Ngo-2018, umda wegalelo awuhlali ungatshintshi, kodwa umlinganiselo wokufumana imali ulungelelanise.
- U-5 500 $ kuloo minyaka yobudala engama-49 nangaphantsi
- I-6,500 yee-minyaka kulabo abaneminyaka engama-50 nangaphezulu (sebenzisa iminyaka ekupheleni konyaka wekhalenda)
Ezi zengxowamali zilinganayo ziye zadlulileyo kwiminyaka embalwa edlulileyo; nangona kunjalo, umyinge wemali osebenzayo ukuchonga ukuba unako ukuthatha yonke into okanye enye yemali yenkxaso iye yanda kancane .
Qaphela: umda wegalelo kunye nokunciphisa umvuzo okuxoxwe ngawo kweli nqaku akusebenzi kwi-SEP IRAs okanye ii-SIMPLE IRAs - kuphela kwi-IRA yeNdabuko.
Imingeniso yeNgeniso Xa Wena-okanye Umfazi -Nomntu -Nika iSicwangciso soMhlala-phantsi seNkxaso
Ukuba wena kunye / okanye iqabane lakho nxaxheba kwiplani yomhlala-phantsi oxhaswe ngemali (njenge-401 (k) okanye iCandelo 457), unokwenza igalelo le-IRA - kodwa -inokuba ayinakuhluthwa. Ukunciphisa imivuzo kuyasebenza ukuqinisekisa ukuba unako ukuthatha igalelo lakho le-IRA.
- Kubafayili abangatshatanga abafakwe isicwangciso somhlala-phantsi wenkampani ngo-2018, ukuncitshiswa kuphakanyisiwe phakathi kwe-$ 63,000 kunye ne-73,000 yezigidi zeengeniso ezipheleleyo ezilungisiweyo (MAGI). (Umda we-2017 wawuyi-$ 62,000-$ 72,000.)
- Kwiifayile ezitshatileyo, ukuba uhlanganiswe yiplani yomhlala-phantsi wenkampani ngo-2018 ukunqunyulwa kukhishwe phakathi kwe-$ 101,000 kunye ne-121,000 ye-MAGI, ukwanda kancinci ukususela kwi-2017 u-997 000-$ 119,000.
- Kubafowuni abatshatileyo apho ungagqitywanga yiplani yenkampani kodwa iqabane lakho - ngo-2018, ukuxothwa kwegalelo lakho le-IRA ligqitywa phakathi kwe-189,000 kunye ne-199,000 ye-MAGI, ukususela kumda we-2016 wama-186,000-$ 196,000.
Kuthetha ukuthatha inxaxheba kwiplani exhaswe yinkampani? I-IRS inikeza inkcazo echanekileyo kwi-Are You Covered by Plan Employer's Pension Plan?
Qaphela, isethi ehlukeneyo yemingeniso ye ngeniso isebenza kwiminikelo yeRoth .
Imirhumo ye-IRA engaxhasi
Nangona igalelo lakho le-IRA lingaxothwanga, unokwenza igalelo.
Kubizwa ngokuba ngumnikelo we-IRA ongenakudalulwa kwaye iifom kwi-akhawunti iya kukhula irhafu echazwe yerhafu kwithuba elinjalo njengoko uthatha ukuhoxiswa.
Okanye, unakho ukufaneleka ukwenza igalelo elipheleleyo okanye eliyingxenye yeRoth IRA. Imirhumo yakho yonke kwiRoth ne-Traditional IRAs ayikwazi ukudlula imingcele yeli dola ngasentla, oku kuthetha ukuba unako ukufaka isandla kubo bobabini, njenge-$ 2,000 kwi-IRA yeNdabuko kunye ne-$ 3,500 ukuya kwiRoth, kodwa ixabiso lemibini yomibini ayikwazi ukugqithisa inani lemali.
IRA rollovers kunye nokutshintshwa akubali "njengegalelo" kwaye ke abayi kuchaphazela ukukwazi ukuxhasa i-IRA.
Imigaqo Yemivuzo Efunyenweyo Yonke Imirhumo Ye-IRA
Kufuneka ube nemali engenayo ukuze wenze igalelo le-IRA laluphi uhlobo. Ingeniso yemali engenayo onayo kufuneka ilingane okanye idlulise inani lemali yakho ye-IRA. Oku kuthetha ukuba uthathe umhlalaphantsi kwaye awusekho ukusebenza, awukwazi ukwenza igalelo le-IRA, nangona unako ukulungiswa kwemali okanye ukudlulisela imali kwi-401 (k) kwi-IRA.
