Lokhu kufaka phakathi izinto ezifana nomshuwalense wezempilo, impilo kanye nokukhubazeka, isikhathi seholide, kanye neziLwesihlanu zasehlobo. Izinzuzo zomqashi ezinhle zihlanganisa uhlelo oluhle lokuthatha umhlalaphansi. Yebo, ezinye izinhlelo zokuthatha umhlalaphansi zingcono kunezinye.
Umuntu omuhle kakhulu angakwandisa ukubaluleka kwesimo sakho nomqashi, futhi angase akhombe ngisho nomholo ophakeme komunye umqashi.
Indlela Yokuhlola Amasu Okuthatha Umhlalaphansi
Yini eyenza uhlelo olulodwa lomhlalaphansi lungcono kunolunye? Nazi ezinye iziqondiso zokukusiza uqhathanise.
Uhlobo lomhlalaphansi lomqashi
Kunezinhlobo eziningi zezinhlelo, futhi abaqashi banganikeza okungaphezu kweyodwa noma inhlanganisela yazo zonke ezintathu.
Izinhlelo Zokuhlomula Ezicacisiwe. Okungavamile kodwa okuyigugu kakhulu kwaziwa ngokuthi uhlelo oluhlongozwayo lokuhlomula, yilokho okuyiningi lethu elikucabanga njengeluhlelo lwempesheni lomdabu. Kulolu hlobo lwepulani, umqashi wenza iminikelo kwi-akhawunti yomsebenzi, futhi uqinisekisa inani elithile lemali engenayo yenyanga ngenyanga.
Lokhu kungase kube iphesenti leholo, noma inani elibekwe dollar. Ukuthi uthola okungakanani kungase kusekelwe esikhathini esichithwe nenkampani, iminyaka yakho, umholo wakho, kanye nezinye izici. Amapulani asezimpesheni avikelwe nge-Pension Benefit Guaranty Corp., isikhungo sikahulumeni sokuthi izinyathelo zizokwenzeka uma inkampani ihluleka noma ayikwazi ukwenza isithembiso sempesheni.
Ngokushesha nje ngawo-1980, cishe amaphesenti angu-80 ezinkampanini ezinkulu zanikezela izinzuzo ezichazwe abasebenzi. Manje leyo namba ingaphansi kwamaphesenti angu-30, futhi kulindeleke ukuthi yehle. Uma unenhlanhla ngokwanele ukuba unikezwe umsebenzi ngecebo elichaziwe, qaphela ngokucophelela ukubaluleka kwalo uma uqhathanisa izinhlinzeko.
Uhlelo oluhlongozwayo lokuhlomula lungafaka imali eyinzuzo emhlalaphansi wakho wesikhathi eside. Noma kunjalo, hlola ukuze ubone ukuthi kwenzekani ohlelweni oluhlongozwayo lokuhlomula uma ushiya inkampani ngaphambi kokuthatha umhlalaphansi. Izimpesheni eziningi ezihlongozwayo zokuhlomula akuzona eziphathekayo, okusho ukuthi awukwazi ukuthatha nawe uma ushiya inkampani. Nakuba izinkampani ezithile zinikeza izinhlelo zokulinganisela imali, ezingasuswa kwi-akhawunti yomhlalaphansi noma 401k uma ushintsha imisebenzi.
Izinhlelo Zokunikezwa Ezichazweyo. Ukukhethwa okuvamile kakhulu kulezi zinsuku uhlelo oluhlongozwayo lomnikelo, njengama-401 (k), 403 (b), noma 457 (b). Ayikho inani elibekiwe elithembisiwe emhlalaphansi. Esikhundleni salokho, isisebenzi kumele sigcine futhi sinikeze inani elibekiwe lama-dollar akhokhelwa ngaphambi kwentela, ukhethe ukuthi litshalwa kanjani, futhi lilawule i-akhawunti manje nasemhlalaphansi.
