Maitiro Ekubvisa Mari Kubva I401k

Maitiro ekubvisa mari kubva ku401k. Ndingawane sei mari yangu kubva ku401k?

Kubvisa mari kubva ku401 (k) chisarudzo chikuru . Idzo ruzivo rwekuti ungawana sei mari kubva ku chirongwa 401 (k) Zvinoenderana nezera rako, chirongwa cheshandirwi, kunyangwe iwe uchiri kushandira iyo kambani inotsigira yako 401 (k) chirongwa, uye nemhando yekurega basa yauri kuita.

Kana iwe wasvitsa zera rekurega basa uye usisiri kushanda, ichave iri nzira yakatosiyana pane kana iwe uchiri mubhizinesi, kubvisa mari nekukurumidza, kana kuda chikwereti. Iwe ungangoda kutarisa iyo yakanaka kudhinda pane yako hurongwa kuti uone kuti ndeapi marudzi ekubvisa anotenderwa.

Ini ndinogona here kuwana mari kubva kune yangu 401 (k) ini ndichishanda?

Havasi vese vashandirwi vanokutendera iwe kutora mari kubva pane yako 401 (k) chirongwa ndichiri kushanda. Tarisa neako 401 (k) kuronga manejimendi kana mupi kuti uone zvinogoneka. Kazhinji, iwe uchave unokwanisa kutora 401 (k) chikwereti, kuoma pamudyandigere, kana mu-basa rekugovera.

Maitiro ekuwana mari kunze kwe401 (k) iwe uchinge uchishanda

1. 401 (k) zvikwereti

Ndingawane sei mari yangu kubva ku401k? Tora chikwereti 401 (k) inokutendera kuti ugamuchire bundu remari yako yazvino 401 (k) yaunowana uye kutsiva iyo mari nemari inobvisirwa yakabva pamubhadharo wako. Iyi kubhadhara kunosanganisira hukuru uye kufarira. Vamwe vashandirwi vanongobvumidza zvikwereti kana paine kushushikana kwezvemari, asi vamwe vanobvumidza 401 (k) zvikwereti zvevashandi vanofanirwa kukwereta mari yekutenga imba, kubhadharisa mota, kana kubhadhara imwe mari hombe.

Mapurogiramu mazhinji anoderedza zvikwereti kumadhora zviuru makumi mashanu kana hafu yemari yako yawakapihwa , zvinoenderana nekuti ndeupi mudiki. Nekudaro, iwe unogona kukwereta yakakwira muzana kana account yako yakakosha isingasvike $ 20,000. Iko kazhinji hakusi kuwanda kwemapepa uye hapana chekwereti cheki. Iwe ungatofanira kubhadhara mari diki yekugadzirisa, asi izvo zvinogona kudaro.

Kazhinji, iwe uchafanirwa kubhadhara iyo mari yakakweretwa mukati memakore mashanu, kunze kwekunge uri kubhadhara pekutanga pekugara nechikwereti. Iwe uchabhadhara zvikwereti nemari yemutero, zvinopesana neyekutanga 401 (k) mipiro, iyo inowanzo kubvisirwa mutero. Iwe unofanirwa zvakare kuziva kuti 401 (k) zvikwereti zvinononoka kukura kwako kwekudyara, sezvo iwe usingawani mari inowedzera pamari yawakakwereta kubva kuchirongwa chako.

2. Kubvisa mari yekuomerwa nemari 401 (k)

Kana iwe uri kuenda panguva yakaoma zvakanyanya uye kuratidza yakasimba uye nekukurumidza kudiwa kwemari , mazhinji e Zvirongwa zvinobvumidza kubvisa kutambudzika . Chaizvoizvo zvikonzero zvekushungurudzika kubvisa zvinosanganisira kubhadhara kudzivisa iyo kufungidzira kana kudzingwa kubva kwaunogara kwekutanga , Kubhadhara pasi kwako imba yekutanga , mari ye kuvigwa kana kuvigwa , koreji kosi kana vamwe mari yekudzidzisa , mari vanachiremba kana kugadzirisa zvakakanganiswa mumba mako. Iwe ungangoda kutsanangura matambudziko ako kune yako 401 (k) maneja. Mune zvimwe zviitiko, mupi wako anogona kukukumbira kuti upe humbowo hwekutambudzika.

