Nzira Yokukudziridza Nayo Yako 401 (k) Nzira dzekuNew Job
Kunyange iwe paunoronga mabasa ako matsva uye zvakatipoteredza, zvinokosha kuita kuti urongwa hwako hwekugara huve hukuru. Nguva yezvinhu zvose, uye kana uchinjira mabasa une zvakawanda zvekusarudza zvinogona kukubatsira kuronga hurongwa hwako hwokurasira uye mazvikwereti.
Heino nzira yekuita nayo shanduko kubva pane imwe urongwa 401k kune umwe.
Mibvunzo Yekubvunza Pamusoro Pemuiti Wenyu Watsva
Vashandi vanowanzobatanidza 401 (k) kuronga mashoko mune imwe purogiramu yokubhadhara. Iwe unofanirwa kuwana tsamba inotsanangura zvakananga zveurongwa hwekambani yako, uye zvichida bhurocha rine zvingasarudzwa zvekutsvaga uye mamwe mashoko. Vazhinji 401 (k) vanotengesa vane mawebsite achakutungamirira kuburikidza nekutangira. Tora maminetsi mashomanana kuverenga uye kuverenga tsanangudzo uye kusvika pakuziva zvishoma nezveurongwa.
Pane munhu anoshandisa purogiramu yakafanana here? Inopfuura 95 muzana yemakambani makuru eUnited States anokwidza zvipo izvo vashandi vanoita kune 401 (k). Ivhareji yevashandi mupiro wezvikamu ndiwo 4.5 muzana yemari; mamwe makambani anopa kusvika 6 kubva muzana. Funga nezvayo se 6%, bhonasi isina mutero uye iwe unowana chikonzero kuti mushandi wekushandira haisi chinhu chakanakira kushaikwa.
Ndeipi purogiramu yekugadzirira? Vashandi vakawanda vanopa mimwe michina, izvo zvinoreva kuti kunyange iwe kambani iri kuchengetedza kusvika kusvika 6 kubva muzana yemutambo wako, kuwana kwako mari iyo inopiwa panguva.
Mushure memakore rimwe kana maviri, unowana 25 kubva muzana yemari, ipapo 50 kubva muzana, kusvikira iwe wagamuchira mutsara wakazara zana mushure memakore mashanu kana kupfuura. Kutanga purogiramu yekutengesa ndeimwe yezvikonzero zvinokosha kuti zvinyorwa zve 401 (k) nokukurumidza sezvaungagona,
Ndeapi mararamiro emari yekutsinhanisa iyo chirongwa chacho chine?
Kune vadzidzisi vezvemari vanogona kutaura kuti pane imwe nzvimbo yepamusoro-soro, imwechete yepamusoro-misika, yebhadharo yebhadharo yemari yakaderera (semuenzaniso, Standard & Poor's 500 fund) yakakwana kune vakawanda vaduku vaduku. Asi zvichiri zvakanaka kuti uwane zvisarudzo zvokusarudza kubva. Iwe unogona kutarisa kumusoro kwechikwama chimwe nechimwe pane imwe nzvimbo se Morning Morning. Nzvimbo iyi inopa nyeredzi nyeredzi dzehomwe yega, asi avo havatauri nyaya yose. Tarisa pabhokisi rekutsvaga mabhizinesi kuti uone kana rakakodzera iwe pachako (somuenzaniso: uri kutsvaga kukura kwechisimba, kana kutya kutya kurasa mari?). Kana uchienzanisa zvikwereti zviviri zvemari, tarisa kune mari uye mari. Uye kana ukasarudza chikwata-zuva rekurasikirwa mari kana rehomwe yehupenyu inoshandisa mafairo ako, hapana chikonzero chekutsvaga mune chimwe chinhu.
Iwe Unofanirwa Kuponesa Zvakawanda Zvipi Muna 401 (k)?
Dzimwe nyanzvi dzinokurudzira kuti vanhu vanochengetedza 10 muzana kusvika 15 kubva muzana yebhadharo risati rapera rekurega basa. Vamwe vanongorayira kuponesa zvakanyanya sezvaunogona. Murairo wakanaka wechigunzva chekutanga ndeyekuchengetedza zvishoma izvo iwe waunoshandira achafananidza. Chero zvishoma uye iwe uri kusiya mari patafura. Kana iwe waunoshandira achikwanisa kufanana nayo, chengetedza kusvika pa6 muzana nechinangwa chekushanda nzira yako kusvika 10 kubva muzana uye kupfuura.
Kana basa idzva rinomiririra kusvetwa mubhadharo kwauri, funga kuwedzera yako mupiro wemari. Sezvaunoramba uchisimudza makambani ekukwirirana uye uchiwana zvakawanda, edza kuwedzera mari yaunenge waisa muurongwa hwako. Kana iwe ukachinja 1 kusvika 2 muzana makore ose mashomanana, hauzombooni mutsauko.
Zvaungaita Newawakwegura Wako 401 (k)
Zvirongwa zvakawanda zvema 401k zvinopa kukwanisa kutamisa mari kubva kune waimbova mushandirwi 401 (k) muurongwa hutsva . Kana iwe uchida hurongwa hwevashandirwi wako, zvinonzwisisika kuunganidza zvikwereti uye kuderedza huwandu hwehuwandu hwemari uye mari.
Mashoko ekuti ungafambisa sei yakamboita 401 (k) inofanira kuiswa muzvirongwa zvako zvepurogiramu, kana iwe unogona kukumbira chirongwa chinotsigira zvakananga. Kana ukangobva pane imwe chirongwa, iwe unongova nemazuva 90 kana kuti pasi kuti uwane izvo zviri muurongwa hutsva, zvisati zvichange zvichionekwa sekushambadzirwa kunotengesa.
Mari yacho inofanirwa kuendeswa kubva kune imwe kambani kuenda kune inotevera. Kana iwe ukatora cheketi yakatumirwa kwauri iwe pachako, usaisa mari yacho. Batirana nemutungamiriri wepurani itsva kuti uwane kuti ungatsinhanisa sei zvinhu zvakakodzera.
Kana iwe usingafariri hurongwa hwevashandi vatsva, zvichiri kukoshesa kuchengetedza ikoko kuti uwane mukana wekuisa mari yekutengesa mari yekare uye kushandisa zvakashandiswa nemushandi anofananidza mari. Asi iwe wekare 401 (k) haufaniri kuva chikamu cherongwa hutsva.
Pane kudaro, unogona kuendesa mari yacho mu rollover yega yega yekubvisa mari. Funga nezveRRA rollover senhaka-yose iyo inobatanidza zvinhu zvose kubva kune 401 (k) s iwe uchisiya. Ne rollover IRA, unogona kusarudza kubva pakusarudzwa kukuru kwemari, uye mari inoenderera mberi kukura mitero-yakasarudzwa kusvika pausasiya.
Izvozvo zvinotarisira 401 (k). Iye zvino kuti uwane nzvimbo dzakanaka dzemasikati muhofisi yako itsva yevhisi.
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