Uyirhoxisa njani imali kwi-401k

Uyikhupha njani imali kwi-401k. Ndingayifumana njani imali yam kwi-401k?

Ukurhoxisa imali kwi-401 (k) sisigqibo esihle . Iinkcukacha zendlela yokufumana imali kwi isicwangciso 401 (k) Kuxhomekeke kubudala bakho, icebo lomqeshi, nokuba usasebenza kwinkampani exhasa isicwangciso sakho sama-401 (k), kunye nohlobo lomhlala-phantsi owenzayo.

Ukuba ufikelele kwiminyaka yobudala yokuthatha umhlala-phantsi kwaye awusasebenzi, iyakuba yinkqubo eyahluke kakhulu kunaleyo yokuba useseshishini, ukhupha imali kwangethuba, okanye ufuna imali-mboleko. Kuya kufuneka ujonge ukuprinta okuhle kwisicwangciso sakho ukuze ubone ukuba zeziphi iintlobo zokurhoxa ezivunyelweyo.

Ngaba ndingayifumana imali kwi-401 (k) yam ngelixa ndisebenza?

Ayingabo bonke abaqeshi abakuvumela ukuba uthathe imali kwisicwangciso sakho sama-401 (k) ngelixa ndisebenza. Hlola kunye no-401 (k) isicwangciso somlawuli okanye umboneleli ukuze ubone oko kunokwenzeka. Ngokubanzi, uya kuba nakho ukuthatha i-401 (k) mboleko, umhlala-phantsi wobunzima, okanye ukuhanjiswa kwenkonzo.

Uyifumana njani imali kwi-401 (k) ngelixa uqeshwe

1. 401 (k) iimali-mboleko

Ndingayifumana njani imali yam kwi-401k? Thatha mboleko 401 (k) ikuvumela ukuba ufumane isambuku semali yakho yangoku engama-401 (k) kwaye ubuyisele ezo mali ngentlawulo etsalwe ngokuthe ngqo kumvuzo wakho. Ezi ntlawulo zibandakanya inqununu kunye nenzala. Abanye abaqeshi bavumela kuphela iimali mboleko ezixinzelelekileyo, kodwa abanye bavumela i-401 (k) iimali mboleko kubasebenzi abafuna ukuboleka imali yokuthenga indlu, ukuqeshisa imoto, okanye ukuxhasa ezinye iindleko ezinkulu.

Uninzi lwezicwangciso zinciphisa umboleko kwi $ 50,000 okanye kwisiqingatha semali yakho eseleyo , Kuxhomekeka kweliphi elingaphantsi. Nangona kunjalo, unokuboleka ipesenti ephezulu ukuba iakhawunti yakho ixabisa ngaphantsi kwe- $ 20,000. Kuhlala kungekho maphepha maninzi kwaye akukho lukhangelo lwamatyala. Kuya kufuneka uhlawule umrhumo omncinci wokuqhubekeka, kodwa kusenokwenzeka.

Ngokwesiqhelo, kuyakufuneka uhlawule imali ebolekwe kwisithuba seminyaka emihlanu, ngaphandle kokuba uxhasa imali yokuhlala kwindawo yokuqala kunye nemali mboleko. Uya kuhlawula imali mboleko ngemali yerhafu, ngokuchasene negalelo lokuqala lama-401 (k), ahlawulelwa irhafu ngokubanzi. Kuya kufuneka uqaphele ukuba i-401 (k) mboleko iyakucothisa ukukhula kwakho kotyalo-mali njengoko ungazukufumana nzala yokudibanisa kwimali oyibolekileyo kwisicwangciso sakho.

2. Ukurhoxiswa kobunzima bezezimali 401 (k)

Ukuba uhamba ngexesha elinzima ngakumbi kwaye ubonise isidingo esomeleleyo nesikhawulezileyo sezemali , uninzi lwee Izicwangciso ziya kuvumela ukurhoxa kobunzima . Izizathu eziqhelekileyo zokurhoxiswa koxinzelelo zibandakanya iintlawulo zokuphepha utyhilo okanye ukugxothwa kwindawo ohlala kuyo , intlawulo esezantsi yakho ikhaya lokuqala , iindleko ze umngcwabo okanye umngcwabo , izifundo zekholeji okanye abanye iifizi zemfundo , iindleko oogqirha okanye ukulungisa umonakalo ekhayeni lakho. Kuya kufuneka uchaze ubunzima bakho kwi-401 (k) yomlawuli. Ngamanye amaxesha, umboneleli wakho unokucela ukuba ubonelele ubungqina bobunzima.

