Indlela yokusebenzisa imigaqo yokuhlawula irhafu encinci ngo-2016.
- Ingeniso engaphantsi; ngaphantsi kwe-$ 75,300 etshatileyo, i-$ 37,650 engatshatanga
- Ulahlekelwe ngumsebenzi okanye uthathe umhlalaphantsi ngaphambili konyaka
- Uhlala umhlala-phantsi ngasekupheleni konyaka okanye ungathatha umhlalaphantsi nyaka ozayo
- Ingeniso ephakamileyo; $ 200,000 okanye ngaphezulu
- Ubuneminyaka engama-63 nangaphezulu
- Ukufikelela kwiminyaka eyi-70
Fumana icandelo (s) elisebenza kuwe kwiingcebiso zokucwangcisa irhafu zonyaka.
1. Imali ephantsi
Ukuba ingeniso yakho engenayo (eyinzuzo emva kokuncitshiswa kunye nokuxolelwa) kungenzeka ukuba ingaphantsi kwe-$ 75,300 eyitshatileyo, okanye i-$ 37,650 engatshatanga, ngoko usebenzise inzuzo yesahlulo se-zero kunye nezinga elizuziweyo lexesha elide lokuzuza. Nantsi indlela. Ukuba unamasheya okanye imali kwi-akhawunti engekho yomhlala-phantsi unako ukukwazi ukufumana imali eyinzuzo kwaye ungahlawuli irhafu. Ngo-2016, izinga lokurhafisa kwiingxowa-mali zexesha elide lihlala kwipesenti zee-10 kwiibhola ezi-10% kunye ne-15%.
Kwenziwe ntoni? Uya kufuneka wenze ukuhlaziywa kwentela ukuqikelela ukufumana ingeniso yakho engenayo kunye nokuzuza kwemali phambi kokuqala nangemva kwayo nayiphi na inguqu ekulindelekileyo. Ukuba kukho indawo yokufumana imali eyongezelelweyo yentlawulo engayi kubakho irhafu, unganqikazi. Qaphela i ngeniso.
Isaziso 1: Unokusebenzisa kuphela le nto ukuze ufumene inzuzo kwimali "igcwalisa" i-bracket eyi-15%. Ngokomzekelo, njengomfaki otshatileyo, ukuba unayo imali engama-50,000 engeniso ehlawulwayo, ekushiya igumbi malunga ne-25,300 zamaxabiso ezide ezide ezide zingaphumelele kwizinga lepesenti zero.
Isilumkiso sesi-2: Ukuba unayo imali elahlekileyo ukusuka kwiminyaka edlulileyo, inzuzo yakho yonyaka ekhoyo iya kusebenzisa loo malahleko kuqala oko kuthetha ukuba awuyi kusebenzisa ngokwenene ipesenti zerhafu inzuzo yexabiso lentlawulo. Kule meko, akunakunceda ukufumana iingeniso. Unokufuna ukugcina ezo ilahleko zokusetyenziswa ngokuchasene neenzuzo ezizayo eziza kuhlawulwa kwizinga eliphezulu.
Eyona ndlela ilungeleyo : Ukuzuza ngokuzenzakalayo ukuba uya kuba ngaphakathi okanye phantsi kwe-bracket eyi-15% kwaye akukho mali elahlekileyo . Ukuqonda ngenjongo yokufumana inzuzo kunokubandakanya ukutshintshisana, njengokutshintshana enye ye-S & P 500 yesitampu sekhoksi yesitokethi enye ye-S & P 500 yeskredithi yesitampu.
2. Ulahlekelwe nguYobhi okanye umhlalaphantsi ekupheleni konyaka
Ukuba ulahlekelwe ngumsebenzi okanye uthathe umhlala-phantsi ekuqaleni konyaka unako ukufumana imali encinci yerhafu yonyaka, ingakumbi ukuba uthe wahlutha. Kule minyaka ucinga ukuguqulwa kweRoth.
