Kodi ndingadziwe bwanji kuchuluka kwa ndalama ndili nazo mu 401k yanga?

Kodi ndingadziwe bwanji kuchuluka kwa ndalama ndili nazo mu 401k yanga? Ngati muli ndi 401 (k) kale ndipo mukufuna kuwona bwino, ndizosavuta. Muyenera kulandira zolemba za akaunti yanu papepala kapena pakompyuta . Ngati sichoncho, lankhulani ndi dipatimenti ya Othandizira pantchito yanu ndipo ndidafunsa yemwe woperekayo ndi momwe angapezere akaunti yawo. Makampani samasamalira ndalama za penshoni ndi zopuma pantchito. Amatumizidwa kwa oyang'anira ndalama.

Ena mwa oyang'anira 401 (k) oyang'anira mabizinesi akuphatikiza Fidelity Investment, Bank of America ( BAC - Pezani Lipoti, T. Rowe Mtengo ( KUKHALA ), Vanguard, Charles Schwab (Wokondedwa) SCHW - Edward Jones ndi ena.

Mukadziwa omwe akuthandizireni kapena woyang'anira ndalama, mutha kupita patsamba lawo ndikulowa, kapena kubwezeretsanso kulowa kwanu, kuti muwone momwe akaunti yanu ikuyendera. Yembekezerani kudutsa njira zina zachitetezo ngati mulibe dzina ndi chinsinsi cha akauntiyi.

Zambiri mwa izi ziyenera kubisidwa mukayamba 401 (k) mukamalemba ntchito kapena mukapeza mwayi woti mupume pantchito. Zambiri monga zopereka, machesi amakampani, ndi zambiri zamomwe mungayang'anire mbiri yanu yotsalira komanso zomwe muli nazo ziyenera kuperekedwa.

Kupeza 401 (k) pantchito yomwe simulinso ndikosiyana pang'ono.

Tinene kuti mwasiya ntchito ndikuyamba yatsopano. Simunaperekedwe pantchito yanu ku IRA. Ndalamazo sizipita. Ikupezekabe, ndi yanu. Kuti mupeze, pezani Zothandizira anthu kuchokera kwa omwe kale munalemba ntchito . Ngati zakhala zikuchitika posachedwa, sikuyenera kukhala kovuta kuzitsatira. Ngati kwakhala kwakanthawi ndikothandiza kukhala ndi chizindikiritso chakale ndi mawu oti musonyeze.

Kodi ndingapeze bwanji malire anga 401K?

Momwe mungayang'anire 401k yanga. Kugwiritsira ntchito 401 (k) ndondomeko yosungira pantchito yopuma pantchito kumakupatsani mwayi woti musungire ndalama pazoyendetsa zokha. Kuphatikiza apo, mumalandila misonkho pazomwe mumapereka ndipo zomwe mumapeza sizikhomeredwa msonkho mpaka mutachotsa zomwe zalembedwazo. Komabe, kuti mutsimikizire kuti muli paulendo wopuma pantchito, muyenera kuwunika 401 (k) moyenera nthawi ndi nthawi. Kuphatikiza pa kudziwa kuchuluka kwanu kwa 401 (k), ndikofunikanso kuti mudziwe kuchuluka kwa akaunti yanu yomwe mwagula, makamaka ngati mukuganiza zosintha ntchito posachedwa.

Kuwona Mapulani Anu 401 (K)

Dongosolo lanu la 401 (k) limafunikira kuti likupatseni lipoti la phindu lanu kamodzi pachaka ngati 401 (k) dongosolo lanu silikulolani kuwongolera ndalama muakaunti yanu kapena kotala lililonse ngati mungathe kuwongolera ndalama zanu.

Kuphatikiza pa mawu awa, 401 (k) mapulani amapereka mwayi wopezeka pa intaneti kumaakaunti anu opuma pantchito kuti muwone ngati ndalama zanu zikuyenda bwino kapena ayi. Dipatimenti yothandiza anthu pakampani yanu imatha kukupatsirani zidziwitso zonse Muyenera kukhazikitsa cholowera pa intaneti kuti muwone kuchuluka kwanu kwa 401 (k).

Ndiyenera kukhala ndi zochuluka motani mu 401k yanga?

Palibe yofanana-yankho-yankho lonse ku funso ili: Ndiyenera kukhala ndi zochuluka motani mu 401k yanga? Ngakhale mutayamba kuyika 401k mwachangu, anthu ena sangapeze mwayiwu nthawi yomweyo, ndipo zili bwino. Mfundo ndikuti muchite ngati mungathe.

