Abantu ngabanye bangakwazi ukugcina i-$ 18,000 nge-457 isicwangciso sembuyekezo esichaziweyo.
Ngomnyaka we-2017, abantu banokufaka isandla kwi-18,000 eyi-18,000 njengokhetho lokukhetha umqeshi we-457 umqeshi. Ukongezelela, abathathi-nxaxheba abaneminyaka engama-50 okanye ngaphezulu bangabamba i-$ 6,000 eyongezelelweyo njengegalelo lokubamba.
Igalelo elipheleleyo kwisicwangciso se-457 asikwazi ukudlulela i-100% yembuyekezo yomqeshwa yonyaka.
| 457 Isicwangciso seNgeniso yeMida ngoNyaka | ||||
| Unyaka | Ukukhethwa kweMivuzo yokuPhathwa kweMvuzo | Iminikelo yokubambisa ukuba uneminyaka engama-50 okanye ngaphezulu | Umyinge weNkcazo yokuSebenza kwabasebenzi bonke | Umthombo |
| 2017 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2016-141 |
| 2016 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2015-118 |
| 2015 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2014-99 |
| 2014 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2013-86 |
| 2013 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2012-77 |
| 2012 | $ 17,000 | $ 5,500 | $ 22,500 | IR-2011-103 |
| 2011 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2010-108 |
| 2010 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2009-94 |
| 2009 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2008-118 |
Umlinganiselo wegalelo we-457 usetyenziswa kuzo zonke izicwangciso ezingama-457 onokuba nazo kulo nyaka okhoyo. Ukuba usebenza kwimisebenzi emibini okanye ngaphezulu okanye utshintshe imisebenzi phakathi konyaka, unokufuna ukulandelela isicwangciso sakho se-457 uqobo lwakho ukuqinisekisa ukuba ungancedi ngaphezu komda.
Kubantu abaceba ukufaka isandla esiphezulu esivunyelwe, kungase kube lula ukuphula umyinge wonyaka ukuya kumaxabiso edoli alinganayo ngexesha lokuhlawula.
Ngaloo ndlela, uza kusindisa inani elifanayo lexesha lokuhlawula kwaye uza kuba yindleko-dollar- investment in investment your investment.
457 Iimvume zeMvume IAkhawunti zeRoth ezikhethiweyo
Ukususela ngo-2010, abaqeshi bavumelekile ukuba banikeze ii-akhawunti ze-Roth ezikhethiweyo ngaphakathi kwezi-457 ezicwangcisiweyo zokucwangcisa izicwangciso. Ngaphambili, iiplani ezingama-457 zigcinwe kuphela ngeakhawunti ezichazwe ngerhafu.
Umthetho we-Small Business Jobs Act ka-2010 wenza ukuba abaqeshi bahlaziye isicwangciso sabo sokuvumela abasebenzi ukuba babeke i-akhawunti yabo ye-Roth emva kwentlawulo yerhafu kunye nokuvumela abasebenzi ukuba baguqulwe imali yabo yokubambisa irhafu kwiRoth.
Ukunikela kwi-457 no-401 (k) okanye 403 (b) Izicwangciso
Abanye abaqeshi banikela isicwangciso secandelo 457 kunye ne-401 (k) icebo okanye 403 (b) isicwangciso sabasebenzi babo. Kule meko, abaqeshwa banokufaka isandla kwizinga eliphezulu zombini kwizicwangciso zombini.
Iimpawu ezibhekiselele kwiWebhsayithi ye-IRS:
- Izicwangciso zeMbuyekezo ze-IRC 457
- Izihloko zomhlala-phantsi - 457 (b) Imida yeeNkxaso
- I-IRS ivakalisa i-2017 Pension Plan Limitations (IR-2016-141)
- Ingaba Unemivuzo Kangakanani xa Unokulungelelaniswa ngaphezu kweSicwangciso esisodwa somhlalaphantsi?