Indlela Yokuhambisa Uhlelo Lwakho Lomhlalaphansi Lwempesheni Yenzuzo Uma Ushiya Umsebenzi
Kwakukhona isikhathi lapho abanye abantu bengacabangi ukushiya umsebenzi ngempesheni ehlongozwayo, kepha abantu bashintsha imisebenzi kaningi kunakudala , futhi izinhlobo zezinzuzo abaqashi abazinikezayo zishintshile.
Uma isipho esingcono singena ngaphambi kokuthatha umhlalaphansi, kungcono kuwe ukuthi unqume ukuthi wenzeni ngempesheni oyitholile.
Yini Pension Defined Benefit?
Impesheni ehlongozwayo yokuhlomula yilokho abantu abaningi abakucabange njengempesheni yendabuko, yesikole eyayihloliwe nguyise noma umkhulu wakho. Uyazi, uhlobo oluqinisekisa abasebenzi abahlala enkampanini yokuthola imali yokuthola imali ngesikhathi sokuthatha umhlalaphansi.
Izimpesheni ezihlongozwayo zokuhlomula azifani nalezi zinsuku, ziye zafakwa esikhundleni sezinhlelo ezihlongozwayo zomnikelo, njengama-401 (k) s, okufaka okuningi kwemithwalo yemali yokonga esisebenzini futhi ayizikho iziqinisekiso zemali eqokiwe yokuthola umhlalaphansi .
Izinketho Zempesheni Lapho Ushiya Umsebenzi
Ngokuvamile, uma ushiya umsebenzi ngalolu hlobo lwempesheni, unezinketho ezimbalwa. Ungakhetha ukuthatha imali njengesamba semali manje, noma uthathe isithembiso sokukhokha njalo esikhathini esizayo, owaziwa ngokuthi unyaka.
Ungakwazi ngisho nokuthola inhlanganisela kokubili.
Lokho okwenzayo ngemali empesheni yakho kungase kuxhomeke eminyakeni yakho neminyaka yakho kumhlalaphansi. Uma usemncane futhi unesilinganiso esincane semali esengozini, isamba semali singase sibe yisinqumo esilula. Khumbula ukuthi izinkokhelo eziningi zemali zikhokhisiwe futhi azihambisani nemali emali.
I-annuity encane yanamuhla izobukeka ibe encane esikhathini esizayo. Eminyakeni engama-30 kuya kwengu-40, amandla okuthenga amaphesheni akho angancishiswa kakhulu. Zigcine ngokwakho, futhi ungase ukwazi ukuthola ukubuyisa isikhathi esingcono ngemali yakho.
Ngakolunye uhlangothi, uma usondelene nokuthatha umhlalaphansi futhi ufuna ukuthola imali eqinisekisiwe, inzuzo ingaba inketho ekhangayo. Asikho isidingo sokukhathazeka ngokutshala izimali ngokwakho eminyakeni engakahle ngaphambi kokuthatha umhlalaphansi.
Ungase ube nomqondo ongcono wezempilo yesikhathi esiseduzane nenkampani kanye nokukwazi ukuhlangabezana nezithembiso zempesheni. (Izimpesheni ziqinisekisiwe nguHulumeni nge-Pension Benefit Guaranty Corporation, kodwa lapho izinkampani zihamba ngaphansi, abasebenzi nabasebenzi bangaphambili abatholi konke ababekuthembisiwe.) Ngezinye izikhathi, izinkampani zizokwenza izinzuzo ezengeziwe ukukhuthaza abasebenzi asebekhulile ukuba bahlale uhlelo lwabo.
Okufanele Ukwenze Ngenhlawulo Ukukhokhelwa Kwentela Yempesheni
Uma uthatha isamba semali, cabanga ukudlulisela imali ngqo kusuka empesheni yakho kwi-akhawunti ye-Rollover yomhlalaphansi ngamunye (i-IRA) ukuze ungayikhokhi intela. Uma inkampani yakho ikubhalela isheke, unezinsuku ezingu-60 zokuhambisa imali ibe yi-akhawunti ehambelana nentela ngaphambi kokuba intela ikhokhwe.
Ngaphandle kokuba udinga ngempela izimali, kungcono ukugwema ukuchitha imali yesamba ngaphambi kokuthatha umhlalaphansi. Akukona nje ukuthi ulahlekelwa ukukhula kwezimali zesikhathi eside, kepha kuzodingeka ukhokhe intela ekheshi kanye ne-10% ekuhoxisweni kwesikhathi sokuqala. Uma unezimpahla ezibalulekile ohlelweni lwakho, ungabhekana ne-bill tax ebalulekile.
Ngaphakathi kwe-IRA rollover, izimali zingatshalwa nganoma iyiphi indlela oyikhethayo. Ungakwazi ngisho nokuthenga imali ngaphakathi kwe-IRA ukuze uthathe enye yezimali eziqinisekisiwe ngokwakho.
Abanye abaphathi bepulani lomhlalaphansi, kuhlanganise neVanguard ne-Fidelity Investments, banikeza iseluleko namathuluzi e-intanethi ukusiza abasebenzi ukuba banqume phakathi kwesikweletu nesamba. Kufanelekile ukudlala nxazonke nabambalwa ngaphambi kokwenza isinqumo. Ungaphinde uxhumane nabahleli bepulani ukuze uthole iseluleko ngokusekelwe ezimweni zakho nemigomo yakho.
Funda kabanzi: Amaphutha amahlanu amakhulu kakhulu omhlalaphansi Indlela Yokusingatha 401k Uma Ushiya Umsebenzi | Amathiphu Wokukhetha Umsebenzi Omkhulu Wokuhlela Umhlalaphansi