Ndinoziva sei kuti ndine marii mune yangu 401k? Kana iwe uchitova ne401 (k) uye uchida kutarisa bharanzi, zviri nyore chaizvo. Iwe unofanirwa kugamuchira zvirevo zveakaundi yako pabepa kana zvemagetsi . Kana zvisiri, taura nedhipatimendi re Human Resources yebasa rako uye ndakabvunza kuti ndiani mupi uye sei kuti uwane account yavo. Makambani haagari achibata pensheni uye maakaundi ekurega basa. Ivo vanoendeswa kunze kune maneja maneja.
Mimwe yepamusoro 401 (k) mamaneja ekudyara anosanganisira Fidelity Investment, Bank of America ( BAC - Tora Chirevo, T. Rowe Mutengo ( TROW , Vanguard, Charles Schwab ( SCHW - Edward Jones nevamwe.
Paunenge iwe uchinge waziva kuti ndiani anorongedzerwa nehurongwa kana maneja wekudyara, iwe unogona kuenda kune webhusaiti yavo uye upinde mukati, kana kudzoreredza yako login, kuti uone account yako balance. Tarisira kuti upfuure nematanho ekuchengetedza kana iwe usina zita rekushandisa uye password yeakaunzi.
Zvizhinji zveizvi zvinofanirwa kuvharwa kana iwe uchitanga iyo 401 (k) paunobhadharwa kana kana iyo account yekurega mari sarudzo iwe yaunowana kwauri. Rondedzero senge mipiro, mutambo wekambani, uye ruzivo rwekuti ungaongorora sei nhoroondo yako yekuyera uye izvozvi kubata zvinofanirwa kupihwa.
Kutsvaga 401 (k) kubasa iwe usisiri mariri kwakatosiyana.
Ngatitii wasiya basa rako wotanga imwe nyowani. Iwe hauna kuendesa pamusoro pekurega kwako kuenda kuIRA. Mari iyoyo haiendi. Ichiripo, ichiri chako. Kuti uwane icho, bata Human Resources kubva kune waimbova mushandirwi . Kana kwave kufamba kuchangobva kuitika, hazvifanirwe kunge zvakanyanyooma kuitevera. Kana chave chinguva zvinobatsira kuve neyakare chitupa uye zvirevo kuratidza.
Ndingaite sei kuti ndizive yangu 401K balance?
Maitiro ekutarisa yangu 401k. Kushandisa 401 (k) chirongwa chekuchengetedza pamudyandigere chinokutendera iwe kuti uise mari yako pane otomatiki mutyairi pamwe nekubvisa otomatiki payroll. Uye zvakare, iwe unogamuchira kuregererwa kwemitero kune yako mipiro uye iyo mibairo haibhadhariswe mutero kusvikira iwe watora izvo kugoverwa kubva kuaccount. Nekudaro, kuti uve nechokwadi chekuti uri munzira yekuenda kuhope kurota, iwe unofanirwa kutarisa yako 401 (k) chiyero nguva nenguva. Pamusoro pekuziva yako 401 (k) chiyero, zvakakoshawo kuti uzive kuwanda kweakaundi yako yawakatenga, kunyanya kana uri kufunga nezvekuchinja mabasa munguva pfupi iri kutevera.
Kuongorora Yako 401 (K) Ronga Balance
Yako 401 (k) chirongwa chinodiwa kuti chikupe chirevo chemubatsiro kamwechete pagore kana yako 401 (k) chirongwa hachikubvumidze iwe kuti utungamire kudyara muaccount yako kana angangoita kota yega yega kana uchikwanisa kutungamira mari dzako.
Pamusoro pezvirevo zveakaunzi izvi, mamwe 401 (k) zvirongwa zvinopa kuwanikwa pamhepo kumaakaundi ako ekurega basa kuti utarise bhalansi yako kana kuyera yako portfolio. Bazi rezvevashandi rekambani yako rinokwanisa kukupa ruzivo rwese Iwe unofanirwa kuseta yepamhepo yekutumira kuti utarise yako 401 (k) chiyero.
