401 (k) Mari inobatsira uye inokanganisa
Zvakakosha 401 (k) Nhepfenyuro dzeMari
Kunyange zvazvo 401 (k) zvirongwa zvinopa zvikwereti, chokwadi chokuti sarudzo inopiwa hazvirevi kuti iwe unofanira kutora mukana wekushandisa. Zvechokwadi, kakawanda kutora chikwereti kurwisana ne 401 yako (k) haisi iyo nzira yakanakisisa uye yakadaro yakanyorwa nevakawanda se "yekupedzisira kushandiswa". Asi sezvakaitika kune zvizhinji zvekusarudza zvemari, kune zvimwe zvikonzero nei kukwereta kubva iwe kuburikidza ne 401 (k) chikwereti chinonzwisisika.
Kana uri kutarisa 401 (k) chikwereti, iva nechokwadi kuti unoziva mitemo uye unonzwisisa zvakanakira uye zvisingabatsiri zve 401 (k) chikwereti iwe usati wasayina rutsara. Usati watanga, hezvino zvinhu zvipfumbamwe kuti uzive nezve 401 (k) chikwereti (chakanaka, chakaipa, uye chisingatengi).
1. 401 (k) Mari Inokwereta Zvikwereti
Muzvizhinji, unogona kukwereta zvishoma zvidhora makumi mashanu kana makumi mashanu kana imwe hafu yekubvisa mari yako. Kugamuchira chikwereti, iwe unofanirwa kubvumirana kutanga kutanga kuripa chikwereti pakarepo kana iwe uchizobhadhara nguva inotevera.
Kazhinji kazhinji, izvi zvinoitwa kuburikidza nehutano hwakanaka hwekutsvaga kwekutsvaga kubva pamari yako.
2. 401 (k) Mari inenge iine zvidimbu zverefu
Kunze kwekuti iwe usingashandisi mari iyi kuti uwane imba, unofanira kubhadhara chikwereti zvakare mumakore mashanu kana pasi. Kana ukakwereta mari kuitira kuti ugone kutenga imba, urefu hwechikwereti hunogona kuva hwakareba kwenguva refu, asi iva nechokwadi chekucherechedza dambudziko rekugumisa pasi apa.
3. 401 (k) Mari Haitendi Chikwereti Chekuona
Hapana cheko chekwereti ichaitwa kana iwe ukakumbira chikwereti 401 (k) sezvo iwe usingakwereti mari . Panzvimbo pezvo, iwe unopinda zvishoma nezvishoma mumari yako yekusasiya . Sezvo pasina chikwata chiri kukurusa iwe mari, hapana chikonzero chekuongorora chikwereti chako. Asi izvi hazvirevi kuti iwe haungabhadhara chikwereti.
4. 401 (k) Mari inenge iine Kumukwi
Pasinei nemari yako chikwereti , iwe uchabhadhara kukwikwidzana kwechirwere chekuda pane 401 (k). Mutengo wacho unowanzowanikwa munharaunda yepamusoro, iyo inowirirana nezvikwereti zvinowanikwa nevatengi. Zvichiri nani, iwe uchabhadhara mukuru wechikwereti uye chido , iwe pachako, kwete kubhangi kana imwe nzvimbo yezvemari. Nhamba yose yemari yekubhadhara chikwereti inodzokera kumashure e 401 (k) account.
5. 401 (k) Mari inenge yakaderera kana kwete Mvumo yekushandira
Sezvo 401 (k) chikwereti hachisi chikwereti chechokwadi, chero mari yekushandira inowanzosawanda. Zvisinei, kana chirongwa chako chine mari yekutanga iyo inowanzoenda kune chirongwa chemukuru uye kwete kudzokera mukodha yako. Zvirongwa zvakawanda zvekutengesa uye kubhadhara mari inotangira kusvika ku $ 75 nemari. Izvi zvinoreva kuti kana ukwereta $ 1 000 iwe unogona kurasikirwa ne7,5% pakarepo. Saka zvakakosha kubhadhara mari yekukweretesa kana kune mari yekutanga kana mari yekushandira.
