Nzira Yokushandisa Nayo Kubhadhara Imari Kuchengeta
Vamwe vashandi vanogona kusvika kune 403 (b) kana chirongwa che 457 panzvimbo ye 401 (k) chirongwa uye vanoshanda zvakafanana.
Pano pane zvinomwe zvakakosha zvinoita kuti uve nechokwadi chokuti iwe unowana zvakanyanya kubva pakupinda muurongwa hwekurega basa kubasa.
Chengetedza Zvizhinji Sezvaunogona Nhasi
Inowanzove yakachenjera kupfuurira mberi kwekusachengetedzwa kwekutsvaga kwehuwandu mazano akawanda anowanzoshandisa kushandisa kunyora mari itsva. Vazhinji vanoronga mari vanobvumirana kuti munoda kuchengetedza 10-20% yemari yakawanikwa mari gore rega rega munguva yose yebasa rako rekushandira kuchengetedza mararamiro akafanana panguva yekurega. Iyi nzira inowedzera mikana yaunowedzera yakawanda yekuchengetera zvinotsiva zvinangwa zvemari panguva yekurega.
Max Match
Kana iwe waanoshandira achienzanisa nemipiro yako, iva nechokwadi chokuti uchishandisa zvakakwana mari iyi isina mari iyo inopa kukurudzira kwakanaka kwekubvisa kwako mari.
Funga Nezvaunotora Mutero Wemazuva Ano uye Mutero Wemberi
Mutero wekubhadhara mutero kune 401 (k) zvirongwa zvinopa pakarepo kubhadhara mutero. Ukuru uye kukosha kweiyo kubhadhara mitero kunobva pane yako yemutero mutero. Iwe unogona kuenzanisa mutengo wemari yaunowana iwe uchaona semugumisiro wekutora mitero isati yatorwa uchishandisa zvishandiso zvakadai seiyo Pre-Tax Savings calculator.
Mamwe mapurogiramu ekurega basa anopa Roth sarudzo ichikupa kukwanisa kuisa mari pamutero usingabhadhari. A Roth 401 (k) kazhinji isarudzo yakasarura kana iwe usingadi ikozvino mutero wekubhadhara mitero yekutora mitero kana kutarisira kuva mune imwechete kana yakakwirira bheji apo unotanga kutora kugoverwa.
Ita Kuti Ramangwana riwedzere kuKuponesa Kwako Automatic
Zviri nyore kuisa zvipo zvedu zvekurega zvekutora pazvikepe zvekutakura uye kukanganwa kuita shanduko dzinokosha sezvo nguva inopfuura.
Izvo zvakashata zveizvi " zvigadzike uye uzvikanganwe " pfungwaset ndeyokuti mamiriro edu emari ari kuramba achichinja. Zvinosuruvarisa, vavariro yakanaka yekuponesa zvakawanda gare gare muhupenyu haisi nguva dzose kuteverwa kuburikidza nekugara nguva dzose. Ndosaka vadzidzisi vezvemari vakaratidza kuti munogona kuchengetedza mamwe mangwana kuburikidza nehuwandu hwekurega basa huri kuwedzerwa nekufamba kwenguva.
Mazano mazhinji ekurasira mapurogiramu anonyora kunyoresa vatori vechikamu vatsva muhurongwa hwekuwedzera kwehuwandu hwepurogiramu Vamwe vanobvumira vashandi kuti vasainire chikamu ichi chinokosha pasina mari yakawedzerwa. Chii chinoita kuti 401 (k) zvikwereti zvive zvakanyanya kufadza ndezvekugona kushandura pfungwa dzako kana kugadzira zvinyorwa zvemupiro wezvipo chero nguva.
Heino muenzaniso wekuti mawaniro emitengo escalation anoshanda sei:
Ngatitorei Michelle ane makore makumi matatu nemakore uye ari kupa 5% yemari yake ($ 60,000) kwaari 401 (k) uronga ne 1% yegore yekuwedzera kwehuwandu uye 15% cap. Mushure memakore makumi matatu uye neine 6% yekuwedzera kwegore gore rose 401 (k) muyero ungangodaro anenge $ 577,000 uchienzanisa ne $ 244,500 pasina huwandu hwekuwedzera. Hauna nguva yakawanda iyo parutivi rwako? Mushure memakore gumi musiyano wacho uchiri pasi pe $ 34,000 uchishandisa muenzaniso wekare.
Sarudza Mutengo Wekutsvaga Kwekuda Kwemamiriro Ako
Kune vazhinji vanoita basa rekurima mari yekusimudza chikamu chekushambadzira kunogona kuva dambudziko.
Kutsvaga zvakakodzera mafaji ekugoverwa kwemuenzaniso kunoda kufanana nekunyaradza kwehuwandu nehutengo semurima wekutsvaga nguva yako yekutsvaga. Zvirongwa zvakawanda zvekushandira mari zvino zvinopa static asset kugoverwa mari kana kuti chinangwa chezuva mari mari kubatsira rubatsiro vatori vechikamu kusiyanisa mari yavo muzvikwata zvakawanda zveasset (kureva, mashizha, zvisungo / zvakagadziriswa mari, zvivako zvekugara, mamwe masimba).
Dzivisa Kubhadhara Kare
Zvinogona kunge zvichiedza kukurumidza kubvisa asi migumisiro yenguva refu haigoni kukosha. 401 (k) mitemo yekudzorera inogona kuva yakaoma uye kune mamwe mamiriro ezvinhu apo chirango chinogona kudziviswa. Zvisinei, kana iwe ukabva kune waunoshandira kana kuti uchingosangana nematambudziko emari inowanzokurudzirwa kuti usakurumidza kubvisa kubva pane 401 (k) chirongwa.
Kushandisa chete 401 (k) Mari inoshandiswa seIndaneti Yakare
Vamwe vakanaka 401 (k) zvikwereti zvinosanganisira zvikwereti zvekukwereta uye kukwikwidzana kwemari yezvikwereti.
Vanogona kunge vanogona kupa mari asi inowanzochenjera kuti urege kukwereta kune yako 401 (k) . Pane mukana wekutengesa iwe unogona kupotsa pazvikwereti zvinowanikwa paunenge uchibhadhara iwe chido. Asi dambudziko guru nderokuti iwe unogona kupedzisira uchibhadhara mitero uye zvikwereti kana iwe ukasiya basa rako uye haugoni kudzorera chikwereti chakakosha chemari mukati memazuva 60 kubva pakusiya mushandi.
Zvimwe Zvitanho: Ita chirongwa chekuita basa rekurega basa
Kuti uwane zvakanyanya pane 401 (k) chirongwa chako, zvakakosha kuva nechiratidzo chakajeka chekuti nei uchichengetedza zvekurega basa pakutanga. Isu tose tine tsanangudzo yedu yakasiyana-siyana yekuti shoko rokuti "retirement" rinorevei chaizvo. Kana iwe uchida kuve nechokwadi kuti uri kuita sarudzo dzakanakisisa newe 401 (k) tora nguva kuti uongorore zvinangwa zvako uye uongorore kuti mangani ematanho manomwe anotaurwa pamusoro apa atotora. Iyi kuongororwa ichakubatsira kukupa pfupi kuongorora kwaunomira.