Zvakawanda sei zvandinofanira kuva nazvo mune yangu 401k?
Iko hakuna imwechete-saizi-inokodzera-yese mhinduro kumubvunzo: Ndingave nezvakawanda sei ini mune yangu 401k? Kunyangwe iwe uchifanira kutanga kuisa mari mu401k nekukurumidza sezvazvinogona, vamwe vanhu vangangowana mukana iwoyo ipapo, uye izvo zvakanaka. Iyo poindi ndeyekuzviita kana uchikwanisa.
Paunopedzisira watanga kuisa mari, pane mimwe mirau yakanaka yechigunwe kuti ikubatsire kuita sarudzo inonzwisisika nezvekuti yakawanda sei iwe yaunofanirwa kuve nayo mune yako 401k.
- Pazera remakore makumi matatu , iwe unofanirwa kuve uine rinenge gore rimwe remari pane yako 401k. Izvi zvinoreva kuti kana iwe ukaita $ 60,000, iwe unofanirwa kunge wakachengeta iyo huwandu pane yako 401k.
- Pazera remakore makumi mana , iwe unofanirwa kuve uine angangoita matatu makore emari pane yako 401k. Izvi zvinoreva kuti kana iwe waive uchiita madhora zviuru makumi masere panguva yawakasvitsa makumi mana, iwe unofanirwa kunge uine mari inosvika mazana maviri nemakumi mana ezviuru yakachengetwa pane yako 401k.
- Pazera remakore makumi mashanu , iwe unofanirwa kuve uine makore mashanu emakore emari pane yako 401k. Izvi zvinoreva kuti kana iwe ukawedzera mari yako kusvika pa $ 100,000, unofanirwa kunge uine $ 500,000 yakachengetwa mune yako 401k.
- Zvezera rekurega basa (makore makumi matanhatu nemashanu) , unofanirwa kunge uine makore masere emari pa401k yako. Izvi zvinoreva kuti kana iwe ukawedzera mari yako kusvika pa $ 150,000, iwe unofanirwa kunge uine $ 1,200,000 yakachengetwa pane yako 401k.
Ehezve, iyi ingori mitemo yakajairika. Izvi zvinoreva kuti vanongokupa imwe chete rough fungidziro yezvavanofanirwa kuve nazvo panguva yavanosvika mazera aya. Ivo havana hanya neako wega mari uye zvaunoona.
Muchokwadi, hapana mhinduro imwechete kune yakawanda iwe yaunofanirwa kuve nayo mune yako 401k, uye chero munhu anokuudza neimwe nzira anogona kunge ari kukunyepera kana kungoziva.
Ini ndaigona kuburitsa toni yenhamba uye ndikuratidze kuti mangani munhu mune yavo 20s uye 30s ari kuchengetedza, asi iko kungave kwakakwana kutambisa nguva nekuda kwezvikonzero zviviri:
- Izvo hazvigoneke kuenzanisa zvakaenzana vaviri varimi. Wese munhu ane yavo yakasarudzika mamiriro ekuchengetedza. Ndosaka zvingave zvakapusa kuenzanisa iyo Ph.D. Mumwe mudzidzi akasungirirwa nezviuru zvezvikwereti zvevadzidzi nechikwereti chechechechechecheche uyo akangowana basa rakanaka remakambani matanhatu mwedzi wekutanga mushure mekoreji. Ose ari maviri achaponesa zvakatosiyana, saka hazvina kukodzera kuzvienzanisa.
- Vanhu vazhinji havana kugadzirira mari pamudyandigere. IAmerican Institute of Certified Veruzhinji maAccountants nguva pfupi yadarika yakaburitsa chidzidzo chakawana kuti vangangoita hafu yevaAmerican vese havana chokwadi chekuti vanogona kuwana mari yekurega basa. Izvo zvinototyisa kana iwe ukafunga chokwadi chekuti vanhu vazhinji vanopfuurisa huwandu hwemasefa avo avanozokwanisa kushandisa kana vabva pamudyandigere .
