Amanqanaba amakhulu ka-2014 Keoghs, aka-HR 10 okanye amaCandelo afanelekileyo
Ukuba ishishini lakho lihlelwe njengelinye lala ngasentla, fundela okubanzi malunga nezicwangciso ezifanelekileyo kunye nomda wabo omkhulu wenkxaso ngo-2014.
IsiCwangciso esifanelekileyo (i-Keogh) Imida e-2014
I-Keogh ifana ne- 401 (k) isicwangciso somhlala-phantsi , kodwa ivela kwiintlobo ezimbini. Isicwangciso esicacisiweyo senzuzo sifana nomhlala-phantsi wendabuko, ongayifumana imali engama-205,000 kwi-2013 kunye ne-$ 210,000 ngo-2014, ukuya kwi-100% yembuyekezo. Yenza ukhetho olumnandi kubantu abaqeshwe ngokukhululekileyo abafuna ukunikela ngeedola ezingaphezulu ngaphambi kokuthatha umhlalaphantsi. Isicwangciso sogalelo esichaziweyo sikwenza ukuba uchaze inani oza kubeka kulo nyaka ngamnye. Unokufumana iKeogh Uchaza icandelo eliza kwenziwa ngonyaka. Unokwenza oku ngeendlela ezimbini: ukwabelana ngenzuzo okanye ukuthenga imali. Ngokwabelana ngenzuzo, unako ukufaka isandla kwisilinganiso semali engama-50,000 ngonyaka ka-2012, kwaye unako ukufikelela kwi-25% yengeniso. Oko ukhetha ukufaka isandla kwisicwangciso sokwabelana ngenzuzo kunokutshintsha unyaka ngamnye.
Ngecebo lokuthengwa kwemali, uqikelele ekuqaleni kwepesenti yeenzuzo eziza kufakwa eKeogh. Kodwa loo mnikelo iyadingeka ukuba kukho inzuzo, kwaye ayikwazi ukutshintshwa. Ukuba igalelo ayenziwanga, uya kujongana nesohlwayo.
Iminikelo eyenziwe kwisicwangciso ngasinye senziwe kwisibonelelo sangaphambili sentela, esithetha ukuba ithathwa kwimivuzo yakho yerhafu, okanye ungathatha ukuncitshiswa kwangaphambili kwimbuyekezo yakho yerhafu yonyaka.
Ukutshala imali kwi-Keogh
Njengemveli yendabuko 401 (k), imali eyanikezelwa kwi-Keogh inokutshalwa kwerhafu-mali ihlawulwe kuze kube yilapho umhlalaphansi eqala kwiminyaka engama-59 / 1/2 kwaye ingadlulanga iminyaka engama-70. Ukuhoxiswa okwenziwe ngaphambi kwelo xesha kuya kuhlawulwa irhafu kunye nokuba Inqanaba lemali yengeniso yendawo kunye neendawo, kunye kunye, kunye nezinye izinto, mhlawumbi uya kutshitshiswa ngemali yehlawulo ye-10%.
Utyalo imali yakho yesicwangciso esilungeleleneyo kwi-intlobo yezolimo. Unokukhetha kwi-stocks, izibhonkco, iimali eziphathekayo kunye nezinye iindidi zotyalo-mali.
Ngokungafani nezinye iindidi zecandelo lomhlala-phantsi lomhlalaphantsi, i-Keoghs kufuneka isungulwe ngaphambi kokuphela konyaka ukufumana ukuncitshiswa kwerhafu yengeniso yonyaka. Kodwa ukuba unomnye umiselwe, unokwenza umrhumo wonyaka owandulelayo kude kube yilapho ufaka irhafu yakho.
Ngaba i-HR 10s okanye i-Keogh Plans efanelekileyo kwiShishini lakho?
Ukuba ucinga nge-HR 10, kufuneka ukwazi ukuba bafuna i-intanethi yeemviwo zonyaka. Ifom ye-IRS 5500 kufuneka ifakwe unyaka ngamnye, kwaye ininzi lethu, eliya kufuna uncedo lwe-akhawunti yomntu weerhafu okanye uchwepheshe wezezimali. Enyanisweni, ukuba uqwalasela iKeogh kufuneka mhlawumbi uxoxe ngeendlela ozikhethayo kunye nomcebisi wezezimali okanye umcebisi weerhafu. Andikwazi ukuqala ukugubungela ubunzima bezi cwangciso zakho nakwi shishini lakho.
(Nokuba isayithi ye-IRS ibonakala ingenakho ulwazi.) Ukuba ungumntu oyedwa, i- SEP IRA ineemida ezifanayo kwaye kulula kakhulu ukuseka nokugcina.
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.