Izinzuzo zabasebenzi ezitholakalayo kwabasebenzi abalondoloza ukuhlala umhlalaphansi
Kunezindlela ezingenakubalwa abathengi abangaqala ukuzondla ngeminyaka yabo yokuthatha umhlalaphansi.Kubantu abasebenzayo, lokhu kuvame ukusebenzisa ukusebenzisa izinhlelo zokulondoloza umhlalaphansi ezinikezwe umqashi. Ezimweni eziningi, abaqashi balinganisa okungenani ingxenye ye-dollar engaphambi kwentela ibeke eceleni kule njongo.
Izinzuzo zabasebenzi ezenzelwe ukuhlela umhlalaphansi wokulondoloza imali
Kunezinhlobo zemikhiqizo yezimali ezisiza abasebenzi ukuba baphathe imali yabo futhi bahlele umhlalaphansi.
Izinzuzo zezimali ezivame kakhulu zihlanganisa Amalungiselelo Omhlalaphansi Womhlalaphansi (IRA), Izinhlelo Zokulondoloza Umhlalaphansi kanye nezinhlelo Zokugcinwa Kwezimali Zentela, Amaphesheni E-Simplified Employee (SEP), Ukwabelana Ngokuhlomula, Izinzuzo Ezichazwe, Izinhlelo Zobunikazi Bamasheya Abasebenzi (ESOP), kanye nezinye izinhlelo zokukhokhelwa izinkampani ezikhokhelwayo .
Ake sihlolisise izinzuzo zomhlalaphansi zokulondoloza umhlalaphansi.
Izivumelwano zomhlalaphansi ngabanye (IRA)
Njengamanje, kune-IRA eziningana zabasebenzi abafanelekile, i-IRA yendabuko kanye ne-Roth IRA. Zombili izinhlelo zivumela abasebenzi ukuba bakhethe inani elithile lentela ekhokhwa intela ye-akhawunti ekhokhelwa intela. I-akhawunti yendabuko yenzelwe abasebenzi kuze kube yiminyaka engu-70 1/2 kanti i-Roth yilabo abaneminyaka yobudala. I-IRS ibeka imingcele yokuthi isisebenzi singanikela kunoma yikuphi i-IRA, ngokusekelwe ezinkambisweni eziningana. Abaqashi bangase bafanise ingxenye noma yonke imali yesisebenzi ku-IRA, kuze kube yimingcele evunyelwe i-IRS.
Izinhlelo zokulondoloza umhlalaphansi
Abantu abadala abakwazi ukukhipha imali yokukhokha intela ngaphambi kokukhokhela umhlalaphansi. Uhlelo lokulondoloza umhlalaphansi, olufana no-401 (k), lunika abasebenzi ithuba lokufaka ingxenye yengxenye kuma-akhawunti ngabanye, futhi abaqashi bangafaka isandla kulezi zinhlelo zokwandisa ukutshala izimali.
Ukunikezwa kwemali engama-401 (k) izimali, kuhlanganise nemali engenayo, kufakwe emalini engenayo ekhokhelwa umhlalaphansi. Lokhu kungenye yezinhlobo ezidume kakhulu zokukhethwa komhlalaphansi ngoba ziyalondoloza futhi kulula ukuphatha.
Izinhlelo Zonyaka Zokuvikela Izentela
Enye indlela yokuyeka umhlalaphansi yi-Annuity eVimile yentela noma i-403 (b), eyenziwe ngokukhethekile kwabasebenzi bomphakathi, njengabafundisi ezikoleni zomphakathi kanye nabasebenzi bezinhlangano ezithile ezingaxoshiwe zentela ka-501 (c) (3). Abasebenzi nabaqashi bangafaka isandla kulolu hlelo.
Izimpesheni Zomsebenzi Ezilula (SEP)
Ngokungafani nezinye izinhlobo zamasu omhlalaphansi, i-Simplified Employee Pension (SEP) ixhaswe ngemali yomqashi kuphela. I-SEP ingasetshenziswa yinoma yimuphi umqashi wesayizi, futhi izimali kumele zibe yizilinganiso ezilinganayo kuzo zonke izisebenzi, zinikezwe okungenani kanye ngonyaka wonyaka. Abasebenzi bangamaphesenti angu-100 abatshalwa imali kusukela ngosuku olulodwa.
Ukwabelana Ngenzuzo
Izinkampani eziningi zisaqhubeka zinikeza izinhlelo zokwabelana ngenzuzo ezongeza izinhlelo zokugcina umhlalaphansi. Unyaka ngamunye, uma inkampani yenza inzuzo, lezi zimali zingasakazwa ekukhokhweni kokuphela kwezinsuku zabasebenzi ezifanelekile, noma zinikezwe i-akhawunti yabo ye-SEP, IRA, noma i-401 (k).
Izinzuzo ezichazwe
Inzuzo ehlelwe ngaphambili, esungulwe ngemali eyanikezwa abaqashi kwabasebenzi abafanele ngesikhathi sokuthatha umhlalaphansi.
Umqashi ubeka iphesenti ethile yemali yomsebenzi kwi-akhawunti yokulondoloza, okumele isetshenziswe ngokuqondile ngemali yokuthatha umhlalaphansi. Le mali kumele ibikwe minyaka yonke ngumqashi futhi ibhekwe njengenzuzo engenayo. Akufanele kudidaniswe nezinhlelo ezihlongozwayo zomnikelo, okuyimali ehleliwe enikezwe ngumqashi okufanele asetshenziselwe umshuwalense wezempilo kanye nezindleko zezokwelapha.
Izinhlelo Zomnikazi Wabasebenzi (ESOP)
Esikhundleni sezinzuzo zemali, abaqashi bangase banikeze ngemali yokuthatha umhlalaphansi ngesimo se-Employee Stock Ownership Plans (ESOP), esivumela abasebenzi ukuba bathenge isamba samabhizinisi emazingeni amanje emakethe ngezikhathi ezithile ezithile. Kwezinye izimo, inkampani ingase isinikeze ubunikazi besitokwe samanani athile esitokisini noma ukuthengisa isitoko esilinganisweni esingaphansi komphakathi ngesikhathi sekota ngayinye yokuhola njengengxenye yokuxoxisana isinxephezelo.
Njengoba uqala ukuhlela iminyaka yakho yokuthatha umhlalaphansi, kusobala ukuthi kunezinketho eziningi zokususa izimali ezingase zisekele indlela yakho yokuphila iminyaka eyishumi nangemva kokuyeka ukusebenza. Hlola nomqashi wakho ngolwazi oluthe xaxa mayelana nezinzuzo zokuthatha umhlalaphansi ezingase zitholakale kuwe.