Ungayifaka bunjani ukuba ufake i-SEP IRA ngo-2015?
Ukuba unayo i-akhawunti yomhlala phantsi e-Simplified Employee Pension, sele uyayazi izibonelelo zokulondoloza umhlalaphantsi wakho. Iminikelo kwi-SEP IRA ingathathwa ngokuthe ngqo kwiholo lakho lentlawulo ehlawulwayo , ekunciphiseni umrhumo wakho werhafu yengeniso ngelixa uhlawula ixesha lokuhlala umhlala-phantsi.
Isixa ongayifaka kwi-SEP IRA ngamnye ngonyaka sininzi, okwenza ezi zicwangciso zibe yindlela enhle kubanini-bhishini abanomvuzo okhangela kakhulu ekukhuliseni imali yabo yokulondoloza irhafu.
Ukuba ufuna enye imingcele yonyaka werhafu, bafumane ngokukhawuleza:
I-SEP IRA Imirhumo-mali 2016
I-SEP IRA Imirhumo yoNyaka 2014
I-SEP IRA Imirhumo yemigangatho 2013
Imida ye-SEP ye-IRA ka-2012
2015 I-IRA IRA Igalelo
Umda wegalelo we-SEP IRA ngamnye unyaka ukuya kwi-25% yengeniso yakho yonke okanye u-20% weengeniso ezichitshiweyo , ukuya kuma-265,000 engama-265,000 kwimali engenayo ngo-2015 (ukusuka kuma-260,000 ngo-2014). Oko kuthetha ukuba umda usuka kwi-$ 52,000 ngo-2014 ukuya kuma-53,000 wamawaka ngo-2015.
Ukuba uneminyaka yobudala engama-50 okanye ngaphezulu, uza kukhangela kwenye indawo ngenjongo yokubambisa . I-SEP IRAs ayifani nekhetho lokubamba, kodwa imida iyaqhubeka. I-401 (k) umrhumo ophezulu ngo-2015 yi-$ 18,000 ene-$ 6,000 yamathuba okubamba inxaxheba kulawo ma-50 okanye ngaphezulu.
Leyo iyonke i-$ 24,000, xa kuthelekiswa ne-53,000 eyi-$ elinganayo ekhoyo ngo-2015 nge-SEP IRA.
Iisiseko zokugcina kwi-SEP
Ukuba ungenayo i-SEP ye-IRA okwangoku, kufuneka ufunde amacebo okugcina kwi-SEP IRA. Abantu ngabanye bangavula kwaye bamise i-SEP IRA ngokulula kwi-firmware njengeFidelity, Vanguard, okanye T.
Ixabiso lentengo, phakathi kwabanye. Usenokukwazi ukuvula enye kwibhanki yakho yasekuhlaleni. Ezi zicwangciso zisebenza kakhulu njengamanye amanyathelo okuthatha umhlalaphantsi . Iminikelo kwingxowa-mali ingatyalwa nayiphi na indlela oyikhethayo. Unemiba eyahlukeneyo yemali, uxanduva lwemali, iminikelo, iibhondi, i-real estate, kunye nezinye iintlobo zotyalo-mali zokukhetha. Utyalo-mali lukhula ukuhlawula irhafu kuze kube yilapho ihoxiswa ngomhlalaphantsi. Emva kokuba uthabathe imali , uya kuhlawulwa i-federal, urhulumente kunye nayiphi na irhafu yerhafu yengingqi kwimali, kwaye ukuba uthetha ukusasazwa kwi-akhawunti ngaphambi kokuhlala umhlala-phantsi we-59 1/2, uza kuhlawulwa umrhumo owongezelelweyo we-10% ukuhoxiswa kwangaphambili.
2015 Imirhumo kunye ne-SEP IRAs
Okubaluleke kakhulu, i-SEP IRA ngumncedisi weerhafu. Ukuba ukhangele ukunciphisa ibhajethi yakho yentela ye-intlawulo, unokuvula i-SEP ye-IRA ngomzuzu wokugqibela ukwenzela ukuthotywa kweeyure ezilishumi elinanye. Ngethuba nje uvula i-akhawunti uze ufake igalelo ngaphambi kokufakela irhafu ngo-Aprili 15, 2016 (okanye ngo-Oktobha 15, 2016 ukuba ufakela isandiso), ukutsalwa kwakho kubalwa malunga neerhafu zango-2015.
Ukuba ufuna ukukhupha igalelo lakho, kufuneka unqumle ingeniso yakho yokuhlaziywa kwenzalo. I-IRS isincoma ukuthatha ingeniso yakho yonke, ukukhupha iindleko zoshishino (okufuneka zibandakanye igalelo le-SEP ye-IRA), ize ikhuphe isahlulo somvuzo wakho wokuqeshwa.
2015 I-SEP IRA Iminikelo yabasebenzi
Ukuba ishishini lakho linabasebenzi, ii-SEP zifumana nzima ngakumbi. Abaqeshi kufuneka ukuba bafake ipesenti yomvuzo omnye kwi-SEP IRA kubo bonke abasebenzi. Oko kuthetha ukuba ufuna ukunikela ipesenti ye-10 yengeniso yakho ngo-2015, abasebenzi bakho kufuneka benze okufanayo. Ukuba le ngcamango yokwenza oku ayinakukubhena, qhathanisa i-SEP IRAs nakwezinye iintlobo zeeplani zecandelo lomhlala-phantsi lomhlalaphantsi kwaye ufumane isicwangciso esisebenzelayo.
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.