Kunyangwe Penguva Dambudziko reMari, Izvo Zvine Njere Kuramba Uchibhadhara Purogiramu Yako Yekugara
Handibvumi. Ichi ndicho chikonzero iwe unofanirwa kugara-uye ndinoreva nguva dzose- zvibatanidze kune yako 401 (k) , kunyange iwe uri kuwira kumashure pamitemo yako. Rega ndidzoke zvakare: Usambofa wakamira kugovera kune yako 401 (k) kana pane nzira ipi zvayo yaunokwanisa kuibatsira nayo, pasinei nokuti yakaoma sei matambudziko emari.
Kuzorodza vanhu vanogona kuwana ma 401 (k) mari, uye 10% yechibharo chemitero iyo vakawanda vanowedzeswa , ndeimwe yezvikonzero zvikonzero zvekusiya mari yeAmerica iri munjodzi. Mumazuva ekare, iwe haungakwanise kukwikwidza mari yako yepenjeni pasinei nokuti zvinhu zvakaoma zvakava sei. Iye zvino, vanhu vanotendeukira kumabhuku avo, vachigara vachibhengi pamusana pokukwanisa kudzorera mari pane imwe nguva munguva yemberi. Idambudziko rakakwana.
Heano zvimwe zvikonzero zvinokosha zvekuenderera mberi kugovera kune yako 401 (k) hurongwa kunyange iwe uri kutambura mune zvemari:
- Mipiro kune yako 401 (k) inowanzopiwa mutero. Mune mamwe mazwi, mari yako yokubhadhara inoderedzwa, saka iwe unoguma uchibhadhara zvishoma mumutero. Kana iwe pachinzvimbo chekusarudza usingaregi madhora acho kunze, Hurumende nehurumende dzehurumende dziri kutora chikamu chikuru chekubhadhara kwako mumutero wemari. Kwete chete iwe unopedzisira uine mari shoma mubhuku rako rekubvisa mari , iwe unopedzisira usina mari shoma muruoko rwako nhasi. Izvo zvakadai sekuuraya nyama ye nyama nyama iyo iwe unogona kurarama kubva mazai kwenguva yakareba.
- Vashandi vakawanda vanopa zvipo zvinoenderana nemari inowanikwa mu 401 (k) nevashandi. Kana yako yakasimba iri kupa, taura, idhora-ye-dollar mutsara pa 3% yekutanga yebhadharo, mumwe munhu achiita $ 40,000 pagore aigona kuwana mari inopfuura $ 1,200 mubhadharo-inotambirwa-kungoita zvipo kune 401 (k ). Kana iwe ukamira, kwete chete iwe uri kubhadhara mitero yakakwirira yatakakurukura kwekanguva kadarika, asi iwe uri kuenda kurasikirwa nemari iyi nokusingaperi.
- Kana iwe uri nhamo zvakakwana zvokuti unofanirwa kuzivisa kubhadhara, mareji mazhinji achadzivirira maakisi enyu ekurega , kusanganisira 401k. Izvozvo zvinoreva kuti mari yakasarudzwa ichagara imomo apo zororo rako rose rakasvibiswa kana rakarongedzwa zvakare. Kana iwe uri mudambudziko, iwe unofanirwa kuisa zvakawanda zvingabvira munzvimbo ino yakachengeteka, kunze kwekusvika kune vakawanda vane chikwereti. Nenzira iyo, kana iwe wakabviswa, iwe une mukana wakaisvonaka kutanga pamusana pemutambo nemari yekutsvaga kukura kunze kwemari yako.
- Penguva refu kwenguva refu, kubhadhara mutero kunofadzwa ne 401 (k) kunogona kuguma neupfumi hwakawanda kudarika kana iwe wakanga watora matanho ako kana mutengo wemari mune rekwereti yekwereti . Kana iwe ukarega kugovera kune yako 401 (k) hurongwa, iwe unorasikirwa nezvose zvakakosha kukosha kwemari kuwedzera iyo ingadai yaenda kwauri.