Mukayamba kugulitsa ndalama, pali malamulo ena abwino omwe angakuthandizeni kupanga chisankho chanzeru pazambiri zomwe muyenera kukhala nazo mu 401k yanu.

• Ali ndi zaka 30 , muyenera kukhala ndi ndalama zosachepera chaka chimodzi pa 401k yanu. Izi zikutanthauza kuti ngati mupanga $ 60,000, mukadakhala kuti mudasunga ndalamazo pa 401k yanu.
• Ali ndi zaka 40 , muyenera kukhala ndi ndalama zosachepera zaka zitatu pa 401k yanu. Izi zikutanthauza kuti ngati mukupanga $ 80,000 panthawi yomwe munakwanitsa zaka 40, muyenera kukhala ndi $ 240,000 osungidwa pa 401k yanu.
• Ali ndi zaka 50 , muyenera kukhala ndi ndalama zosachepera zaka zisanu pa 401k yanu. Izi zikutanthauza kuti ngati mwawonjezera ndalama zanu mpaka $ 100,000, muyenera kukhala ndi $ 500,000 mu 401k yanu.
• Kwa zaka zapuma pantchito (zaka 65) , muyenera kukhala ndi ndalama zosachepera zisanu ndi zitatu pa 401k yanu. Izi zikutanthauza kuti ngati mwawonjezera ndalama zanu kufika $ 150,000, muyenera kukhala ndi $ 1,200,000 osungidwa pa 401k yanu.

Zachidziwikire, awa ndi malamulo wamba. Izi zikutanthauza kuti amangokupatsani imodzi akhakula Ganizirani zomwe muyenera kukhala nazo mukamafika zaka izi. Samaganizira za zomwe mumapeza komanso zokumana nazo.

Zoonadi, palibe yankho limodzi pazomwe mungakhale nazo mu 401k yanu, ndipo aliyense amene angakuuzeni mwina akukunamizani kapena sakudziwa.

Nditha kutulutsa manambala angapo ndikukuwonetsani kuchuluka kwa omwe ali ndi zaka za m'ma 20 ndi 30 akupulumutsa, koma kutero ndikungowononga nthawi pazifukwa ziwiri:

1. Ndizosatheka kufananitsa moyenera mabizinesi awiri. Aliyense ali ndi ndalama zake zapadera. Ichi ndichifukwa chake kungakhale kupusa kufananiza Ph.D. Wophunzira yemwe ali ndi ngongole zambiri za ngongole zaophunzira ndi mwana wa trust fund yemwe adangopeza ntchito yabwino yamakampani asanu ndi limodzi mwezi woyamba atamaliza koleji. Onse apulumutsa mosiyana, chifukwa chake sikoyenera kufananiza.
2. Anthu ambiri sali okonzeka kupuma pantchito. American Institute of Certified Public Accountants posachedwapa adafalitsa kafukufuku yemwe adapeza kuti pafupifupi theka la anthu aku America sakudziwa kuti angathe kupuma pantchito. Izi ndizowopsa mukawona kuti anthu ambiri amakondanso kuchuluka kwa ndalama zomwe adzagwiritse ntchito akangopuma pantchito .

Chifukwa chake m'malo momangodandaula za minutiae monga kuchuluka komwe mukuyenera kusunga, yang'anani mtsogolo. Chofunikira ndikuti:

1. Chitani kafukufuku wanu. Zomwe mukuchita kale powerenga nkhaniyi.
2. Kulangizidwa. Izi zikutanthauza kupulumutsa ndalama nthawi zonse.
3. Yambani molawirira. Nthawi yabwino kuyamba kubzala inali dzulo. Nthawi yachiwiri yabwino ndi pano. Chifukwa chake yambani ndipo musadandaule za enawo.

Ichi ndichifukwa chake ndikofunikira kuti mumvetsetse tanthauzo la 401k yanu komanso chifukwa chake kuli kofunikira pantchito yanu yopuma pantchito.

Mgwirizano: Kukhala ndi ndalama zochulukirapo kumatha kukuthandizani kuthana ndi mavuto azachuma. Phunzirani momwe mungayambire kupeza ndalama zowonjezera ndi Buku Langa Lopambana la Kupeza Ndalama

401k ndi chiyani?

401k ndi akaunti yamphamvu yopuma pantchito yomwe makampani ambiri amapatsa ogwira nawo ntchito. Nthawi iliyonse yolipira, mumayika gawo limodzi lamalipiro anu msonkho usanachitike pa akaunti.

