Ngakhale kuti pangakhale chitsogozo kuchokera kwa anthu, zomwe mumachita ndi ndalama zanu zapuma pantchito mukasintha ntchito nthawi zambiri. Nanga nchiyani chomwe chimachitika pa mapulani anu 401k mukasiya ntchito?
401 (k) Sungani Zosankha Mukasiya Ntchito
Ngati muli ndi 401 (k) omwe akugwiritsani ntchito ntchito, mungakumane ndi zinthu zinayi zomwe mungasankhe mukasiya ntchito: khalanibe ndi ndondomeko ya abwana anu, pendetsani ndalama ku ndondomeko ya abwana atsopano, musamalire ndalamazo akaunti yopuma pantchito (yotchedwa IRA rollover), kapena ndalama.
Nazi zinthu zomwe muyenera kuziganizira ndi njira iliyonse.
1. Chotsani ndalamazo 401 (k). Makampani ambiri amalola antchito akale kuti azikhalabe ndi ndalama zokwanira 401 (k) mapulani mpaka kalekale ngati pali $ 5,000 mu ndondomekoyi. Pa kafukufuku wa ophunzira pafupifupi 1,100 okhulupirika, pafupifupi munthu mmodzi pa atatu alionse omwe anafunsidwa amakhala 401 (k) kwa zaka 120 kapena kuposerapo chifukwa sankadziwa kuti achite chiyani. Pokhapokha ngati ndondomeko ya bwana wanu wakale ili ndi mwayi wapadera wogulitsa kapena zopindulitsa, komabe kusiya 401 (k) kumbuyoko sikungakhale kosavuta. Malinga ndi Bungwe la Labor Statistics , wogwira ntchito ku United States amasintha ntchito 11 kangapo pa ntchito yonse . Siyani 401 (k) kukonzekera kumbuyo kwa aliyense, ndipo mubwerere pantchito, muyenera kuyendetsa njira yowunika zomwe muli nazo. Padakali pano, mumayesetsa kulipira kwambiri ndalama zambiri zopanda malire.
Ndizowona kuti ngati mwakhala mukudutsa ndipo simukudziwa kuti mukutsatira, kusunga ndalama zanu 401 (k) ndi bwana wanu wakale zingakhale zomveka mu nthawi yochepa.
2. Pereka ndalama kwa 401 kampani yatsopano (k). Ngati mukuyamba ntchito yatsopano yopatsa 401 (k), mungakhale ndi mwayi wobweretsa dongosolo lanu lakale ndikuliphatikiza ndi latsopano popanda kutenga msonkho wogunda. Ngati ndondomeko yatsopanoyi ili ndi ndalama zambiri, izi zingakhale kusuntha kwakukulu. Mukusunga ndalama zanu zopuma pantchito pamalo amodzi, zomwe zimapangitsa kukhala kosavuta kusamalira nthawi.
Kuwonjezera apo, ngati abwana anu atsopano amapereka 401 (k) kukonzekeretsa ngongole, pali ngongole yowonjezera yobwereka.
3. Pereka ndalamazo pa akaunti yapayekha. Njira ina ndikutsegula zomwe zimadziwika kuti rollover IRA, akaunti yochotsera pantchito yomwe ilipo kuti iphatikize ma akaunti ena othawa pantchito pamalo amodzi. Zili ngati dengu limene mungathe kuponyera zaka 401 (k). Ndalama zinasunthira mu bungwe la IRA lopanda msonkho likulipira msonkho pantchito, ndipo iwe ukhoza kuliyika iyo mwanjira iliyonse yomwe iwe ukusankha. Mu bungwe la IRA, anthu osowa ndalama amatha kupeza mwayi wosankha ndalama, kuphatikizapo masitima, mabungwe, ndalama zogwirizanitsa, ndi zikhulupiliro zogulitsa katundu. Ngati izi zikumveka zovuta, mungathe kusankhapo thumba la moyo lomwe limasankha ndalama kwa inu malinga ndi zomwe mwakonzekera pantchito.
4. Chuma kunja kwa ndondomekoyi. Ngati pali njira imodzi yomwe mungapewe, ndikukoka ndalama 401 (k) ndalama zonse. Ngakhale ngati zikuwoneka ngati ndalama zochepa kapena mphatso panthawi yomwe ndalama zikufunikira kwambiri, mudzadandaula pambuyo pake. Ndichifukwa chakuti ngati mutenga nawo gawoli musanakwanitse zaka 59 ½, mudzayenera kulipira msonkho wa fuko pa ndalama, kuphatikizapo msonkho wa boma ndi wamba. Pamwamba pa izo, mwinamwake mudzawomberedwa malipiro 10 peresenti ya chilango cha kuchoka msanga.
(Ngakhale kuti pali zochitika zina zomwe chilango chimaperekedwa.) Ndi mtengo wapatali kulipira, ndipo umasokoneza ndalama zomwe mumakhala nazo nthawi yaitali. Mwa kuyankhula kwina, njira iyi imabweretsa mavuto ochuluka kuposa ndalama.
Ganizirani Zosankha Mwanzeru
Palibe wina 401 (k) amasunthira aliyense, koma pofufuza zomwe mungachite, mukhoza kudziwa zomwe zili zoyenera kwa inu. Ganizirani zosankha zanu mosamala musanapange chisankho, ndipo kambiranani ndi oimira anthu ndi otsogolera dongosolo pa ntchito yanu yakale ndi ntchito yanu yatsopano. Chofunika kwambiri, ngati mutasankha kusunthira ndalama kuchokera pa ndondomeko yina, yang'anani malamulo othandizira kuti mutha kusowa nthawi yeniyeni kapena kugawidwa kosayembekezereka.
Werengani Zambiri: Mmene Mungasamalire 401 (k) Mukasiya Ntchito | Mmene Mungasamalire Pensheni Mukasiya Ntchito