Ukurhoxiswa kwemali sisohlwayo kwiimeko ezithile Njengokuba ityala lakho lonyango lingaphezulu kwe-7.5% yengeniso yakho ehlaziyiweyo, ukhubazekile, okanye inkundla ifuna ukuba unike imali iqabane eliqhawule umtshato, umntwana, okanye umntu oxhomekeke kuwe. Olunye urhoxiso ngenxa yeengxaki zemali luya kufumana isohlwayo se-10%. Kuya kufuneka usoloko uhlawula irhafu yarhoqo kwimali erhoxisiweyo.

Awunakho ukufaka isandla kwisicwangciso sakho sama-401 (k) kwiinyanga ezintandathu emva kokuthatha i-401 (k) yokurhoxiswa koxinzelelo. Emva kweenyanga ezintandathu zidlulile, ungaqhubeka neminikelo ukuya kuthi ga kwelona xabiso liphezulu emva koko, kodwa awungekhe ubuyise imali yokurhoxa kobunzima.

3. Ukunikezelwa kwenkonzo

Nangona kunqabile, ezinye izicwangciso zikuvumela ukuba urhoxise imali ngelixa usasebenza usebenzisa unikezelo lwenkonzo ngaphandle kwengxaki. Ukwabiwa kwenkonzo kukuvumela ukuba urhoxe imali ngaphambi kokufikelela kumnyhadala, njengokufikelela kwiminyaka ethile okanye ukushiya umqeshi wakho.

Oku kuyakuvumela ukuba udlulise iiasethi ukusuka kwi-401 (k) yakho uye kwi-IRA, ikunike ubhetyebhetye ngakumbi kunye nolawulo kwisicwangciso sotyalo-mali. Nangona kunjalo, le nkululeko iza ngendleko: Ukusasazwa kwangaphakathi nenkonzo kunokubangela iifizi eziphezulu kunye nokuthintela ulwabiwo lwexesha elizayo.

Uyifumana njani imali kwi-401 (k) emva kokuba uthathe umhlalaphantsi

Xa ufika kumhlala phantsi, unokhetho oluncinci. Ungaqala ukwenza ulwabiwo olufanelekileyo, ukudweba isixa semali, ukuvumela iakhawunti yakho ukuba iqhubeke nokuqokelela umvuzo, okanye ukuhambisa iiasethi zakho ezingama-401 (k) kwiakhawunti ye-IRA.

1. Rhoqo 401 (k) ukurhoxa

Oku kuyasebenza ukuba ungaphezulu kweminyaka engama-59½ okanye, kwezinye iimeko, ungaphezulu kweminyaka engama-55 ubudala. Uninzi lwababoneleli bavumela ukurhoxiswa okucwangcisiweyo rhoqo ngenyanga okanye ngekota. Xa ukhupha imali kwi-401 (k), ibhalansi eseleyo inokuqhubeka nokukhula ngokuxhomekeke kwipotifoliyo yakho yotyalo-mali. Ukuba ulinda de ube ungama-70 1/2 ukurhoxa, kuya kufuneka urhoxeUbuncinci besabelo esifunekayo, okanye i-RMD, ngamaxabiso ngamaxesha athile asekwe kulindelo lobomi kunye nakwibhalansi yeakhawunti. Unokuhlala urhoxa ngaphezulu, kodwa ungaze ube ngaphantsi.

Abacebisi ngezezimali bacebisa ngokubanzi inqanaba lokurhoxa phakathi kwe-2% kunye ne-7% ngonyaka , kodwa kuxhomekeke kwiimfuno zakho. Cinga ngokuphila kwakho, inkcitho, olunye utyalomali, inqanaba losapho, inqanaba lomsebenzi, kunye nezibonelelo zoKhuseleko lweNtlalo. Unokubala iziphumo ezinokubakho ngokuvavanya ibhalansi yeakhawunti yakho kunye nohlahlo-lwabiwo mali lwangoku. Siphakamisa ukuba sijonge indlela iipesenti ezi-4 zokurhoxa ezinokuthi zongeze kwaye zilungelelanise ukusuka apho.

Isinyathelo sokuqala sokuthatha umhlalaphantsi kukuqhagamshelana nommeli wakho wezabasebenzi okanye u-401 (k) umlawuli wesicwangciso okanye ubize inombolo kwisitatimende sakho se-401 (k). Banokubonelela ngamaxwebhu owafunayo ukuze ufumane imali kwi-401 (k).

