Uninzi olunjani lokufakwa kwi-IRA e-SIMPLE ngo-2013? Nantsi Oku Kufuneka Ukwazi.
Omnye wabo ngu-SIMPLE IRA.
I-SIMPLE imele ukukhuthazwa kokulondolozwa kwabasebenzi. Ingaba ucinga ukuba kulula ukuxhomekeka kwinto ofunayo kwisicwangciso somhlalaphantsi . Funda kabanzi malunga nee-IRAs ze-SIMPLE, ukuba wazi ukuba zikulungele yini.
Isaziso esibalulekileyo: Imilinganiselo yenkxaso yonyaka ishintshile ukususela ngo-2013. Ukuba ufuna i-SIMPLE IRA ingcaciso yenkcazo yenkxaso yonyaka werhafu yakutshanje unokuzijonga ezi zilandelayo zikhonkco apha ngezantsi:
2015 ISIMPLE IRA Imirhumo Yegalelo
2013 IMIGAQO YENKQUBO YENKQUBO YENKQUBO YESEBE
Abantu ngabanye abane-SIMPLE IRA banokufaka i-$ 12,000 ngo-2013. Ngokwezicwangciso zakho, ke, loo mida ingancipha. Kukho negalelo elongezelelweyo lokubambisa elinikezelwa kubantu abaneminyaka engama-50 okanye ngaphezulu. Umda wenkxaso yokubambisa ngo-2013 uyi-$ 2,500. Xhumana nomqeshi wakho ukuqinisekisa ukuba uncedo lokubambisa lunokwenzeka.
Unokuba negalelo kwezinye izicwangciso zomhlala-phantsi kunyaka onjalo ufaka isandla kwi-IRA SIMLELE, kodwa ujongene nomda omkhulu odibeneyo kuwo onke amacebo ayi-$ 17,500. Ngokuqinisekileyo, i-$ 17,500 yeyona mali igalelo elingama-401 (k) izicwangciso ngo-2013, kunye negalelo elongezelelweyo lokufumana i-$ 5,500.
Unokude ufike kwixesha lokugqibela lokufaka irhafu ukuxhaswa i-SIMPLE IRA yakho yonyaka werhafu wangaphambili.
Ukuba ufaka irhafu yakho ngo-2016, jonga umda we- 2015 .
UHLANGANISA KANYE NOKUBHELELA KUNYE NAKWANYE IZICWADI
I- IRA SIMPLE inendlela ezininzi ezifana ne-401 (k) icebo okanye icebo elifanayo lomhlalaphantsi. Imali oyigalelo iya kwi-pre-tax-okanye, ukuba ungumnini-shishini , unokubamba igalelo evela kwingeniso yakho engenayo xa ufaka irhafu. Iminikelo ingatyalomali kwiimali ezidibeneyo, iimpahla kunye / okanye iibhondi, kuxhomekeke kwiminikelo yakho kwisicwangciso sakho. Ukhetha apho ufuna imali ihambe khona. Utyalo-mali luqokelela kwi- tax-backerred basis, oku kuthetha ukuba akukho zerhafu ezithatyathwayo kude udibanise imali. Ukuba uhoxisa imali emva kweminyaka yobudala engama-59 / 1/2, uhlawula irhafu yengeniso kwiirhafu zakho. Ukuba uhoxisa imali ngaphambi kokuhlala umhlalaphantsi, uza kuhlawulela nayiphi irhafu kunye nentlawulo yehlawulo ye-10%.
IRA I-SIMPLE isebenza ngendlela eyahlukileyo ngeendlela ezimbalwa. Okokuqala, kunokwakhiwa komqeshi okufanayo . Kwiminyaka engama-401 (k) kule mihla, umdlalo womqeshi ungummiselo omkhulu. Ukuba unayo i-SIMPLE IRA, iminikelo yakho kufuneka ifaniswe ngumqeshi ukuya kwi-3% yomvuzo. Nangona ungenzi umrhumo, umqeshi wakho angenza igalelo elincinci egameni lakho eli-2% lomvuzo.
Omnye umehluko omkhulu kukuba indlela i- SIMPLE IRA i-rollovers isebenza.
I-rollover xa uhambisa imali kwicebo elilodwa lokuthatha umhlala-phantsi eliya ku- Rollover IRA ngaphandle kwesigwebo emva kokuba ushiye umsebenzi. Unokwenza oko ukuba uthathe inxaxheba kwi-SIMPLE IRA yakho engaphantsi kweminyaka emibini. Ukuba ushiya umsebenzi wakho ngaphambi kokuba utyalomali kwi-SIMPLE IRA iminyaka engaphezu kweminyaka emibili, kufuneka uyiqhube kwenye i-SIMPLE IRA, okanye uyishiye apho ikhona.
Uninzi lwee-quirks ze-SIMPLE IRA zingabonakala ngathi ziyimingcipheko kumnini-shishini lomncinci okhangela isicwangciso sokuthatha umhlala-phantsi esifanelekileyo yena okanye abasebenzi. Ukuba ufuna ukufana neminikelo, ngokuqinisekileyo isicwangciso sokuqwalasela.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.