Iko chikwereti, mari yakawanda pasina mari
Chimwe chezvikanganiso zvinowanzoitwa nevanhu ndeyekufunga kuti kukwereta kubva kune 401k yakafanana nekuenda kubhangi uye kutora mari kubva muakaunti yekuchengetedza.
Izvi hazvikwanisi kuwedzera kubva kuchokwadi. Paunokwereta mari kubva kune yako 401 (k), uri kutora chikwereti. Kungofanana nechikwereti chemotokari kana chikwereti chemusha, izvi zvinoreva kuti unovimbisa kubhadhara iwe unokwereta.
Paunotanga chikwereti kubva kurongwa hwako hwekugara, iwe unofanirwa kugadzira hurongwa hwekubhadhara, iyo inowanikwa mari yakawanda kubva kune imwe kusvika kune mashanu. Kubhadhara chikwereti kunotanga pfupi uye kunodzingwa kubva pamari yako yega. Kungofanana nekuti iwe waifanira kutora chero mhando ipi yechikwereti, ichi chava ikozvino mari yekugara inofanira kubhadharwa.
Kufarira uye Mari
Chimwe chinhu chaunofanira kufungisisa usati waita chikwereti chako chekurega basa chiri maererano nemari yakasiyana-siyana uye mari yekutora iwe uchakweretwa. Zvose zvirongwa zvinokweretesa chikwereti chekwereti chenguva imwe chete chinotangira mari iyo inogona kuva nepamusoro kwe $ 75, pasinei noukuru hwechikwereti. Izvi zvinoreva kuti kunyange kana iwe ukakwereta $ 1 000 uye ivo vakapa $ 75 mari, iwe uri kurasikirwa ne7,5% kubva kumusoro.
Mukuwedzera pamari, iwe unofanirwa kubhadhara kufarira sezvaunoda pane imwe chikwereti. Chinhu chimwe chakanaka pamusoro pechido ndechekuti uri kunyatsozvipa iwe unofarira. Saka, iwe uri kunyanya kuisa mari yakawanda muakaunti yako panzvimbo yebhangi inogamuchira kufarira. Chimwe chikwata chekuda mari ndiyo inowanikwa parizvino uye 1%.
Double Taxation
Kana iwe uchiyeuka, urongwa hwako hwekusarura huripo hunoitwa pamutambo usati watere. Izvi zvinoreva kuti iwe unoona kubhadhara mutero paunenge uchiita mipiro kune chirongwa, uye iwe unobva wadaro wakabhadharwa mune ramangwana paunotora mari kunze kwechirongwa. Zvinosuruvarisa, iwe paunotora chikwereti kubva pane chirongwa chako, unogona kuzviisa kune mamwe mimwe mitero.
Kunyange zvazvo nguva dzose 401 (k) zvipo zvinotorwa kubva mubhadharo yako pamutambo usati wabhadhara, mari yekubhadhara chikwereti haisi. Izvi zvinoreva kuti iwe uri kutora mari yekutora mari isati yabhadhara kubva kubhuku rako uye wozoidzorera nayo nemutero wemutero. Izvi zvinogona kuita kuti imwe yemari iyi ibhadharwe kaviri.
Kuwedzeredza Simba reKubatanidza
Kuwedzerwa kufarira ndeimwe yezvinhu zvikuru pane zvose zvaunenge uchienda iwe purogiramu yekubatira. Nokufamba kwenguva, kufarira uye kuwanikwa pamari iri mune account yako snowballs uye inogona kuunganidza zvakanyanya.
Kana iwe uchikwevera mari kubva mubhuku rako rekugara , iwe uri kuderedza mari yakawanda. Paunenge uchiripira zvishoma nezvishoma chikwereti nechimwe chechidimbu chinowedzera, chirongwa ichi chinononoka chekubhadhara chinogona kukanganisa chiyero icho mari yako inogona kukura kana yakaramba iri mukati mako 401 (k) semari yakazara.
Migumisiro Painosiya Murayiridzi
Sezvakataurwa pakutanga, iyi ndiyo chikwereti uye inofanira kubhadharwa.
Kana iwe uchizosiya mushandi anotsigira chirongwa chacho, iwe uchiri pachikwereti chechikwereti. Mune mamwe mamiriro ezvinhu, unogona kukumbira bhuku rebhupiti uye unoramba uchibhadhara, asi kana iwe ukakundikana kuchengeta zvikwereti kana usingagoni kubhadhara chikwereti zvachose, iwe uchakweretesa chikwereti.
Kana iwe usina kukwana 401 (k) chikwereti uye usati wasvika pamakore 59 1/2, IRS inobata chikwereti sekupararira iyo ingadai isingatariswi nemitero yemutero asi kuwedzera 10% yekutanga kutora chirango pamwe chete. Izvi zvinogona kukurumidza kuisa dent guru mukuchengetedza mari yako.
Mifungo Yokupedzisira
Zvinonzwisisika, hupenyu hunoitika, uye pane dzimwe nguva apo unonyatsoda mari yakawedzerwa. Zvichida, iwe unoda kuva nechikwata chekutsvaga chinogadziriswa kuti ufukidze mamiriro acho ezvinhu, asi kune vazhinji, kutendeukira kurongwa hwekurega basa kunogona kuva imwe yezvisarudzo zvishomanana.
Usati wapinda mu 401 (k) chikwereti, iva nechokwadi chekuti iwe unofunga nezveimwe yako dzimwe nzira dzako uye kutanga unonzwisisa zvakakwana zvekukwereta kubva kurongwa hwako hwekusarura kuchakudhura.