Kubvisa hakubhadhariswe zvirango mune zvimwe zviitiko zvakaita sekunge kuti chikwereti chako chekurapa chinopfuura 7.5% yemari yako yakagadziriswa, wakaremara, kana dare rinoda kuti iwe upe mari kune waakarambana naye, mwana, kana waanovimba naye. Kumwe kubviswa nekuda kwematambudziko emari kunounza iyo 10% chirango. Iwe unenge uchitogara uchifanira kubhadhara wenguva dzose mari yemitero pane iyo mari yabviswa.

Iwe haugone kupa kune yako 401 (k) kuronga kwemwedzi mitanhatu mushure mekutora 401 (k) kuoma kubvisa. Mushure memwedzi mitanhatu yadarika, unogona kutangazve zvipo kusvika pahuwandu hwepamusoro mushure meizvozvo, asi haugone kudzorera iyo yemari dambudziko rekubvisa mari.

3. Kugoverwa mukushandira

Kunyangwe zvisingawanzoitika, zvimwe zvirongwa zvinokutendera kuti ubvise mari uchiri kushandiswa uchishandisa ku-basa kugovera pasina kunetseka. Kugoverwa-mu-basa kunokutendera kuti utore mari usati wasvika pachiitiko chinokonzeresa, sekusvika zera rakati kana kusiya waunoshandira.

Izvi zvinokutendera iwe kuendesa zviwanikwa kubva kune yako 401 (k) kuenda kuIRA, zvichikupa kuwedzera kuchinjika uye kutonga pamusoro pehurongwa hwekudyara. Nekudaro, rusununguko urwu runouya nemubhadharo: Kugoverwa-mukati mebasa kunogona kupinza mari yepamusoro uye kudzora kugoverwa mune ramangwana.

Maitiro ekuwana mari kubva pa401 (k) mushure mekurega basa

Paunosvika pamudyandigere, une zvishoma zvaunogona kuita. Unogona kutanga kugovera zvakafanira, kudhirowa mari, uchirega account yako ichiramba ichiunganidza mari, kana kuendesa yako 401 (k) midziyo kuIRA account.

1. Yakajairwa 401 (k) kubvisa

Izvi zvinoshanda kana iwe uri pamusoro pemakore makumi mashanu nemapfumbamwe ekuberekwa kana, mune zvimwe zviitiko, makore anopfuura makumi mashanu nemashanu. Vazhinji vanopa vanobvumidza kugara uchironga kubviswa pamwedzi kana nekota. Paunobvisa mari kubva pa401 (k), mari yasara inogona kuramba ichikura zvichienderana nemari yekudyara. Kana iwe ukamirira kusvikira wave ne70½ kuti ubve, iwe uchafanirwa kubvisaiwo mashoma anodikanwa ekugovera, kana RMD, ayo ari nguva nenguva zviyero zvinoenderana netarisiro yehupenyu uye account account. Iwe unogona kugara uchibvisa zvakawanda, asi usamboita zvishoma.

Vanachipangamazano emari ivo kazhinji vanokurudzira chiyero chekubvisa pakati pe2% uye 7% pagore , asi zvinoenderana nezvinodiwa. Funga nezve yako tarisiro yehupenyu, mari, zvimwe zvekudyara, chinzvimbo chemhuri, chinzvimbo chebasa, uye Social Security mabhenefiti. Iwe unogona kuverenga zvingangoitika mhedzisiro nekutarisa yako account account uye yazvino bhajeti. Isu tinokurudzira kutarisa kuti 4% yekubvisa mwero yaizowedzera sei uye kugadzirisa kubva ipapo.

