Pakutanga 401 (k) Kubhadhara Kunogona Kuzviisa Kune Zvakawanda Kupfuura Mutero Wose Wokubhadhara
Asi kana uchida kubhadharwa kweimba itsva, dzidzo yekorogi yevana vako, kana kunyange mari yezvisingatarisirwe zvemari zvinotarisirwa, zvinokosha kuti uende mberi zvakanyanyisa paunenge uchitarisa 401 (k) kubvisa.
Zvose 401 (k) kubvisa zvinoreva kupa zvipo zvinokosha zvezvipo zvako zvakagadzirwa zvakaoma kare. Vanogona kutotungamirira kune mitero yepamusoro yemari uye zvimwe zvikwereti.
401 (k) Mitemo Yokuregererwa Kwebhuku uye Mhosva
Chimwe chezvinhu zvinobatsira zvikuru zve 401 (k) chirongwa ndechokuti mupiro wega wega unounza mitero inobatsira. Haisi chete mutero wako wekupa mubayiro unotsvaga nhasi, asi zvipo zvako kune akhawunti yako zviri kukurawo mitero-yakadzorerwa . Asi izvi zvinobhadhara mitero zvinoshanda chete kana iwe uchiteerera mitemo yeurongwa, uye mitemo iyi inogadzirisa zvose kubva pauwandu hwekuti iwe unogona kupa chirongwa chegore negore kana uchikwanisa kubvisa mari kubva pane chirongwa chekuregererwa.
Nezvisizvo zvisingawanzoiti, zvose zvetsika 401 (k) zvinotora mari zvinokonzerwa semari inowanikwa, kunyange zvazvo Roth 401k yezvinhu inotarisirwa zvakasiyana. Mamiriro ezvinhu akanaka, haungatori mari kubva kune yako 401 (k) kusvikira wapedza basa.
Iwe unobhadhara mutero wemari kune avo vanobvisa sezvawakaita nemari imwe neimwe yawakagamuchira pawakashanda. Asi vanhu vakawanda vanoona kuti vari mubhasikiti yepamusoro yepamusoro mukurasira kupfuura zvavakanga vari mumakore avo ekushanda, uye izvi zvinogona kuwedzera kune imwe yemari inosungirwa mutero.
Asi kana iwe ukabvisa mari kubva kune yako 401 (k) usati wasvika pazera remakore makumi mashanu nemashanu, haungabhadharisi chete mutero wemari pamutengo waunotora, asi iyo mari inowanikwawo kune 10 muzana yekutanga kushambadzira mutero mutero .
Ndiyo apo zvinhu zvinokurumidza kunyanya. Kune vamwe vanhu, izvi zvinogona kureva kuderedza chiyero chawakasiya kubva hafu yega mushure mekubhadhara mitero uye zvikwereti! Haisi kungoti "kurasikirwa" kuti mari yekubhadhara mitero nhasi inokuvadza asi iyo ichaita kuti iwe usati wasiya basa.
Kusiyanisa kusvika 401 (k) Kubhadhara Kurangwa
Izvozvo zvakati, kune zvakawanda zvisiri izvo kune 10 muzana kutanga kwekupihwa chirango chinotarisirwa kuderedza zvimwe zvekurasikirwa kwemari mune dzimwe mamiriro ezvinhu. Pasi pemamiriro anotevera, 401 (k) kuregererwa kunoitwa mushure mokunge uine makore 59 ½ hakubvumirwi nemhosva yekuwedzera:
- Iwe unofa, uye nhoroondo yacho inobhadharwa kune waunowana
- Iwe unodzima
- Iwe unogumisa basa uye unenge makore makumi mashanu nemashanu-akare
- Iwe unobvisa chikamu chiduku kudarika chinenge chichibvumirwa sekuderedzwa kwemari yezvokurapa
- Iwe unotanga zvikwereti zvakakwana zvakaenzana nenguva (ona Rute 72 (t) )
- Kubvisa kwako kwakabatana nehutano hwehukama hwehukama
Kubhadhara mune imwe neimwe yezviitiko izvi zvinongowanikwa pasi pemitero inowanikwa pamitero, kwete iyo inowedzera 10 muzana chirango, asi kuregererwa kunofanira kuitwa maererano nekugadzirisa mitemo uye nemabhuku akakodzera. Iva nechokwadi chokuti uzvidzidzise pachako nezvezvirongwa zvepurogiramu yako usati watora kubvisa kwakadaro.
Zvimwe 401 (k) Kufungidzirwa Kwokutanga Kubva
Mukuwedzera kune zvikwereti nemitero inokonzerwa nemakore 401 (k) kusununguka kwokutanga , iwe ucharasikirwa nehutano hwekutsvaga kwekutsvaga kwekutsvaga kwehupfumi urongwa hwemari. Kune miganhu yegore negore yemari yaunogona kugovera kune chirongwa che 401K , saka iwe haugoni kuita kuti uende shure zvakare. Zvisingatauri, zvingava zvakaoma zvikuru kuchengetedza zvakakwana kuti "kubata" pane zvakarashika kuwana uye chikwata chinowanikwa.
Kunyange zvazvo 401 (k) zvikwereti zvine zvikwereti zvadzo zvakakosha, unogona kufunga nezvechikwereti chakadaro kana iwe uri mune imwe nhepfenyuro yemari uye yako chete sarudzo inoratidzika kuva mari yako yokurasikirwa . Kunyange nezvipingamupinyi zvaro, chikwereti 401 (k) chikwereti kazhinji chinonyanya kufanirwa kubuda zvachose 401K , kunyange zvazvo zvisina kunaka.
Kurambidza 401 (k) Kubhadhara uye RMDs
Kune rumwe rutivi rwemagetsi, vanhu vazhinji vanogona kunonoka kugamuchira kugoverwa kubva kune avo 401 (k) zvirongwa uye nokudaro vanowedzera zvikwereti zvekuwedzera kwavo kwemitero kusvika musi waApril 1 wegore rinotevera gore ravanosvika kusvika makore 70½.
Mushure maizvozvo, unofanira kutora zvishoma zvishoma zvinoshandiswa kugovera kugovera (RMD) gore negore.
RMD yako inotaridzika seyeri yekodha yako seyokutanga kwegore iri mubvunzo yakapatsanurwa nehupenyu hwako hwekutarisira sekusarudzwa ne IRS muTeiform Life Expectancy tafura . Chimwe chinhu chiripo kana mumwe wako ari iwe chete unobatsirwa uye iye anopfuura makore gumi ari muduku kudarika iwe. Kufanana nekuregera kwekutanga, kusatora RMD yako yegore negore inouya nechirango chakasimba. Chirango chekurega kutora RMD yako chikamu chikamu makumi mashanu kubva mutsetse pakati pezvaifanira kugoverwa uye chii chaicho chakatorerwa.