Abantu ngabanye bangakwazi ukugcina i-$ 18,500 ngonyaka nge-403 (b) isicwangciso ngo-2018
Umninimhla werhafu unokuba negalelo ekukhethweni okukhethiweyo kwi-403 (b) icebo li-$ 18,000 ngonyaka ka-2017, kodwa ukuba uneminyaka engama-50 okanye ngaphezulu, unokufaka i-$ 6,000 eyongezelelweyo njengegalelo "lokubambisa". Abaqeshi banokufaka isandla kwiipesenti ezingama-25 zomvuzo womqeshwa wonyaka nje ngegalelo elifanayo. Inani elipheleleyo lokuchasana nokukhethwa kwamanani alinganayo lilinganiselwa kuma-54,000 wamawaka ngo-2017, kodwa le migangatho iyafakwa kwi-inflation.
Oku kuthetha ukuba banokulindela ukwandisa ngezikhathi ukuqhubeka noqoqosho.
Le tstsana inokukunceda ukuyibeka kuyo yonke imbono. Uya kubona ukuba imida ayizange ikhule ngokunyanisekileyo ukususela ngo-2009, kodwa iyakhula ngokunyuka ukulinganisa ukunyuka kwamaxabiso kunye noqoqosho, ubuncinane kwinqanaba elithile.
| 403 (b) Umrhumo wonyaka | ||||
| 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 |
2018 Imida
Umda wokumisela umvuzo okhethiweyo unyuke kumaRandi ayi-18 500 ngo-2018. Umda wokubanjwa uhlala kuma-6,000. Umyinge womyinge womyinge uwonke unama-24,000 kwi-$ 24,000 ubuncinane omnye unyaka.
Imida iSebenzise kwiziCwangciso ezimbini
Le miqathango isebenza kokubili nawuphi na u-403 (b) kunye no-401 (k) ingxelo yomrhafi werhafu unakho ngexesha lonyaka. Ngamanye amagama, ukuba usebenza kwimisebenzi emibini okanye ngaphezulu okanye utshintshe imisebenzi phakathi konyaka, unokufuneka uzinike ixesha elithile ukulandelela umrhumo wakho kwi-401 (k) kunye no-403 (b) icebo lokuqinisekisa ukuba ungancedisi ngaphezu kwexabiso elivunyelwe.
Ezinye Iingcebiso Zokuqhawula Umda
Kungenzeka kube lula ukuphula umyinge wonyaka ukuya kwiiyure ezilingana nedola ngalinye kwixesha lokuhlawula xa uceba ukufaka isandla semali evumelekileyo. Oku kuya kukuvumela ukuba ulondoloze umlinganiselo ofanayo ngexesha ngalinye lokuhlawula kwaye kuya kuba ne- dollar-cost-average umrhumo wakho kwiifomali zakho zomhlala-phantsi. Unokwenza oku ngokuthatha isamba semali yakho yonyaka kunye nokwahlula inani lilonke ngenani lexesha lokuhlawula.
Izikhetho ezikhethiweyo
Izikhundla ezikhethiweyo zonyango ziphathwa ngokwahlukileyo kumnikelo ohambelana nomqeshi. Ngamnye unemida yawo kunye nonyango lwerhafu. Iingxelo ezikhethiweyo zemivuzo zinokufakwa kwi-403 yendabuko yerhafu (b) okanye kwiRost 403 (b) yeakhawunti, okanye ukudibanisa neengxelo zeMveli kunye neRoth, nje kuphela ukuba yonke i-deferrals yomvuzo iyalingana okanye ngaphantsi komyinge wonyaka.
Ukuxhaswa kweminikelo evela kumqeshi wakho kufikelela kuma-25 ekhulwini lomvuzo wakho. Ukuxhasana kwemali rhoqo kunenxaxheba kwingxenye ehlawulwe irhafu ye-403 (b) isicwangciso sakho.
Ingqikithi yokuchasana kwemivuzo yakho kunye nomrhumo wokulinganisa umqeshi ulinganiselwa kuma-54,000 wamawaka ngo-2017. Le mali iphakama i-$ 1,000 ukusuka kumda we-53,000 wee-53 000 owenziwe ngo-2016 no-2015.
Qaphela: Njalo qhagamshelana neengcali zerhafu malunga nolwazi oluphezulu kunye nolwazi. Imithetho yerhafu kunye nemithetho ingatshintsha rhoqo. Eli nqaku alikho iingcebiso zerhafu kwaye akujoliswanga njengeengcebiso zerhafu.