Kubhadharwa kwevashandi-vakapiwa mari kune imwe chirongwa chekubvisa mari yepamusoro maererano nesarudzo yakagara yagadzirirwa. Apo waunoshandira akakupa mari kunze kwekugara iwe mubhadharo wenguva dzose, iwe ungasava nehuwandu hwemari yemari iyoyo pakarepo. Nzira uye sei iwe paunowana pfuma yakazara yemari inozivikanwa sehurongwa hwekugadzirira.
Zvinorevei Kuita?
Kana iwe ukatora chikamu pane chinorondedzerwa chirongwa chekubvisa mari, yakadai se 401 (k) chirongwa , 403 (b) chirongwa kana 457 (b) chirongwa , chikamu chemari yako inopiwa zvakananga newe ndeye yako.
Iwe unogona kuwana zvakakwana mari iyoyo uye chero ipi zvayo inobhadharwa pamari iyo, pasinei nokuti unoshanda kwenguva yakareba sei kune kambani kana kana iwe uchisiya basa rako. Zvechokwadi, kana ukaedza kubvisa mari iyo kana kutora kugoverwa kubva ku-akhawunti yako usati wasvika pakusara kwemutengo wezera we 59 1/2, iwe uchave uri pasi pemitero uye 10% yemhosva yemhosva. Asi kana iwe rollover yako 401 (k) mune imwe sarudzo yevashandi kana IRA rollover, 100% yemipiro yako inofambisa neurongwa hwako.
Kuvhara kunouya apo apo mushandirwi achienzanisa zvipo zvaunoita kune chirongwa chokubvisa basa. Mushandi angangogara achienzanisa mupiro wega wega, asi tambanudza huwandu hwehuwandu hwako mumari iyoyo munguva. Paunenge wawana 100% umiridzi wewaunoshandira akaenzaniswa nemari, iwe ndizvo zvinozivikanwa sezvakakwana.
Nei Kuchengeta Kuchiripo?
Chikonzero icho makambani akashandisa purogiramu ndeyokukurudzira kuvimbika pakati pevashandi vavo.
"Zvechokwadi, kambani yedu inopa 401 mazana (k) maitiro akafanana. Asi kuti uzvizive zvizere, unofanirwa kusungira kwekanguva." Kusvika papi? Izvo zvinoenderana. Makambani akasiyana akasiyana nekugadzirisa zvirongwa.
Mitauro yeVesting Schedules
Kune zvitatu zvakasiyana-siyana zvekupa sarudzo dzemakambani ekurasira: kuwanikwa nokukurumidza, kutengesa mhepo, uye kupedza kudzidza kana kutengesa.
Kuzvigadzirira nokukurumidza zvichida zviri nyore kunzwisisa. Izvo zvinoitika kana pasina kubhadhara chaiyo kuchiitika zvachose. Vashandi vanozadza, pfuma chaiyo yevanoshandira-vanofananidza mari mumabhuku avo ekurega basa.
Nemahombe akavhara, mushandi aizowana hupfumi hwakazara wevanoshandira mushure mushure meimwe nguva, nemutemo, zvinogona kunge zvisisipo kudarika makore matatu nokuda kwerongwa hwekugara muhurumende.
Kuvhara zvikwereti kunowanikwa apo umiridzi hunoitika zvishoma nezvishoma nenguva. Chirongwa chekugadziriswa chinogona kuve chakakwana pashure pemakore mashanu ekubatanidzwa. Nechemitemo, nguva yakawanda yekubhadhara yakavharidzirwa inobvumirwa makore matanhatu). Inoshanda seiyi:
- Gore rimwechete: 0% rakapiwa
- Gore rechipiri: 25% yakapiwa
- Gore rechitatu: 50% yakapiwa
- Gore rechina: 75% yakapiwa
- Gore rechishanu: 100% yakapiwa
Kuvhota kweStock Option Kupiridzwa
Vamwe vashandi vachapa rubatsiro rwevashandi vekutsvaga mari , kana kodzero yevashandi kutenga (inozivikanwawo se "kurovedza muviri" ) chimwe chikamu chemari chikamu pamutengo wakatarwa. Kana mutengo wako wakatarwa wakanyanya kuderera kupfuura mutengo wemusika wezviyo apo iwe unoshandisa sarudzo, iwe wakaita pakarepo pesa. Zvirongwa zvekutsvaga kwezvikwata zvinowanzopfeka nenzira imwecheteyo kufanana nemipiro. Iwe unogona kuwana mano ekushandisa zvose zvingasarudzwa panguva imwe chete, kana kodzero yekusarudza zvimwe zvezvaunosarudza gore negore pamusoro pemakore emakore.
Havasi vashandisi vose vanofananidza zvipo kana kupa sarudzo dzekutsvaga. Avo vanoita purogiramu yavo yokugadzirira uye zvigadzirwa zviri pachena mberi. Saka kana uine mibvunzo pamusoro peurongwa hwako, unofanira kukwanisa kuwana mhinduro dzacho nyore nyore nekutaura nemumiririri wevanhu vamiririri kana kuti mutungamiri weurongwa hwekushandira mari.
Usati wabva pabasa, unogona kuongorora kufungidzira purogiramu yako yokugadzira . Kana iwe uri mwedzi mitanhatu kubva pane zvakazara zvakapiwa, somuenzaniso, iwe unogona kumira kumirira. Chero chipi nechipi chaunoita, usarega nguva yakareba yekuzvidzivirira ichiita kuti urege kugovera kurongwa hwekurega basa. Kunyange kana iwe usingamiriri kuzotarisira zvizere, kunyange 25% kana 50% yeanoshandira musikana zvinoreva mari yakawanda yekubvisa kwako.
Zvinonzwisisika: Zviri pamusoro pepaiti ino zvakagadzirirwa ruzivo uye zvinokurukurwa chete, uye hazvifaniri kunge zvisizvo bedzi zvekutsvaga kwako nekugadzirisa zvemari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.