Yako 401 (k) kuisa purogiramu inotarisa kuti unochengeta zvakadini iwe paunopedza
Chii Chakutsvaga?
Paunenge uchipa mupiro wemafanisiro ako, iwe unowana kodzero yepamutemo yekuchengeta zvipo. "Kuzvigadzirira" muchirongwa chekurega basa kunoreva umwene. Kunyanya, iwe wakasvika kusvika panguva iyo iwe unogona kubva (kana kubviswa) nekambani yako asi kuchengeta mupiro iwoyo.
Sevashandi iwe nguva dzose uripo 100% akapiwa muhomwe yako-kuregererwa mishandira purogiramu yekubvisa pabasa. Izvochete pfungwa inoshanda ne SEP uye zvipo zvisiri izvo zvakagadzirwa nemushandi. Mipiro ipi zvayo yaunofunga nemari yako ndiyo nguva yako yekuchengeta.
Chii Chinokurumidza Kuzvigadzirira?
Maererano neVanguard kuongororwa kwemazana 1,900 ekugadzirisa basa rekurasikirwa nemapato anopfuura mamiriyoni 3.9 vatori vechikamu, pasi pehafu (47 muzana) yemakambani anopiwa nokukurumidza kupa michero inobatanidza. Mushandi uyo anobva atengeswa mubhadharo yemari yake ane 100% ayo, uye mushandirwi haakwanisi kurasikirwa, kana kuitora, nokuda kwechikonzero chipi nechipi.
Somuenzaniso, kana mushandirwi wako achipa zvipo zvakakodzana, iwe une pakarepo unhu hwekuenzanisa. Nokukurumidza kukupa iwe unogona kupa mupiro nhasi uye kunyange kana iwe uchisiya mushandi wako mangwana, iwe uchange uri 100% wakapiwa muzvipo zvako uye mubhadhadzi wevashandi.
Pane imwe mamiriro ezvinhu angangodaro apo michero yako yevashandi ichave yakawanikwa 100%.
Kana kambani yako inoshandisa iyo inozivikanwa se " chikepe chakachengeteka ," iwe uri 100% inotengeswa muchikamu icho chemupiro wekambani.
Asi kana wako waunoshandira asingakwanisi kukupa nokukurumidza iwe uchada kutora nguva yekuziva kuti chirongwa chekugadzira chinoshanda sei.
Kutsvaga Zvirongwa
Kunyange zvazvo vamwe vashandi vachipa vhidhiyo pakarepo mari yekufananidza, mitemo yavo yakawanda inowanzoita kuti vashandi vashandise maererano nesarudzo yakatemerwa. Sezvo vashandi vakazvigadzirisa zvichienderana nekuwanda kwenguva yave vachive nevanoshandira, nokuda kwezvinangwa zvinowanzoitika iwe hauzokwanisi kusiya Lundira uye kutora mari inobatanidza mari yawakagamuchira China.
Kunyanya kutaura, marudzi maviri ezvirongwa zvekugadzirira ndeyekugadziriswa nekugadziriswa.
Graded Vesting Schedule
Neyo purogiramu yekutengesa yakawanda, iwe unopfeka mupiro wemushandirwi wako kune mamwe mahemberero emabasa ako. Kana iwe waunoshandira achishandisa purogiramu yekutengesa yakawanda, inogona kuva yakawanda kupfuura iyo yakatsanangurwa pasi apa, asi nokuda kwePension Protection Act ya2006, haikwanise kuva yakadaro:
- Mushure megore rimwe rekushumira: 0% yakawanikwa
- Mushure memakore maviri ekushanda: 20% akapiwa
- Pashure pemakore matatu ekushanda: 40% akapiwa
- Pashure pemakore mana ekushanda: 60% akapiwa
- Pashure pemakore mashanu ekushanda: 80% akapiwa
- Pashure pemakore matanhatu kana kupfuura ekushanda: 100% akapiwa
Cliff Vesting Schedule
Kufanana nekunzwika, purogiramu yekugadzira mabwende inoreva kuti kwenguva yakati iwe haugone kupiwa. Zvadaro, kufanana nokuenda pamatombo, iwe unogoverwa zvose kamwechete. Zvakare, chando chenyu chawakashandisa chirongwa chinogona kunge chichiwedzera pane chinorondedzerwa pasi apa, asi kuvhara kwako kuchaitika nekukurumidza sezvinotevera purogiramu inotevera:
- Mushure megore rimwe rekushumira: 0% yakawanikwa
- Pashure pemakore maviri ekushanda: 0% yakawanikwa
- Pashure pemakore matatu kana kupfuura ekushandira: 100% yakapiwa
Yeuka, mumwe nomumwe anoshandisa kupa mushandi wekushandira achigadzira nguva inenge iine purogiramu yekugadzira mhepo kana purogiramu yekugadzirira yakawanda, asi kwete mbiri.
Iva nechokwadi chokuti unoziva purogiramu yako yekushandira yaanoshandira zvikuru kunyangwe usati waita chero sarudzo huru.
Kuchengetedza kubhadhara kunokosha, saka hazvigoneki kuti iwe ungambozvipira kusiya uchida basa rako iwe usati wava kuda kupfeka mune mari yakawanda yevashandi inopa zvipo!
Yakarongwa naScott Spann