Mapindu Ogwira Ntchito Akupezeka Ogwira Ntchito Akusungira Ntchito Yopuma
Pali njira zambiri zomwe ogula angayambe kupulumutsira zaka zawo zapuma pantchito. Kwa anthu ogwira ntchito, izi nthawi zambiri zimatengera kugwiritsa ntchito mapulani omwe amapatsidwa pantchito yopuma pantchito omwe amapatsidwa ndi abwana. Nthawi zambiri, olemba ntchito amagwirizanitsa gawo limodzi la ndalama zisanapereke ndalama pambaliyi.
Mapindu Ogwira Ntchito Okonzekera Kukonzekera Kupuma Kusunga
Pali ndalama zambiri zomwe zimathandiza ogwira ntchito kusamalira ndalama zawo ndikukonzekeretsa pantchito.
Mipingo yowonjezera yowonjezera ndalama, ikuphatikizapo Ndondomeko Yopuma Misonkho (IRA), Mapulani Osungira Mapulogalamu Osungirako Ntchito ndi Mapulani Omwe Amakhala Osungidwa Misonkho, Mapulogalamu Aphatikizidwe, Kupindula, Ndondomeko Yabwino, Ntchito Zogwirira Ntchito (ESOP) .
Tiyeni tiwone bwinobwino ndondomeko yopuma pantchito yopuma pantchito.
Ndondomeko Yopuma Mumpingo (IRA)
Pakalipano, pali ma IRA angapo ogwira ntchito ogwira ntchito, Traditional IRA ndi Roth IRA. Zolinga zonsezi zimalola antchito kufotokozera zapadera za msonkho wapadera wa ndalama zomwe zimapindula ku akaunti ya msonkho. Nkhani Yachikhalidwe ndi ya antchito mpaka zaka 70 1/2 ndipo Roth ndi omwe ali ndi msinkhu uliwonse. IRS imapanga malire a momwe wogwira ntchito angathandizire aliyense wa IRA, pogwiritsa ntchito njira zingapo. Olemba ntchito angagwirizanenso ndi gawo kapena ndalama zonse za ogwira ntchito ku IRA, mpaka ku malire a IRS omwe amavomerezedwa.
Mipingo Yopulumutsira Ntchito
Akuluakulu ogwira ntchito angathe kuchotsa msonkho wokonzekera pantchito. Ndondomeko yowononga ndalama, monga 401 (k), imapatsa antchito mwayi wopereka gawo la malipiro ku akaunti iliyonse, ndipo olemba ntchito angathandizenso kuti izi zitheke kuwonjezera ndalama.
Kupereka kwa ndalama 401 (k) ndalama, kuphatikizapo malipiro, zimaphatikizidwa pamalipiro okhometsa msonkho pantchito. Ichi ndi chimodzi mwa mitundu yodziwika bwino yopangira ntchito yopuma pantchito chifukwa ndi yosamala komanso yosavuta kuyendetsa.
Ndondomeko Zotsalira Zakale
Njira inanso yochotsera ntchito payekha ndi Pulezidenti Wosungidwa Misonkho kapena 403 (b), yomwe yapangidwa makamaka kwa antchito ogwira ntchito, monga aphunzitsi m'masukulu onse ndi ogwira ntchito za mabungwe ena omwe salipira msonkho 501 (c) (3). Ogwira ntchito ndi olemba ntchito angathandize pulogalamuyi.
Mapulogalamu Omwe Aphweka Ogwira Ntchito (SEP)
Mosiyana ndi njira zina zopuma pantchito, Simplified Employee Pension (SEP) imathandizidwa ndi abwana amapereka okha. A SEP ingagwiritsidwe ntchito ndi aliyense wogwira ntchito, ndipo ndalama ziyenera kukhala zofanana kwa antchito onse, kuperekedwa kamodzi pachaka chaka. Ogwira ntchito ndi 100 peresenti yochokera tsiku limodzi.
Kugawana Phindu
Makampani ambiri amapitirizabe kupereka mapulogalamu omwe amapereka ndalama zowonongeka nthawi zonse. Chaka chilichonse, ngati kampaniyo ipanga phindu, ndalamazi zingaperekedwe ku malipiro onse omaliza ogwira ntchito ogwira ntchito, kapena kugawidwa kwa SEP, IRA, kapena 401 (k) nkhani.
Ndondomeko Yofotokozedwa
Ndalama zowonongeka zomwe zimaperekedwa ndi abwana kwa ogwira ntchito ogwira ntchito pantchito yawo yopuma pantchito.
Bwanayo amaika peresenti ya malipiro a wogwira ntchito ku akaunti yosungirako, kuti azigwiritsidwa ntchito mwachindunji kwa ndalama zopuma pantchito. Ndalamayi iyenera kuwonetsedwa chaka chilichonse ndi abwana ndipo imayesedwa kuti ndi yofunika. Osati kusokonezeka ndi ndondomeko yowonjezera yowonjezera, yomwe ndi ndalama zokwanira zoperekedwa ndi abwana kuti azigwiritsidwa ntchito pa inshuwalansi ya umoyo ndi ndalama zamankhwala.
Mapulani a Ogwira Ntchito (ESOP)
M'malo mopindula ndalama, olemba ntchito angapatsenso ndalama zothandizira pantchito monga a Employee Stock Ownership Plans (ESOP), zomwe zimalola ogwira ntchito kugula katundu wa kampani pamsika wamakono pakanthawi. Nthaŵi zina, kampaniyo ingangopereka mwayi wogulitsa katundu kapena kugulitsa katundu pamtunda wotsika kusiyana ndi phindu la anthu panthawi iliyonse phindu la ndalama ngati gawo la chiyanjano cha malipiro.
Pamene mukuyamba kukonzekera zaka zanu zapuma, zikuwonekeratu kuti pali njira zambiri zothetsera ndalama zomwe zingathandize moyo wanu zaka khumi kapena makumi awiri mutasiya ntchito. Funsani ndi abwana anu kuti mudziwe zambiri zokhudza ndalama zomwe mungapindule nazo.