Purogiramu yekugoverana ndiyo chirongwa chinorondedzerwa chirongwa chekubatsira kunoita makambani anobatsira vashandi kunze kwekurega basa. Nekugoverana purogiramu, zvipo zvinobva kune wavanoshandira ndezvikonzero. Izvozvo zvinoreva kuti kambani inogona kusarudza gore negore kuti yakawanda sei kupa (kana kuti kugovera zvachose) kune chirongwa chebasa. Kana kambani isina purofiti, haifaniri kupa michero kune chirongwa.
(Asi kambani haifaniri kuva yakabatsirika kuva nepurogiramu yekugoverana.) Izvi zvinogadziriswa zvinoita kuti ive urongwa hukuru hwekushandira zvekushandira pamakambani maduku kana mabhizimisi emhando ipi zvayo. Kunyanya iyo inofananidzwa nehupfumi hwehutano hwevashandi kune kubudirira kwekambani.
Purogiramu Sharing Plan Maximum Contributions
Kunyange zvazvo pasina mari yakatarwa inofanirwa kubatanidzwa kurongwa wekugoverana kwebatsiro gore roga roga, pane mari yakawanda inogona kugoverwa purogiramu yekugoverana kwebasa kune umwe neumwe mushandi. Nhamba yacho inodhindurwa kwenguva yakareba nehutsika. Mupiro wemugove wepamusoro wepurogiramu yekugoverana kwepurogiramu ishoma ye100% yemari kana ye $ 54,000 muna 2017. Zvimwewo, mari yaunopiwa iwe iyo inogona kutorwa mukufungisisa kana kugadzirisa waanoshandira uye mhizha yevashandi ishoma. Mari yekugadzirisa iri $ 270,000 muna 2017.
Kubatsira Kwazvo Kugoverana Kugovera Purogiramu Inoshanda
Kusiyana ne1401 (k) vakaronga vatori vechikamu, vashandi vane zvirongwa zvekugovana mari havaiti zvipo zvavo.
Asi kambani inogona kuva nedzimwe mhando dzezvirongwa zvekurega basa, zvakadai se 401 (k), pamwe chete nehuwandu hwekugoverana. Vashandi vanogona kuwana mari yavo yezvikwereti nenzira yemari kana kambani yekambani. Kazhinji, mipiro inogadzirwa nekodhi yakabhadhara mitero yekubvisa mari iyo inobvumira kusunungurwa kusina mhosva kunotorwa mushure mezera remakore 59 1/2.
Zvimwe zvirongwa zvinopa kusanganiswa kwezvakabhadhara mari uye mari, uye mari iri kugoverwa uye kubhadhara mitero zvakananga pamari inowanikwa yemari (yakadai sechipo chekurega basa pamwe nemabhonasi egore negore). Kana iwe uchisiya kambani, unogona kutamisa zvigadziri kuumba purogiramu yekugoverana muR Rollover IRA. Kugoverwa kutorwa kusati kwasvika makore 59 1/2 kunogona kuve pasi pekutongwa kwe10%. Paanenge achishanda, mushandi anogona kukwanisa kutora chikwereti kubva kune purogiramu yekugoverana.
Ndiani Anoita Zvakakosha Kugovana Purogiramu
Vashandi havafaniri kuita chimwe chinhu kuti vabatsirwe nemhando iyi yechirongwa, asi kambani inofanirwa kuverenga, kuronga uye mapepa.
Kana muvakidzani achisarudza kuita mari yekugoverana mari mune gore rakapiwa, kambani inofanirwa kutevera musarudzo yakagara yagadzirirwa yekusarudza kuti vashandi vanowanei uye zvakadini. Kugoverwa kwevashandi kunowanzogadziriswa sehuwandu hwekubhadhara. Mipiro inogonawo kupfeka kwenguva yakawanda maererano nesarudzo yakagadzirwa yokugadzirira .
Uyo mushandi anofanirawo kugadzira hurongwa hunotora zvipo, zvikwereti, kugoverana, nezvimwe, uye kuisa kudzoka kwegore negore nehurumende. Zvirongwa izvi zvingada mari yakanaka yekuchengetedza (asi vazhinji vatungamiri vehurongwa vachaita basa iri kune iyo kambani).
Pros uye Cons yeZvibatsiro-Kugovera Zvirongwa
Kana mushandirwi akaisa purogiramu yekugovana-pfuma vangasarudzawo kuchengeta mamwe mazano ekurasikirwa. Hapana zviyero zvekukura zvekambani nevashandi havafaniri kunetseka pamusoro pegore rekunyora fomu 5500. Chirongwa chokugoverana kune zvingave chakagadzirwa kuva chakareruka kana chakaoma sezvinodiwa nemushandi. Zvinokwanisika kutenga chinyorwa chepurogiramu yekugoverana-kubvumirana kubva purogiramu yekubvisa mari inobatsira mudzidzisi kana sangano rezvemari kubatsira kubvisa mutoro webasa rekuita.
Mipiro inogadzirwa pamusana pekuziva uye izvi zvinogadziriswa chinhu chinonakidza chekugovana-kugoverana zvirongwa. Izvi zvinogadzirisa hunoita kuti purogiramu-kugoverana zvirongwa zvakanaka kana kushamba kwemari inyaya. Chimwe chinogona kumira pasi ndechokuti kutarisira mari kune chido chekukwirira kupfuura pasi pezvimwe zvirongwa zvekutanga (SEP kana SIMPLE IRA inoronga).
Chimwe chinoda kutarisirwa ndicho chikonzero chekuongorora izvo zvikomborero hazvifaniri kusarura mukufarira kwevashandi vanobhadharwa zvikuru.
Mapurogirano ekugovana nekubatsirana anobvumira vashandi kupa zvipo chete. Muchiitiko chekuti kuregererwa kwemaawa kunowedzera kune chirongwa chokugovana-purogiramu, zvingadai zvichitsanangurwa se " 401 (k) chirongwa ."
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kunge iwe pachako huri hwaro chete hwekutsvaga kwako kana kutora musarudzo. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.
Yakarongwa naScott Spann