Fumana ukuba yiyiphi iMida ekuNyaka weRhafu yangoku
Ukuba ulungile ukuya kuma-akhawunti omhlala phantsi , unganqumla isigaba "sesigcaziso" kwaye uye ngqo ngqo kwimida yokuthatha umhlala-phantsi ka-2016.
Ukuba usengumngcipheko, funda ufunde ngokubanzi malunga nendlela ongayilondoloza ngayo umhlalaphantsi.
Imvelaphi
Kukho iincinci zeeakhawunti ezahlukeneyo ezikunceda ukugcina umhlalaphantsi.
Iyiphi i-401k?
I-akhawunti yomhlalaphantsi ethandwa kakhulu yi-akhawunti ye -401k , enikwa ngabaqeshi abaninzi . Imali oyifake kwi-401k yakho ibizwa ngokuba "negalelo lakho". Le galelo lenziwe ngemali engekahlawulwa. Oku kuthetha ukuba endaweni yokuhlawula irhafu yengeniso kwigalelo lakho ngoku, uya kuhlawula irhafu iminyaka phantsi kwendlela xa uhoxisa loo mali.
Ukuba usebenza ngokuzimeleyo, kwaye ishishini lakho alinabasebenzi abaqhelekileyo ngaphandle kweqabane lakho, unokwenza u-401k ngamnye. Ngamanye amaxesha kuthethwa ngokuba yiSolo 401k. Unokhetho lokuncedisa i-dollar engaphambili okanye irhafu emva kweSolo 401k yakho.
Ukuba ufuna ukufaka igalelo lentela emva kwentela - oku kuthetha ukuba uhlawule irhafu kulo nyaka, kodwa akufanele uhlawule irhafu xa uhoxisa imali ekuthathe umhlalaphantsi - i-akhawunti yakho iya kuthiwa yiRoth Solo 401k okanye iRoth Individual 401k.
Yintoni i-IRA?
Kukho iintlobo ezine eziphambili zeAkhawunti zeRhafu zomhlala phantsi, okanye ii-IRAs: I-SIMPLE IRA, i-SEP-IRA, i- IRA yeNdabuko kunye neRoth IRA .
Imveli ye-IRA ixhaswa ngemali ngeerhafu engaphambili, ngelixa iRoth IRA ixhaswa ngemali emva kwentela yerhafu. ( Nasi isicatshulwa esincedo: nanini na xa uva igama elithi "Roth," libonisa "iirhafu zerhafu emva koko.")
Uvumelekile ukuba udibanise kwi $ 5,500 ngonyaka (ngonyaka we-2016) ukudibanisa i-akhawunti yakho ye-IRA kunye ne-Roth IRA akhawunti. Ukuba uneminyaka engama-50 okanye ngaphezulu, unokwenza i-$ 1,000 eyongezelelweyo ngaphezulu kwaloo mda.
Ngamanye amazwi, igalelo lakho lonyaka kwiRoth IRA yakho kunye ne-IRA yakho yeMveli ayikwazi ukuba ngaphezu kwama-5,500 ayi-$ ukuba uneminyaka engama-49 okanye ngaphantsi, okanye i-$ 6,500 ukuba uneminyaka engama-50 okanye ngaphezulu.
Eminye imizekelo: USally, oneminyaka eyi-25 ubudala, uncedisa i-R500 IR $ I-500. Akavunyelwe ukunikela nantoni na yakhe kwiNkcubeko ye-IRA ngaloo nyaka.
UJohn, oneminyaka engama-57, unika i-$ 2,500 kwiRoth IRA yakhe kunye ne-$ 4,000 kwi-IRA yeNdabuko.
UBenny, oneminyaka engama-44 ubudala, uncedisa iR $ I-R4 I-R4 IRA kunye ne-$ 1 kwi-IRA yakhe yesiGaba.
Unokwenza i-akhawunti ye-IRA kunye neRoth IRA ngokwakho. Ngokwahlukileyo, ngumqeshi wakho kuphela onokumisela i-SEP-IRA kuwe. I-SEP-IRAs isoloko isetyenziswe ngabo bazimeleyo okanye amashishini amancinci.
Umqeshi wakho unokufaka isandla kwi-25 yeepesenti yomvuzo wakho kwi-SEP-IRA-ngoko ukuba uhlawulelwa i-$ 80,000, umqeshi wakho unokufaka i $ 20,000 kwi-SEP-IRA yakho.
I-SIMPLE IRA isetyenziswe ngamashishini amancinci anabasebenzi abangama-100 okanye abambalwa. Iintlawulo kwi-I-SIMPLE IRA zenziwe ngeedola zerhafu.
2016 Imida yoNyaka
Kukho amaxesha i-IRS inquma ukwandisa imingcele yomrhumo womhlalaphantsi , nangona akuzange kubekho ukwanda okukhulu konyaka ophelileyo.
Nantsi imida ekhoyo ukuze uhlale kwindlela kunye neenjongo zakho:
401k - $ 18,000
Oku kusebenza kuzo zombini iRoth kunye neMveli ye-401k. Ikwasebenza nakwi-cantins ka-401k, ebizwa ngokuba yi-403b kunye ne-457.
Ukuba uneminyaka engama-50 okanye ngaphezulu, ungeze i-$ 6,000 eyongezelelweyo ukuya phezulu - ukuba iyonke i-24,000 yeeRandi ukuze ungagqithisa kwi-401k.
I-SEP-IRA-$ 53,000
Yilumkele nje - uvumelekile ukuba unikezele ipesenti ezingama-25 zenzuzo yakho yenetha, ukuya kuma-dollar angama-53,000.
I-Traditional and Roth IRA, iSIMPLE IRA-$ 5,500
Unokunikela kuphela ama-5 500 ayi-$ 500 ukuya kudibaniso lwe-Traditional and Roth IRA yakho, okanye i-$ 6,500 uma uneminyaka engama-50 okanye ngaphezulu. Unokufaka i-$ 12,500 kwi-SIMPLE-IRA, okanye i-$ 15,500 xa uneminyaka engama-50 okanye ngaphezulu.