Cov neeg ua haujlwm uas dov lawv 401 (k) mus rau hauv IRA thaum tawm hauv lawv txoj haujlwm tuaj yeem teeb tsa lawv tus kheej kom poob ntau txhiab daus las rau cov nqi siab dua, qhov kev tshawb pom uas qhia ntau cov neeg ua haujlwm yuav ua kom zoo dua tso lawv cov nyiaj khaws tseg nrog lawv cov tswv haujlwm qub.
Ntawm cov nyiaj sib koom ua ke uas feem ntau tuav cov khoom lag luam, cov nuj nqis txhua xyoo rau cov khoom muag muag nruab nrab yog 0.34 feem pua ntawm cov ntsiab lus siab dua li cov koom haum koom nrog, raws li Pew tsab ntawv ceeb toom. Txawm hais tias qhov ntawd yuav tsis zoo li ntau, nws yog kwv yees li 37% siab dua, tsab ntawv ceeb toom tau sau tseg.
John Scott, tus thawj coj ntawm Pew Charitable Trusts tau hais tias "Nws tsis yog qhov rollovers lawv tus kheej uas yog qhov teeb meem," said John Scott, tus thawj coj ntawm Pew Charitable Trusts 'kev txuag nyiaj laus. "Qhov teeb meem yog peb qhov tseem ceeb txav nyiaj los ntawm ib tus account nrog ib tus nqi qauv mus rau ib tus account nrog lwm tus qauv nqi."
Cov Nqi Them Nqi
Yog tias cov neeg khaws nyiaj tsis paub txog qhov sib txawv ntawm cov nqi, nws tuaj yeem ua mob rau lawv ntev. Daim ntawv tshaj tawm, uas txheeb xyuas 2019 cov ntaub ntawv, saib ntawm ib qho nyiaj nruab nrab ntawm cov khoom lag luam thiab pom tias ib qho ntawm nws cov koom haum koom nrog cov chav kawm muaj tus nqi sib piv ntawm 0.74%, thaum lub khw muag khoom sib koom ntawm tib cov nyiaj muaj tus nqi sib piv ntawm 1.1%. Ntawm TIAA, qhov nruab nrab qhov hnyav tus nqi piv rau cov peev nyiaj yog 0.76% rau cov khw muag khoom, piv rau 0.48% rau lub koom haum, thaum tib hom nyiaj ntawm Vanguard nws yog 0.1% rau cov khw muag khoom thiab 0.09% rau lub koom haum.
Cov kev sib txawv me me no tuaj yeem ntxiv. Ib tug neeg ua haujlwm uas so haujlwm thaum muaj hnub nyoog 65 xyoos nrog $ 250,000 thiab yob nws 401 (k) rau IRA yuav nce nrog $ 20,513 tsawg dua thaum muaj hnub nyoog 90, raws li ib qho piv txwv hauv tsab ntawv tshaj tawm uas xav tias cov nyiaj sib xyaw nrog 0.65% tus nqi siv hauv IRA , piv rau 0.46% hauv 401(k) txoj kev npaj. Nws tseem xav tias tus nqi xa rov qab ntawm 5% hauv ib xyoos thiab rho tawm txhua hli ntawm $ 1,000.
Rau cov neeg ua haujlwm hluas, qhov poob rau cov nqi siab dua yog qhov ntau dua. Ib tug 26-xyoo-laus uas yob tshaj 401 (k) qhov nyiaj tshuav ntawm $ 30,000 rau hauv IRA yuav muaj $ 64,647 tsawg dua thaum muaj hnub nyoog 66 xyoo hauv cov peev nyiaj nrog 1.24% tus nqi txhua xyoo hauv IRA, piv rau 0.9% tus nqi rau tib cov nyiaj. nyob rau hauv ib tug 401(k), raws li ib tug piv txwv nyob rau hauv tsab ntawv ceeb toom uas xav tias ib tug tiag tiag tus nqi ntawm rov qab los ntawm 8% nyob rau hauv ib xyoos thiab tsis muaj kev pab ntxiv tom qab thawj rollover.
Yuav Ua Li Cas
Yog li dab tsi yog tus cawm seej ua? Tshawb nrhiav koj cov nqi nyiaj txiag yog qhov chaw zoo pib. Koj tuaj yeem nrhiav tau lawv hauv online, ntxiv rau cov phiaj xwm nyiaj laus yuav tsum xa cov neeg tuaj koom qhov kev tshaj tawm tus nqi txhua xyoo uas qhia txog lawv.
Tom qab ntawd thaum koj tawm ntawm koj txoj haujlwm, saib rau hauv koj cov kev xaiv. Yog tias koj tus lej nyiaj tshuav ntau dua $ 5,000, feem ntau koj raug tso cai tawm ntawm koj li 401 (k) nyob qhov twg, nrog koj tus tswv haujlwm qub txoj kev npaj. Nws dhau los ua tsis muaj zog, yog li koj tuaj yeem pab tsis tau nws ntxiv lawm, tab sis koj tseem tuaj yeem ua kom zoo dua ntawm cov nqi qis dua thiab txhua qhov kev lag luam loj hlob uas koj cov kev sib npaug uas twb muaj lawm dhau sijhawm.
Yog tias koj qhov nyiaj tshuav nyob nruab nrab ntawm $ 1,000 thiab $ 5,000 thiab koj tsis xaiv los yob lossis rho nyiaj tawm koj tus as-qhauj, koj tus tswv ntiav haujlwm raug tso cai dov koj tus as-qhauj mus rau hauv IRA uas nws teeb tsa rau koj. Thiab yog tias koj qhov nyiaj tshuav qis dua $ 1,000, koj qhov chaw ua haujlwm tso cai rau koj rho nyiaj tawm ntawm txoj kev npaj thiab xa koj daim tshev yam tsis tau tso cai.
Ntawm Vanguard cov neeg koom nrog, 52% tseem nyob hauv lawv txoj kev npaj qub thaum lawv tawm lawv txoj haujlwm hauv 2021, thaum 18% dov lawv 401 (k) dhau mus rau hauv IRA thiab 29% tau them nyiaj tawm lawv tus as khauj hauv ib pob nyiaj, raws li lub tuam txhab tsis ntev los no. qhia, Yuav Ua Li Cas America Txuag Xyoo 2022.
Nws tsis yog ib qho xwm txheej uas tus tswv haujlwm txhawb nqa 401 (k) txoj kev npaj muab nqi qis dua li IRA. Qee tus tswv ntiav me me yuav tsis muaj peev xwm nkag mus rau lub tuam txhab tus nqi, uas tuaj yeem muaj cov nyiaj tsawg kawg nkaus thiab lwm yam kev xav tau, hais tias Dave Stinnett, tus thawj coj thiab tus thawj coj ntawm Kev Sib Tham Txog Kev Soj Ntsuam ntawm Vanguard. Qhov tseem ceeb yog cov neeg ua haujlwm sib piv cov nqi thiab txiav txim siab paub, nws hais ntxiv.
Sau rau Elizabeth O'Brien ntawm [email tiv thaiv]