6. 401 (k) Kuwanikwa Kwechikwereti muHurumende Yakakosha Kukura
Mari yako yakakweretwa 401 (k) mari haichazogadziriswa kubhadhara kwako nguva yose mari iyo yakakosha kubva kune yako 401 (k) chirongwa. Nokudaro, iwe unorega zvose zvinogona kuwanikwa kubva kune mari yakakweretwa kuitira nguva yako 401 (k) chikwereti. Asi zvichida zvakanyanya kukukanganisa, iwe unorasikirwa nekunowanikwa kubva kune chidimbu chinowanikwa. Saka rangarira, apo iwe unokwereta kubva kune yako 401 (k), uri kukwereta kubva kumunhu wako weramangwana uye kunyange apo iwe uchibhadhara mutungamiri uye nharaunda, iwe unenge uchinge usingazoputsi kunyange mumashoko ekurasikirwa kwekusimudzirwa kwekutsvaga panguva yaunotora basa .
7. 401 (k) Maripo inobhadharwa neAfter-Tax Money
Kusiyana nekokutanga 401 (k) zvipo zvinenge zvichida kubhadhara mutero, apo iwe unobhadhara 401 (k) chikwereti chako, iwe unozviita nemutero wemutero (kana mushure mekare) madhora .
Nekudaro, $ 100 yekubhadhara chikwereti kunoderedza mari yako yekudzorera kumba ne $ 100. Zvakaipisisa, paunotora mari yacho kubva kune yako 401 (k) uronga panguva yekurasikirwa, iwe uchabhadhara mutero pamari imwechete zvakare.
8. 401 (k) Mitemo Yokubhadhara inotsigira Basa
Kune ngozi chaiyo ine 401 (k) zvikwereti izvo vanhu vakawanda vasingazvizivi, iyo ndiyo ngozi yekubviswa kwebasa. Chikonzero chekugumisa chinokonzera njodzi yakadaro ndeyokuti mazwi e 401 (k) zvikwereti zvinowanzobatanidza kuhutano hwako hwemabasa nemushandi. Hazvinei kuti chii chinokonzera, kana ukamira kushanda newaunoshandisa ikozvino, iyo yose yakasara yemari yekwereti ichave yakakonzerwa nemutero wekutumira mutsara (kusanganisira kuwedzerwa). Pasi pemutemo wakatarwa mutero we 401 (k) zvikwereti zvaifanira kuitika mumazuva makumi matanhatu kubva pakusiya basa. Kunyange zvazvo iwe usingakwanisi kubhadhara chikwereti chechikwereti panguva iyoyo yakakurumidza nguva, mari yose yausingakwanisi kubhadhara inoonekwa sekuparadzirwa, iyo inogona kuendeswa kune yepamusoro inotora mari yemutero, mutero wemutero , uye kugoverwa kwekutanga penalties .
9. 401 (k) Maripo inenge ichiri nani pane kuparadzirwa
Kunyange zvazvo 401 (k) chikwereti kune zvimwe zvingabatsirwe, zvikanganiso zvayo zvakakosha zvinofanira kudziviswa kunze kwepanguva yekuda mari yepamusoro. Vazhinji varongwa vezvemari vanokurudzira vanhu kuti vaite sokunge mari yavo yokurasikirwa inopera mitemo. Nguva dzose zviri nani kuva akagadzirira nokuda kwekutsvaga kwezvemari nemari inokurumidzira kana inshuwarisi yakakodzera. Kunyange zvakadaro, kana yako chete imwe nzvimbo yemari mune imwe nguva yengozi yakakosha iri kuparadzaniswa kwema 401 (k) mari, 401 (k) chikwereti ichiri chakanakidzwa kusarudzwa. Izvi zvinokonzerwa nekuti kunze kwekuti iwe wapedzeswa mukati mehupenyu hwechikwereti, unogona kudzivisa kubhadhara mutero wemari uye zvikwereti zvaunenge uchizogovera. Ingozviziva kuti kukwanisa kwe 401 (k) kukwereta kusarudzo kune zvimwe zviitiko zvokufunga.