U-2010 IRA Impesenti yemingcele yayingaguqukanga.
Imilinganiselo yegalelo ye-IRA iye yanda ngokunyuka ukususela ekuqaleni kwayo ngo-1974 (iRoth IRAs yaqala ukuqaliswa ngo-1997). Umrhumo wegalelo lomhlala-phantsi we-2010 uhlangene nokuhlaziywa okumbalwa ukususela kunyaka werhafu ka-2009.
Nantsi imida yeRoth IRA ka-2010 rhoqo, kunye nemimiselo engeniswayo yembuyekezo yegalelo yeRoth IRA .
[ Qaphela : Qinisekisa ukuhlolisisa ukuhlaziywa kwalo nyaka ngokuphonononga imida ye-IRA ye-2016 apha .]
2010 IRA Imirhumo
Umrhumo we-IRA ka-2010 awutshintshi. Ukususela ngo-2008, umda onokufaka isandla kwi-IRA rhoqo i-$ 5,000. Nangona kunjalo, ukuba uya kuba ngu-50 okanye ngaphezulu kwaphela ekupheleni konyaka, unako ukufaka i-$ 1,000 eyongezelelweyo, 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).
U-2010 I-IRA Contribution Liming
Nangona akukho mqathango omkhulu wokungeniswa kwemali yokufaka igalelo kwi- IRA rhoqo , kunemiqathango yokunciphisa umrhumo we-IRA rhoqo.
Inqaku elongezelelweyo: Kukho utshintsho oluncinane kwigalelo le-IRA ukususela ngo-2009.
Ngo-2013, umyinge ophezulu we-IRA ukhuliswe kwi-$ 5,500. Umda wegalelo we-IRA uhlala kwii-5 500 zama-$ ngo-2016. Into enye eyatshintshile ukususela ngo-2009 yimiqathango yengeniso eyimpembelelo yokuthatha imali yokuncitshiswa kweerhafu kwimveli yenkxaso ye-IRA okanye ukukwazi ukunikela ngqo kwiRoth IRA.
2010 Roth IRA Imali Imingcele
Kukho umda ophezulu wokufumana umvuzo weRoth IRA. Ngomnyaka we-2010, abantu abatshatileyo abafakela ngokubambisana banokufaka i-$ 5,000 (i-6,000 zamaRandi ukuba i-50 okanye ngaphezulu) kwiRoth IRA kuphela xa i-RIP i-modified income income (MAGI) ingaphantsi kwe-$ 167,000. Ukuba i-MAGI yabo iphakathi kwe-$ 167,000 kunye ne-177,000 yee-dollar, ngoko banokufaka isandla esingaphantsi komyinge wabo opheleleyo. Ukuba ingeniso yabo ingaphezu kwe-177,000 yeeR7,000, abafanelanga ukufaka isandla kwiRoth IRA ngo-2010. La manani ayenyuka ngama-$ 1,000 ukusuka ngo-2009. Ngo-2008, olu luhlu lokuphuma ngaphandle lwaluyi-$ 159,000 ukuya kwii-169,000 zamawaka.
Kubantu abangatshatanga, umlinganiselo we-Roth IRA wesigaba esiphantsi: $ 105,000 ukuya kwii-120,000 zama-2010 ngonyaka we-2010. Nangona inani lakwa-2009 lilingana no-2010, imingcele yemali yomntu omnye yayingama-$ 101,000 kunye ne-116,000 ngonyaka ngo-2008.
Ulwazi oluhlaziyiweyo: Imilinganiselo yengeniso ye-Roth IRA igalelo iye yahlengahlengiswa ukunyuka kwamaxabiso. Ngomntu omnye okanye omnye onentloko ye-taxing status status, uhla lwangeniso lwangeniso ngo-2016 luyi $ 117,000 ukuya kwii-132,000 zamawaka. Uluhlu lwesigaba se-AGI kubahlawuli berhafu abenza igalelo kwiRoth IRA li-$ 184,000 ukuya kwii-194,000 zee-194,000 kwiibini ezitshatileyo ezifakela ngokubambisana.
I-Roth Conversion Liming Limitations 2010
Ngethuba lika-2010, ithuba lokuguqula i-IRA rhoqo kwi-Roth IRA iyafumaneka kubo bonke abahlawuli berhafu ngaphandle kwenzuzo.
Ngaphambili, ukuguqulwa kwafunyanwa kuphela kulabo babenenzuzo engaguqukanga ehlawulwayo eyi-100,000 okanye ngaphantsi.
Ukuze ufunde kabanzi malunga nokuguqulwa kweRoth IRA, khangela le mibuzo ebalulekileyo ukuyibuza ngaphambi kokugqiba ukuguqulwa kweRoth IRA .
Imida yeeNkxaso ziye zatshintsha ukususela ngo-2010
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:
2011 IRA Imingcele
Ukuhlaziywa nguScott Spann