Saka pane kunetseka nezve minutiae senge yaunofanirwa kunge wakachengetedza, tarisa kune ramangwana. Chinhu chakakosha ndechekuti iwe:
- Ita tsvagiridzo yako. Izvo zvauri kutove kuita nekuverenga chinyorwa ichi.
- Kurangwa. Izvi zvinoreva kugara uchichengetedza mari.
- Tanga mangwanani. Nguva yakanakisa yekutanga kuisa mari yaive nezuro. Yechipiri yakanakisa nguva iri izvozvi. Saka tanga uye usazvidya moyo nezve zvimwe zvese.
Ichi ndicho chikonzero nei zvichikosha kuti iwe unzwisise chaizvo kuti yako 401k chii uye nei ichikosha panzira yako yekurega basa.
Chisungo: Kuva neanopfuura mari imwe yemubhadharo kunogona kukubatsira kupfuura munguva dzakaoma dzehupfumi. Dzidza maitiro ekutanga kuwana imwe mari neyangu YEMAHARA Yekupedzisira Gwara rekuwana Mari
Chii chinonzi 401k?
A 401k rudzi rwakasimba rweakaundi yekurega basa iyo makambani mazhinji anopa vashandi vavo. Nenguva yega yega yekubhadhara, iwe unoisa chikamu chemubhadharo wako pamberi pemitero pane iyo account.
Iyo inonzi account yekurega basa nekuti inokupa iwe mibairo mikuru yemutero kana ukasabvisa mari yako kusvika wasvitsa 59½ (zera rekurega basa).
Uye kune zvakawanda zvakanakira kuve ne401k account:
- Investments pamberi pemitero. Iyo mari iwe yaunopa kune 401k chirongwa haina kubvisirwa mutero kusvikira iwe uchibvisa iyo pa 59½, zvinoreva kuti une mari yakawanda yekudyara mukukura kwemakomponi. Kana iyo mari yakaiswa muakaundi account yekudyara, chikamu chayo chinoenda kumutero wemari.
- Mari yemahara ine mushandirwi anoenderana. Mazhinji makambani anopa 401k anoenderana newe 1: 1 kusvika kune imwe chikamu chemubhadharo wako. Ngatitii kambani yako inopa 5% mutambo. Kana iwe ukawana $ 100,000 / gore uye ukaisa 5% yemubhadharo wako wepagore ($ 5,000), bhizinesi rako rinoenderana newe $ 5,000, richipeta mari yako. Mari yemahara!
- Otomatiki mari. Uine 401k, yako mari inotorwa kubva muhomwe yako uye yaiswa mari otomatiki, zvinoreva kuti haufanire kupinda muakaundi yekweretesi kuti unodyara mwedzi wega wega. Uku kugona kwakanaka kwepfungwa kwekuchengetedza iwe uchiisa mari.
Tarisa uone pazasi pazasi inoratidza kuti nei uchifanira kugara uchiisa mari mune yako 401k:
| Makore | Mipiro yako | Mushandirwi machisi | Balance pasina muridzi muripo | Kufanana nemushandirwi shamwari |
| 25 | $ 5,000 | $ 5,000 | $ 5.214 | $ 10,428 |
| 30 | $ 5,000 | $ 5,000 | $ 38,251 | $ 76,501 |
| 35 | $ 5,000 | $ 5,000 | $ 86,792 | $ 173,585 |
| 40 | $ 5,000 | $ 5,000 | $ 158,116 | $ 316,231 |
| Chechina | $ 5,000 | $ 5,000 | $ 262,913 | $ 525,826 |
| makumi mashanu | $ 5,000 | $ 5,000 | $ 416,895 | $ 833,790 |
| 55 | $ 5,000 | $ 5,000 | $ 643,145 | $ 1,286,290 |
| 60 | $ 5,000 | $ 5,000 | $ 975,581 | $ 1,951,161 |
| Makumi matanhatu nemashanu | $ 5,000 | $ 5,000 | $ 1,350,762 | $ 2,701,525 |
Saka mhinduro yakanaka kune yakawanda sei yandinofanira kuwana mune yangu 401k iri zvisingapfuure zvakakwana kuti mushandirwi aenzane. Uye chaizvo, pane zvikonzero zviviri chete KUTI isa mari mu401k:
- Iwe wakasungwa pachitsuwa chegwenga uye mushandi mabhenefiti ari kushomeka.
