Izvi zvinokubatsira kuti uzive kuti ingani yakaisa mu 401 (k) chirongwa chako.
Ingobatsira chete kune yako 401 (k) Ronga Kana ...
Muzviitiko zvizhinji, iwe unofanira kungoita kuti uwane 401 (k) urongwa kana iwe uine kambani yekuchengetedza ikozvino inogona kushanda sechirwere chekukurumidzira, uye kana iwe uine rubatsiro rwakakwana rwehushuwarisi munzvimbo, seyakakodzera yehutano inshuwarisi, pfuma / kuparara , uye inshuwarisi yehupenyu.
Sei?
401 (k) zvirongwa zvakagadzirirwa kukurudzira kuti iwe uchengetedze kubhadhara, uye wakagadzirirwa saka haasi iyo yakachengetedza mari yakakosha kana iwe uchida mari mberi kwekurega basa. Kana ukarashikirwa nebasa rako, kana kuti chinetso cheutano chinomuka, kazhinji haugone kuwana 401 (k) mari zvachose, uye kana uchikwanisa, mitero uye zvikwereti zvingave zvakakwirira. Vako 401 (k) zvipo ndezvokurega basa, kwete nekuda kwekukurumidza, motokari itsva, kana chimwe chinhu. Kana uchinge uine kero yakakwana yokuchengetedza, shandisa zviyero zvinotevera pasi kuti uone kuti zvakadini kugovera 401 (k) chirongwa chako.
Iva Ichokwadi Kuti Uwane Yose Yako Nyaya Match Inani
Tsvaga kana kambani yako ichipa chero mapepa anowirirana kune yako 401 (k) chirongwa. Somuenzaniso, kana iwe ukapa 3% yemari yako kune 401 yako (k) hurongwa, inogona kuenzanisa zvipo izvi $ 1 ye $ 1. Izvi zvinokupa iwe pakarepo 100% kudzoka pane chero 401 (k) zvipo zvaunoita.
Makambani akawanda achafananidza zvipo zvako kusvika kune imwe chikamu chemari yako yaunowana. Mamwe makambani achapa zvipo kune yako 401 (k) urongwa huri muhudziro hwekugoverana kwezvipo kana zvipo zvisina kusarudzwa pasinei nokuti iwe unopa kana kwete.
Makambani anowirirana nekambani kuakaunti yako kazhinji anowanikwa kune 401 (k) purogiramu yekugadzirira iyo iri purogiramu inokuudza kuti mari yakawanda sei iyo kambani inowanika munhoroondo yako yaunofanira kuchengeta kana / kana usisiri kushanda navo.
(Iwe unogara uchingochengeta 100% yemari yaunopa iwe 401 (k) chirongwa.)
Mimwe mhando yemipiro, yakadai sechinhu chinonzi "chikepe chakachengeteka" inowanzopiwa 100%, inoreva kuti mari yako ndeye kunyange iwe ukagumisa basa pakarepo mushure mekunge vakaisa. Mamwe marudzi emipiro, yakadai semipiro yekugoverana kwezvipo, inogona kuva nedzimwe nguva yezvokugadzira zvigaro zvinoda kuti iwe ushandiswe makore mashanu kana kupfuura musati wawana kuchengetedza 100% yemari iyo kambani inokupa iwe.
Kana iwe usingafungiri pakushanda kune waunoshandira kwenguva yakareba, uye kana zvipo zvekambani zvichitungamira purogiramu yakareba yekuzvigadzirira, zvino kuenzanisa zvipo hakufaniri kuva zvizhinji zvekutarisa paunosarudza kuti zvipi zvingaita kuti uwane 401 (k ) urongwa.
Kana kambani yako ichienzanisa zvipo, zvipo zvinowanikwa pasi pechirongwa chepfupi chekugadzirira uye / kana unoronga kushanda ipapo kwechinguva, funga kupa zvipo zvakakwana kuti uwane chikakwana chakazara chekambani inosangana gore negore.
Funga Mitero Paunosarudza Chipi Chine Mupiro Wekuita
Mutsika 401 (k) zvirongwa zvinokubvumira kuti iwe usati watobhadhara mari. Zvimwe zvirongwa zvinokubvumira kuita mushure mekubhadhara mitero uye zvirongwa zvakawanda zviri kutanga kukubvumira kuita michero yeRoth.
Rudzi rwemhando yega yega mupiro inobhadhara mutero wayo.
