Imilinganiselo yeRoth Contribution, ii-Phaseouts,
- U-5 500 $ kuloo minyaka yobudala engama-49 nangaphantsi
- I-6,500 yee-minyaka kulabo abaneminyaka engama-50 nangaphezulu (sebenzisa iminyaka ekupheleni konyaka wekhalenda)
Le migangatho ifana neyeyoyi-2015, ngo-2014 no-2013. Ngaphandle kwemida emide, jonga itafile ngaphantsi kweli nqaku. Nangona igalelo lingazange litshintshe ukusuka kumazinga angama-2016, imingcele yembuyekezo ingatshintshi.
Imimiselo yeNgeniso yeNzuzo ye-2017 okanye i-2016 Iminikelo
Kufuneka ufumane imali engenayo ukuze wenze igalelo leRoth IRA.
Ingeniso yemali engenayo onayo kufuneka ilingane okanye idlulise inani lemali yakho yeRoth IRA.
- Ukuba unemali engenayo eyaneleyo, ukongeza kwirejista yeRoth IRA yakho, unokwenza igalelo leRoth IRA kumntu ongasebenziyo.
- Ukuba unemivuzo eninzi, ngoko awufanelekanga ukwenza igalelo leRoth IRA.
Ngaba Unayo Imali Eninzi Yokwenza Igalelo leRoth?
- Kubafowuni abangatshatanga - ukukwazi kwakho ukufaka isandla kwiRoth IRA ngo-2017 kunqanyulwa njengoko inzuzo yakho epheleleyo eguqulwayo (MAGI) ifinyelela kwi-118,000-$ 133,000.
- Ngo-2016, olu luhlu lwaba ngu-117,000-$ 132,000.
- Ukutshata ngokubhaliweyo ngokubambisana - ukukwazi kwakho ukufaka isandla kwi-Roth IRA kuphakanyiswa njengoko i-MAGI yakho ifinyelela kwi-186,000-$ 196,000 ngo-2017, ukusuka ku-2016 umda we-$ 184,000-$ 194,000.
Ukuba unelungelo lokwenza igalelo leRoth IRA esekelwe kwimingcele engeniso engenayo, ngoko unako ukufaka isandla kwiRoth IRA ngaphezu kokucwangciswa komhlalaphantsi wakho.
Ukuba ingeniso yakho idlula imida engentla apha inokwazi ukwenza igalelo lendabuko ye-IRA engekho-deductible kwaye emva konyaka iguqula i-Roth IRA.
I-Roth IRAs inikezela ngeenzuzo ezininzi ezinjengekhono lokurhoxisa iminikelo yakho yangempela naliphi na ixesha ngaphandle kokuxhomekeka kwerhafu yengeniso okanye izigwebo.
Kwakhona, banikela ngeenzuzo ezibalulekileyo xa usuhlala phantsi. Uninzi lwabantu abakulungele ukwenza igalelo leRoth kufuneka liqwalasele ukwenza njalo.
Iminikelo yoSondlo evumelekileyo
Ukuba umvuzo wakho ungaphakathi kwemida echazwe ngasentla ungenza igalelo leRoth IRA kumntu ongeyena osebenza naye ongenayo imali engenayo. Kubizwa ngokuba ngumnikelo we- IRA womtshato .
2016 kunye no-2017 Igalelo zokuLawulwa kweeNkxaso
- Ude ube ngu-Ephreli 17 ka-2017 ukwenza i-2016 iRoth IRA yenkxaso.
- Ude ube ngu-Apreli 16 ka-2018 ukwenza i-2017 iRoth IRA yakho inxaxheba.
Iminikelo kunye neenguqulelo
Igalelo kunye nemingcele engeniso echazwe ngasentla isebenza kwiminikelo. Xa uguqula i-IRA yendabuko kwiRoth IRA engacatshangwanga njengegalelo-ngoko imali yokuguqula i-Roth ayikho phantsi kwemida engentla. Kwakuqhele ukuba ukuba ingeniso yakho ingaphezu kwama-100,000, awukwazi ukuguqula imali ye-IRA kwiRoth, kodwa loo myalelo werhafu wawushintshile, kwaye loo myingcele wokungeniswa kwemali wasuswa ngo-2010. Unokuguqula imali ye-IRA kwiRoth nanini na, kwaye akukho mda mkhulu kwixabiso onokuguqula.
