Nzira Yokutora Mari Kubva Purogiramu 401 (K)

Dzivisa zvikanganiso zvinodhura paunotora mari kubva kune yako 401 (k) hurongwa

Munyika yakaisvonaka, munhu wese aizodzoka kune 401 (k) mari chete kusvikira vachichida iyo yekurega basa. Izvozvo zvinogona kureva kuenderera mberi kune IRA asi mumamiriro ezvinhu ose, kwete kubudisa mari yacho isati yasvika pakusvika kumakore ekurasikirwa. Izvi zvinogona kubvumira mari kuti iwedzere kusvika pakuwanda kwayo. Mukutsvaga, nguva chaiyo ndiyo yako yakanakisisa. Pane imwe nguva, iwe uchatanga kutora kuparadzirwa. Heino izvo zvaunofanira kuziva.

Nzira yakanakisisa yekutora mari kubva kune yako 401 (k) hurongwa ichaenderana nezvinhu zvitatu:

• Zera rako
• Ungave uri kushanda kwekambani inotsigira 401 (k) chirongwa chako
• Mitemo yako 401 (k) yeurongwa

Nzira Yokutora Mari Kubva Purogiramu ye 401 (K) Paunenge Usisashandi Kubhadhara

Kana iwe usisiri kushanda nekambani yakatsigira 401 (k) chirongwa chako, kutanga taurira 401 (k) chirongwa chemukuru kana kudana nhamba pane yako 401 (k) chirongwa cherongwa. Vabvunze kuti vangabvisa sei mari kunze kwechirongwa.

Sezvo iwe usisiri kushanda ipapo, haugoni kubhadhara mari nenzira ye 401 (k) chikwereti kana kutora dambudziko rekuregererwa. Iwe unofanira kutora kugovera kana rollover yako 401 (k) kuIRA.

Chero mari yaunotora kubva kune yako 401 (k) chirongwa chichawira mune chimwe chezvikamu zvitatu zvinotevera, mumwe nomumwe ane mitemo yakasiyana yemitero:

• Nguva dzose 401 (k) kubvisa - Izvi zvinoshanda kana iwe usisiri kushanda kumushandi akatsigira 401 (k) chirongwa uye iwe uri kupfuura makore 59 ½, (mune zvimwe zviitiko unongoda kuva nemakore makumi maviri nemashanu , kwenguva refu sezvo iwe wakanga uri makore makumi maviri nemashanu kana apfuura pakurega iwe wakabuda mubhadharo kubva kune uyo mushandi). Uine 401 (k) kurega kubhadhara iwe uchabhadhara mutero wemari pamutengo waunotora asi hapana mutero wechirango uchashandiswa.

• Pakutanga 401 (k) kugoverwa - Izvi zvinoshanda kana iwe usati wava nemakore 59 ½ kana usakodzeri kuti usvitse makore makumi maviri nemashanu uye hausisiri kushanda kumushandi akatsigira 401 (k) chirongwa. Iwe uchabhadhara mitero yemari uye 10% yemhosva yemutero kana iwe uchitora mari kubva kune yako 401 (k) uronga sekuparidzirwa kwekutanga. Kana iwe uri kubhadhara kubva kune yako 401 (k) kuronga kare kare nekuda kwechikwereti kana zvikwereti, funga kaviri. Yako 401 (k) yefuma inodzivirirwa kubva kune chikwereti.

• 401 (k) Rambai kuIRA - Munogona kukwanisa 401 (k) mari yekodha kuIRA pane imwe kambani yaunosarudza. Iwe haubhadhara mitero kana ukaita rollover kune IRA uye mari yako inogona kugara muIRA yako kuitira kuti iwe ushandise gare gare. Ipapo iwe unogona kubvisa mari kubva kuIRA yako chete sezvaunenge uchida. Iwe uchangobhadhara mitero pane zvaunodzinga gore negore. NeIRA, iwe uchavawo nesarudzo yekushandisa mutemo unokosha unonzi 72 (t) kubhadhara zvinokubvumira kutora mari kunze uye kudzivisa kutanga kutora mutero wekutengesa.

Nzira Yokutora Mari Kubva Purogiramu 401 (K) Pano Paunenge Uchishanda

Vamwe 401 (k) zvirongwa hazvibvumi kuti ubvise mari kunze kwechirongwa iwe uchiri kushanda ipapo. Zvimwe zvirongwa zvinopa zvisarudzo zvishomanana zvakadai se 401 (k) chikwereti, kubvisa dambudziko, kana kushandiswa kwebasa.

• 401 (k) Chikwereti - Vakawanda 401 (k) zvirongwa zvinokubvumira kubvisa mari kunze kwechirongwa kuburikidza ne 401 (k) chikwereti chaunokweretesa chikwereti chako. Iyo yakawanda yemari yemari yakabvumirwa inowanzova shoma ye $ 50,000, kana hafu yesara yako yakagadzirirwa 401 (k) chikero chebhuku. Iwe uchabhadhara chikwereti uye apo mari iri kunze kwekambani haisi kuwana mari saka shandisa izvi sarudzo chete mumatambudziko.
• 401 (k) Matambudziko Kubviswa - Vamwe asi kwete yose 401 (k) zvirongwa zvinokubvumira kutora dambudziko rekuregererwa kana mamiriro ako akakodzera pasi pekutambudzika.

• In-Service Distribution - Mazana mashoma 401 (k) zvirongwa zvinokubvumira kubvisa mari kunze kwechirongwa iwe uchiri kushandiswa uchishandisa chimwe chinhu chinonzi "kushandiswa kwebasa."

Muzviitiko zvose zviri pamusoro apa, chengetedza ne 401 (k) chirongwa chemukuru kana kudana nhamba pane 401 (k) chirongwa cherongwa kuti uone kana vachibvumira izvi zvingasarudzwa.

Nzira Yokutora Nayo Mari Kana Uri Mupi webumbiro re 401 (K)

Kana iwe uri mupi wekodzero ye 401 (k) , mitemo inoshandiswa pakutora mari kubva kune 401 (k) chirongwa chakasiyana zvakasiyana. Zvisarudzo zvako zvichatsigira kana iwe uri wawakaroorana naye 401 (k) chirongwa chekuita nhengo kana kuti kwete munhu waroorana naye, uye kana 401 (k) chirongwa chekubata chikamu chaive nemakore 70 ½ kana kwete.