Unomhla werhafu ngo-Ephreli ka-2018 ukwenza igalelo lakho le-2017 ye-IRA Ukuba ufuna ukuzisebenzisa ngokunjalo kwezi ntlawulo zonyaka wokufakela irhafu, kodwa ukuba awuyi kutshintshi umda wakho wenkxaso yonyaka , awukwazi ukubuyela ixesha kwaye uxhaswe ngemali oyilahlekileyo.
Indlela ye-IRA yeNdabuko esebenza ngayo
Ukuvulwa, ukuxhaswa ngemali kunye nokuqhuba i-IRA ngexesha elifanelekileyo lichanekileyo; Nanku ukuhamba kwamanyathelo:
Vula i-IRA yendabuko ngokusebenzisa i-firmware ye- brokerage, inkampani ye- joint fund , ibhanki, okanye elinye iziko lemali, elowo liza kuba neminikelo yalo yemveliso.
Nika imali kwi-IRA yendabuko, kwaye uthabathe uhlawulelo lwerhafu kwimali oyifakayo. Yikhumbule ukuba imida eqinile kwimivuzo ongayongeza kwi-IRA yendabuko kunoma yimuphi umvuzo werhafu.
Xa usuxhaswe ngemali yakho ye-IRA yendabuko, sebenzisa imali ukutshala imali kwiimpahla , iibhondi , iimali ezidibeneyo , ukuthenga i- real estate , okanye ezinye izinto eziphathekayo. Ukuba uvula i-IRA yendabuko kwibhankini yakho yasekhaya, banokuvumela kuphela ukuthenga izitifiketi eziqinisekisiwe ze-FDIC ye-deposit. Ukuba uya kunye nenkampani ye-brokerage, baya kukuvumela ukuba uthenge ii-asethi ezihlukeneyo kwi -stock -s-blue-chip ukuze uhlalutye imali .
Ngethuba leminyaka okanye eminyaka apho ugcina impahla kwi-IRA yakho yendabuko, inzuzo yakho yotyalo-mali ityala inkululeko. Ukuba unayo i-$ 1,000,000 yexabiso leoli kunye neebhanki ezinokuhlawula i-40,000 zamawaka ngonyaka ngemali-mali, ngaphantsi kweemeko zonke, awuyi kuba ne penny kwi-tax, federal, okanye yorhafu yentlawulo. Ezinye izitokhwe zangaphandle zithintela irhafu kwizabelo xa zingenayo intsebenziswano enxulumene neerhafu kunye ne-United States, ke qaphela xa ufumana iimpahla zamazwe ngamazwe kwi-IRA yemveli.
Naliphi ixesha emva kweminyaka engama-59.5 ubudala, ungaqala ukuhoxisa kwi-IRA yakho yemveli. Ukurhoxiswa kwemali nayiphi na into eyenza phambili kubangela isigwebo se- 10% ngaphandle kokuba udibane nenye yeemviwo ze-IRS . Xa uthabatha imali ngaphandle kwe-akhawunti, uza kuxela kwiirhafu njengemali engenayo rhoqo. Uya kuhlawula irhafu kulezi zihoxiso, ezisebenzela njengengeniso ohlala kuyo yonke imihla yobomi bakho.
Emva kokuba uhlasele iminyaka engama-70.5, awuyi kukwazi ukufaka isandla nakwezinye iimali, kunye nezigunyaziso ze-IRS ukuba uthathe ukuhanjiswa okufutshane okufunekayo okufunyenweyo (RMD) kwi-akhawunti yakho, okanye uza kufumana isigwebo esinzima sama-50 ekhulwini isixa omele uhoxise kuso.
Igalelo elikhulu kakhulu kwi-IRA yobuNtu yonyaka weRhafu 2017
Umda wegalelo we-IRA wonyaka werhafu 2017 uxhomekeke kwiminyaka yakho kwaye usebenza kwi-IRA yakho yendabuko kunye nayiphi na iRoth IRA. I-IRS ijonge igalelo lakho lilonke kuzo zonke ii-IRAs xa kugxininiswa imida yokunikela. Xa usufikelela kwiminyaka engama-50 okanye ngaphezulu, unokubeka eceleni imali eninzi njengenkxaso "yokubamba" inkokhelo yakho yokugcina imali ngaphambi kokuba uthathe umhlalaphantsi. Ukuba uneminyaka engama-49 okanye umncinci, unako ukufaka isandla kwi-5 500 ukuya kwii-akhawunti ze-IRA ze-2017.
Ukuba uneminyaka engama-50 okanye ngaphezulu, unako ukufaka isandla kwi-akhawunti engama-6 500 kwii-akhawunti ze-IRA
Izibini ezitshatileyo zingabakho kunye ne-IRA yabo yemveli yokwandisa inani abanako lokugcina indawo yokuhlala. Ngokomzekelo, ukuba indoda eneminyaka engama-52 ubudala isatshatile kumfazi oneminyaka engama-48 ubudala, banokubeka bucala i-$ 12,000, kunye ne-6 500 zamaRandi ukuya kwi-IRA yakhe kunye ne-$ 5,500 ukuya kwi-IRA yakhe. Ukuba omnye wabafazi asebenzanga, i-IRA imisela ukuba umyeni okanye umfazi ohlala ekhaya ukuba enze igalelo le-IRA ngokusebenzisa iimali zekhaya ukuze angabalandeli abenzi bezindlu.