- Wako waunoshandira haape 401k.
Kana wako waunoshandira achipa 401k chirongwa chine machisi, ita shuwa kufonera mumiriri wako weHR wozvinyoresa izvo nekukurumidza sezvazvinogona.
Kana wako waunoshandira ASI kupa 401k chirongwa, kusaina zvakadaro (asi iwe haudi kuzodyara mairi - tarisa vhidhiyo yangu pazasi kuti uwane rumwe ruzivo).
Paunoita, iwe unogona kutanga kushamisika kuti yakawanda sei iwe yaunofanirwa kuve nayo mune yako 401k. Uye mhinduro inoenderana nezvinhu zvinoverengeka.
Marii yaunogona kupa kune yako account yekurega basa?
Sezvo neRoth IRA, pane muganho kune yakawanda sei iwe yaunogona kupa kune 401k. Zvisinei, kusiyana neRoth IRA, unogona kupa ZVAKAWANDA zvakanyanya.
Kutanga muna 2019, unogona kupa kusvika kumadhora 19,000 gore rega rega kune yako 401k kana uri pasi pemakore makumi mashanu.
Kana iwe uri pamusoro pe50, iwe unogona kupa kusvika kumadhora zviuru mazana matanhatu, zvepamusoro $ 24,500 / gore.
Kuenzaniswa neRoth IRA, kwaunongogona kupa kusvika kumadhora zviuru zvitanhatu pagore, uyu mukana zvinoshamisa Kunyanya sezvo yako pre-mutero mari inoungana nekufamba kwenguva.
Marii yaunofanira kupa kune yako 401k?
Marii yaunofanirwa kuisa mari mwedzi wega wega inoenderana nesystem yandinodaidza iyo Yemari Mari Chiyero. Tarisa nzvimbo nhatu:
- Wako waunoshandira 401k. Mwedzi wega wega, iwe unofanirwa kupa zvakanyanya kudikanwa kuti uwane zvakanyanya kubva kune yako kambani 401k mupiro. Izvi zvinoreva kuti kana bhizinesi rako richipa 5% machisi, iwe unofanirwa kupa AT LEAST 5% yemari yako yemwedzi kune yako 401k mwedzi wega wega.
- Kana iwe uine chikwereti. Kana iwe uchinge wabvumirana kupa zvirinani mari yemushandirwi kune yako 401k, unofanirwa kuona kuti hauna chikwereti. Kana zvisiri, zvakanaka! Kana zvikadaro, zvakanaka.
- Yako Roth IRA Mupiro. Kana uchinge watanga kupa kune yako 401k uye kubvisa chikwereti chako, unogona kutanga kuisa mari muRoth IRA. Kusiyana neako 401k, iyi account yekudyara inokutendera iwe kuti utore mari mushure-yemutero uye hautorere mutero pane zvaunowana. Sekunyora uku, unogona kupa kusvika kumadhora zviuru zvitanhatu / gore.
Kana uchinge wapira pamadhora zviuru zvitanhatu kuRoth IRA yako, dzokera kune yako 401k uye utange kupa kupfuura yemutambo.
