Kusina Wako 401 (k) Kufananidzwa Ndiyo Inodhura Mushonga Wokurasikirwa
Kugamuchira mupiro unofanirwa kubva kune waunoshandira unowedzera kukurudzira kuchengetedza mune yako 401 (k). Zvinosuruvarisa, kwete vanhu vose vari kutora mukana wekufananidzwa kwepurogiramu yavo.
Maererano neHealth Fargo ya 2017 Driving Plan Health Report, 37 muzana yemakumi ezviuru zvemakore, 31 muzana yeGen Xers uye 25 muzana yeBheek Boomers havasi kuchengetedza zvakakwana mune 401 (k) kuti vanakidzwe. Kunzwisisa kudhura kunogona kuve kunogona kuva chikurudziro kusimudza mari yako yekuchengetedza.
Iko 401 (k) Kubatanidza Mabasa
Hapana mutemo wakaenzana wekuti vashandisi vakawanda vanofananidza sei mune 401 (k). Uye vamwe vashandi havatauri mutambo zvachose. Pakati pevhesi, kunyange zvakadaro, mutambo unowanzodiwa ndeye dollar-for-dollar, kusvika kusvika 6 kubva pakutanga muzvipo zvevashandi. Mune mamwe mazwi, iwe unoda kuchengetedza zvikamu 6 kubva muzana yemari yako muurongwa hwako kuti unakidzwe nezana zana muzana.
Maererano neVanguard ya2017, iyo America Saves Report , 36 muzana yevashandi vakaderedza 3.9 muzana kana kuti vashoma muzvirongwa zvezvipo zvakasununguka muna 2016. Makumi makumi maviri nematatu muzana vakapa pakati pe4 ne6 muzana, vachiratidza kuti vashandi vakawanda vangave vasingazivi kukwanisa kwavo kuronga.
Saka chii chinogona kukanganisa mutsara paunowana mari yekurega?
Chii chine 401 (k) Chinokosha Chaizvo Chaizvo?
Funga kuti une makore makumi matatu, uchiita $ 50,000 pagore. Iwe uri kupa 3 muzana yemari yako mu 401 yako (k), ine 2 muzana gore rose. Mari yako inowanikwa ne7% yegore gore rekuda kwekudzoka paavhareji.
Kana mushandi wako achienzanisa 100 muzana yemipiro yako kusvika kune 6 kubva pakutanga muzana yemari yako, iwe unenge uine madhora 540 000 akachengeterwa kubhadhara nemakore 65.
Izvo hazvina kunaka asi funga kuti nhamba idzi dzinoshandura sei kana iwe uchiwedzera kusarudzwa kwako kusarudzwa kusvika ku6 muzana, pamwe chete nomushandirwi. Pakaenzana rekudzoka pamusoro pehuwandu hwenguva, 401 (k) yako yaizokura kusvika madhora 1,1 mamiriyoni. Izvozvo zvinokurudzira zvakanyanya kuwedzera zvipo zvako zvishoma zvakakwana kuti uwane kukwanisa kutarisana.
Kuwana mutsara kukura mari yako kunoreva zvinhu zvakawanda kuti uwedzere pahutano uye zvinogona kubatsira zvikwereti zvako zvichengetedze kutengesa . Maererano naLIMRA, kuwedzera kwezvikamu zve2 muzana pane makore makumi maviri kunogona kuderedza kushandiswa kwesimba rekutsvaga kwako nemadhora anodarika $ 73,000. Kuva nezvakawanda mumitero-yakaderedzwa 401 (k) inogona kubatsira kuderedza kushandiswa kwemitengo yepamusoro mukurasira.
Ziva Maitiro Azvo Matanho Ako Akashanda
Kufanirwa kwekuzara kwemutambo mu 401 yako (k) kunoda zvinhu zviviri: ruzivo rwekuita kwaunoita chirongwa chako chinokodzera uye chido chekugadzirisa mupiro wako wekupa.
Somuenzaniso, apo dhora-ye-dollar kusvika 6 kubva muzana inogona kunge yakanyanya kufanana, ini handiyo chete inoratidzira chirongwa chinowanikwa .
Zvimwe zvirongwa, somuenzaniso, zvinokwana 100 muzana yekutanga 3 muzana yaunopa, saka 50 muzana ye3% inotevera. Kunyange zvakadaro zvimwe zvirongwa zvinogona kupa mupiro wepurogiramu yemugove, pasinei nokuti unozvidzivirira sei muurongwa. Kuziva kuti nzira yako chirongwa chinoshandisa chingakubatsira sei kugadzirisa kuwanda kwekuchengetedza kwako.
Kuzvidzivirira-Kuwedzera Wako 401 (k) Kuponesa
Kana iwe wakarongedza hurongwa hwako uye uwandu hwekufambisa kwako uye uri kutadza, kuwedzera kwekuzvipira kunogona kukubatsira iwe kusvika pane zvaunoita zvinotarisirwa nenguva. Kuwedzera kwekutsvaga kwekutsvaga kunongosanganisira kuwedzera zvipo zvako kune yako 401 (k) nehumwe huwandu hwegore negore. Izvozvo zvinotora dambudziko kunze kwekuyeuka kugadzirisa hurongwa hwako uye kana kuwedzerwa kwegore negore kunowirirana nekukwira gore negore zvakaenzana, iwe haufaniri kukanganisa chero mari yakawedzerwa inouya kubva mubhadharo yako.
Kudzika-kutama kunogona kuva nzira ine simba yekushandira kuwana mutsara munguva. Kutsvakurudza kubva kuFidelity Investments kunoratidza kuti 401 (k) zviyero zvakawana nguva yose yakakwirira ye $ 92 500 pamwero wevhesi yechina yegore ra20166. Kuwedzerwa kwakatendwa kunokonzerwa nekushandiswa kwekudzika kwevanhu pakati pevashandi.
Kana hurongwa hwako husiri kupa huwandu hwemotokari sechisarudzo, iwe unogona kusvikira kune chirongwa chako mutungamiri kugadzirisa mupiro wemugove wako gore negore. Dzokororai bhajeti yako kutanga kuti uone kuti iwe unokwanisa sei kuwedzera zvipo zvako. Zvadaro, chikonzero kana iwe uchange uchingokura. Kubva ipapo, iwe unogona kuona kuti iwe unogona kuwedzera sei kurongwa hwako.
Tarisa Kupfuura Zvako 401 (k)
Yeuka, kune mamiro ekuwandisa kwaungaita muna 401 (k). Kwegore ra2017, mutengo wegore negore ndewe $ 18,000, kana $ 24,000 kana uri makumi mashanu kana kupfuura. Kana iwe ukakwanisa kurova chiyero ichocho gore rimwechete-kana kana yako 401 (k) haina kupa mutsara-iwe unogonawo kuchengetedza munyaya yekubvisa mari. Chimiro kana Roth IRA inobhadhara mitero yekubhadhara mari uye imwe nzira yekuwedzera mari yako. Iwe haungatongobatsiri mupiro unoenderana.