Ngaba Unako Ukubhala Iingxowa Zengxowa Zengxowa-mali zeNdabuko Zenzelwe Unyaka Weentela 2017?
Kwiimeko ezininzi, igalelo lakho lemveli ye-IRA lichithwa kwi-tax return yakho. Oku kukuvumela ukuba unciphise umrhumo wakho werhafu kwaye ukhuthaze ukuba ugcine umhlalaphantsi. Imilinganiselo yokufumana imali ekudityeni igalelo lakho kuxhomekeke ekubeni ngaba ungekho phantsi kwenkqubo yokuthatha umhlalaphantsi emsebenzini.
I-IRS inqumle ingeniso yakho yokufaneleka kwemveli ye-IRA ngokusebenzisa ifomu echitshiweyo yokufumana ingeniso yakho epheleleyo. Oku kwahluke kwiholo eliqhelekileyo elincinciweyo elibalalayo ubala ngokubuyisela irhafu. Kubandakanye ukususa iintlobo ezithile zengeniso, njengomtsalane wokugcina imali, kunye nokunciphisa inzala yemali mboleko. Impapasho ye-IRS 590-A (2017) ichaza ukubalwa kweengeniso ezipheleleyo ezichitshiweyo ezichitshiweyo. Ukuba ucinga ukuba unesinye semingcele yokufumana imali yokuncitshiswa, khuluma nomgcini-akhawunti ngenxa yokuba unokube ulunge xa ​​usebenzisa isicelo sokuguqulwa kwengeniso yakho epheleleyo.
Imithetho yokukhupha abathengi abangabandakanywa kwisicwangciso somhlalaphantsi emsebenzini wabo, njengowama- 401 (k) okanye 403 (b) kunyaka werhafu 2017:
Umntu ongatshatanga, iNtloko yeMakhaya, okanye umhlolokazi oFanelekileyo (er) : Akukho mda wokunciphisa intela ngokusekelwe kumvuzo ongezantsi olungisiweyo. Unako ukususa yonke iminikelo ukuya kwisixa somda wakho wenkxaso.
Umtshato ozaliswa ngokubambisana okanye ngokwahlukileyo kunye nomfazi osenokungafihliwe yiSicwangciso soMhlala-phantsi emsebenzini: Akukho mda wokunciphisa intela ngokusekelwe kwimali engenayo echitshiweyo. Unako ukususa yonke iminikelo ukuya kwisixa somda wakho wenkxaso.
Utshatile Ukuzalisa Ngokubambisana Nomfazi Oya Kufunyaniswa Ngesicwangciso Sokuthatha Umhlala-phantsi emsebenzini: Ukufumana imali engaguqukiyo engama-186,000 okanye ngaphantsi kunelungelo lokunciphisa ngokupheleleyo ukufikelela kwisixa somrhumo wakho wenkxaso. Phakathi kwe-186,000 kunye ne-196,000 yee-196,000, ukuncitshiswa kweerhafu onokuyithatha kuyaphumelelwa ngexabiso eliphantsi kwaye liphantsi ukuya kufikelela kwii-196,000 zama-dollar, ngelo xesha, awukwazi ukuthatha nayiphi na imali eyancitshiswayo yerhafu yakho ye-IRA.
Imithetho yokukhutshwa kwabatyalomali abafakwe kwisicwangciso somhlalaphantsi emsebenzini wabo, kunyaka werhafu 2017:
Ongatshatanga okanye iNtloko yoMakhaya : Ingeniso ehlawulisiweyo yokulungiswa kwemali engama-62 000 okanye ngaphantsi iyakwenza ukuba unike yonke iminikelo yenkcubeko ye-IRA ukuya kumda wakho wenkxaso. Ukuba ufumana imali engaphezulu kwama-62,000 wamawaka kodwa ungaphantsi kwee-72,000 zamaRandi, unokuthi uthathe ixabiso lokutsalwa kweerhafu. Ukuba ufumana i-$ 72,000 okanye ngaphezulu, awukwazi ukuthatha nayiphi na intsalelo yegalelo lakho lemveli ye-IRA.
Umtshato ozaliswayo kunye noMhlolokazi oFanelekileyo (er): Ingeniso engaguqukiyo ehlawulisiweyo ye-$ 99,000 okanye ngaphantsi iyakulungele ukukrazula yonke iminikelo ye-IRA yangokwakho kwimida. Ukuba ufumana imali engaphezulu kwama-99,000 wamawaka kodwa ungaphantsi kwe-$ 119,000, unokubamba i-tax deduction. Ukuba ufumana i-$ 116,000 okanye ngaphezulu, awuyi kubanga naliphi na ukuncitshiswa kweerhafu kwigalelo lakho lemveli ye-IRA.
Umtshato ozaliswayo ngokwahlukileyo: Ingeniso epheleleyo ehlengahlengisiweyo engaphantsi kwama-$ 10,000 inika ilungelo lokuncitshiswa kwentela kwigalelo lendabuko ye-IRA. Ingeniso ye-R10 000 okanye ngaphezulu kuthetha ukuba awukwazi ukuthatha nayiphi na inqununu.
Kwiimeko zombini, ukuba uyifake iirhafu zakho ngokwahlukeneyo kwaye awuzange uhlale kunye neqabane lakho nanini na kunyaka odlulileyo, i-IRS iya kukuvumela ukuba usebenzise imithetho "engatshatanga" ukucacisa ukulungiswa kwetyala lomdabu we-IRA.