Indlela i-IRA Imingcele yeeNkcazo ikunika ithuba elingcono lokulondoloza
Imilinganiselo ye-IRA ishintshile kuyo yonke iminyaka ukususela ekuqaleni kwayo ngo-1974 (iRoth IRAs yaqala ukuqaliswa ngo-1997).
Imilinganiselo yempesheni yokuthatha umhlala-phantsi ka-2009 yathola utshintsho oluthile ukusuka kunyaka werhafu ka-2008. Nantsi i-Roth IRA imimiselo yenkxaso ye-2009, kunye nemingcele ehlaziyiweyo yokufumana imali yeRoth IRA .
[Unokujonga i- 2016 imida yegalelo ye-IRA apha .]
2009 IRA Imingcele
Imilinganiselo ye-IRA ye-2009 ayitshintshiyo kunyaka odlulileyo. Ngo-2008 kunye no-2009, umda onokuwenza ube yi-$ 5,000. Nangona kunjalo, ukuba uneminyaka engama-50 okanye ngaphezulu ekupheleni konyaka, unokuba negalelo lemali eyongezelelweyo eyi-$ 1,000, ukuze ube ngumyinge we-6,000 wemali . Le mida iyasebenza kwiiRoth IRAs eziqhelekileyo. Nangona ufanelekile ukufaka isandla kuzo zombini izicwangciso, igalelo lakho elidibeneyo kwiingxelo zombini azikwazi ukudlulela umda wakho ongentla ngaphezulu ($ 5,000 okanye $ 6,000).
Into encinci ishintshile ukususela ngo-2009 ngokumalunga nemida yokuxhasa i-Akhawunti ye-Retirement Individual (IRA). Ngo-2013, umyinge ophezulu we-IRA ukhuliswe kwi-$ 5,500.
Kusengama-$ 5,500 ngo-2016. Into enye eyatshintshile ukususela ngo-2009 yimiqathango yengeniso eyimpembelelo yokunciphisa irhafu ye-IRAs yendabuko okanye amandla okufaka isandla kwiRoth IRA.
2009 Roth IRA Imali Imingcele
Ngelixa unako ukufumana ingeniso elingenamkhawulo kwaye usenokufanelekela ukufaka isandla kwi- IRA rhoqo , akukho fanayo neRoth IRA.
Ngonyaka ka-2009, abantu abatshatileyo abafake ngokubambisana banokwenza igalelo lama-5,000 (i-6,000 zamaRandi ukuba i-50 okanye ngaphezulu) kwi-Roth IRA ukuba i-RII idibeneyo yokuguqulwa ehlangeneyo (MAGI) ingaphantsi kwe-$ 166,000. Ukuba i-MAGI yabo yayingaphakathi kwe-$ 166,000 kunye ne-176,000 yee-R6,000, ngoko banokunikela isamba esingaphantsi komlinganiselo wabo opheleleyo. Ukuba ingeniso yabo idlula i-176,000 yeeRandi, zazingenakufanelekela ukufaka isandla kwiRoth IRA ngo-2009. Ngo-2008, lolu hlobo lwahlulo lwama-159,000 ukuya kwii-169,000 zamaRandi.
Kubantu abangatshatanga, umda we-Roth IRA wesigaba-mali wawungumlinganiselo ophantsi: $ 105,000 ukuya kwii-120,000 zama-$ 000 ngonyaka ka-2009. Ngo-2008, umqobo womntu oyedwa wawungumda we-$ 101,000 kunye ne-116,000.
Ngo-2016 le mida yayiye yahlengahlengiswa ukunyuka kwamaxabiso. Ngomntu ongatshatanga okanye omnye onenhloko yentela yokufakela irhafu yendlu, inqanaba lokungeniswa kwemali ngo-2016 li-$ 117,000 ukuya kwi-132,000. Uluhlu lwesigaba se-AGI kubahlawuli berhafu abenza igalelo kwiRoth IRA li-$ 184,000 ukuya kwii-194,000 zee-194,000 kwiibini ezitshatileyo ezifakela ngokubambisana.
2009 Roth Conversion Imali Imingcele
Ngokuguqulwa kwe-IRA, abatyali-mali bayakwazi ukuhambisa imali ngaphandle kwe-IRA yendabuko, ukuhlawula irhafu kwiimali eziqhelekileyo zedolophu kunye namazinga omhlaba, kwaye uyishenxise eRoth apho iya kukhula khona inkokhelo.
Ngethuba lika-2008 kunye no-2009, ithuba lokuguqula i-IRA rhoqo kwi-Roth IRA yayifumaneka kuphela kulabo babekho imali ehlawulisiweyo yokulungiswa kwemali eyi-100,000 okanye ngaphantsi. Nangona kunjalo, le miqobo ingenakupheliswa ngo-2010.
Ukuze ufunde kabanzi malunga nokuguqulwa kweRoth IRA, khangela le mibuzo ekufuneka uyibuze ngaphambi kokugqiba ukuguqulwa kweRoth IRA .
Imida yeeNkxaso ziye zatshintsha ukususela ngo-2009
Umnikelo ophezulu wonyaka we-2016 ungaphantsi kwe-$ 5,500 okanye i-100% yemali engenayo. Abathengi abaneminyaka yobudala engama-50 nangaphezulu banokunikela elinye i-$ 1,000 ngemali epheleleyo ye-$ 6,500. Unokwenza igalelo le-IRA le-2016 ngasekupheleni kuka-Apreli 15, 2017.
Ukuze ufunde kabanzi malunga nemida yegalelo ye-IRA yonyaka werhafu, khangela ezi zilandelayo:
Ukuhlaziywa nguScott Spann