IsiCwangciso soMhlala-phantsi soTitshala kunye nabasebenzi abangenanzuzo
Nantsi ingakanani ongayinayo kwi-403 yakho (b) isicwangciso ngo-2017:
403 (b) Imida yoNyaka ka-2017
Ezi mali zingatshintshwa unyaka nonyaka kodwa ziya kuhlala zifana nemida ye-2016. Ngo-2017, inani elincinci ongayinayo kwi-403 (b) icebo li-$ 18,000 (i-24,000 zamawaka angama-50 ubudala okanye ngaphezulu) okanye i-100% yembuyekezo.
Ukongeza kwimiqathango yomrhumo womqeshwa ingafakwa eceleni kwi-403 (b) ukuba umqeshi unikela ngeminikelo yomdlalo. Ngezicwangciso ezibonelela umlinganiso womqeshi, umyinge wenkxaso yonke u-54,000. Umrhumo womrhumo womqeshwa uhlala ufana nelapha ngasentla, kodwa umqeshi angakhetha ukongeza kwenye i-36,000 yeeRhafu (ukuba ungadluli kwii-54,000 zamawaka ngo-2017).
Ziziphi iinjongo eziphambili zokufaka isandla kwi-403 (b)?
403 (b) izicwangciso zifana ne-401 (k) izicwangciso. Kodwa oku akuzange kube njalo imeko (jonga ukungafani okwangoku kuchazwe ngezantsi). 403 (b) izicwangciso ezisetyenziselwa ngokukodwa ukutyalo-mali kwiikontrakthi zonyaka-mali kunye neakhawunti eyahlukileyo kwizinga elitshintshileyo okanye elinganayo lokutsalwa kwetyala.
Ngoku ubuninzi bee-403 (b) izicwangciso zinikeza inketho yokutshala imali kwi-akhawunti yokugcina imali. Nangona i-403 (b) iiplani ziqhubeka zinikela ngemali-mali, ukusetyenziswa kweendlela zokutyalomali-mali ezahlukahlukeneyo kufana nesakhiwo semveli 401 (k) izicwangciso.
Inzuzo eqhelekileyo yowama-403 (b) izicwangciso kukuba igalelo zenziwa ngemirhorensi yomvuzo ongaphambili.
Ukuba usebenzela inkampani enika i-403 (b), ukuthatha inxaxheba kwisicwangciso sakho somqeshi kunokukunceda ukuba ufeze oku kulandele umendo wokuthatha umhlalaphantsi:
- Ukwakha ngokuzenzekelayo ubutyebi ngomhlalaphantsi
- Iintlawulo zangaphambili zerhafu zinciphisa imali engenayo engenayo
- Ukutsalwa kwexesha ngalinye lokuhlawula lixhamla i-dollar cost average
- Iintlawulo zikhula zikarhoxiswa irhafu kwaye azihlawulwanga de uze uzihoxise
- Igalelo elifanayo lomqeshi linokufumaneka
2017 Imida yeRoth 403 (b)
Inkqubo ye-Roth (DRA) ekhethiweyo ivumela imibutho ukuba ikhethe igalelo le-403b njengeminikelo yeRoth. Roth 403 (b) izicwangciso zifana neRoth 401 (k) . Oku kukhethwa ngokutsha kwaye inzuzo eyona nto kukuba unokwenza umrhumo werhafu emva kokuba uvumele ukukhula kwentela-mali yakho.
Ngo-2017, umyinge we-Roth 403 (b) ngowama-18,000 wama-18,000, kunye negalelo elingaphezulu kwe-6,000 ye-catch-up kule minyaka engama-50 okanye ngaphezulu.
- Iintlawulo zenziwa ngeerhafu zentela (akukho ncitshulwa yerhafu yonyaka)
- Imali ikhula ikhululekile irhafu (njengoko ubuncinane ubuneminyaka engama-59 ½ ubudala kwaye sele ibe yiminyaka emihlanu ukususela kwi-Roth 403 (b) yokuqala yegalelo)
- Ngokungafani neRoth IRAs , akukho mithintelo yengeniso
- Ukubonelela ngeentlawulo zentlawulo
- Ilungele ukulungiswa kwiRoth IRA kumhlala phantsi ukuphepha ukunikezelwa okuncinane okufunekayo (RMD)
Ukuba isicwangciso sakho sinikeza iRoth 403 (b) ukhetho onokufaka isandla kwindabuko, ngaphambi kokuhlawula irhafu 403 (b) kunye neRoth 403 (b) ngaloo nyaka unyaka nje ukuba isixa semali esihlangeneyo asidluli umda wonyaka.
Ukwahlukana phakathi kwe-403 (b) kunye no-401 (k)
Ulwahlulo lwangaphambili phakathi kwezi ntlobo ezahlukeneyo zocwangciso lomhlala-phantsi lupheliswe nguMthetho woPhuhliso loQoqosho kunye noMthetho woNgeniso loNgeniso loNcedo loNyaka ka-2001. Nangona kunjalo, unyulo olulodwa olukhethekileyo olubhekiswa njengolulawulo lweminyaka eli-15 luyaqhubeka ukusebenza ngo-403 (b) izicwangciso (ukuba kuvunyelwe ngumqeshi). Ukubonelela okhethekileyo okubambisa ubomi kuvumela abasebenzi abaneminyaka eli-15 okanye ngaphezulu benkonzo kunye nomqeshi ofanayo ukufaka i-$ 3,000 eyongezelelweyo xa umrhumo ophakathi kwiminyaka eyadlulileyo ayidluli kwi-$ 5,000.
Ngaphantsi kwemithetho yangoku le nkonzo ayinakudlula i-$ 3,000 ngonyaka (ukuya kumaxesha angama-15,000). Ukuba ngaba bobabini abaneminyaka engama-50 kunye neminyaka eyi-15 yokubambisana ikhona, nayiphi na iminikelo edlulisa umda we-18,000 wonyaka uza kuqala ukusetyenziswa ngokulawulwa kweminyaka eyi-15 ilandelwe ukufikelela kwamashumi ama-50.