I-SEP-IRAs-Isicwangciso seRhafu sokuSebenza esibalulekileyo

I-SEP-IRA ingaba yindlela enhle yokuba umntu oqeshwe ngokuzimeleyo angasindisa umhlalaphantsi.

I-SEP-IRA (i-Pension Employee Pension) ivumela abaqeshi ukuba benze isicwangciso somhlala-phantsi somsebenzi kubasebenzi bayo. Ukongezelela, abantu abaqeshwe ngabanye bangenza kwaye baxhaswe isicwangciso somhlala-phantsi se-SEP-IRA. Ukuqhathaniswa nesicwangciso esaziwayo kangcono 401 (k) , imida yokuphakamisa iphakamileyo kunye kunye nobunzima obunzima kakhulu yi-SEP-IRA.

Ngubani onokumisela i-SEP-IRA?

Nabani na umqeshi angasungula i-SEP-IRA, kubandakanywa i-proprietorships yodwa, intsebenziswano kunye namashishini angabandakanywanga.

Umntu onemivuzo evela kwi-self-employment angenza i-SEP-IRA, nokuba naye ungumqeshwa kwenye indawo ejongene nesicwangciso somhlalaphantsi somsebenzi.

Iinzuzo ze-SEP-IRA

Ukongeza kwi-SEP-IRAs inzuzo eyimfuneko njengendlela yokugcina umhlala-phantsi yokugcina umhlala-phantsi, i-SEP-IRA inokubonelela ngeenzuzo ezinkulu zerhafu. Iminikelo kwi-SEP-IRA inikezela ngokuncitshiswa kwentela kumqeshi (okanye umntu oqeshwe ngabanye) kunyaka werhafu apho igalelo lonyulwe khona.

I-SEP-IRAs ayinakho imfuneko yokufakela i-IRS yonyaka. Njengobu bungqina bobunzima babo, amaphepha afanelekileyo ekumiseni i-SEP-IRA ayilona nto.

Iingxelo ze-SEP-IRA ezibalulekileyo

Njenga- IRAs eziqhelekileyo kunye neeRoth IRAs , iminikelo kwi-SEP-IRA ingenziwa emva konyaka apho igalelo lisebenza khona. Ukongezelela, umhla wokugqibela we-SEP-IRA ungadluliselwa ngokukhawuleza njengoko umhla wokuhlawula irhafu.

Umhla wokugqibela wokudala i-SEP-IRA yinto efunekayo yokubuyisela irhafu kunye naluphi na uphando.

Kubantu abaninzi, i-SEP-IRA kufuneka imiswe kunye neminikelo eyenziwe ngo- Aprili 15 emva komnyaka inzuzo eyayifumana. Ngaphezu koko, abaninzi abahlawuli berhafu banokunyusa iintlawulo zabo zerhafu ngokukhawuleza ngo-Oktobha 15 kwaye banokufumana ukongezwa kwexesha ukudala nokuxhasa i-SEP-IRAs zabo. Umhla wokugqibela wokwenza igalelo le-SEP ye-IRA yonyaka werhafu ka-2017 ngo-Apreli 17, 2018 (Oktobha 15, 2018 ngumlinganiselo wokugqibela ).

I-SEP-IRA Imigaqo-mali

Kukho ukuguquguquka okukhulu kwimeko ofaka kuyo kwi-SEP-IRA yakho. Kukho okuncinci kancinci kubani obanikela kulo.

Ekubeni umrhumo wegalelo unokumiselwa rhoqo ngonyaka, akukho mbopheleleko wenkxaso yonyaka yemali ethile okanye ipesenteji. Kunyaka nawuphi na unyaka, umrhumo wegalelo unokuba ngu-0% ukuya ku-25% wembuyekezo (ukuya kumda we-$ 275,000 umvuzo ovumelekileyo ngowama-2018), ngaphandle kokuba igalelo elipheleleyo kumntu omnye lingadluli kuma-54,000 wama-201,000 ngo-2017 kunye ne-55,000 zamawaka ngo-2018.

Ngokuxhomekeke kwingeniso yakho yangempela, umlinganiselo we-SEP we-IRA unokuba mkhulu kunemida ye- IRA ye-R5,500 ngonyaka ka-2017 no-2018 (i-$ 6,500 iminyaka eyi-50 okanye ngaphezulu). Ngokuqhelekileyo kubulumko ukuthelekisa imida ye-SEP ye-IRA ukuya kuma- 401 (k) umda wegalelo kubasebenzi abangama-18,500 ayi-$ 18,500 ngo-2018 (i-$ 24,500 iminyaka engama-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.

Ukuze uthole iinkcukacha ezingaphezulu kwiimfuno ze-IRA ze-IRA, jonga i- SEP IRA Limits kunye nemihla yokugqibela .

Qaphela: Umqeshi kufuneka abe negalelo elifanayo kwipesenti kuwo wonke umsebenzi oneminyaka engama-21 ubudala, athathe i-$ 600 okanye ngaphezulu kunyaka obhekene nawo, kwaye wasebenza umqeshi ubuncinane kwiminyaka emihlanu edlulileyo.

Uhlawulo lweMbuyekezo

Abantu abaqeshwe ngabanye abanqwenela ukubala kwaye mhlawumbi bahlawule igalelo elivumelekileyo le-SEP-IRA kufuneka balungiselele ukukhangela ikhanda. Okokuqala, umda wokuba u-25% okhankanywe ngaphambili ukhankanywe ngenzuzo , kungekhona imali engenayo. Okubaluleke ngakumbi, ukwehliswa kwesahlulo seerhafu yengqesho kunye nokuncitshiswa kwegalelo le-SEP-IRA ngokwayo kufuneka kususwe kwinani lenzuzo ngenjongo yokubala umda we-SEP-IRA.

Nantsi i-calculator yokunika inkxaso enokuthi ingasetyenziselwa ukuchonga umrhumo wonyaka ophezulu kwi-SEP IRA. Nangona kunjalo, kwimiba ebalulekileyo yerhafu njengale nto kucetyiswa ukuba ubonisane nomcebisi werhafu wengcali ukuba unemibuzo eyongeziweyo malunga negalelo elipheleleyo lilingana ne-SEP IRA.

I-IRS inikezela uludwe luncedo lwe-SEP IRA resources ezihlobene ne-IRS.gov.

I-SEP IRAs enye yeendlela ezininzi zokulondoloza irhafu kubani abashishini abancinci ukuba baqwalasele. Ukuqonda esi sicwangciso somhlala-phantsi esibalulekileyo singasetyenziselwa ukunciphisa irhafu nokuphucula umbono wakho wokuthatha umhlalaphantsi.

Ukuhlaziywa nguScott Spann