Ka mālamaʻana i kāu 401 (k)

ʻO ke alakaʻi o ka hoʻomakaʻana i nāʻano likeʻole o 401 (k) Nā papahana

Inā ua nīnauʻoe iāʻoe iho, " He aha ka papahana 401 (k)? ",ʻo ka pane pokole a me ka pane liʻiliʻi e hiki mai i kēia: A 401 (k)ʻaʻole kahi hoʻokele. Heʻano ia o ka helu i loaʻa nā waiwai kūikawā e hiki ai iāʻoe ke kūkulu i ka waiwai ma o ka hoʻokomoʻana i nā waiwai e like me ke kālā kaulike , nā waiwai , nā kumukūpū helu , a me nā hilinaʻi waiwai waiwai waiwai . Aia nāʻano likeʻole 401 (k) hoʻolālā, kēlā me kēia me nā mea kūikawā kūikawā a me nā hua kuhiʻana mai nā kānāwaiʻauhau i ka palekana bane.

ʻO ka 401 (k) Plan vs. ka 403 (b) Pāʻani

Ināʻoe e hana no kaʻaha aupuni aʻaʻohe waiwaiʻole,ʻaʻoleʻoe e kūpono no kahi helu 401 (k). Ma kahi paha, hiki iāʻoe keʻike i ka inoa 403 (b). No kaʻikeʻana i kēia mau mea, heluhelu i kaʻikeʻana i kāu 403 (b) Plan .

ʻO ka Roth 401 (k) Plan - He New Twist ma ka Classic 401 (k)

ʻO kekahi o nā hana hou loaʻo Roth 401 (k). Aia kēiaʻano kūikawā o 401 (k) i nā hua like likeʻole o kahi Roth IRA . Ponoʻoe e hāʻawi i ke kālā i ka papahana aʻaʻoleʻoe e kākau i ka haʻawina o kāu mauʻauhau akāʻaʻoleʻoe e uku i kahi peni i ka auhau kālā a iʻole ka pane kālā kālā kālā ma ke kālā, inā paha ua uluʻo ia i kaʻumi miliona miliona i ka manawa e haʻalele aiʻoe! Ma kahi kūlohelohe 401 (k),ʻo ka hoʻokaʻawaleʻana,ʻo nā haʻawina he mea hikiʻole ke hōʻiliʻiliʻia, a ke uku wale neiʻoe i kaʻauhau ke hemo ka kālā.

Ke Kinohi liʻiliʻi 401 (k) - Ka koho maʻamau no ka hoʻohana ponoʻia

No nā mea liʻiliʻiʻoihana a iʻole nā ​​mea lawelawe no lākou iho,ʻo kahi koho nui loa paha he mea hoʻohana iā 401 (k).

ʻO kekahiʻanoʻano hou o ka pūʻulu hoʻomaha, he nui nā hiʻohiʻona e hiki ai ke hoʻonui i ka maikaʻi i nā meaʻoihana liʻiliʻi ma mua o ka (SEP-IRA) i kaulana loa.

E ho'ēmi i ke koho o 401 (k) e hoʻolālā i kahi kūʻai

Ke mālamaʻoe i kahi helu 401 (k), he nui nā pilikia e makemake anaʻoe e ho'āʻo a hoʻohaʻahaʻa.

Eia kēia mau mea:

• Kūʻai i ka Waikohana o kāu Kelehua : Peheaʻoe eʻike ai ināʻo McDonald's / Wal-Mart kāu haku hana a iʻole Enron / Worldcom? ʻO nā papahanaʻelua i hoʻolako i kā lākou mau limahana i ka waiwai, akāʻo kaʻelua hope loa iʻikeʻia i ka paukū.
• ʻO ka pilikia o ka hoʻonui i ke kālā i kāu helu 401 (k) i kēlā me kēia manawa. Hiki ke hoʻemiʻia e kahi hana iʻikeʻia he pānaʻi kālā .
• ʻO kekahi o nā nīnau maʻamau i nīnauʻia iā mākou,ʻo ia: E laweʻoe i 401 (k) Loan? ʻO ka pane e pili ana i nāʻano likeʻole, a he mau pōmaikaʻi a me nā pōpilikia.
• ʻO kekahi nīnau hou a mākou e loaʻa pinepine ai, inā pahaʻoe e hoʻomau i ke kākoʻo i kāu helu 401 (k) e pili ana i nā māhele kūʻai, nā luhiʻoihana, a iʻole kekahi mau helu'ē aʻe. Ma kahi puke kūikawā, Mai hoʻokaʻawale i ke kōkua i kāu 401 (k) , ke wehewehe nei mākou i ke kumu e lilo ai kēlāʻikepili i mea kūponoʻole.

He aha ka hana i koʻu 401 (k) Ke haʻalele au i kaʻu hana?

Loaʻa iāʻoe nā koho no kāu 401 (k) ke haʻaleleʻoe i kahi hana. ʻO ka mea maikaʻi loa he mea i kapaʻiaʻo Rollover IRA e hiki ai iāʻoe ke lawe i ke kālā i kou 401 (k) a mālamaʻia i kahi pale i kahi waihona waihona kālā. No kaʻikeʻana e pili ana i kēia hiʻohiʻona kūikawā, e heluhelu i ka hoʻomaopopoʻana i kāu Rollover IRA .