Nzira Yokutonga chirongwa che 401k

Vamwe 401k Zvirongwa Zviri Nani Kupfuura Vamwe. Ndezvipi zvako?

Chii chinokwana 401 (k) chirongwa chinoratidzika? Vanyori paBloomberg vakanyora urongwa hwekushanda kwemahofisi emabasa ekurasira mapurogiramu ema 250 emakambani makuru mazana mashanu muAmerica, maererano neEast & Poor's 500 index. Inopa ruzivo rwakakosha muzvirongwa zvinorondedzerwa zvezvipo zvevamwe vashandi vepamusoro. Zvimwe mhando dzakadai seBrightscope's Top 301k Plans List rinotsvaga zvirongwa zvepamusoro zvinosvika $ 1 biliyoni muzvinhu.

Inyevero: Kuverenga idzi mazita emazita zvinogona kukupa zvishoma 401 (k) godo. Chimbofunga chirongwa chechipo chinokonzera ruzivo, somuenzaniso, kubva kuConocoPhillips. Inopa inogona 9 muzana yevashandi mutsva pasina nguva yekudzivirira. Kunyanya kune imwezve yevashandi kana mugove wekugoverana kwepakati kubva 6 kubva muzana ne9 muzana. Phew, iyo chirongwa chakanakisisa!

Nenzira yakawanda, yakanakisisa 401 (k) inoronga inowanzopa mitsva yakawanda yemakambani uye inopa mhando huru yemari yakaderera mari yekodzero uye kuisa-iyo-uye-kukanganwa-iyo inotarisirwa-mari yezuva.

Mashoko akanaka ndeokuti kunyange kana iwe usingashandire kambani inopfuura 401 (k) hurongwa hwezvirongwa, chirongwa chekurega basa vanobatsiri vari kuramba vachifunga nezvekuderedza mari iyo inotungamirira kuwedzera mari yekuchengetedza mari kune vatori vechikamu.

Chii chinonyatsoita kuti urongwa huve huri nani kune umwe? Hezvino zvinhu zvishomanana zvingatarisa murota 401 (k) hurongwa.

1. Iwe Unogona Kutanga Kuisa Mari mu 401 (k) Kurudyi. Chirongwa chakanaka ndechimwe chinopa kukodzera nokukurumidza.

Ichokwadi, vamwe vashandi vanongotanga kunyora vashandi vatsva muurongwa hwavo.

2. Hapana Mitezo yekuti Unogona Kupa Mupi Wakawanda. Iko Internal Revenue Service inogadzirisa zviyero pamari yaunogona kugovera ku 401 (k) kana chirongwa chakafanana gore negore. Muna 2017, somuenzaniso, mari yakawanda yaunogona kuisa mu 401 (k) ndeye $ 18,000, kana kusvika ku $ 24,000 kana iwe uine makore makumi mashanu kana kupfuura uye uchiita mitsva yekuwana .

Iwe unofanirwa kukwanisa kubvisa urongwa hwako kana iwe uchida, asi mamwe makambani anoisa mimwe mitemo iyo yakaderera pane mirayiridzo. Vamwe vashandi vanorega kuisa zvipo zvekutora, izvo zvakagadzirirwa kubatsira vanhu kuti vawane zvakawanda sezvavanenge vava pedyo nemakore ekurasikirwa.

3. Iko Kune Vakawanda, Vakasiyana-siyana Kutengeswa Kusarudza Kusarudza Kubva. Iwe unogona kusashandisa zvizhinji zvekutsvaga kwekutsvaga mune yako 401 (k) , asi kuva navo ikoko kunogona kubatsira kukuvimbisa kuti iwe unogona kudyara munzira yaunosarudza. Panofanira kuva nehuwandu hwezvinhu zvakaderera, pasina mutoro wekubhadhara mari unosarudza kubva, kusanganisira mbiri uye mari yakarongeka.

4. Mushandi Anobatanidza Mupiro Wako. Anoshandira musikana we3 kubva pamapfumbamwe kusvika ku 6 muzana yemupiro wako wakafanana nekukwirirwa pamapfumbamwe kusvika ku6 muzana yemari yako. Mari iri nyore, yakagadziriswa nevashandi vane mitemo yakaenzana yakawanda.

5. Ronga Zvokudhura Zvakaderera Kana Zvakafukidzwa Nomushandi. Hazvisi nyore kuti uone zvaunobhadhara iwe 401 (k) , asi vamwe vashandi vanovhara mari yeurongwa pachayo apo vamwe vanopfuurira kuvashandi. Izvo zvishoma iwe uchibhadhara zvirongwa zvako uye maurimari mukati mako, iwe unowedzera mari yako yekugona.

6. Mari Icho Chinhu. Izvi hazvirevi kuti chikwereti chinangwa chakanaka, asi kana iwe uri munhizha 401 (k) chikwereti isarudzo yakanakisisa kupfuura kutanga kwekuregera.

Zvirongwa zvakakura zvichavawo nezvinetso zvekuregera kusarudzwa kune avo vanofanirwa.

7. Urongwa Hwakanzwisisika Hwakanzwisisika (kana Unopa Zvizhinji Zvedzidzo uye Nhungamiro). Kana uri kunzwa uchivhiringidzika usati wasvika purogiramu kana nguva dzose kana ukazarura chirevo chechina, hachisi chiratidzo chakanaka. Vashandi vehurongwa hwekugara basa vane zvigaro zvekuwana dzidzo yevatengesi zvakanaka. Iwe unofanirwa kunzwa wakasununguka kubvunza mibvunzo yakawanda uye ona kuti zvinhu zvose zvakajeka usati waita zvirongwa zvekuita.

8. Hapana Nguva Yokutora. Kana iwe waunoshandira achipa mutsara asi anokuita iwe kumirira kwemakore manomwe usati wanyatsobatsirwa, unenge uchiwana zvakadini kana pane mukana wakaisvonaka iwe unenge usingadi kubatisisa nguva iyo yakareba? Zvirongwa zvine nguva shoma kana kuti zvisipo zvekugadzirira zvinopa zvakawanda.

9. Zano-re-One Zano Riripo Kana Ukachida. Une mubvunzo?

Unoda iwe pachako mazano ekutsinhanisa mari? Chirongwa chakanaka chichakupa nzira yekuwana mumwe munhu pafoni anogona kukubatsira nezvinhu zvakadaro. Iwe unogona kunge uchibhadhara mari yakawedzerwa nekuda kwezano, asi chirongwa chakanaka chichaita kuti icho chijeke uye kuchengeta mari inonzwisisika.

Zviri pamusoro pepaiti ino zvinopa ruzivo uye zvinokurukurwa chete, uye hazvifaniri kuva chikonzero chezvisarudzo zvako zvekutsvaga. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.