Izinketho Eziphezulu Ezingu-9 401k: Uhlolojikelele

Inketho ekahle yokuthatha umhlalaphansi i-401k. Ngokuvamile kuhambisana nesinxephezelo esivela kumqashi (noma imali "yamahhala"). Iminikelo inciphisa umthwalo wakho wentela wamanje futhi akudingekile ukuba uyilawule ngokuqhubekayo. Ziningi izinketho zokutshala imali ku-401k uma ufuna ukonga imali uma usuthatha umhlalaphansi. Abanye bangase banikeze okulingana kangcono, kanti abanye bangase bafane. Sizohlanganisa izihloko ezingu-9 namaqiniso abalulekile okufanele uzazi.

Nazi ezinye izindlela ezibalulekile eziyisishiyagalolunye ku-401k

1. Ama-akhawunti omuntu ngamunye

Ama-akhawunti omhlalaphansi womuntu ngamunye (ama-IRA) ayindlela ethandwayo yokutshala imali uma usuthatha umhlalaphansi. Lawa ma-akhawunti angcono kakhulu kune-401k. Ukuguquguquka kwayo kanye nezinzuzo zentela yizona zizathu eziyinhloko zokuthandwa kwayo.

Ama-IRA endabuko avumela imali yakho ukuthi ikhule “ngaphandle kwentela” Imali oyitholayo ku-IRA yesiko “ayikhokhiswa intela.” Lokhu kusho ukuthi iholo lakho alikhokhiswa intela kuze kube yisikhathi okhipha ngaso imali yakho yomhlalaphansi. Ungakwazi futhi ukunciphisa imali engenayo ekhokhiswa intela ngokwenza umnikelo manje.

Lokhu kusho ukuthi ungakwazi ukonga izintela ngenkathi usebenza futhi usemncane. Uma okwamanje bekubakaki bentela ephezulu futhi becabanga ukuthi bazothatha umhlalaphansi kubakaki abaphansi, yilokhu abakuthandayo.

Kodwa lolu hlelo ngeke luphumelele uma wakha ingcebo nge el tiempo. Nokho, le ndlela izokongela imali ezintela.

Kunemikhawulo enanini lemali ongayinika unyaka nonyaka, nakuba unelungelo lokutshala imali yakho noma kuphi lapho uthanda khona. Kukhona nemikhawulo ethile lapho ufinyelela iminyaka yokuthatha umhlalaphansi. Ukusabalalisa Okuncane Okudingekayo (ama-RMD). Uhulumeni uzophoqa ukuthi uhoxise i-akhawunti yakho noma uyafuna noma cha.

2. Ama-Roth IRAs

Okulandelayo ohlwini lwethu izinketho ezidumile ze-401k: I-Roth IRA. Ama-Roth IRAs awakhokhi intela futhi avumela imali yakho ukuthi ikhule ngaphandle kwentela. Kodwa-ke, futhi ayikhokhi intela uma uyihoxisa uma usuthatha umhlalaphansi.

Kufanele ukhokhe intela ephelele yeholo ngaphambi kokuthi wenze iminikelo kuleli chibi. Uthola ukonga intela phakathi neminyaka ukuze unganciphisi izintela namuhla.

Ungase futhi uvunyelwe ukuhoxisa izimali zakho ze-Roth ngaphambi kokuthatha umhlalaphansi (ngaphandle kwenhlawulo) Okuhlukile okukhethekile. Ungayisebenzisa ukukhokhela izifundo kanye nendlu yakho yokuqala.

Ungadlulisela ibhalansi ye-akhawunti yakho enzalweni yakho ukuze udale ingcebo yokukhiqiza. Kodwa-ke, iminikelo yakho yonyaka ngeke yeqe umkhawulo ovunyelwe kuma-akhawunti omuntu ngamunye. Nokho, Ama-IRA awadingi ukusabalalisa okuncane okudingekayo (RMDs) inqobo nje uma umnikazi esaphila.

3. Ama-IRA we-SEP

Ungazuza njengenketho yabazisebenzayo Impesheni Yezisebenzi Esenziwe Lula (SEP) IRA. Ungafaka isicelo se-SEP kungakhathalekile ukuthi unebhizinisi noma unebhizinisi eseceleni.

Ama-SEP IRA anemithetho nemikhawulo efanayo njenge-IRA yendabuko, kodwa angaphansi kweminikelo ephakeme yonyaka. Lokhu kungaholela ekongeni okwengeziwe komhlalaphansi ngenxa yakho konke ukukhula.

Ukhawulelwe ku-25% wemali engenayo yenkampani yakho. Uma lelo nani lingaphansi komkhawulo wedola, uzoba ngaphansi komkhawulo ophakeme kunanoma iyiphi enye i-akhawunti ngayinye.

Kubalulekile ukukhumbula ukuthi abasebenzi okungebona abakho kufanele bathole iminikelo efanayo. Uma ufuna ukusebenzisa ngokugcwele iminikelo yakho, lokho kungase kubize kakhulu.

PS ngiyazibuza: «Ngingakwazi ukuvula i-akhawunti ye-IRA engaphezu kweyodwa?«. Lesi sihloko siyasihlahlela.

4. 401k Okunye: Ama-Akhawunti Okuthengisa Abathengi

Izimali zomhlalaphansi akumele zithembele kuphela esikhwameni esisemthethweni somhlalaphansi. Ezinye izinketho zingase zinganikezi izinzuzo zentela ezifanayo njengama-IRA, 401ks, noma ezinye izinhlobo zokutshalwa kwezimali komhlalaphansi.

