Kufuneka Uzuze Imali
Ukwenza nayiphi na uhlobo lwegalelo le-IRA, kufuneka ufumane imali engenayo elinganayo okanye ngaphezulu kunexabiso legalelo le-IRA. Ukuze igalelo le-IRA litshatile, xa nje omnye wenu enemali engenayo eyaneleyo, ungenza umtshato we-IRA ngomlingane ongenayo imali engenayo.
Oko kuthetha ukuba unako ukufaka isandla kwi-IRA yokutshata kumlingane ongasebenziyo.
Imida yokuxhamla i-IRA yomtshato iyimingcele efanayo neMveli neRoth IRAs . Ngo-2016, oko kuthetha ukuba igalelo le-IRA elivumelekileyo elingu-5,500 lemali ukuba uneminyaka engaphantsi kweminyaka engama-50, kunye ne-6,500 yama-$ ukuba uneminyaka engama-50 okanye ngaphezulu.
Qinisekisa ukuba kufuneka ukuba yiRoth okanye yeNdabuko
Ukuba ingeniso yakho ingaphezulu kakhulu, ngoko unokwenza igalelo le-IRA kumtshato kwi- IRA yeNdabuko okanye kwi-Roth IRA . Ngo-2016, ukuba ingeniso yakho engaphezulu (AGI) ingu-$ 184,000 okanye ngaphantsi koko ungenza umtshato weRoth IRA inxaxheba egameni lomlingane ongasebenziyo.
Ndiyacebisa bonke abafanelekileyo ukufaka isandla kwiRoth IRA ukwenza njalo. Igalelo leRoth lingena emva kokuhlawula irhafu kwaye likhule ngaphandle kweerhafu. Ekuhambeni kwexesha, ukusebenzisa iRoth kunokunikela isiphumo esingcono kuwe ngenxa yomhlalaphantsi kuba iRoth IRA ihoxiswa ayibali kwiifomula ezithile eziyingxenye yekhowudi yentlawulo ye-IRS.
Ukuba umvuzo wakho uphakeme kakhulu kwaye awufanelekile ukwenza iminikelo yeRoth, kufuneka ufumane ukuba umtshato wakho we-IRA uza kutsalwa, okanye ungenakucatshulwa.
Ukuba usebenzisa i-IRA yendabuko, khangela ukuba Unokuyichitha
Ukuba akukho namnye unayo isicwangciso somhlala-phantsi oxhasiweyo lwenkampani, i-IRA yeNdabuko kunye ne-Spousal IRA Igalelo iya kutsalwa ngokupheleleyo.
Ukuba uhlanganiswe yiplani yomhlala-phantsi oxhaswe ngumxhasi (mhlawumbi ngokusebenzisa umqeshi wakho okanye isicwangciso sakho ukuba uqeshwe ngabasebenzi) kunokuba ude uqikelele ukuba ngaba umrhumo unqunyulwa kufuneka ubhekisele kwimingcele yembuyekezo. Ukuba ingeniso yakho iphakamileyo, igalelo le-IRA ayinakudityaniswa.
Imilinganiselo emibini yemingeniso yemali iyasebenza. Eyokuqala isebenza kwikhono lakho lokuthatha igalelo lakho le-IRA ukuba unenxaxheba kwinkqubo yomhlala-phantsi yenkampani. Ngo-2016, unokubamba igalelo le-IRA ukuba ingeniso yakho engenayo ingaphantsi kwe-$ 98,000.
Umgaqo wesibini wokufumana imali usebenza kumandla akho okutsala umtshato we-IRA. Ukuba wenza umtshato we-IRA egameni lomlingane ongenakucetyiswa yiplani exhaswe ngenkxaso, kodwa uyacetyiswa yiplani yenkampani, ngoko ke, ngo-2016, unokutsala i-IRA yomtshato xa uhlawulelo olupheleleyo oluhlelwe $ 184,000 okanye ngaphantsi.
Nangona ungafanelanga ukuthatha inqununu yegalelo le-IRA, unokwenza igalelo le-IRA engekho-deductible , elithile kwiimeko ezininzi kunokunika umnyango wokungena kwiRoth IRA. Ii-IRAs ze-Nondeductible zisakhula i-tax-deferred kwaye zineenzuzo zokukhuselwa kwemboleko-mboleko (ukukhuselwa kwemali-mboleko kwi-IRAs iyahluka ngohlobo lomthetho).
Ngaba Unomntu Omncinci Ongasebenziyo?
Kukho umda osemgangathweni wemingeni ye-IRA yemveli , eyi-70 1/2. Unokwazi ukusebenzisa umlingani we-IRA umlingane omncinane ukuba ajikeleze oku. Ukuba usebenza kunye nangaphezulu kweminyaka engama-70 / 1/2, kodwa ube nomlingane osemncinci ongaphantsi kweminyaka engama-70 / 1/2, usebenzisa i-IRA yokutshata, usebenzise i-IRA.
Okukwintsusa
Xa isetyenziswe ngokufanelekileyo, umrhumo we-IRA ungaza kukuvumela ukuba ufake imali engakumbi kwi-akhawunti ehambelana neerhafu.