Abanye abantu bangaba ne-$ 24,000 ukuya kwi-401 (k) icebo
Ngoku uthathe umoya uze uphindele eqinisweni. Ewe, unako ukwenza konke oku, kodwa i-IRS ayaziwa ngokuphana okungenamkhawulo.
Unokwenza kuphela ugalelo lwentlawulo kwi-401 (k) ukuya kwimida ethile ngonyaka. Ewe, unokuba negalelo elininzi xa uthanda, kodwa awuyi kufumana irhafu yerhafu kwiminikelo.
2016 no-2017 Imida
Unyaka ngamnye, i- IRS ibeka umda weminikelo eninzi ongayenza kwi- 401 (k) isicwangciso sakho . Ixabiso lemali lahlala lizinzile ngo-2016 ngoko umda awuzange ulungiswe. Abantu banokufaka isandla kwi $ 18,000 ngo-2017 njengendlela yokukhethwa kwemivuzo ekhethiweyo kwisicwangciso se-401 (k), esifana neyakwaziyo ngo-2016. Kodwa ukuba uneminyaka engama-50 okanye ngaphezulu, unokwenza uncedo olongezelelweyo "lokubamba" $ 6,000.
Imida yokuxhaswa imimiselo sele isetyenziswe kule miqobo elandelayo:
| 401 (k) Imida yoNyaka | ||||
| Unyaka | Ukukhethwa kweMivuzo yokuPhathwa kweMvuzo | Iminikelo yokubambisa ukuba uneminyaka engama-50 okanye ngaphezulu | Umyinge weNkcazo yokuSebenza kwabasebenzi bonke | Umthombo |
| 2017 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2016-141 |
| 2016 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2015-118 |
| 2015 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2014-99 |
| 2014 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2013-86 |
| 2013 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2012-77 |
| 2012 | $ 17,000 | $ 5,500 | $ 22,500 | IR-2011-103 |
| 2011 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2010-108 |
| 2010 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2009-94 |
| 2009 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2008-118 |
Umda usebenza kuwo wonke ama-401 (k) akhawunti onokuyenza kulo nyaka okhoyo. Ukuba usebenza kwimisebenzi emibini okanye ngaphezulu okanye utshintshe imisebenzi phakathi konyaka, unokwenza ulandele u-401 (k) iminikelo ukuze uqinisekise ukuba awugqithisi ubuninzi obuvunyelwe ngaphandle kokuba ungacingi ukuba uncedise iirandi ezirhafuweyo. .
Ngokuxhomekeke kwiminyaka yakho, oku kungenako ukuyenza ingqiqo.
Ukuba unako ukufaka isandla esiphambili, mhlawumbi kulula kakhulu ukuphula umda wonyaka ukuya kwizitofu ezilinganayo ngexesha lokuhlawula. Uya kugcina inani elifanayo ngalinye lokuhlawula ngaloo ndlela kwaye uya kuba yindleko-dollar- investment in investment investments.
Izikhundla ezikhethiweyo zemivuzo zinokufakwa kwi-401 yemveli yerhafu (k) okanye kwiRoth 401 (k) yeakhawunti. Unokwenza unxibelelwano lweemali kwiingxelo zendabuko kunye neRoth ngokude nje ukuba i-total deferrals iyonke iyalingana okanye ingaphantsi kwonyaka ophezulu.
Iminikelo Yomqeshi Wakho
Ukuxhaswa kweminikelo evela kumqeshi wakho kufikelela kuma-25 ekhulwini lomvuzo wakho. Ukuba usebenza ngokuzimeleyo kwaye uncedisa imali yakho 401 (k), inxaxheba ehambelana nayo ingaphelelanga kuma-20 ekhulwini lomvuzo wakho wokufumana umsebenzi. Iimali ezifanayo zihlala zinegalelo kwingxenye ehlawulwe irhafu ye-401 (k) icebo.
Ingqikithi yokuchasana kwemivuzo ekhethiweyo kunye nomrhumo wokulinganisa umqeshi ulinganiselwa kuma-54,000 wamawaka ngo-2017.
Imida yokugqibela
Unokwenza imirhumo emiselweyo kwi-paycheck yakho yokugqibela yonyaka, kodwa umhla wokugqibela ungowomhla wama-31 ngo-401 (k) iminikelo yonyaka werhafu 2016 no-2017.