Izi zikuphatikizapo zinthu monga inshuwalansi ya moyo, moyo ndi ulemala, nthawi ya tchuthi, ndi Lachisanu. Zabwino zogwirira ntchito zimaphatikizansopo dongosolo lotha pantchito. Inde, ndondomeko zina zopuma pantchito zimaposa ena.
Mmodzi wabwino angapangitse phindu la malo anu ndi abwana, ndipo mwina akhoza kulipira malipiro apamwamba kwa bwana wina.
Mmene Mungayesere Mapulani Otsalira
Kodi n'chiyani chimapangitsa kuti pulogalamu yokhala pantchito ipange bwino kuposa ina? Nazi mfundo zina zomwe zingakuthandizeni kufanizitsani.
Ntchito Yopangira Ntchito Yopuma Ntchito
Pali mitundu yambiri ya ndondomeko, ndipo olemba ntchito angapereke zoposa chimodzi kapena kuphatikiza zonse zitatu.
Ndondomeko Yabwino Yopindulitsa. Zomwe zimakhala zochepa koma zofunikira kwambiri zimadziwika kuti ndondomeko yopindulitsa, zomwe ambiri amalingalira monga ndondomeko ya penshoni. Mu ndondomeko iyi, abwana amapereka ndalama ku akaunti ya wogwira ntchitoyo, ndipo amatsimikizira ndalama zina zapakhomo pamwezi pantchito.
Izi zikhoza kukhala peresenti ya malipiro, kapena kuchuluka kwa ndalama za dollar. Momwe mumalandirira zingakhale zosiyana ndi nthawi imene mumagwiritsira ntchito ndi kampani, zaka zanu, malipiro anu, komanso zina. Ndondomeko za penshoni zimatetezedwa kudzera mu Pension Benefit Guaranty Corp., bungwe la boma lomwe lingathetse ngati kampani ikulephera kapena sangathe kulandira phindu la penshoni.
Posachedwapa zaka za m'ma 1980, pafupifupi 80 peresenti ya makampani akuluakulu amapereka mwayi wopindulitsa antchito. Tsopano nambalayi ili pansi pa 30 peresenti, ndipo ikuyembekezeka kuchepa. Ngati muli ndi mwayi wopatsidwa ntchito ndi ndondomeko yopindulitsa, samalirani phindu lake poyerekeza zopereka.
Ndondomeko yopindula yopindulitsa ikhoza kuwonjezerapo ndalama zambiri ku ntchito yanu yapale ya nthawi yaitali. Komabe, fufuzani kuti muwone zomwe zimachitika pa ndondomeko yopindulitsa ngati mutasiya kampaniyo musanagwire ntchito. Ambiri omwe amafotokozedwa kuti pensions opindula sagwiritsidwa ntchito, kutanthauza kuti simungatenge nawo pomwe mutachoka ku kampani. Ngakhale makampani ena amapereka ndalama zowonongeka, zomwe zingasunthidwe ku akaunti yapadera kapena 401k ngati mutasintha ntchito.
Ndondomeko Yopereka Zowonjezera. Njira yowonjezereka kwambiri masiku ano ndi ndondomeko ya zopereka, monga 401 (k), 403 (b), kapena 457 (b) ndondomeko. Palibe ndalama zowonjezera zomwe zimalonjezedwa pantchito yopuma pantchito. M'malo mwake, wogwira ntchitoyo ayenera kusunga ndi kupereka ndalama zowonjezera ndalama zowonongeka, asankhe momwe akugwiritsira ntchito, ndikuyang'anira akaunti tsopano ndi pompuma.
Mosiyana ndi mapenshoni omwe amachititsa kuti pulogalamuyo ikhale yovuta pantchito, malingaliro omwe amapereka amapereka ngozi ndipo ntchito zambiri kwa wogwira ntchitoyo. Pa mbali yowala, ndalama zimatha kusungidwa misonkho, ngakhale mutasiya ntchito .
Chomwe chimapanga 401 (k) ndondomeko yayikulu ndizo zomwe mungagwiritse ntchito posunga ndalama ndi abwana masewera. Zosankha zamalonda ziyenera kuphatikizapo mtengo wotsika mtengo, zopanda ndalama zothandizana nazo ndalama, komanso ndalama zothandizira moyo wanu zomwe zimalola katswiri wa zamalonda kuti asankhe zosankha zanu.
Ndondomeko zabwino zimaperekanso abwana ogwirizana mu 401 (k), kumene abwana amapereka ndalama zokwana 6 peresenti pa dola iliyonse (kapena ndalama 50 mpaka 75 pa dola) yomwe mumapereka. Makampani ena amatsatsa zopereka za ogwira ntchito ndi katundu wogwirizana.
Ndondomeko yowonjezera yowonjezera imaphatikizapo ndondomeko yogawa phindu, ndondomeko zogula ndalama, ndi mabhonasi a masitolo Onse ali ofanana kwambiri, mwa olemba ntchitowo amapereka china chowonjezera kwa antchito chaka chilichonse. Pogwiritsa ntchito phindu, olemba ntchito amapereka gawo limodzi la phindu la kampani kwa antchito chaka chilichonse. Komabe, abwana saloledwa kupatsa phindu pachaka.
Ndi ndondomeko zogula ndalama, olemba ntchito amafunika kupereka zopereka zapachaka peresenti pa akaunti ya wogwira ntchito. Ngati zopereka za ogwira ntchito zimaperekedwa ngati chikhomo, ndi bonasi yachinsinsi kapena ndondomeko ya eni eni (ESOP).
Zonse mwazinthu izi zimapanga zosankha zosungira ndalama komanso ndalama zothandizira pantchito.
Kukhazikitsa Pakhomo Payekha. Mtundu wina wopuma pantchito umene abwana angapereke ndi akaunti yapuma pantchito kapena ndondomeko ya IRA, yomwe wogwira ntchitoyo amapereka ndalama zina pachaka ndipo wogwira ntchitoyo angapange kapena sangapange zophatikizana. Pali mitundu yosiyanasiyana ya IRAs, kuphatikizapo SEP IRAs, ndi SIMPLE IRAs. Mitundu yosiyanasiyana ya nkhaniyi imasiyanasiyana malinga ndi momwe mungapereke chaka chilichonse, komanso momwe abwana anu alili ndi udindo wopereka. Chofunika kwambiri kwa inu ndizomwe mungagwiritsire ntchito ndalama zanu komanso zopereka zanu.
Monga 401 (k), miyeso ya IRA ndi yotheka ndipo ikhoza kubwezeretsedwa nthawi iliyonse. Ogwira ntchito angakhale ndi mitundu yambiri yopangira ndalama mu IRA. Komabe, n'zomveka kukonda ndalama zothandizira komanso zosiyana.
Zosankha Zambiri. Wogwira ntchitoyo angapereke njira imodzi kapena zingapo zomwe mungasankhe, zomwe ndi zabwino kwa inu. Ngati mutapeza malingaliro awa pamene mukupatsidwa ntchito, mungapeze kuti ndondomeko yabwino yopuma pantchito imapangitsa munthu kupereka ndondomeko yoyenera.
Nkhani Zowonjezera: Mmene Mungayankhire Ntchito Yopereka | Mapulogalamu Opindulitsa a Job Jobwork | Zomwe Muyenera Kuziganizira Asanavomereze Kupereka kwa Ntchito