2. Ukuhanjiswa kwangoko kwama-401 (k)

Olu khetho lusebenza kubantu abangekabi nama-59½ okanye ama-55 eminyaka ubudala, njengoko kunokuba njalo, kwaye abesebenzela inkampani ixesha elininzi. Ukusasazwa kwangoko kwama-401 (k), uya kuhlawula irhafu yengeniso kunye ne-10% yesohlwayo.

3.Dlulisa i-401 (k) kwi-IRA

Olu khetho lulungile ukuba awufuni kurhoxisa imali rhoqo. NiniQengqa ngaphezulu kwama-401 (k) kwiakhawunti ye-IRA, ungayigcina imali yakho kwi-IRA kwaye uyirhole kuphela xa uyidinga. Uya kuhlawula kuphela irhafu kwimali oyirhoxisileyo ngonyaka.

Isiphumo

Amaxwebhu kunye nenkqubo ziya kwahluka ngokuxhomekeka kumqeshi wakho kunye nohlobo lokurhoxa owenzayo. Emva kokugqiba amaxwebhu, uya kufumana itshekhi yemali oyicelileyo.

Gcina nje ukhumbule ukuba ukurhoxiswa kuxhomekekeisohlwayo se-10%ukuba kuthathwe ngaphambi kweminyaka engama-59½. Kuya kufuneka uhlawule irhafu yengeniso kwaye ukwanda okunokubakho kuya kulahleka. Kungcono ukunqanda ukuthatha ulwabiwo kwangoko xa kunokwenzeka.

Iingcebiso zokucwangcisela umhlalaphantsi

• Ukuthintela ukungena kwimeko apho unyanzeliswa ukuba uboleke kwisicwangciso sakho sama-401 (k), cinga ukubonisana nomcebisi wezezimali. Umcebisi wezezimali unokukunceda uhlahlo-lwabiwo mali kwaye wandise ukonga kwakho.
• Fumana umbono wokuba uza kulondoloza malini na xa usidla umhlala-phantsi. Inkqubo ye-umatshini wokubala umhlala-phantsiinokukunceda ukufumanisa ukuba ngaba imali oyongele umhlala-phantsi isendleleni.
• Qala kwangoko kwaye ugcine imali yakho kwiakhawunti yakho yomhlalaphantsi. Okukhona unemali yakho kwiakhawunti yakho yomhlala-phantsi kwaye unemali eninzi apho, kokukhona umsebenzi unokukwenza.

Izalathiso:

1. Inkonzo yangaphakathi yeNgeniso. Umxholo onguNombolo 424: 401 (k) Izicwangciso . Kufumaneka ngo-Matshi 10, 2020.
2. UMTHETHO WENKATHAZO. H. R. 748 . Kufumaneka ngo-Ephreli 6, 2020.
3. Inkonzo yangaphakathi yeNgeniso. 401 (k) Isikhokelo seZibonelelo-Cwangcisa abathathi-nxaxheba - Imigaqo yokuSasazwa ngokubanzi . Kufumaneka ngo-Matshi 10, 2020.
4. Inkongolo yaseU.S. UMTHETHO OKHUSELEKILEYO KA-2019 113 . Kufumaneka ngo-Matshi 10, 2020.
5. Ukunyaniseka. Ukuqwalaselwa kweNdala engama-401 (k) . Kufumaneka ngo-Matshi 25, 2020.
6. I-IRS. 401 (k) Cwangcisa iimfuno zeMfundo . Kufumaneka ngo-Matshi 25, 2020.

Iziqulatho

• Ngaba ndingayifumana imali kwi-401 (k) yam ngelixa ndisebenza?
• Uyifumana njani imali kwi-401 (k) ngelixa uqeshwe
• 1. 401 (k) iimali-mboleko
• 2. Ukurhoxiswa kobunzima bezezimali 401 (k)
• 3. Ukunikezelwa kwenkonzo
• Uyifumana njani imali kwi-401 (k) emva kokuba uthathe umhlalaphantsi
• 1. Rhoqo 401 (k) ukurhoxa
• 2. Ukuhanjiswa kwangoko kwama-401 (k)
• 3.Dlulisa i-401 (k) kwi-IRA
• Isiphumo
• Iingcebiso zokucwangcisela umhlalaphantsi

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