Momwe Mungachotsere Ndalama Ku 401k

Momwe mungatulutsire ndalama ku 401k. Kodi ndingapeze bwanji ndalama zanga kuchokera ku 401k?

Kutenga ndalama kuchokera ku 401 (k) ndi chisankho chachikulu . Zambiri zamomwe mungapezere ndalama kuchokera ku dongosolo 401 (k) Zimatengera zaka zanu, dongosolo la olemba anzawo ntchito, ngati mukugwirabe ntchito kampani yomwe ikuthandizani dongosolo lanu la 401 (k), ndi mtundu wopuma pantchito womwe mukupanga.

Ngati mwafika pa msinkhu wopuma pantchito ndipo simukugwiranso ntchito, zikhala zosiyana kwambiri ndi ngati mudakali mu bizinesi, mukuchotsa ndalama mwachangu, kapena mukufuna ngongole. Muyenera kuti muwonetsetse kusindikiza kwanu pa pulani yanu kuti muwone mtundu wa zololedwa zomwe zimaloledwa.

Kodi ndingapeze ndalama mu 401 (k) yanga ndikamagwira ntchito?

Osati olemba ntchito onse amakulolani kuti mutenge ndalama mu dongosolo lanu la 401 (k) ndikugwirabe ntchito. Fufuzani ndi 401 (k) woyang'anira mapulani kapena wothandizira kuti muwone zomwe zingatheke. Nthawi zambiri, mutha kutenga 401 (k) ngongole, kupuma pantchito, kapena kugawa-mu-ntchito.

Momwe mungapezere ndalama mu 401 (k) mukamagwira ntchito

1. 401 (k) ngongole

Kodi ndingapeze bwanji ndalama zanga kuchokera ku 401k? Tengani ngongole 401 (k) amakulolani kuti mulandire ndalama zochuluka za 401 (k) zomwe mwapeza ndikusintha ndalamazo ndi zolandila zochotsedwa payokha. Malipiro awa amaphatikizapo zazikulu ndi chiwongola dzanja. Olemba anzawo ntchito amangolola ngongole pokhapokha atakumana ndi mavuto azachuma, koma ena amalola 401 (k) ngongole kwa antchito omwe amafunika kubwereka ndalama kuti agule nyumba, kubwereka galimoto, kapena kulipirira ndalama zina zazikulu.

Mapulani ambiri amachepetsa ngongole mpaka $ 50,000 kapena theka la ndalama zanu , kutengera ndi iti yomwe ndi yocheperako. Komabe, mutha kubwereka kuchuluka kwakukulu ngati akaunti yanu ndi yochepera $ 20,000. Nthawi zambiri sipakhala mapepala ambiri ndipo palibe chiphaso changongole. Muyenera kulipira ndalama zochepa zothandizira, koma ndizotheka.

Nthawi zambiri, mudzayenera kubweza ndalama zomwe munabwereka pasanathe zaka zisanu, pokhapokha mutapereka ndalama zogona kunyumba ndi ngongoleyo. Mudzalipira ngongole ndi ndalama za msonkho, mosiyana ndi zoyambira 401 (k) zopereka, zomwe nthawi zambiri zimachotsedwa msonkho. Muyeneranso kudziwa kuti 401 (k) ngongole zimachedwetsa kukula kwachuma chanu, chifukwa simupeza chiwongola dzanja chochulukirapo pamalipiro omwe mudabwereka papulani yanu.

2. Kuchotsedwa pamavuto azachuma 401 (k)

Ngati mukukumana ndi nthawi yovuta kwambiri ndikuwonetsa kusowa kwachuma komanso kwakanthawi , ambiri a mapulani amalola kuti zovuta zizichoka . Zifukwa zina zochotsera zovuta zimaphatikizapo zolipilira kuti mupewe kuwonetseratu kapena kuthamangitsidwa kunyumba kwanu yoyamba , Malipiro apansi anu nyumba yoyamba , ndalama za kuikidwa m'manda kapena maliro , maphunziro aku koleji kapena ena chindapusa cha maphunziro , ndalama madokotala kapena kukonza nyumba yanu. Muyenera kufotokoza zovuta zanu kwa woyang'anira wanu 401 (k). Nthawi zina, omwe amakupatsani akhoza kukufunsani kuti mupereke umboni wazovuta.

