Funda ukuba Unokubanceda njani kwi-IRA ngo-2016
Kubalulekile ukuba uqaphele ukuba i-IRA ayilona utyalo-mali oluthile, kodwa uhlobo lwe-akhawunti enokuxhaswa ngemali ngamasheya, iimali ezihlangeneyo, ii-ETF, ii-CD, okanye ezinye iimali-mali ezifanelekileyo.
Umrhumo we-IRAs ngo-2016
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 th , ngo-2017.
Ngaphambi kokuba uphumelele ukuvula i-IRA, ke, sigqibo sokuba yeyiphi (oqhelekileyo okanye uRoth) onelungelo kuwe.
Imveli ye-IRA:
- Ivumela iiminikelo ukuya kwi-70 / 1/2 ubudala xa ufumene imali
- Ukubonelela ngokubanjiswa kwentlawulo yabathathi-nxaxheba abafanelekileyo (i-IRS inika inkxaso imali yakho!)
- Ivumela imali yokufumana imali yokunyusa imali ukukhulisa irhafu-echaziweyo (izabelo ziya kuhlawuliswa kwizinga lakho lentlawulo yengeniso ngokukhawuleza ngexesha lokuhoxiswa)
- Kudinga ukusabalalisa ukuqala ngo-70 / 1/2 ubudala
Imida ye-IRA e-Deductible ka-2016
Ukukwazi ukufumana ilungelo lokuncitshiswa kwentlawulo ye-IRA kuxhomekeke kwimibandela emibini, kubandakanywa ingeniso yakho kunye nokuba uthatha inxaxheba kwisicwangciso somhlala-phantsi ohlawulelwayo. Imilinganiselo yemali ishintshana ngaphezu kwexesha.
Inani lemali echithwayo ngo-2016 liya kuqhubeka nokuqhawula iinqununu okanye iintloko zezindlu kunye neengeniso ezihlaziyiweyo (AGI) eziphakathi kwee-61,000 zamawaka kunye ne-71,000 zamawaka, ezingaguqukanga ukususela ngo-2015.
Oko kuthetha ukuba ufumana imali engaphantsi kwama-61,000 eyi-$ kwaye ifunyanwe nesicwangciso somhlala-phantsi emsebenzini okanye awunayo i-401 (k) okanye isicwangciso esifanayo ngomsebenzi, uya kulungele ukuxothwa ngokupheleleyo.
Ukuba isimo sakho sokufakela irhafu singatshatanga okanye intloko yendlu kwaye i-AGI yakho ingaphezu kwee-61,000 zamaRandi kodwa ingaphantsi kwama $ 71,000, unokufumana ilungelo lokuncitshiswa. Abantu abanomvuzo ophezulu kunama-71,000 amawaka abayi kukwazi ukufumana igalelo le-IRA.
Izibini ezitshatileyo zifaka ingxelo yentela edibeneyo kunye neqabane elenza igalelo le-IRA ligqitywe ngu-401 (k) okanye isicwangciso esichaphazelekayo emsebenzini, iinqununu ziqala ukuphuma kwi-$ 98,000 kwaye zifakwe kwii-118,000 zamaRandi.
Ukuba awufihliwe kwindawo yomsebenzi 401 (k) kodwa iqabane lakho, unokufumana ilungelo lokuncitshiswa ukuba i-AGI yakho ehlangeneyo ingaphantsi kwamaRandi ayi-183,000. Ukuncitshiswa kweemali eziphakathi kwe-184,000 kunye ne-194,000 kwi-2016, ukusuka kwi-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.
