457 Isicwangciso semida

I-IRS Contribution Limit kwisiCwangciso seNkxaso-mali esicwangcisiweyo esingu-457 ngo-1800 ngo-2018

Isicwangciso se- 457 yiplani yomhlala-phantsi oxhaswe ngumqeshi owanikezelwa nguorhulumente karhulumente kunye noomasipala kunye neminye imibutho ehlawulwa irhafu phantsi kweNgeniso ye-Revenue Code 501 (c). I-457 (b) isicwangciso isicwangciso sembuyekezo esichasayo esivumela ukuba ube negalelo kwi-akhawunti yomhlalaphantsi kwaye ukhusele loo mivuzo evela kwerhafu yangoku. 457 (b) izicwangciso zinegalelo elifana ne- 401 (k) kunye ne- 403 (b) nezicwangciso. Nangona kunjalo, kukho ukungafani okubalulekileyo okwenza u-457 (b) ucwangcise enye indlela ekhangayo kulabo bafanelekile ukunikela.

Ngezansi imida yoxanduva lomnyaka werhafu ka-2016:

2018 Imingcele yegalelo ye-457 (b) Izicwangciso

Ngokufanayo nemilinganiselo yegalelo ye-401 (k), unganokufaka isandla kwi-18,500 ukuya kwi-457 (b) isicwangciso ngo-2018. Eli nani lemali yokunciphisa isamba esincinci ukususela ngo-2017 xa umda ube ngu-18,000. Ukuba ungumqeshwa karhulumente kunokuba usebenze inhlangano engakhokhelwa irhafu kukho enye inxaxheba "yokubambisa" inokufumaneka. Ukuba uneminyaka yobudala engama-50 okanye ngaphezulu unako ukubeka eceleni i-$ 6,000 eyongezelelweyo kwiminikelo "yokubambisa" (umyinge wama-24,500 wemali engama-50 ubudala okanye ngaphezulu ku-2018). ukwandisa kwikamva.

Kungakhathaliseki ukuba usebenzela umqeshi karhulumente okanye intlangano ekhutshwe irhafu enye into "yokubambisa" ikhona. Ukuba usondelene nomhlalaphantsi, unokongeza ngaphezulu kwiminikelo yokubambisa kwi-457 (b) yakho.

Kwiminyaka emithathu ngaphambi kokuba uthathe umhlalaphantsi, unako ukufaneleka ukunikela ngokuphindwe kabini umda wenkxaso wonyaka. Le nto inokubakho i $ 37,000 ngo-2018. Nangona kunjalo, gcinani engqondweni ukuba ungeke uchithe inxaxheba kokukhethwa kokubanjwa kwimiba emibini ngonyaka. Kodwa ukuba ufumana umnikelo ohambelanayo nomqeshi , isamba sakho sesibonelelo semali sinokuba sikhulu.

Gcina ukhumbule ukuba isixa-mali esingaba negalelo kwi-457 (b) isicwangciso sakho asikwazi ukuba ngaphezu kwe-100% yomvuzo wakho.

Ziziphi iinzuzo zokuthatha inxaxheba kwi-457 (b) isicwangciso?

Kukho iingeniso ezibalulekileyo zerhafu kubathathi-nxaxheba kwi-457 (b) icebo. Njengama-401 (k) kunye no-403 (b) izicwangciso, kwisicwangciso se-457 yonke imirhumo ikhula irhafu. Oku kuthetha ukuba awuyi kuhlawula irhafu yengeniso kwiminikelo oyenzayo okanye imali yokufumana imali kwisicwangciso sakho sokuthatha umhlala phantsi ade uhoxise imali. Xa uqala ukwenza ukurhoxiswa kwesi sicwangciso, ezi zihoxiswa zihlawulwe irhafu njengemali engenayo. Enye into ebeka izicwangciso ezingama-457 ngaphandle kwezinye izicwangciso zomhlala-phantsi ezifana ne-401 (k) kunye no-403 (b) akukho nantlawulo ye-retrait yokuqala yokuqala ye-10% xa uthatha isigqibo sokuthatha imali ngaphandle kwe-akhawunti yakho engama-59 ½. Lo mgaqo usebenza kuphela nje ngokuba awusebenzela umqeshi ofanayo. Ukwahlukana okwehlukileyo ngokuqhelekileyo kwenza ukuba i-457 (b) icwangcise ngakumbi ngakumbi kunontanga yabo, ingakumbi kulabo baceba ukuhlala phantsi okanye ukufikelela kwiimali zabo zomhlalaphantsi ngaphambi kweminyaka eyi-59 / 1/2.

Ukufumana ulwazi olongezelelweyo kwi-457 (b) izicwangciso onokutyelela kwiwebhusayithi ye-IRS okanye ukuhlaziywa kwePublication 4484 .

Iingcebiso Zokugcina Umhlala-phantsi kwiiSicwangciso se-457

• Izicwangciso ezingama-457 ngoku ziphathekayo kunanini ngaphambili. Ukuba usebenzela umqeshi karhulumente kwaye utshintshe imisebenzi okanye unqanyulwe, ungadlulisela imali kwi-akhawunti yakho ye-457 kumqeshi wakho omtsha 401 (k), 403 (b) okanye 457 isicwangciso (ngaphandle kokuba iyakwamukela iifowuni). Kananjalo unakho ukhetho lokuqoqa imali kwi-IRA yendabuko. Abasebenzi bemibutho engakhokhelwa yerhafu banokudlulisela imali kuphela kwisicwangciso esithile sokuhlawulwa kwentlawulo 457 esamkela iifom, sishiye imali kwisicwangciso, okanye sithathe ulwabiwo oluhlawulwa irhafu xa beshiya umqeshi.

• Urhulumente 457 (b) izicwangciso zingalungiswa ukuvumela igalelo e-Roth ekhethiweyo kunye nokucwangcisa i-rollovers kwii-akhawunti zeRoth ezikhethiweyo. Oku kunika amathuba angaphezulu okukhula kweerhafu. Qaphela: Ukuba ucinga i-Roth 457 Isicwangciso, ungasebenzisa i-calculator ngaphambi kokuba ithathele umlinganiselo wokubala ukuba ufumane inketho engcono kwiimeko zakho zerhafu.
• Xa ukhetha umxube wolwabiwo-mali olwabiwo-mali, qiniseka ukuthatha iinjongo zakho zotyalo-mali, ukunyamezeleka kwengozi kunye nexesha lokungena kwi-akhawunti.
• Khangela ukujonga ukuba isicwangciso sakho sinikela umdlalo womqeshi. Ukuba umntu ufumaneke ngokubanzi ucebise ukufaka isandla okungenani imali efunekayo ukufumana isixa semali esilinganayo esiphezulu.

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