Kuchotsa pamakhala kopanda zilango nthawi zina monga kuti ngongole yanu yazachipatala idadutsa 7.5% ya ndalama zanu zonse zomwe mwasintha, ndinu olumala, kapena khothi likufuna kuti mupereke ndalama kwa okwatirana, mwana, kapena wodalira. Kuchotsedwa kwina chifukwa cha mavuto azachuma kumabweretsa chilango cha 10%. Nthawi zonse mumayenera kulipira misonkho yanthawi zonse pamtengo womwe wachotsedwa.

Simungathe kupereka dongosolo lanu la 401 (k) kwa miyezi isanu ndi umodzi mutachotsa 401 (k) zovuta. Pakadutsa miyezi isanu ndi umodzi, mutha kuyambiranso zopereka mpaka kuchuluka kwakukulu pambuyo pake, koma simungathe kubweza kuchuluka kwakubwezeretsako mavuto azachuma.

3. Kugawa muutumiki

Ngakhale ndizosowa, mapulani ena amakulolani kuti mutenge ndalama mukamagwirabe ntchito mukugawira ena muutumiki popanda zovuta. Kugawa kwapakati pa ntchito kumakupatsani mwayi woti mutenge ndalama musanakwaniritse chochitika china, monga kufikira zaka zinazake kapena kusiya abwana anu.

Izi zikuthandizani kusamutsa katundu kuchokera ku 401 (k) kupita ku IRA, kukupatsani mwayi wosinthira ndikuwongolera dongosolo lazandalama. Komabe, ufuluwu umadzawonongeka: Kugawidwa kwa ogwira ntchito kumatha kubweretsa chindapusa chambiri ndikuletsa kugawa mtsogolo.

Momwe mungapezere ndalama mu 401 (k) mukapuma pantchito

Mukafika pantchito, mumakhala ndi njira zingapo. Mutha kuyamba kugawa oyenerera, kujambula ndalama, kulola akaunti yanu kupitiliza kupeza ndalama, kapena kusamutsa katundu wanu 401 (k) ku akaunti ya IRA.

1. Kuchoka pafupipafupi 401 (k)

Izi zikugwira ntchito ngati muli ndi zaka zoposa 59½ kapena, nthawi zina, kupitirira zaka 55. Othandizira ambiri amalola kuti azichotsa pamwezi mwezi uliwonse kapena mwezi uliwonse. Mukachotsa ndalama pa 401 (k), zotsalazo zimatha kupitilira kukula kutengera mbiri yanu yazachuma. Mukadikirira mpaka mutakwanitsa zaka 70½ kuti mutuluke, muyenera kutulukazosowa zochepa zomwe zimafunikira, kapena RMD, zomwe zimakhala kuchuluka kwakanthawi kutengera kutalika kwa moyo ndi kuchuluka kwa maakaunti. Mutha kutulutsa zochulukirapo, koma osachepera.

Alangizi azachuma iwo amalangiza kuchuluka kwakanthawi pakati pa 2% ndi 7% pachaka , koma zimatengera zosowa zanu. Ganizirani za kutalika kwa moyo wanu, ndalama zomwe mumagwiritsa ntchito, ndalama zina, banja lanu, ntchito yanu, ndi mapindu anu a Social Security. Mutha kuwerengera zomwe zingachitike poyang'ana momwe akaunti yanu ikuyendera komanso bajeti yomwe muli nayo. Tikukulangizani kuti muwone momwe chiwongolero cha 4% chingawonjezere ndikusintha kuchokera pamenepo.

Gawo loyamba pantchito yopuma pantchito ndikulumikizana ndi woimira anthu ogwira ntchito kapena 401 (k) woyang'anira mapulani kapena kuyimba nambalayo pa mawu anu 401 (k). Amatha kukupatsani zolemba zomwe mukufuna kuti mutenge ndalama pa 401 (k).