I-Roth IRA:
- Imvume yeminikelo njengoko nje ufumene imali
- Ivumela iingeniso zokutshala imali ukukhulisa irhafu-ntlawulo xa kuthatyathwa njenge-distribution efanelekileyo (akukho kuhlulwa kweerhafu okwangoku kwiminikelo, kodwa ukunikezelwa komhlala phantsi akuhlawulwanga)
- Akufuneki ukuba ukusabalalisa kuqalwe ngaluphi na uhlobo oluthile (ngokwenene, iRoth IRA ingadluliselwa ngaphandle kokufunyanwa kwiindlalifa zakho)
2016 I-Roth IRA Imida
Nangona zombini ii-IRA zinikezela ngeenzuzo zerhafu, ukungafani phakathi kwababini akukwazi ukugxininiswa ngokwaneleyo. Imveli ye-IRA ivumela iminikelo yentlawulo ye-tax-deductible kunye nokurhoxiswa kweerhafu ngelixa uRoth inikezela ukurhoxiswa kweemali zentlawulo (ngaphandle kokubanjiswa kwangoku). Ukuba awufanelekanga kwi-IRA echithwayo okanye ucinge ukuba ungabakhonkqo ophezulu kwi-retrait, cinga iRoth IRA endaweni yoko.
Imida yeRoth IRA iyaqhubeka ifanayo ngo-2016. Unako ukufaka isandla kwi $ 5,500 kwiRoth uma uneminyaka engama-50 ubudala, okanye i-$ 6,500 xa ukhulile. Gcina ukhumbule ukuba iminikelo yeRoth IRA ayinakucatshulwa irhafu, zenziwa ngeedola zerhafu.
Nangona kunjalo, imali ayihlawulwanga kwakhona. Into ekhangayo kakhulu yeRoth IRA kukuba olu hlobo lweakhawunti yomhlala-phantsi linikezela ukurhoxiswa kweerhafu kwiimali ezingama-59 ½ kwixesha elide ukuba i-akhawunti ivule ubuncinane iminyaka emi-5. Into edibeneyo yokuguquguquka ikhona ngenxa yokuba iminikelo oyenzayo kwiRoth IRA (nangona kungenjalo imali engenayo imali) ingathathwa yerhafu kunye nenkokhelo ngaphambi kokuthatha umhlalaphantsi.
Ukuze ufanelekele iRoth IRA, kukho imingeniso yemali. Ngomntu ongatshatanga kunye nentloko yokufakela irhafu yendlu, i-income-out-out range ngo-2016 i-$ 117,000 ukuya kwii-132,000 zamawaka, ukusuka kuma-116,000 ukuya kwii-131 000 zama-$ 000 ngonyaka ka-2015. I-AGI isigaba sokuphuma kwintlawulo yabarhafi abenza igalelo kwiRoth IRA i-$ 184,000 ukuya kwii-194,000 zama-$. Izibini ezitshatileyo zifakela ngokubambisana, zivela kwi-183,000 ukuya kwii-193,000 zama-$ ngo-2015. Ngoko-ke, ngo-2016 awukwazi ukufaka isandla kwiRoth IRA ukuba unayo i-AGI engaphezu kwe-132,000 ehlawulweyo njengomntu ongatshatanga okanye ngaphezulu kwama-194,000 njengesiqabane esitshatileyo esibhala ngokubambisana.
Iimpawulo ze-IRA ezizimeleyo ezizimeleyo 2016
Abagcini bemhlala-phantsi abanomsebenzi wabo okanye abaqeshwe ngabanye baya kuqaphela imida ye-IRA ayiguqukanga ngo-2016. Umda we- SIMPLE IRAs i $ 12,500 ngo-2016, ofana nayo ngo-2015. Iminikelo yokubamba i-IRAs ye-SIMP ihlala kuma-3,000 ayi-2016.
Ukuba uthatha inxaxheba kwi- IRA ye-SEP , unako ukufaka isandla kwi $ 53,000, okanye u-25% ukuya kuma-265,000 kwi-income engenayo ngo-2016. Abanikazi boshishino abazimeleyo banakho ukuba babe ngabanye 401 (k) okanye iSolo 401 (k) . Ngo-2016, 401 (k) imingcele eyi-$ 18,000. Ngo-2016, abancedisayo abaneminyaka engama-50 okanye ngaphezulu bangongeza ii-6,000 zamawaka kumntu ngamnye (k), ukuze kube negalelo elingaphezulu kwe-$ 24,000. Hlalani nikhumbule lo mda awubandakanyi nayiphi na into engabonakalisa "umqeshi" enokuthi uzenzele yona.
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.
Fumana iipolumu zenkxaso kwiminyaka edlulileyo: