Ungakhulisa kanjani ama-401 (k) okukhethwa kukho ku-Job Job entsha
Ngisho noma uhlela imisebenzi yakho nemvelo yakho, kubalulekile ukwenza uhlelo lwakho lokuthatha umhlalaphansi lube yinto ebalulekile. Isikhathi yisikhathi, futhi uma ushintsha imisebenzi unezinketho eziningi ezingakusiza ukuhlehlisa uhlelo lwakho lomhlalaphansi kanye nokutshalwa kwezimali.
Nakhu ukuthi ungayisingatha kanjani ushintsho kusuka ohlelweni olulodwa lwama-401k ukuya kwesinye.
Imibuzo Okumele Uyibuze Ngomsebenzi Wakho Womqashi Omusha
Abaqashi bafaka phakathi 401 (k) ukuhlela ulwazi emphakathini omusha wokuqasha. Kufanele uthole incwadi echaza imininingwane yenkampani yenkampani yakho, futhi mhlawumbe incwajana ngezinketho zokutshala izimali kanye neminye imininingwane. Abaningi abangu-401 (k) abahlinzeki banamawebhusayithi azokuhamba ngesingeniso. Thatha imizuzu embalwa ukuze ufunde futhi ufunde imininingwane futhi wazi kancane mayelana nalolu hlelo.
Ingabe kukhona uhlelo olufanayo lomqashi? Amaphesenti angaphezu kwamaphesenti angu-95 ezinkampanini ezinkulu zase-US afana neminikelo eyenziwa ngabasebenzi ku-401 (k). Inani elilinganiselwe lomnikelo womqashi lingamaphesenti angu-4.5 omholo; ezinye izinkampani zinezela kumaphesenti angu-6. Cabanga njengamaphesenti angu-6, ibhonasi elingenayo intela futhi uthola ukuthi kungani umlingisi womqashi akuyona inzuzo engaphuthelwa.
Iyini isimiso sokuthenga? Abaqashi abaningi banikeza umlinganiso wokuthenga, okusho ukuthi nakuba inkampani isindisa kuze kufinyelele kumaphesenti angu-6 omdlalo wakho, ukufinyelela kwakho kulowo mali kunikezwa kumugqa wesikhathi.
Ngemuva konyaka owodwa noma amabili, uthola amaphesenti angu-25 emali, bese kuba ngamaphesenti angu-50, uze uthole umdlalo ogcwele we-100 ngemuva kweminyaka emihlanu noma ngaphezulu. Ukuqalisa esimweni sokuthengisa kungenye yezizathu ezibalulekile ukubhalisela i-401 (k) ngokushesha nje,
Yiziphi izinhlobo zezindlela zokutshala izimali ezikhona?
Kukhona ochwepheshe bezezimali abangafakazela ukuthi iphothifoliyo eyodwa noma ezimbili izimali ezisezingeni eliphezulu, izimali ezikhokhiswayo (isib. Isikhwama Standard & Poor sika 500) sikwanele abasindisa abaningi abasha. Kodwa kusengcono ukuba nezinketho ongakhetha kuzo. Ungabheka umnikelo ngamunye wesikhwama kwisayithi efana ne-Morningstar. Isayithi linikeza izilinganiso zenkanyezi esikhwameni ngasinye, kodwa labo abatshele lonke indaba. Bheka ebhokisini lesitayela sokutshala izimali ukuze ubone ukuthi kuhambisana yini nesimo sakho (isibonelo: ufuna ukwanda komfutho, noma ukwesaba ukulahlekelwa imali?). Uma uqhathanisa ukukhethwa kwezikhwama ezimbili, bheka izindleko nezindleko. Futhi uma ukhetha isikhwama somhlalaphansi esinqunyiwe-date noma isikhwama sokuphila esikwenzayo isabelo sakho, akukho sidingo sokutshala kwenye into.
Ngabe Kufanele Ugcine Kakhulu Kangakanani Ku-401 (k)?
Abanye ochwepheshe batusa ukuthi abantu basindise amaphesenti angu-10 kumaphesenti angu-15 eholo lokukhokhiswa ngaphambi komhlalaphansi. Abanye bamane bacebise ukugcina okuningi ngangokunokwenzeka. Umthetho omuhle wesithupha wokuqala ukugcina okungenani lokho umqashi wakho azokwenza. Noma yikuphi okuncane futhi ushiya imali etafuleni. Uma umqashi wakho eyolifanisa, gcina kuze kube ngamaphesenti angu-6 ngenhloso yokusebenza ngendlela yakho kuze kufike kumaphesenti angu-10 nangaphezulu.
Uma umsebenzi omusha ubonisa ukugxuma kumholo wakho, cabanga ukwandisa umnikelo wakho wemali. Njengoba uqhubeka nokuphakamisa isitebhisi senkampani bese uthola okuningi, zama ukwandisa inani olilahlile ohlelweni lwakho. Uma ushintsha amaphesenti angu-1 kuya kwangu-2 njalo eminyakeni embalwa, ngeke uqaphele umehluko.
Okufanele Ukwenze Ngomdala Wakho Omdala (k)
Izinhlelo eziningi ezingama-401k zinikeza ikhono lokuhambisa imali kumuntu wangaphambili womqashi (k) ohlelweni olusha . Uma uthanda uhlelo lomqashi wakho omusha, kunengqondo ukuhlanganisa ama-akhawunti nokunciphisa inani lakho lokutshala izimali kanye nemali ekhokhwayo.
Ulwazi mayelana nendlela yokuhambisa i-401 yangaphambili (k) kufanele ifakwe kwiphakethe lakho lokubhalisa, noma ungacela uhlelo oluxhasayo ngokuqondile. Uma usuqedile ohlelweni olulodwa, unezinsuku ezingu-90 kuphela noma ngaphansi ukuze uthole amafa kuhlelo olusha, ngaphandle kwalokho uzobhekwa njengokusabalalisa okukhokhisayo.
Izimali kufanele zihanjiswe ngokuqondile kusuka kwenkampani eyodwa kuya kwesinye. Uma uthola isheke ngokuthunyelwe kuwe, ungalikhiphe. Xhumana nomphathi wezinhlelo ezintsha ukuze uthole ukuthi ungadlulisela kanjani amafa ngendlela efanele.
Uma ungathandi kakhulu uhlelo lomqashi omusha, kusadingeka ulondoloze lapho ukuze uthole ithuba lokutshala ama-dollar angaphambi kwentela futhi usebenzise imali ehambelana nomqashi. Kodwa 401 yakho endala (k) akudingeki ukuba yingxenye yecebo elisha.
Esikhundleni salokho, ungakwazi ukuhambisa imali kwi-akhawunti ye-rollover yomhlalaphansi ngamunye. Cabanga nge-IRA rollover njenge-catch-yonke i-akhawunti ehlanganisa wonke amafa avela ku-401 (k) s oshiya ngemuva. Nge-IRA rollover, ungakhetha kusuka ekukhethweni okukhulu kwezimali, futhi imali iyaqhubeka ikhula intela ehlehlisiwe kuze kube yimhlalaphansi.
Lokhu kunakekela ama-401 (k). Manje ukuthola izindawo ezinhle zokudla kwasemini endaweni yakho entsha yehhovisi.
Funda kabanzi: 6 Izinhlobo zama-akhawunti omhlalaphansi | Indlela Yokuhlola Ukunikezwa Kwemisebenzi | Kwenzekani Phosheni Yami Lapho Ngishiya Umsebenzi Wami?