Ukusebenzisa kabi i-akhawunti yakho yokulondoloza impilo kungakubiza
Kubalulekile ukuthi ucabange ukuthi abalingani abaneminyaka engu-65 ubudala bazochitha imali engama-dollar angu-275,000 ekunakekelweni kwezempilo emhlalaphansi. Lesi sibalo asihlanganisi izindleko zokunakekelwa kwesikhathi eside, okungangeza izinkulungwane zamaRandi kulo lonke.
I-Medicare ingathatha ithebhu kwezinye zezindleko zakho zokunakekelwa kwezempilo ngomhlalaphansi, kodwa ayihlanganisi konke, kuhlanganise nokunakekelwa kwesikhathi eside. Yilapho i-HSA ingaba yigugu. Ungakwazi ukuhoxisa izimali ezivela kwi-HSA yakho yentela ngaphandle kwezindleko zezokwelapha ezifanelekile. Futhi, ungaphinda uthinte i-HSA yakho ngezinye izidingo zezimali-ne-caveat yentela, yebo.
Uma uthola ukufinyelela kwi-Akhawunti Yokulondoloza Impilo, kubalulekile ukuqinisekisa ukuthi uyayisebenzisa ngokugcwele. Lokhu kuqala ngokugwema lezi mphutha ezivamile.
Iphutha 1: Ukuxuba i-HSA Nge-FSA
Ukuhlelwa Kwezindleko Nge-Flexible Ngenye indlela ye-akhawunti yokulondoloza intela-enhle yokunakekelwa kwezempilo. Ngenkathi izifinyezo ze-FSAs kanye ne-HSA zifana, kunemibono ebalulekile yokuqaphela uma umqashi wakho ekunika ithuba lokusebenzisa noma uhlelo.
Okokuqala, i-HSA ikuvumela ukuthi ulondoloze okuningi ukunakekelwa kwezempilo. Ngo-2017, iminikelo yentela yangaphambi kwentela ku-FSA ifakwe ku-$ 2,600.
Nge-HSA, ungafaka u-$ 3,400 uma unikwa imali futhi u-$ 6,750 ukufakwa komndeni. Imingcele ye-HSA isethwe ukukhuphukela ku-$ 3,450 no-$ 6,900, ngokulandelana, ngo-2018.
Pho kungani kubalulekile lokho? Iminikelo ye-FSA inciphisa inkokhelo yakho ekhokhiswayo, ngenkathi iminikelo ye-HSA ikhokhiswa intela. Noma ngabe yikuphi, uthola ikhefu lentela kodwa uma ukhulula i-HSA yakho, lokho kungaholela inzuzo enkulu yentela ekupheleni konyaka.
Okunye okumele ukwazi ukuthi iminikelo ye-FSA ayiqhubeki unyaka nonyaka. Nokho, nge-HSA, ungashiya imali ku-akhawunti yakho uze uyidinge. Lokhu kusho ukuthi akudingeki ukuba uzame ukuchitha phansi lezo zinkokhelo ngonyaka ngamunye. Kunalokho, ungabavumela ukuba bakhule.
Iphutha 2: Ukuthatha i-HSA Akufanelekile Uma Ukhulile
Uma usuvele usu-50 wakho, ungase ucabange ukuthi ukufaka isandla kwi-HSA kuwufanele isikhathi sakho. Kuleli phuzu, isibonelo, ungase ugxile ekubambeni ukuthatha uhlelo lwakho lwe-401 (k) noma i-akhawunti yomhlalaphansi ngamunye. Kodwa lokho akusho ukuthi awukwazi ukususa i-HSA kamuva ekuphileni.
