Kunyange paine humwe hutungamiri kubva kuvanhu, izvo zvaunoita nekutora mari yako yekuchengetedza basa paunoshandura mabasa kazhinji kune iwe. Saka chii chinoitika kune chirongwa chako chema 401k paunobva mubasa?
401 (k) Rongedza Zvaunogona Paunenge Uchibuda Mubasa
Kana uine anoshandira-anotsigirwa 401 (k), iwe unogona kunge uchitarisana nezvisarudzo zvina paunobva mubasa rako: gara muurongwa hwevashandi uripo, uende mari kune chirongwa chemushandi mutsva, shandisa mari yacho kune imwe nzira retirement account (inozivikanwa seRLR rollover), kana kuti mari.
Heino zvinhu zvokufunga nezvayo neimwe nzira.
1. Siya mari iyo yawakamboshandira ya1 401 (k). Makambani akawanda achaita kuti vashandi vekare varambe vachirima mari yavo mu 401 (k) zvirongwa zvachose kana pane mari inosvika madhora 5 000 muurongwa. Mukutsvakurudza kwevanoda kusvika 1 100 vakatendeka varongwa varongwa, inenge chikamu chetatu chevakabvunzwa vakagara mune imwe yaimbova yevashandi 401 (k) kwemazuva makumi maviri kana kupfuura nekuti havana chokwadi chezvimwe zvekuita. Kunze kwekuti urongwa hwako hwekare hwemushandi huine zvisarudzo zvakakosha zvekutsvaga kana zvikomborero zvakasiyana, zvisinei, kusiya yako 401 (k) kumashure kusingawanzwisisiki. Maererano neBhood of Labor Statistics , muvhareji weUnited States anoshandura mabasa 11 munguva yose yebasa . Siya 401 (k) hurongwa shure kwega roga roga uye, kana uchisvika, iwe unofanirwa kuronga nenzira yezvirongwa kuti uone zvaunazvo. Panguva ino, iwe unotengesa kubhadhara mari yakawandisa isingakoshi.
Kuti uve nechokwadi, kana iwe wakanga uchinge uchitariswa uye hauna chokwadi chekufamba kwako, kuchengeta yako 401 (k) mari nemunhu waimbova mushandirwi angave akajeka munguva shoma.
2. Isa mari yacho kune mumwe mushandi wekambani 401 (k). Kana uri kutanga basa idzva rinopa 401 (k) hurongwa, iwe unogona kuva nechipo chekuunza chirongwa chekare chekare nekuchibatanidza nacho nechotsva usingatori mutero warohwa. Kana urongwa hutsva huripo hukuru hwekutsvaga, izvi zvinogona kunge zvakanaka. Iwe unochengeta mari yako yokurasikirwa ichikura munzvimbo imwe, izvo zvinoita kuti zvive nyore kuchengetedza kwenguva.
Kunyanya, kana mushandirwi wako anopa 401 (k) kuronga zvikwereti, kune chikwereti chakanyanya kubhadhara.
3. Shandisa mari yacho mubhuku rekubvisa mari. Imwe nzira ndeyekuti uzarure izvo zvinozivikanwa se rollover IRA, iyo yekusasikirwa kwekambani inowanikwa kuti isimbise mamwe mareji ekurega basa mune imwe nzvimbo. Zvakafanana nebhasiki umo iwe unogona kukanda yose yako yekare 401 (k) s. Mari inoshandiswa muRROllover IRA inoramba iine mitero-inoderedzwa nokuda kwekurega, uye iwe unogona kuiisa munzira chero ipi zvayo yaunosarudza. Mukati yeRRAllover IRA, vaponesi vanogona kuwana zvingasarudzwa zvekutsvaga kwekutsvaga, kusanganisira mashizha, zvisungo, mari pamwe chete, uye zvivako zvekutengesa dzimba. Kana izvozvo zvichitinetsa, iwe unogona kusarudza mari yehupenyu inosarudza mari yako maererano netsika yako yekurega basa.
4. Cash kunze kwechirongwa. Kana pane imwe sarudzo inowanzodzivisa, iri kukwevera yako 401 (k) mari yakazara zvachose. Kunyange kana zvichiita semari nyore nyore kana chipo panguva iyo mari inonyanya kudiwa, iwe ungangozvidemba gare gare. Ndiko nokuti kana iwe ukatora kugoverwa usati wasvika muzera rekurega basa re 59 ½, iwe uchabhadhara mari yemutero wemari pamari, pamwe chete nemitero yehurumende neyemunharaunda. Pamusoro peiyo, iwe ungangodarowo unokweretwa 10 muzana yemhosva yekubhadharwa kwekutanga kubvisa.
(Kunyange zvazvo kune dzimwe mamiriro ekukweretwa kwemhosva kunogona kubviswa.) Ndiyo mutengo wakakura wokubhadhara, uye unowedzera kuponesa kwako kwenguva refu. Mune mamwe mazwi, sarudzo iyi inokonzera zvinetso zvemari zvinopfuura zvinogadzirisa.
Funga Nezvaunosarudza Zvichenjerere
Hapana munhu akarurama (k) anotamira kune munhu wese, asi nekuongorora zvaunogona kuita, iwe unogona kuona chakanaka kwauri. Funga zvisarudzo zvako zvakanaka usati waita chisarudzo, uye taura nevamiririri vevanhu uye varonga zvirongwa mubasa renyu rekare uye basa renyu idzva. Chinonyanya kukosha, kana iwe ukasarudza kuendesa mari kubva pane imwe chirongwa kune imwe, teerera mitemo yekutengesa mazairo kuitira kuti urege kushaya nguva yekupedzisira kana kuti kugadzira kusatarisira kutengeswa kusingatarisirwi.
Verenga Zvinyorwa: Ungatakura sei 401 (k) Paunosiya Job | Nzira Yokubata Nayo Pension Apo Paunobva Mubasa