Ngangakanani Unako ukufaka i-IRA yakho ngo-2015?
Umrhumo wee-IRAs ngo-2015
Igalelo elikhulu ngo-2015 li-$ 5,500, alitshintshi ngo-2014. Kuyafana negalelo lokubamba i-$ 1,000 kubantu abaneminyaka engama-50 okanye ngaphezulu. Oko kuthetha ukuba ubuninzi bebonke bonyaka i $ 6,500.
I-IRA Imingcele ye-IRA 2015
Ngokuqinisekileyo, uhlobo olungcono kakhulu lwe-IRA iminikelo yerhafu ye-IRA. Ingaba unelungelo lokunciphisa irhafu okanye ukuzaliswa kwentlawulo yerhafu malunga negalelo lakho lixhomekeke kwizinto ezimbalwa, kubandakanywa ingeniso yakho kunye nokuba uthatha inxaxheba kwesinye isicwangciso esithandwa yerhafu. Imilinganiselo yemali ishintshana ngaphezu kwexesha.
Isixa sokubanjiswa ngo-2015 siqala ukuphuma kwisithuba se-singles okanye iintloko zezindlu kunye neengeniso ezihlawulelwayo (AGI) eziphakathi kwe-$ 61,000 kunye ne-71,000 zamaRandi, ukusuka kuma-60 000 ukuya kwii-70,000 zamawaka ngo-2014. Oko kuthetha ukuba ufumana imali engaphantsi kwee-61,000 zamawaka kwaye ungenayo i-401 (k) okanye isicwangciso esifanayo ngomsebenzi, uya kulungele ukuxothwa ngokupheleleyo.
Ukuba i-AGI yakho inkulu kune-61,000 i-R6 000 kodwa ingaphantsi kwee-71,000 zamaRandi, unokufumana ilungelo lokuncitshiswa. Abantu abanemali engaphezulu kwama-71,000 amawaka abayi kuzuza.
Ngonyaka ka-2015, umda wesibini esitshatileyo sanda. Ukuba utshatile uze udibanise idibeneyo, kwaye unama-401 (k) okanye isicwangciso esichaphazelekayo emsebenzini, iinqununu ziqala ukuphuma kwi $ 98,000 kwaye zifakwe kwi $ 118,000.
Ukuba awufihliwe kwindawo yomsebenzi 401 (k) kodwa iqabane lakho, unokufumana ilungelo lokuncitshiswa ukuba i-AGI yakho ehlangeneyo ingaphantsi kwamaRandi ayi-183,000. Ukuncitshiswa kweemali kubalwa phakathi kwe-183,000 kunye ne-193,000 kwi-2015.
Ukuba utshatile ukufakela ngokwahlukileyo, kwaye unesicwangciso sokuthatha umhlalaphantsi emsebenzini, izihlomelo zakho ziphuma phakathi kwe-$ 0 ne-$ 10,000.
2015 I-Roth IRA Imirhumo
Ngaba awufaneleki ukuxothwa kwentela ye-IRA? Zama iRoth IRA endaweni yoko. Imilinganiselo ye-Roth IRA yahlala yinto efanayo ngo-2015. Unako ukufaka isandla kwi $ 5,500 kwiRoth ukuba uneminyaka engama-50 ubudala, okanye i-$ 6,500 xa ukhulile. Kodwa amaRoth ahluke kwii-IRAs zemveli. Imirhumo yeRoth IRA ayinako ukuhlawulwa kwentlawulo, zenziwa emva kwentela. Xa sele bekhona, ke, imali ayibhalwanga kwakhona. Eqinisile, ahlawulwanga. Kwanokuba uyayikhupha ngexesha lomhlalaphantsi. Nangona kukho ezinye izithintelo, ukunikezelwa kweeRoth IRAs akukho-ntlawulo. Kulungile, imirhumo oyenzayo kwiRoth IRA (nangona kungenjalo imali engenayo imali) ingathathwa ngaphandle kwentlawulo ngaphambi kokuthatha umhlalaphantsi.
Ukuze ufanelekele iRoth IRA, kukho imingeniso yemali. Awukwazi ukufaka isandla ngo-2015 ukuba wenza i-AGI engaphezu kwe-131 000 $ njengomntu ongatshatanga okanye i-193,000 yezigidi njengesiqabane esitshatileyo esibhala ngokubambisana.
Iimilinganiselo ze-IRA zokuNika iimfuno ezizimeleyo 2015
Iindaba ezilungileyo zabasindisi bokuthatha umhlala-phantsi abanokwamashishini abo kukuba i-IRA imingcele yenyuka ikhule ngo-2015. Umda we- SIMPLE IRAs i-$ 12,500 ngo-2015, ukusuka kwi $ 12,000 ngo-2014. Iminikelo yokubamba i-SIMPLE IRA iyakhula ibe ngama-3,000 ukusuka ku-$ 2,500) ngo-2015.
Ukuba unayo i- SEP ye-SERA , unokuba negalelo ukuya kwii-53,000 zamawaka, okanye u-25% ukuya kuma-265,000 kwi-income engenayo ngo-2015.
Abanikazi bezoshishino banakho nokuba nabo ngabanye 401 (k) okanye iSolo 401 (k) . Ngo-2015, umda kwi-401 (k) s ube yi-$ 18,000. I-401 (k) umda wempembelelo wokubambisa iphezulu kwakhona. Ngo-2015, abancedisayo abaneminyaka engama-50 okanye ngaphezulu bangongeza i-$ 6,000 kumntu ngamnye (k), ukuze kube negalelo elingaphezulu kwe-$ 24,000. (Oko akubandakanyi umxhelo "umqeshi" onokufanelana nawe onokuzenzela wona.
Khumbula, i-IRA ingaba yithuluzi elikhulu lokucwangcisa irhafu, nangona kwimizuzu yokugqibela. Iminikelo ka-2015 ingenziwa naliphi na ixesha ngaphambi kokuba uyifake irhafu yakho yonyaka. Oku kuthetha ukuba ude u-Apreli 15, 2016, ukuba wenze igalelo kwaye uthathe nayiphi na inqununu yentlawulo. Ukuba unayo i-IRA oziqeshwe yedwa kwaye ufake isandiso, unokwenza umnikelo wonyaka ongaphambi komhla we-Oktobha 15, 2016.
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.