Cabanga ukuthi uneminyaka engama-50 ubudala futhi unikeze u-$ 6,000 ngonyaka kwi-HSA, uze ufinyelele eminyakeni yobudala engama-65. (Khumbula, awukwazi ukufaka isandla kwi-HSA uma ubhalisa ku-Medicare.) Ucabanga ukuthi uthola imali engama-3 ephindayo ngonyaka ukuwela ebhakheni lentela ka-25%, ungase uqoke cishe u-$ 115,000 wezindleko zokunakekelwa kwezempilo ngesisekelo esilandela intela. Ngisho noma ulondoloza kancane kunalokho, yonke idola oyishiya ingasetshenziswa ukukhokha izindleko zezokwelapha eminyakeni yakho edlule.
Iphutha 3: Ukungaphumeleli Eminikelweni Yokuqhathanisa Umqashi
I-401 (k) akuyona yodwa indlela yokwenza imali ethile mahhala ngesimo somdlalo wenkampani.
Abaqashi banakho futhi ithuba lokunikela ngemali ehambisanayo nakwabasebenzi bama-Akhawunti Yokulondoloza Impilo. Ukubamba ukuthi ukunikela okuphelele ku-akhawunti-kufaka phakathi kwakho nomqashi wakho-angeke kudlule umkhawulo wakho wonyaka wokunikela.
Lokhu kusho ukuthi uma unomsebenzi ngamunye we-2017 futhi umqashi wakho ulinganisa amaphesenti angu-100 alokho osindisayo, ungafaka imali engu- $ 1,700 futhi umqashi wakho angalinganisa inani elifanayo. Isakhiwo sakho esifanelana nesiphakamiso singase sihluke kodwa kufanelekile ukuhlola uhlelo lwakho ukuze ubone uma umdlalo ukhona, ngoba lokho kunciphisa inani okufanele ulondoloze.
Iphutha 4: Angicabangi Isithombe Esikhulu
Umsebenzi oyinhloko we-HSA ukukusiza ukuba ujabulele ezinye izinzuzo zentela ngenkathi usindisa imali yezindleko zokunakekelwa kwezempilo phansi komugqa. Nokho, lokho akuyona indlela kuphela yokusebenzisa izimali ze-HSA.
Uma usufinyelele eminyakeni yobudala engama-65, ungakwazi ukuhoxisa imali ku-HSA nganoma iyiphi inhloso, ngaphandle kwesigwebo. Kodwa-ke, kufanele ukhokhe intela ejwayelekile yokuthola imali kunoma yini oyihoxayo engasetshenziselwa izinjongo zokwelapha.
Kubalulekile ukwazi, ikakhulukazi uma ungazange uthele imali eningi ohlelweni lomhlalaphansi lomqashi wakho noma i-IRA njengoba ubungathanda. Ngisho noma ungapheli ukuthi udinga ukudweba kwi-HSA ukumboza izindleko zokuhlala emhlalaphansi, kunganciphisa ukuthula kwengqondo yakho ukwazi ukuthi imali ikhona uma uyidinga.
Iphutha 5: Ukungazi ukuthi yikuphi ukunakekelwa kwezempilo okwenyuka i-HSA engasetshenziselwa
I-HSA ingasetshenziselwa ukukhokhela ukunakekelwa kwempilo kepha ayihlanganisi konke. Uma ngokungafanele usebenzisa i-HSA izimali ukukhokha izindleko ezingelona ezifanelekile, ezingadala ukukhokha intela. Uzokhokha intela yengeniso ejwayelekile emalini, kanye ne-penalty eyengeziwe yentela engu-20 uma uneminyaka engaphansi kwengu-65.
Ngezansi? Uma unayo i-Akhawunti Yokulondoloza Impilo, qiniseka ukuthi ufunda ngemininingwane yecebo lakho ngokucophelela ukuze wazi ukuthi yini ehlanganisiwe nokuthi yini engekho. Futhi ungabala i-HSA uma usukhulile, noma uma unezinye ama-akhawunti oyisebenzisayo ukulondoloza umhlalaphansi. Uma uhlala uphilile, i-HSA ingasiza ukufakazela noma yini enye obeka eceleni kwamakhasimende e-brokerage akhokhelwa intela noma ahlawulisiwe.