Rangarira, iwe unogona kupa kusvika kumadhora 19,000 / gore kune yako 401k kana iwe uri pasi pemakore makumi mashanu. Saka haufanire kunge uine dambudziko rekuenderera nekudyara mune yako 401k.
Uye kana uchikwanisa kuibuditsa kunze, ita chokwadi chekundifonera. Tichaenda kunonwa newe.
Asi Ramit, nei ndichifanira kuburitsa Roth IRA yangu pamberi pe401k yangu kana iri yakanaka kudaro?
Pane yakawanda nharo nerdy munharaunda yeyemari mari pane iyi chaiyo nyaya, asi chinzvimbo changu chakavakirwa pamitero nemitemo.
Kufunga kuti basa rako rinofamba zvakanaka, iwe unenge uri mune yakakwira bracket kana iwe uchienda pamudyandigere, zvinoreva kuti uchafanirwa kubhadhara mimwe mitero ne401k. Zvakare, mitero yemitero inogona kuwedzera mune ramangwana.
Nhanho yemari yako inouya inobatsira kana uchifunga zvekuisa pakutanga kana zvasvika kune ako ekudyara. Kuti uwane rumwe ruzivo, tarisa vhidhiyo yangu isingasviki maminetsi matatu kwandinoitsanangura.
Zviyero neVested Kodzero Uye Pasina Mari
Chikamu chakabereka cheyako 401 (k) chirongwa ndicho chikamu chaunogona kutora kana ukarega kushandira kambani. Iwe unogara wakazvipira zvizere kumipiro yaunoita kune yako 401 (k) chirongwa, saka usamire kupa mipiro nekuti hauzive kuti uchagara kwenguva yakareba sei nekambani. Asi kana iwe usina kodzero dzakapihwa paunobva, unogona kurasikirwa neimwe kana yese yemipiro iyo iwe waunoshandira wakakuitira.
Kuwanikwa kweMushandirwi Mipiro
Nekudaro, wako waunoshandira anogona kuita chirongwa chemubairo wemipiro yavanokuitira, sekufananidza mipiro. Nekudaro, pane muganho wenguva uyo waunoshandira anogona kuti iwe ushande usati wapiwa zvizere. Chirongwa chega chega chekupa chinofanirwa kupihwa kanenge nekukurumidza seimwe yesarudzo mbiri.
Cliff's mubairo chirongwa chinoda kuti vese vashandi vapihwe zvizere muvashandi mipiro pakupera kwegore rechitatu rebasa. Iyo yakapihwa chikamu mubairo inoda kuti vashandi vave neinenge makumi maviri muzana muzana kodzero dzakapihwa mushure memakore maviri uye imwezve makumi maviri muzana gore rega rega mushure meizvozvo.
Semuenzaniso, chirongwa chekusimbisa chinopa vashandi zvikamu gumi kubva muzana zvemubhadharo wevashandirwi mushure megore rekutanga, uyezve imwezve makumi matatu muzana gore rega rega zvichizotevera, zvinokodzera nekuti zvinogara zviri pamberi pehurongwa hwekubatanidza zvishoma nezvishoma. Nekudaro, chirongwa chakakodzera chinopa vashandi zvizere mushure memakore mana, asi chisingape chero kodzero pamberi pacho, chinokundikana bvunzo nekuti, pakupera kwegore rechitatu, mushandi haana kodzero dzakapihwa zvachose, iri kumashure zvese sarudzo.
Zviri Mukati
- Ndingaite sei kuti ndizive yangu 401K balance?
- Kuongorora Yako 401 (K) Ronga Balance
- Zvakawanda sei zvandinofanira kuva nazvo mune yangu 401k?
- Chii chinonzi 401k?
- Marii yaunogona kupa kune yako account yekurega basa?
- Marii yaunofanira kupa kune yako 401k?
- Zviyero neVested Kodzero Uye Pasina Mari
- Kuwanikwa kweMushandirwi Mipiro