Funda ukuba Unokulondoloza bunjani kwi-SIMPLE IRA ngo-2016
Njengoko igama lichaza, i-SIMPLE IRAs inikezela abaqeshi abancinci ngendlela elula ukuba bancede nabasebenzi babo basindise ngaphezulu ngomhlalaphantsi.
Khangela ulwazi olungezantsi ukufumanisa ukuba unokubeka ngaphaya kwe-SIMPLE IRA kulo nyaka werhafu.
2016 IMITHETHO YONYAKA YEZINDLELA IRA
Ngo-2016, inani eliphezulu labasebenzi lingabamba iqhaza kwi-SIMPLE IRA yi-$ 12,500. Le mali ayitshintshwanga ukususela ngo-2015. Abaqeshwa abaneminyaka engama-50 okanye ngaphezulu bafanelekile ukuba babe negalelo le-3,000 ye- catch-up . Ngenxa yoko umda we-SIMPLE IRA we-2016 yi-$ 15,500 yabathathi-nxaxheba abaneminyaka engama-50 okanye ngaphezulu. Njengamaxesha onke, kufuneka uqhagamshelane nomqeshi wakho ukuqinisekisa ukuba awuvumelekanga yini ukwenza umrhumo we-SIMPLE IRA.
Ukuba uthabatha inxaxheba kwenye iiplani zomhlala phantsi ezixhaswe ngumqeshi ezifana ne-401 (k) kwisicwangciso sonyaka, isixa-mali esihlangeneyo somrhumo womqeshwa silinganiselwe kwizigidi ezingama-18 000 ngo-2016.
Ukuba ufuna ukufunda okungakumbi malunga nemida yenkxaso yonyaka werhafu odlulileyo unokwazi ukujonga ezi zilandelayo ziqhagamshelwano ngezansi:
2015 ISIMPLE IRA Imirhumo Yegalelo
2013 IMIGAQO YENKQUBO YENKQUBO YENKQUBO YESEBE
I-IRA EYIMSEBENZI isebenza njani?
IIRRALE IRAs zifana nezinye iintlobo zee-akhawunti zokulondoloza umhlala-phantsi ezihlelwe ngabasebenzi abaqeshwe ngabanye kunye namashishini amancinci . Iintlawulo zenziwe ngokusebenzisa i-dollar engaphambi kweerhafu ngokusebenzisa i-deferrals yomvuzo efanelekileyo.
IIRRALE IRAs zibandakanya umdlalo womqeshi odala izikhuthazo ezongezelelweyo zokuthatha inxaxheba kwabasebenzi kwisicwangciso sabo sokuthatha umhlalaphantsi emsebenzini.
I-IRA I-SIMP ihluke njani
IIRRALE IRAs zineenkcenkcesho eziphambili ezibahlukanisa ezinye iindidi zokuzikhethela kunye nezincinci zempesheni yomhlalaphantsi . Ukumisa i-SIMPLE IRA ichanekileyo kwaye ingaphantsi komthwalo kubaqeshi abangenayo ingxelo yezimali yonyaka. Abaqeshi ngokubhekiselele ekumiseni i-SIMPLE IRA kufuneka baqaphele imithetho emibini ebalulekileyo xa kusekwe lolu hlobo lwesicwangciso somhlalaphantsi.
- Ibhizinisi elincinci kufuneka libe nabasebenzi abayi-100 okanye abancinci (abafumana i-$ 5,000 okanye ngaphezulu kunyaka odlulileyo).
- I shishini elincinci alinakufumana esinye isicwangciso somhlala-phantsi esifanelekileyo, esinjenge-401 (k) isicwangciso.
Ukuxhamla Iminikelo
Abaqeshi banokukhetha ukuxhathisa umrhumo womqeshwa ngamnye kumathathi-nxaxheba okanye ukwenza igalelo esekelwe kwipesenteji echanekileyo yomvuzo ngamnye womqeshwa ofanelekileyo. Ngokuqhelekileyo, abaqeshi kufuneka benze imirhumo ehambelanayo kwimirhorensi yomvuzo womqeshwa ukuya kwi-3% yomvuzo wemisebenzi. Abaqeshi banokukhetha ukunikela umdlalo weepesenti eziyi-1, kodwa kungekhona iminyaka engaphezu kweyesibini kwiminyaka emihlanu. Le mfuneko ayisebenzisiyo xa umqeshi ekhetha ukwenza umrhumo ongakhethiyo olinganayo no-2% womvuzo wonyaka.
Iminikelo engakhethiyo kufuneka yenziwe ngumqeshi ngamnye kunyaka nokuba umqeshwa akakhethi ukugcina imali yomhlalaphantsi kwi-SIMPLE IRA. Ngethuba lonyaka werhafu ka-2016, umyinge womvuzo weminikelo engakhethiyo ihlala ifana ne-265,000.
Iimfuneko zokuphela kweeMfuno zabaSebenzi
Ukuba ungumnini-shishini lomncinci ngecebo le-SIMPLE IRA, kufuneka ubeke igalelo lokunciphisa umvuzo kwabaqeshwa abathatha inxaxheba kwisithuba seentsuku ezingama-30 emva kokuphela kwenyanga babeya kufumana imali njengemali. Iminikelo ehambelanayo nomqeshi okanye umrhumo ongakhethiweyo kufuneka wenziwe ngumhla wokugqibela wokubuyisela irhafu yengxowa-mali (kubandakanywa nezandiso).
Ulwazi loLwazi loLungiso olulungisiweyo
Isixa umqeshwa angenza igalelo kumvuzo wabo kwi-SIMPLE IRA asiguqukanga ngonyaka werhafu ka-2017 kwaye ayikwazi ukudlula i-$ 12,500.
Yabona Yintoni i-IRA SIMPLE? ukuba ufunde kabanzi malunga nendlela umxhasi ohambelana ngayo nomqeshi ekwakhiwe kulolu cwangciso lokulondoloza.
Nyathelo
Ingaba ungumnini-shishini lomncinci okanye umqeshwa wenkampani enika i-SIMPLE IRA, kubalulekile ukuqonda ukuba lolu hlobo lwesicwangciso somhlala-phantsi lunokukunceda njani ukulungiselela umhlalaphantsi. Yilona "linyathelo elihle" lokucwangcisa imali ukuze uhlaziye umnikelo wakho ocwangcisiweyo we-2016 ukuqinisekisa ukuba uphumelele ukufikelela kwiinjongo zakho zomhlalaphantsi. Ukuba awunayo isicwangciso se-SIMPLE IRA ngokuya ungafunda ngakumbi malunga nale moto yokugcina umhlalaphantsi.
Iinkonzo ezongezelelweyo:
Izicwangciso ze-IRA zoShishino lweNcinci (uMthombo: iNkonzo yeNgeniso yangaphakathi)