IiNtsapho ze-IRA
Unokwenza igalelo le-IRA kumntu ongeyena osebenza naye ongenayo imali engenayo, xa nje unayo imali eyaneleyo engenayo. Oku kubizwa ngokuba ngumtshato we-IRA.
2018 IRA Igalelo lokugqibela
- Ude ube ngu-Apreli 15 we-2019 ukwenza i-2018 ye-IRA.
- Ude ufike ngo-Ephreli 17 ka-2018, ukuze wenze igalelo lakho le-2017 ye-IRA.
IRA yesithethe okanye iRoth IRA?
Andiqinisekanga ukuba kukuphi okulungileyo kuwe? Akukhohlulwa kweerhafu kwiRoth IRA kodwa kuneminye impawu eyenza enye yezona zinto zikhethiweyo zekhefu zomhlalaphantsi ezikhoyo.
IRA okanye i-HSA yesintu?
I-HSA imele i-Akhawunti ye-Savings Health. Nge-Akhawunti Yokugcina Impilo, unako ukwenza igalelo elichithwayo kunye nemali ikhula ihlawulwe irhafu xa isetyenziswe kwiinkcitho zonyango. Ndicinga ukuba abaninzi abantu baya kuzuza ngokuxhaswa ngemali kwi-HSA esikhundleni se-IRA, njengoko i-HSA inikezela ukungena-ntlawulo kwiimali zonyango ezifanelekileyo. Oku kuvumela i-HSA ukuba isetyenziswe ukuqokelela imali yokuthatha umhlalaphantsi ngelixa uqhuba umsebenzi ophindwe kabini njengengxowa-mali yongxamiseko kwiindleko zonyango xa ungekho enye imali ekhoyo yokuyisebenzisa ukuhlawula.
IRA Limits I-indexed to Inflation
Imida ye-IRA iyanamathele kwimali yokunyuka kwemali kodwa ikhuphuka kuphela kwi-increments zama-500. Ukuba ukuguqulwa kwentengo yokunyuka kwamaxabiso ngonyaka kuya kuba ngu-150 kuphela, kuya kuthatha iminyaka engama-4 ngaphambi kokuba i-IRS iphakamise umda. Uyabona ukuba isebenza njani kwimimiselo engezantsi.
| Unyaka | Umda | Ukuba iminyaka yobudala 50+ |
|---|---|---|
| 2017 | $ 5,500 | $ 6,500 |
| 2016 | $ 5,500 | $ 6,500 |
| 2015 | $ 5,500 | $ 6,500 |
| 2014 | $ 5,500 | $ 6,500 |
| 2013 | $ 5,500 | $ 6,500 |
| 2012 | $ 5,500 | $ 6,500 |
| 2011 | $ 5,000 | $ 6,000 |
| 2010 | $ 5,000 | $ 6,000 |
| 2009 | $ 5,000 | $ 6,000 |
Imilinganiselo yokufumana imali yokukwazi ukukhangela igalelo lakho le-IRA ukuba wena okanye wakho umlingane ufikelele kwisicwangciso somhlala-phantsi wekampani uphakame kunye nokunyuka kwamaxabiso. Ngaphantsi kwimbali emfutshane yale mida - uluhlu lubhekisela kwingeniso yakho epheleleyo echitshiweyo.
| Unyaka | Ongatshatanga | Watshata | Iqabane 1 / isicwangciso senkampani |
|---|---|---|---|
| 2017 | $ 62,000 - $ 72,000 | $ 99,000 - $ 119,000 | $ 186,000 - $ 196,000 |
| 2016 | $ 61,000 - $ 71,000 | $ 98,000 - $ 118,000 | $ 183,000 - $ 193,000 |
| 2015 | $ 61,000 - $ 71,000 | $ 98,000 - $ 118,000 | $ 183,000 - $ 193,000 |
| 2014 | $ 60,000 - $ 70,000 | $ 96,000 - $ 116,000 | $ 181,000 - $ 191,000 |
| 2013 | $ 59,000 - $ 69,000 | $ 95,000 - $ 115,000 | $ 178,000 - $ 188,000 |
| 2012 | $ 58,000 - $ 68,000 | $ 92,000 - $ 112,000 | $ 173,000 - $ 183,000 |
| 2011 | $ 56,000 - $ 66,000 | $ 90,000 - $ 110,000 | $ 169,000 - $ 179,000 |