Imatchedwa akaunti yopuma pantchito chifukwa imakupatsani mwayi waukulu pamisonkho ngati simutulutsa ndalama zanu mpaka mutakwanitsa zaka 59½ (zaka zopuma pantchito).

Ndipo pali maubwino angapo okhala ndi akaunti ya 401k:

1. Ndalama musanakhome misonkho. Ndalama zomwe mumapereka pa pulani ya 401k sizilipira msonkho mpaka mutachotsa pa 59½, zomwe zikutanthauza kuti muli ndi ndalama zambiri zoti mugwiritse ntchito pakukula kwakanthawi. Ngati ndalamazo zimayikidwa muakaunti yokhazikika yabizinesi, gawo lina limakhala la msonkho.
2. Ndalama zaulere ndizofanana ndi olemba anzawo ntchito. Makampani ambiri omwe amapereka 401k amafanana ndi 1: 1 mpaka peresenti ya malipiro anu. Tiyerekeze kuti kampani yanu ikupereka 5% machesi. Ngati mupeza $ 100,000 / chaka ndikugulitsa 5% yamalipiro anu apachaka ($ 5,000), bizinesi yanu ikufanana ndi $ 5,000, ndikuphatikiza zomwe mwapanga. Ndi ndalama zaulere!
3. Makinawa ndalama. Ndi 401k, ndalama zanu zimachotsedwa pamalipiro anu ndipo zimangopatsidwa ndalama zokha, zomwe zikutanthauza kuti simuyenera kupita kuakaunti yobwereketsa ndalama mwezi uliwonse. Ichi ndi chinyengo chabwino chamaganizidwe kuti musungire ndalama.

Onani tchati pansipa chomwe chikuwonetsa chifukwa chake muyenera kuyika ndalama mu 401k yanu:

Ndiye yankho labwino pazomwe ndiyenera kukhala nazo mu 401k yanga ndi osachepera zokwanira kuti abwana agwirizane. Ndipo zowonadi, pali zifukwa ziwiri zokha zosayikira 401k:

1. Wagwidwa pachilumba cha m'chipululu ndipo zopindulitsa za ogwira ntchito zikusowa.
2. Wogwira ntchito pakalipano sakupatsani 401k.

Ngati abwana anu akupatsani dongosolo lofananira ndi 401k, onetsetsani kuti mwayimbira nthumwi yanu ya HR kuti mulembe posachedwa.

Ngati abwana anu Sakupatsani dongosolo la 401k, lembani mulimonsemo (koma simukufuna kuyikapo ndalama - onani vidiyo yanga pansipa kuti mumve zambiri).

Mukatero, mutha kuyamba kudabwa kuti mumayenera kukhala ndi zochuluka bwanji mu 401k yanu. Ndipo yankho limadalira pazifukwa zingapo.

Zingati zomwe mungapereke ku akaunti yanu yopuma pantchito?

Mofanana ndi Roth IRA, pali malire pazomwe mungapereke pa 401k. Komabe, mosiyana ndi Roth IRA, mutha kupereka zambiri LOT.

Kuyambira mu 2019, mutha kupereka mpaka $ 19,000 chaka chilichonse ku 401k yanu ngati musanakwanitse zaka 50.

Ngati mwadutsa zaka 50, mutha kupereka ndalama zowonjezera mpaka $ 6,000, pazambiri $ 24,500 / chaka.

Poyerekeza ndi Roth IRA, komwe mungangopereka $ 6,000 pachaka, uwu ndi mwayi chodabwitsa Makamaka popeza ndalama zanu zamsonkho zimachuluka pakapita nthawi.

Kodi muyenera kupereka ndalama zingati pa 401k yanu?

Ndalama zomwe muyenera kugulitsa mwezi uliwonse zimadalira dongosolo lomwe ndimatcha kuti Personal Finance Scale. Onani madera atatu:

1. Wolemba ntchito 401k. Mwezi uliwonse, muyenera kupereka ndalama zambiri kuti mupindule kwambiri ndi zopereka za kampani yanu 401k. Izi zikutanthauza kuti ngati bizinesi yanu ikupereka machesi a 5%, muyenera kupereka Pafupifupi 5% ya ndalama zanu pamwezi ku 401k wanu mwezi uliwonse.
2. Ngati muli ndi ngongole. Mukavomera kupereka ndalama zomwe abwana anu amapereka ku 401k yanu, muyenera kuwonetsetsa kuti mulibe ngongole. Ngati sichoncho, chabwino! Ngati zitero, zili bwino.
3. Chopereka chanu cha Roth IRA. Mukayamba kupereka ndalama ku 401k yanu ndikuchotsa ngongole yanu, mutha kuyambitsa Roth IRA. Mosiyana ndi 401k yanu, akauntiyi imakupatsani mwayi wopeza ndalama mukakhoma misonkho ndipo simutolera misonkho pazopeza zanu. Pakulemba uku, mutha kupereka mpaka $ 6,000 / chaka.

