Fumana indlela ongayifaka ngayo kwi-SEP IRAs kuMnyaka weRhafu 2013
I-SEP IRAs, okunye eyaziwa ngokuba yinkxaso-phantsi yomntu ngamnye yecala lomhlala phantsi, i-akhawunti ye-retraite yabanikazi abancinci okanye abatsha-bhishini. Banikeza umda ophezulu wegalelo kunamacandelo amaninzi omhlalaphantsi-kwaye ezo maximum ziphakamileyo ngo-2013.
Ukuba wenza irhafu yakho ngo-2013, jonga i-SEP Imida ye-IRA yonyaka werhafu 2012.
I-SEP IRA Imirhumo yemigangatho 2013
Unokufaka isandla kwi-25% yomvuzo wakho wonke okanye i-20% yengeniso yakho yonyaka ehlengahlengisiweyo kwi-SEP IRA, ukuya kumda we $ 51,000 ngonyaka werhafu 2013.
Oku phantse kabini umda we-401 (k) abatyalo-mali. Ngo-2013, unokubeka i-$ 17,500 kwi-401 (k) okanye 403 (b). Faka i $ 5,500 eyongezelelweyo xa uneminyaka yobudala engama-50 okanye ngaphezulu kwaye unelungelo lokufumana inkxaso. Akukho mnikelo wokubambisana kunye ne-SEP IRA. Sekunjalo i-SEP inikezela imali eninzi yokugcina umhlalaphantsi.
Kodwa nangona ukuba akudingeki ukuba ushiye loo nto, i-SEP IRA ingaba isicwangciso esihle kuwe. Ukuba ufumene ingeniso yenkxaso yenxalenye ngaphezu komsebenzi wakho wesikhathi esigcwele, unako ukufaka isandla kwi-SEP kunye no-401 (k) ngexesha elinye. Uthabatha i-SEP deduction ye-SEP njengento ephezulu yokuncitshiswa komgca, oku kuthetha nangona ungayifumani ukuba ungayikhupha i-SEP yakho. Awunayo ukubeka imali kwi-SEP yakho ngonyaka. Ngoko kulapho xa ufuna, kodwa akukho mfuneko yenkxaso xa ungenayo.
I-SEP IRA isebenza njani?
Ngeendlela ezininzi, i-SEP IRA injengeyiphi enye iRA okanye 401 (k) icebo . Imali efakwa kwi-SEP IRA inokutshalwa imali yerhafu-mali ize ihoxiswe kumhlalaphantsi, iqala emva kweminyaka yobudala engama-59 / 1/2 kwaye ingadlulanga iminyaka engama-70 / 1/2.
Ukuba imali ihoxiswa ngaphambi kweminyaka yobudala engama-59 / 1/2, ilawulwa yintlawulo yehlawulo ye-10% kunye nayiphi na irhafu yentlawulo.
Xa Unokuvula I-IRA IRA?
Ungakwazi ukuvula lula i-SEP ye-IRA ngaphambi kokufakela irhafu yakho, kwaye uthathe inqununu kuloo nyaka werhafu. Oku kuthetha ukuba unokwenza igalelo le-2013 kwi-SEP IRA ukuya ku-Apreli 15, 2014, okanye nangomhla we-Oktobha 15, 2014, ukuba ukongezwa kufakwe.
Unokufaka imali kwi-SEP nganye ngenyanga, ngekota okanye enye ngonyaka. Ixesha eliphezulu liphezulu kuwe. Ukufumana ingeniso yakho engenayo yokufumana ingqesho, uthathe ingeniso yakho yonke, ususe iindleko zoshishino (nangobuqhetseba: iminikelo ye-SEP IRA yinxenye yale ndleko) kwaye isusa isahlulo somvuzo wengqesho.
I-SEP IRA Iminikelo yabasebenziUkuba unabasebenzi, i-SEP IRA ifumana ubunzima ngakumbi. Abaqeshi bafuneka ukuba banikele ipesenti yomvuzo olinganayo kuwo wonke umsebenzi. Ngoko ukuba ukhetha i-SEP ngenxa yemida ephakamileyo yokunikela kunye negalelo le-20% yengeniso yakho, abasebenzi bakho kufuneka benze okufanayo. (Abaqeshwa apha baquka abo badala kuneminyaka engama-21, abenze ngaphezu kwe-$ 550 ngo-2013, kwaye bakwenzele ubuncinane iminyaka emithathu elandelelanayo kwiminyaka emihlanu edlulileyo-nangona kunokubakho ukufunyanwa kwamalungu omanyano.)
Ngaba kufuneka ugalele kwi-IRA ye-SEP? Kuxhomekeke kwishishini lakho. Ngenye yezinto ezikhethileyo zokuthatha umhlala-phantsi ozikhethile ukuba unobomi bodwa, okanye wenze isivumelwano okanye umsebenzi wokubonisana. Njengoko ishishini lakho liba nzima ngakumbi, i-SEP ingaba nzima nakakhulu.
Ezihlobene:
ISIMPLE IRA Limits 2012
ISIMPLE IRA Limits 2013
Umlinganiselo weRhafu wokuHlalwa koMhlala-phantsi oSebenza ngokuzimeleyo ngo-2013
Ukubhengezwa: Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanele kube sisiseko senu sotyalo-mali okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.