Funda ukuba Unokulondoloza bunjani kwi-SEP IRA ngo-2018
I-SEP IRAs inikezela amandla okwenza igalelo ehlawulwa irhafu kunye nemali engenayo ikhula ihlawulwe irhafu.
Iminikelo kwi-SEP ithathwa njenge-asethi yendabuko ye-IRA kwaye ngenxa yoko ixhomekeke kwimithetho efana ne-IRAs yendabuko. I-SEP IRAs inikezela ngemali yokuguquguquka kwemali ukususela kunyaka omnye ukuya kwinto efanelekileyo. Ukuba ishishini lakho linomnyaka we-stellar, ungasebenzisa umlinganiselo wemigangatho ephakamileyo. Ukuba ngumnyaka onzima, unokukhetha ukuba ungenzi umnikelo kunoma yimuphi unyaka onikeziweyo.
I-SEP IRA Imirhumo yoNyaka ngo-2018
Enye yezinto ezikhangayo kakhulu ze-SEP IRAs yimiqathango ephezulu yokunikela. Zonke iminikelo ze-SEP ze-IRA zibhekwa njengegalelo lomqeshi. Ukuba uthatha isigqibo sokuseka i-IRA ye-SEP, unokufaka isandla kwi-25% yomvuzo wakho wonyaka wonyaka okanye i-20% yengeniso yakho yonyaka yokuqeshisa ingqesho. Iminikelo ye-SEP ye-IRA ayikwazi ukugqithisa i-$ 55,000 engama-201,000. Ngaloo mali iyancipha ngokukhawuleza ukusuka kwimingcele ye-2017 (i-54,000 zamaRandi) kwaye iza kuxhomekeka kwiindleko ezizayo zokulungiswa kokuphila.
Ngokuxhomekeke kwingeniso yakho yangempela, umlinganiselo we-SEP we-IRA unokuba mkhulu kunemida ye- Akhawunti yoMhlala-phantsi (i-IRA) ye-$ 5,500 ngo-2017 no-2018 (i-$ 6,500 iminyaka eyi-50 okanye ngaphezulu). Qhathanisa i-SEP ye-IRA imida ukuya kuma- 401 (k) umda wenkxaso kubasebenzi abangama-18,500 ayi-$ 18,500 ngo-2018 (i-$ 24,500 iminyaka eyi-50 okanye ngaphezulu).
Ngokungafani ne-IRAs kunye nama-401k, i-SEP IRAs ayiniki naziphi na izibonelelo zokubamba. Kodwa iindaba ezilungileyo kukuba imida yokunika inkxaso isele ikhulu kakhulu.
Ukubala Ingeniso Yakho Yokuhlaziywa Kwe-Self-Employment Income
Abantu abaninzi abaziqhelayo bazi ukuba kunzima kangakanani ukuqonda ikhowudi yentlawulo yengeniso. Ukubala ukuba unokuba negalelo elingakanani kwi-SEP IRA ifuna ifom ekhethekileyo. Unako ukubala imali yakho yokufumana ingeniso yenzalo ngokuchonga imali engenayo kwaye uthabathe iindleko zoshishino (kuquka igalelo lakho le-SEP IRA). Isinyathelo sokugqibela kukukhupha isahlulo somvuzo wakho wokuqeshwa.
I-Vanguard inikezela i-calculator ewusizo ekuncedeni ukuba unikwe igalelo lakho eliphezulu kwi-SEP IRA. Nangona kunjalo, kucetyiswa ukuba ubonisane nomcebisi werhafu oqeqeshiweyo ukuba unemibuzo eyongeziweyo malunga nokuba unako ukufaka isandla kwi-IRA ye-SEP.
Ngokwe-IRS, unokwenza igalelo ye-IRA ye-tax deductible ye-tax-deductible kwi-SEP-IRA ukuba isicwangciso sakho sivumela iimpepha ezingezizo ii-SEP. Nangona kunjalo, amandla okubamba loo mivuzo ingancipha ngenxa yokuthatha inxaxheba kwi-SEP (jonga imida ye-IRA ye-2017 ).
Imihla yokugqibela ye-IRA ye-2018
I-SEP IRAs inikeza ithuba lokugcina imali elincinci lokugqibela lokunciphisa irhafu ukwenzela ukunciphisa umrhumo wakho werhafu njengomnini-shishini.
Ukuba usebenza ngokuzimeleyo okanye ungumnini shishini elincinci, i-IRA ye-SEP kufuneka imiswe ngoluhla lokugqibela lokufaka intela yenkampani (kunye naluphina izandiso) kunyaka werhafu apho igalelo elifanelekileyo lenziwe. Umzekelo, irhafu yokugqibela yokufakela irhafu yabanini-shishini abaninzi kunye nabanikazi bamashishini amancinci ngonyaka we-2018 ngo-Apreli 15, 2019. Ukucela ukwandiswa kuya kwandisa ixesha lokugqibela lokufakela irhafu ukuya ku-Oktobha 15, 2019. Kubalulekile ukukhumbula ukuba ukufakela isandiso anganikezeli isandiso sokuhlawula nayiphi na irhafu ekugqibeleni ihlawulwe.
Ngaba ufuna i-SEP Imida ye-IRA ngonyaka we-2017? Iminikelo ye-SEP ye-IRA ingenziwa kunyaka odlulileyo kude kube yerhafu yokufakela irhafu ngomhla ka-Ephreli 17, 2018. Ukufakela isandiso kuya kukuvumela ukuba ulibale ukuthumela ukubuyiswa kweerhafu kude kube ngu-Oktobha 17, 2018. Uza kuba nexesha lokuseka i-SEP ye-IRA kwaye wenze igalelo le-SEP ye-IRA de kubekho ukuhlawula irhafu.
Qinisekisa ukuba uyazisa umgcini we-IRA ukuba adibanise umrhumo wonyaka owedlule (2017) ukuba oko kuyinjongo yakho.
Ngaba unomdla wolwazi olungakumbi malunga nendlela ongayilondoloza ngayo umhlalaphantsi njengomntu oziqeshwe okanye umnikazi webhishini elincinci? Kukho ezinye izicwangciso zokuthatha umhlala-phantsi kumashishini amancinci kunye nabantu abaqeshwe ngabanye, njengama- SIMPLE IRAs , ngamnye okanye yedwa 401 (k), iiKeghs, okanye i-401 (k) yama-shishini amancinane. Kunengqiqo ukuqhathanisa bonke ngaphambi kokugqiba ukuba ngubani na onelungile.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.