Mukapereka ndalama zokwana madola 6,000 ku Roth IRA yanu, bwererani ku 401k yanu ndipo muyambe kupereka kupitirira wachipani.

Kumbukirani, mutha kupereka mpaka $ 19,000 / chaka ku 401k yanu ngati muli ndi zaka zosakwana 50. Chifukwa chake simuyenera kukhala ndi vuto kupitiliza kuyika 401k yanu.

Ndipo ngati mungathe kuchikulitsa, onetsetsani kuti mundiyimbire foni. Tipita kukamwa nanu limodzi.

Koma Ramit, ndichifukwa chiyani ndiyenera kutulutsa Roth IRA yanga isanakwane 401k yanga ngati ili yabwino?

Pali zokambirana zambiri zamisala pankhani yazachuma pamutuwu, koma malingaliro anga akutengera misonkho ndi ndondomeko.

Poganiza kuti ntchito yanu ikuyenda bwino, mudzakhala pamalipiro apamwamba mutapuma pantchito, zomwe zikutanthauza kuti mudzayenera kulipira misonkho yambiri ndi 401k. Komanso misonkho imatha kukulirakulira mtsogolo.

Makwerero azachuma anu amakhala othandiza mukamaganizira zomwe muyenera kuyika patsogolo pankhani yazachuma chanu. Kuti mumve zambiri, onerani kanema wanga wosakwana mphindi zitatu pomwe ndimafotokozera.

Kusamala Ndi Ufulu Wotsimikizika Ndipo Popanda Ndalama

Gawo la agogo anu 401 (k) dongosolo ndi gawo lomwe mungachotse ngati mutasiya kugwira ntchito ku kampani. Nthawi zonse mumakhala odzipereka kwathunthu pazomwe mumapereka ku 401 (k) dongosolo lanu, chifukwa chake musaleke kupereka chifukwa simudziwa kuti mudzakhala ndi kampaniyo mpaka liti. Koma ngati mulibe ufulu mukamachoka, mutha kutaya zina kapena zonse zomwe abwana anu amapereka m'malo mwanu.

Kupeza Zothandizira Olemba Ntchito

Komabe, abwana anu amatha kukhazikitsa ndandanda ya zopereka zomwe amapereka m'malo mwanu, monga zopereka zofanana. Komabe, pali malire omwe olemba anzawo ntchito angakufunseni kuti mugwire ntchito musanapatsidwe zonse. Dongosolo lililonse lololeza liyenera kuperekedwa mwachangu chimodzi mwanjira ziwiri.

Ndondomeko ya mphotho ya Cliff imafuna kuti onse ogwira ntchito azikhala mmanja mwaomwe azipereka kumapeto kwa chaka chachitatu cha ntchito. Dongosolo lolandila mphotho pang'onopang'ono limafuna kuti ogwira ntchito azikhala ndi ufulu osachepera 20% patadutsa zaka ziwiri ndikuwonjezera 20% chaka chilichonse pambuyo pake.

Mwachitsanzo, dongosolo lolumikizana lomwe limapatsa ogwira ntchito 10% zopereka pambuyo pa chaka choyamba, kenako enanso 30% chaka chilichonse pambuyo pake, amatha kukhala oyenerera chifukwa nthawi zonse amakhala patsogolo pa nthawi yophatikiza. Komabe, dongosolo loyenera lomwe limapatsa ogwira ntchito kwathunthu patadutsa zaka zinayi, koma osapereka ufulu uliwonse asanafike pamenepo, lidzalephera mayeso chifukwa, kumapeto kwa chaka chachitatu, wogwira ntchitoyo alibe ufulu wololeza, zomwe zili kumbuyo njira zonse ziwiri.

Zamkatimu

• Kodi ndingapeze bwanji malire anga 401K?
• Kuwona Mapulani Anu 401 (K)
• Ndiyenera kukhala ndi zochuluka motani mu 401k yanga?
• 401k ndi chiyani?
• Zingati zomwe mungapereke ku akaunti yanu yopuma pantchito?
• Kodi muyenera kupereka ndalama zingati pa 401k yanu?
• Kusamala Ndi Ufulu Wotsimikizika Ndipo Popanda Ndalama
• Kupeza Zothandizira Olemba Ntchito

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