2. Kugawidwa koyambirira kwa 401 (k)

Njirayi imagwira ntchito kwa anthu omwe sanakwanitse zaka 59½ kapena 55, kutengera mlanduwo, komanso omwe akhala akugwirira ntchito kampani kwakanthawi. Kwa magawo 401 oyambirira (k) koyambirira, mudzalipira msonkho ndi chindapusa cha 10%.

3. Tumizani 401 (k) kupita ku IRA

Iyi ndi njira yabwino ngati simukufuna kutulutsa ndalama pafupipafupi. LitiDutsani 401 (k) yanu ku akaunti ya IRA, mutha kusunga ndalama zanu mu IRA ndikuzichotsa pokhapokha mukafuna. Mudzangolipira misonkho pamtengo womwe mumatulutsa chaka chilichonse.

Chotsatira

Zolemba ndi njira zake zidzasiyana kutengera olemba anzawo ntchito komanso mtundu wa momwe mungapezere ndalama zomwe mwasiya. Mukamaliza zolembazo, mudzalandira cheke cha ndalama zomwe mwapempha.

Ingokumbukirani kuti kuchoka kumamverachindapusa cha 10%ngati atengedwa asanakwanitse zaka 59½. Muyeneranso kulipira misonkho pamalowo ndipo kukula komwe kungachitike kudzatayika. Ndibwino kuti mupewe kutenga zoperekera pantchito msanga ngati zingatheke.

Malangizo okonzekera kupuma pantchito

• Kuti mupewe kukhala pamalo omwe amakakamizidwa kubwereka kuchokera ku dongosolo lanu la 401 (k), lingalirani zokambirana ndi mlangizi wazachuma. Wothandizira zachuma atha kukuthandizani kukonza bajeti ndikukwaniritsa zomwe mwasunga.
• Pezani malingaliro azomwe mudzafunika kupulumutsa pantchito yanu. Pulogalamu yacholembera pantchitoitha kuthandizira kudziwa ngati ndalama zanu zopuma pantchito zili bwino.
• Yambani molawirira ndikusunga ndalama zanu muakaunti yanu yopuma pantchito. Mukakhala ndi ndalama zambiri muakaunti yanu yopuma pantchito komanso mukakhala ndi ndalama zambiri kumeneko, zimatha kukuchitirani zambiri.

Zolemba:

1. Ntchito Yopeza Misonkho. Mutu Na. 424: 401 (k) Mapulani . Idapezeka pa Marichi 10, 2020.
2. AMASAMALIRA ACT. H. R. 748 . Idapezeka pa Epulo 6, 2020.
3. Ntchito Yopeza Misonkho. 401 (k) Ndondomeko Yowonjezera - Konzekerani Ophunzira - Malamulo Onse Ogawira . Idapezeka pa Marichi 10, 2020.
4. U.S. Congress. CHITETEZO cha 2019, Sec. 113 . Idapezeka pa Marichi 10, 2020.
5. Kukhulupirika. Zoganizira Zakale 401 (k) . Idapezeka pa Marichi 25, 2020.
6. IRS. 401 (k) Konzani Zofunikira Zoyenerera . Idapezeka pa Marichi 25, 2020.

Zamkatimu

• Kodi ndingapeze ndalama mu 401 (k) yanga ndikamagwira ntchito?
• Momwe mungapezere ndalama mu 401 (k) mukamagwira ntchito
• 1. 401 (k) ngongole
• 2. Kuchotsedwa pamavuto azachuma 401 (k)
• 3. Kugawa muutumiki
• Momwe mungapezere ndalama mu 401 (k) mukapuma pantchito
• 1. Kuchoka pafupipafupi 401 (k)
• 2. Kugawidwa koyambirira kwa 401 (k)
• 3. Tumizani 401 (k) kupita ku IRA
• Chotsatira
• Malangizo okonzekera kupuma pantchito

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