Nhanho yekutanga kuenda pamudyandigere ndeyekubata wako mumiriri wevashandi kana wako 401 (k) kuronga maneja kana kufonera iyo nhamba pane yako 401 (k) chirevo. Ivo vanogona kupa zvinyorwa iwe zvaunoda kuti uwane mari kunze kwe401 (k).

2. Kugovera kwekutanga kwe401 (k)

Iyi sarudzo inoshanda kune vanhu vasati vava nemakore makumi mashanu neshanu kana makumi mashanu nemashanu ekuberekwa, zvichienderana nenyaya yacho, uye vanga vachishandira kambani kwenguva yakareba. Kwekutanga 401 (k) kugoverwa, iwe unobhadhara mutero wemari uye chirango che10%.

Chinjana ne401 (k) kuIRA

Iyi sarudzo yakanaka kana iwe usiri kuda kubvisa mari nguva dzose. Rinipeta pamusoro pako 401 (k) kune account yeIRA, unogona kuchengeta mari yako muIRA uye woibvisa chete kana uchinge waida. Iwe unongobhadhara mutero pane iyo mari yaunobvisa gore rega.

Mhedzisiro

Zvinyorwa uye maitiro anozosiyana zvichienderana newaunoshandira uye mhando yekuregera kwaunoita. Mushure mekupedza zvinyorwa, iwe uchagamuchira cheki yemari yakumbirwa.

Ingo chengeta mupfungwa kuti kubvisa kunozviisa pasifaindi ye10%kana ikatorwa isati yasvika makore makumi mashanu nemapfumbamwe. Iwe zvakare uchafanirwa kubhadhara mari yemitero pane iyo huwandu uye zvinogona kukura zvinorasika. Zvakanakisa kudzivirira kutora zvekutanga zvekuzorora parizvino pazvinogoneka.

Matipi ekuronga kuenda pamudyandigere

• Kuti udzivise kupinda mumamiriro ezvinhu apo iwe unomanikidzwa kukwereta kubva kune yako 401 (k) chirongwa, funga kubvunza mupi wezano wezvemari. Mupi wezano wezvemari anogona kukubatsira iwe kubhajeta uye kugadzirisa yako mari.
• Wana zano rekuti iwe uchazoda kuchengetedza zvakadii pamudyandigere. Iyopamudyandigere karukuretazvinogona kubatsira kuona kana mari yako yekurega basa iri mugwara.
• Tanga mangwanani uye chengeta mari yako muaccount yako yekubatira. Ukave uine mari yako muaccount yako yekurega basa uye nemari yakawanda yauinayo ipapo, rinonyanya kukuitira basa.

Zvinyorwa:

1. Yemukati Revenue Service. Nhaurwa Nha. 424: 401 (k) Zvirongwa . Yakasvika Kurume 10, 2020.
2. CARES ACT. H. R. 748 . Yakasvika muna Kubvumbi 6, 2020.
3. Yemukati Revenue Service. 401 (k) Resource Nongedzo - Ronga Vatori vechikamu - General Distribution Mitemo . Yakasvika Kurume 10, 2020.
4. U.S. Congress. CHOKWADI Mutemo wa2019, Sec. 113 . Yakasvika Kurume 10, 2020.
5. Kuvimbika. Kufungisisa Kweyekare 401 (k) . Yakasvika Kurume 25, 2020.
6. IRS. 401 (k) Ronga Zvidimbu Zvekufanirwa . Yakasvika Kurume 25, 2020.

Zviri Mukati

• Ini ndinogona here kuwana mari kubva kune yangu 401 (k) ini ndichishanda?
• Maitiro ekuwana mari kunze kwe401 (k) iwe uchinge uchishanda
• 1. 401 (k) zvikwereti
• 2. Kubvisa mari yekuomerwa nemari 401 (k)
• 3. Kugoverwa mukushandira
• Maitiro ekuwana mari kubva pa401 (k) mushure mekurega basa
• 1. Yakajairwa 401 (k) kubvisa
• 2. Kugovera kwekutanga kwe401 (k)
• Chinjana ne401 (k) kuIRA
• Mhedzisiro
• Matipi ekuronga kuenda pamudyandigere

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