiro Wechipo unomiririra mari iyo muridzi we 401 (k) nhoroondo inogona kupa mubhadharo kubva pamutengo wake. Muna 2018, chikamu ichi che 401 (k) chikamu chakaiswa pa $ 18 500.
- Iko Kunokwidziridzwa 401 (k) Mupiro Muganhu unomiririra mari yakawanda iyo vashandi vanopfuura makore makumi mashanu vanogona kuita kuti vawane mari yekuchengetedza mari . Kubva muna 2018, chiyero ichi chinowanikwa pa $ 6,500. Nokudaro, munhu 50 kana kupfuura anogona kupa mari inosvika $ 25,000.
- Zvimwe 401 (k) Muganhu wemiganhu inomirira mutemo we "catch all". Kunyanya, huwandu hwemarudzi ose ekugadzirisa zvipo, pamwe nemipiro yekubata, pamwe nemari ipi yakawedzerwa kuigwaro kuburikidza nemushandi muhutano hwemari kana mabhonasi maitiro, nezvimwewo hazvigoni kudarika zvishoma zvezana remari yako kana $ 55,000 mu gore 2018.
Izvozvo zvekupedzisira zvinokosha. Chaizvoizvo, zvinoreva kuti kana iwe uri pasi pe50, mari yakawanda iwe unogona kupinda mu 401 (k) mugore ripi neripi ndiro $ 55,000. Kubva ipapo, chete $ 18 500 chete inogona kuuya kubva pamari yako. Imwe $ 36,500 inofanira kuuya kubva kumushandi wako. Vashomanana vashandi vanopa rupo rune 401 (k) mapaji kuti vashandise mitemo iyoyo.
Chii Chinoitika Kana Iwe Ukapfuura 401 (k) Mipiro Yezvipo?
Kana iwe uine ruzivo rwakakwana kuti uwane huwandu hwema 401 (k) zvipo , zvinogona kunge zvisingabatsiri kutsvaga kuwanda kwekuisa pamwedzi wega wega pasina kuisa mukana. Nzira iri nyore ndeyekutora $ 18 500 uye kugovana nayo nemari yako yakawanda. Icho chichasarudza kuti zvakadini, pamutengo wehuwandu, zvichatorwa kubva pane imwe yebhadharo uye zvinotungamirirwa kune 401 (k) chirongwa chako. Kana zvikwereti zvako zvichikwira mumwaka, iwe uchafanirwa kugadzirisa chiyero ichi zvakakodzera.
Kana iwe uchipa mari yakawanda kune yako 401 (k) nhoroondo kupfuura iwe unobvumirwa, iwe unosvika pana April 15 kuti uudze chirongwa chokudzorera mari kwauri. Izvi zvinowanikwa kune kuwedzerwa kwekuwedzera. Kana iwe wakagamuchira kubhadhara mutero , iwe uchafanirwa kuudzorera paunenge uchibvisa kudarika kwepamusoro asi iwe haufaniri kuisa pasi pezvakawedzerwa 10% zvekutanga kutora chirango .
Ndiro mutoro wako kubata zvinopfuura 401 (k) zvipo, kwete yevashandi vako. Kana iwe usingaiti kubhadhara kusati kwasvika mushure mokutora mutero wekupedzisira mugore umo kukanganisa kwaitwa, iwe uchasangana nemitemo yakaoma, fomu yepamusoro yepamusoro, uye unogona kunge wakatoita chirongwa chenyu chekurega basa chichigadziriswa seasina kukodzera, ungadai uine zvinorehwa nemari kana iwe wakavaka dendere rakanaka dendere mazai.
Iko 401 (k) Mipiro Yezvipo Inogona Kuva Yakasiyana Kana Uri Mupi Mukuru
Kana iwe uchikodzera seye anonzi anonyanya kubhadharwa mushandi, izvo zvinoreva kuita mari inopfuura $ 120,000 kubva kune waunoshandira muna 2018, unogona kuva nechezasi 401 (k) muganhu kupfuura iwe zvaunoda. Izvi zvinogona kuitika kana chirongwa chemuchato chako chichionekwa se "top heavy." Mukutaura kwakajeka, urongwa hunofungidzirwa se "top nzara" kana ivo vakakurumbira zvikuru vekambani (chero munhu anowana mari inopfuura $ 175,000) ari kuita zvinopfuura 60% yemari yose.
Congress yakada kuve nechokwadi kuti 401 (k) zvirongwa zvakanga zvisiri kungoshandiswa kuti zvibatsire zvakakwirira mumasangano ekutungamirira.
Taura noMudzidzisi weHurera, Mutori weMitero, Mu Accountant anokwanisa, uye / kana Human Resources Kana Une Mibvunzo
Mitemo nemirau yakapoteredza zvirongwa zvekurega basa zvinonyanya kuoma. Kana ukakanganisa, zvinogona kukuvadza mari yemhuri yako. Kana iwe uchifunga kuti ungangodaro wakaita chimwe chinhu chisina kururama, kana uri mungozi yekuputsa chimwe chezvikamu zvinotungamirira hurongwa hwako hwokurega basa, taura nevanhu vakarurama uye gadzirisa dambudziko racho nekukurumidza.