Nakuba kungase kube khona isiqondiso esivela kubasebenzi, yini oyenzayo ngokugcina umhlalaphansi wakho uma ushintsha imisebenzi ngokuvamile kuwe. Ngakho kwenzekani ohlelweni lwakho lwe-401k uma ushiya umsebenzi?
401 (k) Hlela Izinketho Uma Ushiya Umsebenzi
Uma une-401 (k) exhaswe ngumqashi, cishe uzobhekana nezinketho ezine uma ushiya umsebenzi wakho: hlala ohlelweni lomqashi okhona, uthuthe imali kumsebenzi omqashi omusha, uhambise imali ekuqondiseni yona i-akhawunti yomhlalaphansi (eyaziwa ngokuthi i-rollover iRA), noma i-cash out.
Nazi izinto okufanele uzicabangele ngento ngayinye.
1. Shiya imali kumuntu wakho wangaphambili womqashi (k). Izinkampani eziningi zizovumela abasebenzi bangaphambili ukuba bahlale betshalwa imali engama-401 (k) amapulani abo kuze kube phakade uma kukhona okungenani u-$ 5,000 ohlelweni. Kuhlolisiso lwabahlanganyeli abangaba ngu-1 100 Abaqotho, cishe ingxenye eyodwa kwezintathu zabaphenduli bahlala kumuntu owayengumqashi 401 (k) izinsuku ezingu-120 noma ngaphezulu ngoba babengenaso isiqiniseko sokwenza okunye. Ngaphandle kokuthi uhlelo lwakho lomqashi wangaphambili lunezinketho ezivelele zokutshalwa kwezimali noma izinzuzo eziyingqayizivele, noma kunjalo, ushiye 401 (k) ngemuva kwakho kungavamile. Ngokusho kwe- Bureau of Labor Statistics , isisebenzi se-US isilinganiso sishintsha imisebenzi izikhathi ezingu-11 kulo lonke umsebenzi . Shiya u-401 (k) uhlele ngemuva komunye nomunye, bese ufika umhlalaphansi, kuzodingeka uhlele umzila wezinhlelo zokuthola lokho onakho. Phakathi naleso sikhathi, usengozini yokukhokha ngokwezimali eziningi ezingenasidingo.
Ukuze uqiniseke, uma uke waqedwa futhi ungaqiniseki ngokuhamba kwakho okulandelayo, ukugcina imali yakho engu-401 (k) nomqashi wangaphambili ingase ibe nengqondo esikhathini esifushane.
2. Hambisa imali kumqashi omusha 401 (k). Uma uqala umsebenzi omusha ohlinzeka ngohlelo lwama-401 (k), ungase ube nenketho yokuletha iphrojekthi yakho endala futhi uyihlanganise nenye entsha ngaphandle kokuthatha ukushaya kwentela. Uma uhlelo olusha lunezinketho ezinkulu zokutshalwa kwezimali, lokhu kungaba ukuhamba okukhulu. Ugcina izimali zakho zokuthatha umhlalaphansi zikhula endaweni eyodwa, okwenza kube lula ukuphatha ngokuhamba kwesikhathi.
Ngaphezu kwalokho, uma umqashi wakho omusha enikeza u-401 (k) ukuhlela imali, kukhona ibhalansi engaphezulu yokuboleka.
3. Yenza imali ku-akhawunti yomhlalaphansi ngamunye. Enye indlela ukuvula lokho okuyaziwa ngokuthi i-rollover IRA, i-akhawunti yomhlalaphansi ekhona ukuhlanganisa amanye ama-akhawunti omhlalaphansi endaweni eyodwa. Kunjengebhasikidi ongayiphonsa wonke ama-401 wakho omdala (k) s. Imali ethunyelwe i-rollover i-IRA ihlala ikhokhiswa intela ngenxa yomhlalaphansi, futhi ungayitshala nganoma iyiphi indlela oyikhethayo. Ngaphakathi kwe-IRA rollover, abasindayo banokufinyelela ezinketho eziningi zokutshala izimali, kufaka phakathi amasheya, izibopho, izimali ezihlanganyelwe, kanye namathenda okutshala izimali. Uma lokho kuzwakala kunzima, ungase ukhethe isikhwama sempilo yokuphila esikukhetha ukutshala izimali ngokusho komhla wakho wokuthatha umhlalaphansi.
4. Cash ngaphandle kohlelo. Uma kukhona inketho eyodwa yokugwema ngokuvamile, idonsela 401 (k) imali yakho yonke. Ngisho noma kubonakala sengathi kulula imali noma isipho ngenkathi imali isadingeka kakhulu, cishe uzozisola ngokuhamba kwesikhathi. Kungenxa yokuthi uma usakazwa ngaphambi kokuba ufinyelele eminyakeni yobudala yomhlalaphansi ka-59 ½, uzokhokhwa intela yentela yemali ngemali, kanye nanoma yiziphi izintela zombuso nezendawo zendawo. Ngaphezulu kwalokhu, cishe uzokhokhiswa imali yokukhokhiswa ngamaphesenti angu-10 ekuhoxisweni kokuqala.
(Nakuba kunezinye izimo lapho inkokhelo yokukhokha ingasuswa khona). Inani eliphakeme lokukhokha, futhi libeka ingosi yakho yokuthatha umhlalaphansi isikhathi eside. Ngamanye amazwi, le nketho idala izinkinga zemali engaphezulu kunokuxazulula.
Cabangela Izinketho Zakho Ngokucophelela
Akukho muntu ongu-401 (k) onguwo wonke umuntu, kodwa ngokuhlola izinketho zakho, ungathola ukuthi yini okulungile kuwe. Cabanga ngokukhetha kwakho ngokucophelela ngaphambi kokwenza isinqumo, futhi ukhulume nabamele abasebenzisa abantu futhi uhlele abaqondisi emsebenzini wakho omdala nomsebenzi wakho omusha. Okubaluleke nakakhulu, uma unquma ukuhambisa imali kusuka kwelinye icebo kuya kwelinye, qaphela imithetho yokudlulisa impahla ukuze ugweme ukulahlekelwa yisikhathi esinqunyiwe noma ukudala ukusatshalaliswa okungahlawuliswa kwentela.
Funda kabanzi: Ungasingatha kanjani u-401 (k) Uma Ushiya Umsebenzi ?. Indlela Yokusingatha Umhlalaphansi Lapho Ushiya Umsebenzi