Ngokungafani nezimpesheni ezifaka ingozi yokuthatha umhlalaphansi enkampanini, izinhlelo ezihlongozwayo zomnikelo zishiya ingozi futhi iningi lomsebenzi kumsebenzi. Ehlangothini elikhanyayo, imali ingakwazi ukuhlala intela ehlongozwayo, ngisho noma ushiya umsebenzi .
Yini eyenza i-401 (k) ihleleke kakhulu yizinketho zayo zokutshala izimali kanye nomdlalo womqashi. Izinketho zokutshala izimali kumele zibandakanye izindleko eziphansi, izinketho ezingekho emthethweni zokuthenga izimali, kanye nesikhwama sokujikeleza impilo evumela ukuthi imenenja yezobuchwepheshe ikhethe ukukhetha kwakho.
Amacebo amakhulu anikezela ngokulingana nomqashi ku-401 (k), lapho umqashi efaka khona amaphesenti angu-6 kuwo wonke ama dollar (noma ama-50 kuya ku-75 ngamalitha) owenzayo. Ezinye izinkampani zifanisa iminikelo yesisebenzi ne-stock corporate.
Amalungiselelo okunikela okuhlongozwayo afaka phakathi izinhlelo zokwabelana ngenzuzo, izinhlelo zokuthenga imali, kanye namabhonasi emasheya. Zonke zifana kakhulu, kulabo abaqashi banikeza okuthile okunye kwabasebenzi ngonyaka ngamunye. Ngenhlelo yokwabelana ngenzuzo, abaqashi banikeza iphesenti yenzuzo yenkampani kubasebenzi unyaka ngamunye. Noma kunjalo, umqashi akaphoqelekile ukunikeza inzuzo njalo ngonyaka.
Ngezinhlelo zokuthenga imali, abaqashi kudingeka benze iminikelo yonyaka yamaphesenti athile kwi-akhawunti yomsebenzi ngamunye. Uma iminikelo yomqashi inikezwa ngesimo se-stock, kuyinhlangano yesibhonasi yesitoko noma uhlelo lomnikazi wesabelo sabasebenzi (ESOP).
Ngalinye yalezi zinhlelo zinezinketho zokonga imali kanye namadola angase abe yimali yokuthatha umhlalaphansi.
AmaRetirement Akhawunti Yomuntu ngamunye. Olunye uhlobo lomsebenzi wokuthatha umhlalaphansi umqashi anganikela nge-akhawunti yomhlalaphansi ngamunye noma uhlelo lwe-IRA, lapho isisebenzi sinikeza khona inani elithile ngonyaka ngamunye futhi umqashi angenza noma angenzi imikhiqizo efanayo. Kunezinhlobo ezihlukahlukene ze-IRAs, kuhlanganise ne-SEP IRAs, ne-SIMPLE IRAs. Izinhlobo ezahlukene ze-akhawunti ziyahlukahluka ngokwemali ongayenza ngayo unyaka ngamunye, nokuthi umqashi wakho unomthwalo wemfanelo kangakanani wokunikela. Okubaluleke nakakhulu kuwe yizinketho zokutshala izimali kanye neminikelo yomqashi.
Njengama-401 (k), izilinganiso ze-IRA ziphatheka futhi zingabuyekezwa nganoma isiphi isikhathi. Abasebenzi bangase babe nezinketho eziningi zokutshala izimali ku-IRA. Noma kunjalo, kunengqondo ukwamukela izimali eziphathekayo eziphansi nezindleko.
Izinketho eziningi. Umqashi wakho angase anikele eyodwa noma ngaphezulu yalezi zindlela zokuthatha umhlalaphansi, okukuhle kuwe. Uma uthola umuzwa walezi zinzuzo ngenkathi unesisindo somsebenzi, ungathola ukuthi uhlelo olukhulu lomhlalaphansi lunikeza omunye ukuma okucacile.
Izihloko Ezihlobene Nalokho: Indlela Yokuhlola Ukunikezwa Kwemisebenzi | Ishidi Lokuqhathanisa Nezinzuzo Zomsebenzi Jobe | Okufanele Ucabangele Ngaphambi Kwamukela Ukunikezwa Kwemisebenzi