Nokho, abakuvimbeli ngenxa yeminyaka yakho. Lokhu kukunikeza inkululeko eyengeziwe yokusebenzisa imali ngendlela ofuna ngayo. Ngokuvamile kuba nomkhawulo omncane (noma ungekho) kumnikelo wakho. Ungakwazi futhi ukutshala imali ekusaseni lakho uma ukwazi ukukhiqiza imali eningi.

Ungakwazi ukufeza izinhloso zakho zokutshala izimali zomhlalaphansi ngokuvula i-akhawunti evamile, ekhokhiswa intela. Ayinikezi noma yiziphi izinzuzo zentela. Uzoba ngaphansi kwezintela zenzuzo enkulu kanye nokuhoxiswayo. Lokhu kubhekiselwa emalini engenayo ekhiqizwa utshalomali lwakho.

5. I-HSA (I-akhawunti Yokulondoloza Impilo)

I-akhawunti yokonga impilo iyindlela yabanikazi bohlelo lomshwalense odonswa imali ephezulu ukuze bathole imali eyengeziwe ngezindleko zabo zezokwelapha. Ama-HSA nawo anenzuzo eyengeziwe yokuthatha umhlalaphansi.

Namuhla, banikeza ukudonswa kwentela. Noma yikuphi ukukhula kwenzalo ye-akhawunti noma izinzuzo zemakethe azikhokhi intela. Imali onayo ku-HSA ngemva kokuthatha umhlalaphansi ingasetshenziselwa noma iyiphi injongo, kuhlanganise nezindleko zezokwelapha.

Kufanele uhlale ukhumbula ukuthi uma udinga ukufinyelela izimali zakho ze-HSA zezindleko zokwelashwa ngaphambi kokuthatha umhlalaphansi, lokhu kunganciphisa imali engenayo yomhlalaphansi onayo.

6. Izindlu ezithengiswayo njengenye indlela ye-401k

Enye yezimpahla ezifiseleka kakhulu umuntu angaba nazo i-real estate. Umkhakha wezindlu nezindlu uphethe izingozi, kodwa unikeza amathuba amahle okukhula. Ungathengisa indawo noma uqashe iholo lakho. Zombili zingasetshenziswa ukwengeza izidingo zezimali zomhlalaphansi.

7. Ukutshalwa kwezimali kokuqala

Onxiwankulu bama-Venture kanye nabatshalizimali abacebile kakhulu abanalo ibhizinisi lokutshala imali ekuqaleni. Ungase ucabangele le nketho ukuthi iyasebenza uma inethiwekhi yakho iqinile futhi ukwazi ukuziphilisa ngayo.

Ungatshala imali ngqo noma usebenzise amapulatifomu e-crowdfunding njenge-Kickstarter Republic O I-WeFunkwesokudla Njengoba lezi zingosi zihlolwe ngaphambilini, zinikeza abasaqalayo inzuzo. Lezi zingosi zivumela ukutshalwa kwezimali okuncane kunabatshalizimali bezingelosi.

Ngaphambi kokutshala imali kunoma yiliphi ibhizinisi, kubalulekile ukwenza ucwaningo olunzulu. Ukuqonda ukuthi kunezinga eliphezulu lobungozi elihlotshaniswa nanoma yikuphi ukutshalwa kwezimali ekuqaliseni kungase kukwenze kukufanele. Nokho, imivuzo engase ibe khona ingaba nkulu.

8. 403(b) Hlela.

Uhlelo lwe-401k wuhlobo oludume kakhulu lwe-akhawunti yomhlalaphansi yenkampani. Nokho, ungase ube nokufinyelela ohlotsheni oluhlukile kuye ngendawo yakho. Ungafanelekela uhlelo lwe-403b uma usebenzela inhlangano engenzi nzuzo noma enye inhlangano engayikhokhi intela. Uhlelo lukuvumela ukuthi wenze umnikelo wangaphambi kwentela ngokufanisa inkampani. Isebenza kakhulu njenge-401k.

9. 457(b) Izinhlelo.

Uhulumeni unedumela lokunikeza izinzuzo ezinhle kakhulu. Isisebenzi sikahulumeni sinenzuzo: uhlelo lomhlalaphansi Uhlelo Lokulondoloza ImaliUkufinyelela kuyatholakala kubo bobabili abasebenzi bakahulumeni kanye nalabo abasebenza ekuphathweni kwendawo Uhlelo lwe-457(b).. Yize lezi zinhlelo zingahlukile kakhulu ohlelweni oluhlehlisiwe lwe-401k, zingathengeka kakhulu kuno-401k wendabuko.

Ingabe ufuna izinketho ezingu-401k?

Okunye okuhlukile ku-401k yendabuko kungase kube inketho ngenxa yemikhawulo yonyaka, ukucatshangelwa kwentela, noma imigomo yokutshala izimali. Kodwa-ke, amadiphozithi azenzakalelayo ayindlela enhle noma nini lapho ungakwazi.

Ngeke kudingeke ucabange ngokuthenga futhi ngeke kulinge ukutshala imali ekusaseni lakho esikhundleni sokutshala imali ngokushesha.

Umeluleki wezezimali angakusiza uzizwe uqiniseka ngokwengeziwe lapho wenza izinqumo ezinkulu. Ungabathemba ukuthi bazokusiza ukhethe ama-akhawunti afaneleka kakhulu, futhi bazokweluleka ngenani elifanele lemigomo yakho.

Bakwazisa nganoma yiziphi izinguquko noma ukulinganiselwa ukuze ukuphila kwakho kungaphazamiseki. Eminyakeni embalwa, uzozibonga