I-Roth IRAs ngokuchasene neeAkhawunti zeRoth
I-Roth IRA ihluke kuneRoth 401 (k). I-Roth 401 (k) s ibizwa ngokuba yi-akhawunti ekhethiweyo ye-Roth kunye nemingcele engeniso echazwe ngasentla ayifaki kwiRoth 401 (k) iminikelo.
I-Roth 401 (k) imida yamanqaku ifana ne-401 rhoqo (k) imida yokunikela. Ukuba umqeshi wakho unikeza i-akhawunti engama-401 (k), unokukhangela isicwangciso somlawuli ukuba ubone ukuba isicwangciso sivumela iminikelo yeRoth.
IRA yesithethe okanye iRoth IRA?
Ngaba awuqinisekisi ukuba ngaba wenze igalelo le-IRA okanye iRoth IRA? Imveli ye-IRA inokunikela ngokuncitshiswa kweerhafu kwimali eyenziweyo, kanti iRoth ayikho. Nangona kunjalo, xa uhoxisa imali kwi-IRA yeNdabuko, uya kuhlawula irhafu, kanti ukunikezelwa okufanelekileyo kwiRoth kungenanto yerhafu.
Ngaba i-Roth yam i-IRA kabini njengeNgxowa-mali yam yoxinzelelo?
Unako ukuhlawula igalelo lakho kwiRoth, kwaye awuhlawuli irhafu okanye izigwebo xa wenza oku. Kuthetha ukuba iRoth IRA inokwenza umsebenzi ombini njengengxowa-mali yakho.
Igalelo Iimali kunye neNqununu yeNgeniso zi-Indexed kwi-Inflation
Isixa onokufaka isandla, kunye nemingeniso yokufumana imali, zombini ihlawulwe kwixabiso lokunyuka kwamanani, oko kuthetha ukuba izinga eliphezulu lokunyuka kwamaxabiso, ulungele ukuba ubone imida ephakanyisiweyo.
Amanqanaba omrhumo aya kunyuka kwi $ 500. Imingcele yokufumana ingeniso ikhuphuka kwi-increment $ 1,000. Imida yomlando ibhalwe kwitheyibhile elingezantsi.
| Unyaka | Umda | Ukuba iminyaka yobudala 50+ | Umda we-MAGI ongapheliyo | Umtshato weMIGI umda |
|---|---|---|---|---|
| 2017 | $ 5,500 | $ 6,500 | $ 118,000 - $ 133,000 | $ 186,000 - $ 196,000 |
| 2016 | $ 5,500 | $ 6,500 | $ 117,000 - $ 132,000 | $ 184,000 - $ 194,00 |
| 2015 | $ 5,500 | $ 6,500 | US $ 116,000 - $ 132,00 | $ 183,000 - $ 193,000 |
| 2014 | $ 5,500 | $ 6,500 | $ 114,000 - $ 129,000 | $ 181,000 - $ 191,000 |
| 2013 | $ 5,500 | $ 6,500 | $ 112,000 - $ 127,000 | $ 178,000 - $ 180,000 |
| 2012 | $ 5,000 | $ 6,000 | $ 110,000 - $ 125,000 | $ 173,000 - $ 183,000 |
| 2011 | $ 5,000 | $ 6,000 | $ 107,000 - $ 122,000 | $ 169,000 - $ 179,000 |
| 2010 | $ 5,000 | $ 6,000 | $ 105,000 - $ 120,000 | $ 167,000 - $ 176,000 |
| 2009 | $ 5,000 | $ 6,0004 | $ 105,000 - $ 120,000 | $ 167,000 - $ 176,000 |