Mutero usati watere 401 (k) Mipiro - isati yatere 401 (k) zvipo zvaunoita kurongwa hazvibatanidzi mumari yako inotengesa yegore. Paunodzinga 401 (k) mari yauchabhadhara mitero yemari pamutengo upi zvake unotorerwa. Rudzi rwe 401 (k) rubatsiro rwakanakisisa kana iwe uri muchengeti wepamusoro wepamusoro mumakore uri kuita mipiro iyi uye unotarisira kuva mune imwechete kana pasi yebhasikiti yemutero mumakore iwe uchatora mari kubva kune 401 (k ) urongwa. Kana iwe uine mari yakawanda ikozvino mumatare akakonzerwa nemitero, unogona kuda kuita zvakawanda zvekugara kwenguva refu usati wasarudza kana iwe uchifanira kuwedzera kunyange mari yekare isati yabhadharira kurongwa. Kana uchinge wapera basa, kuva nemari yakawandisa mumakero akaremberedzwa mutero kunogona kukukuvadza.
Mushure mokunge mutero 401 (k) Mipiro - ine mitero yemitero mushure mekunge iwe hauna kuwana kubhadharwa kwezvipo zvepurogiramu, asi mari ichakurira mitero-yakadzokidzwa.
Mushure mokunge mutero 401 (k) zvipo zvakangofanana nemipiro yeIRA isingabhadharwi. Panguva iyo iwe ukabvisa mipiro iyi, iwe uchakoteredzwa chete pane pfuma ipi zvayo, Watove wakabhadhara mutero wemari pamusoro pemari yemipiro pachako, saka iwe hauzobhadhari mitero yemari pamutengo uyu paunenge uchibvisa. Kunongova makumi mana (k) zvirongwa zvinotendera mushure mitekero 401 (k) zvipo. Paunenge warega mari yako yekutora mitero inogona kuendeswa kuRoth IRA.
Roth 401 (k) Mipiro - ine Roth 401 (k) mari inowanikwa mari inotevera mushure, uye inowedzera musero. Kuva nemari mumabhuku eRoth kunogona kukubatsira zvikuru iwe paunenge uri pamba, sezvo mari yakabviswa kubva kuRoth yako isingabhadharwi, uye haisati yakabatanidzwa mune imwe nzira inotarisa kuti mari yako yeHindu Security ichakweretwa sei. Mipiro yeRoth inonyanya kukosha apo iwe ungave uri mubhaketi yakaderera mutero mugore raunopa zvipo uye unotarisira kuti iwe unogona kunge uri mubhaketi yakakwirira yepamusoro gare gare paunotora zvishoma. Roth 401 (k) mipiro inosarudzo yakakosha kana iwe une nguva yakareba yekurega mari iwedzere kusununguka mutero, kana kana iwe uine zvikwereti zvekubhadhara mari uye iwe unoda kuvaka mari yakawanda mushure mekuteresa kwemari.
Zvichienderana nezvikwereti zvako zvemutero, zvinganzwisisika kuita mamwe matero 401 (k) zvipo uye mamwe Roth 401 (k) zvipo. Kuronga kwakanaka kwemitero kunogona kuita kusiyana kukuru mukukubatsira kusarudza zvakakodzera iwe.
Uyezve, kana mari yako inowirirana gore negore, zvinganzwisisika kusiyanisa nzira yaunoponesa gore negore. Tine mumwe mutengesi wemugovera wekambani, mumakore ekubhadhara mari yakawanda takaita kuti aite mari isati yatere 401 (k) mitsva uye mumakore mashoma awana mari yaakaita mipiro yeRoth.
Ndinowanzofanira kuchinja sei mari yandinoita?
Kana uchinge wafunga nezvehuwandu hwekupa, iwe unoda kudzorera mari yaunopa iwe 401 (k) urongwa kubva panguva-kusvika-nguva zvichienderana nemari yako inoshandiswa uye kuti chirongwa chinogadzirisa sei kuchinja.
401 (k) Mipiro yevashandi vanozvishandira
Kana iwe uri wekushanda, kana iwe newawakaroorana naye mune bhizimisi rausina vashandirwi, unogona kugadzira shanduro yakareruka ye 401 (k) hurongwa hunoda huwandu hwekutonga. Kune marudzi akawanda emagadzirirwo emabasa ekurasikirwa kwemabhizimisi maduku kuti asarudze kubva.
Chinokosha kuchengetedza mari zvakanaka, uye kuva nemari yakaponeswa kuchazarura mikana yako munguva yemberi. Saka ponesa zvakawanda sezvaunogona, asi ita kuti uone kuti mari yako yakawanda sei inofanira kupinda mune yako 401 (k) hurongwa zvichienderana nekutevedza kwemari kubhengwa.