PensionBee: Roll over 401(k)s

I-PensionBee isiza ukwenza kube lula ukudlulisela ama-401(k) akho amadala kanye nama-IRA ku-PensionBee IRA entsha, ikusize uhlanganise futhi uphathe yonke imali yakho yokonga umhlalaphansi endaweni eyodwa. Khetha ku-Traditional, Roth, noma i-SEP IRA bese uhlela ngokuzethemba ikusasa lakho ngeplatifomu ewine imiklomelo.

Kungani i-PensionBee?

- Thola i-1% Match: Uma udlulisela ama-401(k) akho amadala noma ama-IRA bese wenza iminikelo ku-PensionBee IRA yakho, uzothola i-1% match.

- Yakhelwe i-Modern Saver: Wonke ama-akhawunti akho omhlalaphansi kuhlelo lokusebenza olulodwa, afinyeleleka noma nini.

- Imali Elula Nebonakalayo: Kukhona imali eyodwa kuphela yonyaka esobala, esekelwe kuphothifoliyo yakho yokutshalwa kwezimali, kusukela ku-0.5% kuya ku-0.85%, ngaphandle kokumangala noma izindleko ezifihliwe.

- Ukusekelwa Okuqondene Nawe: Uthola umphathi we-akhawunti ozinikele, osekelwe e-U.S. (sibabiza ngokuthi yi-BeeKeepers) ukusiza ukuhlanganisa ama-akhawunti akho atholakala ngocingo, ingxoxo ebukhoma, noma i-imeyili.

– Izinketho Zokutshalwa Kwezimali Eziguquguqukayo: Khetha kumaphothifoliyo amahlanu ahlukahlukene aqhutshwa yi-ETF njenge-SPY ne-MDY evela ku-State Street Investment Management, enye yabaphathi bezimpahla abakhulu emhlabeni. Iphothifoliyo yethu ezenzakalelayo iyazivumelanisa ngokuzenzakalelayo ngokuhamba kwesikhathi ukuze ikhule lapho usemusha futhi inciphise ubungozi njengoba ukhula, inikeza indlela yokutshala imali ehleliwe bese uyikhohlwa.


Izici:


– Ama-Rollovers Alula: Silungisa ama-rollovers akho angu-401(k) kanye ne-IRA ngokuzenzakalelayo kwedijithali.


– Khulisa Futhi Uqhubeke Ugcina: Nikela noma nini futhi ugcine ikusasa lakho lisendleleni.


– Ukufinyelela i-Akhawunti amahora angu-24 ngosuku: Hlola ibhalansi yakho futhi uqaphe ukusebenza kwephothifoliyo yakho noma nini, noma kuphi.


– Izibuyekezo Zesikhathi Sangempela: Sizokugcina unolwazi ngazo zonke izinyathelo zendlela. Kusukela ekusethweni kokuqala kuya ekuqedeni ukudluliswa kwemali.


– Sivikela i-Akhawunti Yakho: Idatha yakho ibethelwe, igcinwa iyimfihlo, futhi iqinisekiswe ngokuphephile.


Ukuqala Kulula


– Bhalisa ku-inthanethi ngemizuzu ngokunikeza ulwazi oluyisisekelo mayelana nama-akhawunti akho omhlalaphansi amadala.


– I-PensionBee’s Beekeepers ikusiza ukuthi uxhumane nabahlinzeki bakho futhi udlulisele imali yakho kwi-IRA yakho entsha.

– Uhlelo lwethu lokusebenza lukuvumela ukuthi ushintshe amaphothifoliyo okutshala imali ukuze ahambisane nemigomo yakho ngokuchofoza okumbalwa nje, noma nini.

Themba i-PensionBee Yomhlalaphansi Wakho

Ngokusethwa kwethu okulula, amanani asobala, kanye nokusekelwa okwenziwe ngokwezifiso, i-PensionBee isiza ukwenza umhlalaphansi ube lula. Konke ukutshala imali kuhilela ingozi, okuhlanganisa nokulahlekelwa yimali okungenzeka uyitshale, futhi ukusebenza kwangaphambilini akuqinisekisi ukusebenza kwesikhathi esizayo.

I-PensionBee inguMeluleki Wokutshalwa Kwezimali Obhalisiwe kwi-US Securities and Exchange Commission. Ukubhalisa akusho izinga elithile lekhono noma ukuqeqeshwa. Akukho lutho kulokhu kuxhumana okufanele luthathwe njengeseluleko sokutshalwa kwezimali.