Kwenziwe ntoni? Iminyaka engenayo engenayo ingakhokelela kwingxaki yerhafu apho unemithwalo ethe xaxa kuneniso. Ngaloo minyaka unako ukuguqula isahlulo se-IRA yendabuko kwiRoth kwaye ungahlawuli irhafu. Uyakuguqula isixa esaneleyo ukulinganisa inani lokuncitshiswa onalo, ukushiya ingeniso yakho yerhafu kwi-zero. Okanye ukuba ukulindele ukuba ube kwi-bracket ethe xaxa emva komhlalaphantsi, unokufuna ukuguqula ngokwaneleyo ukuzalisa i-brackets ye-10% okanye i-15% yentela. Uya kuvulela kuphela eli thuba ngokucwangcisa ukuphela kwentlawulo ngaphambi komhlaka-31 Disemba.
Eyona ndlela ihamba phambili: Abo bantu abanomvuzo ohlawulwayo ngoku baya kuhlawulwa kwizinga eliphantsi kunokuba baya kuba namava emva komhlalaphantsi.
3. Uhlala umhlala-phantsi emva koMnyaka, okanye uMeyi ususa umhlala-phantsi ozayo kunyaka ozayo
Ukuba uhlala umhlala-mali ngasekupheleni konyaka okanye ucwangciso malunga nokuthatha umhlala-phantsi kunyaka ozayo, unokubona utshintsho olukhulu kwiimeko zakho zerhafu.
Kwenziwe ntoni? Ukuba utshintsho lwemo yakho yengqesho lithetha ibhanki yakho yentela iya kuba sezantsi kunyaka ozayo, unokufuna ukubona ukuba ungayichasa ingeniso okanye ibhonasi kulo nyaka werhafu kulo nyaka ozayo apho ibhakhi yakho yentela iya kuba yinto ephantsi .
Eyona ndlela ihamba phambili: Abo balindele ukuba banomvuzo ophantsi ozayo kunyaka okhoyo.
4. Abazuzi beMali ePhakamileyo
Abo bafumana ingeniso engaphezulu kwama-250,000 amawaka angama-$ 250,000 abatshatileyo, i-$ 200,000 yee-single - qaphela ukukhwabanisa. I- surgery ye-Medicare ichaphazela abazuzi bezinga eliphezulu. I-3.8% yerhafu esebenzayo kwingeniso engafumanekanga ngaphezu kwemingcele ethile. Ukongezelela, abafumana umvuzo ophezulu abanakho ukuxhomekeka kwi-phaseout yemali yokuncitshiswa kunye nokukhululwa komntu.
Kwenziwe ntoni? Unako ukubeka kwakhona ukugcinwa komhlala-phantsi kunye notyalo-mali ukunciphisa ingeniso ehlawulwayo enokubangela ukuba ube phantsi kwe-Medicare surtax.
Umzekelo, ingeniso ye-bond bond kamasipala ayiyi kuba phantsi kwe-surtax.
Ukongezelela, ukukhupha zonke izicwangciso zokulondoloza imali - umzekelo ukuba uqale umsebenzi wonyaka ophakathi unako ukugodla phantse yonke yakho yokuhlawula kwiplani yomhlalaphantsi yenkampani yokuhlolwa kancinci konyaka ukwenzela ukuba ufumane umlinganiselo ophezulu kunyaka - kwaye qinisekisa ukuba negalelo kwi-HSAs - okanye nayiphina iiplani ezichithwayo ozilungeleyo.
Eyona ndlela iphezulu kakhulu: Abahlawuli berhafu abaphezulu abanenzuzo yokufumana imali engenakukhuselwa kwiakhawunti ehlawulwe irhafu.
5. Umdala wama-63 okanye umdala
Unyaka ngamnye ii- premium ze- Medicare Part B zichongiwe ngokukhangela irhafu yakho yokubuyisela irhafu iminyaka engaphambili. Ukuba unonyaka onomvuzo ophezulu, nokuba ngaba ngenxa yesiganeko esisodwa njengento yokuthengiswa kwepropati, kunokubangela ukuba ii-premium ze-Medicare Part B zibe ziphakamileyo kwiminyaka emibini kamva.
Kwenziwe ntoni? Jonga ukuba kukho indlela yokusasaza inzuzo kunye ne ngeniso ngaphezu konyaka omnye werhafu ukuphepha ukuwela umda we-Medicare Part B kuwo nawuphi na umnyaka. Ukuba bekuyixesha elilodwa nokuba libeka phezu komda, faka isibheno ngoKhuseleko loLuntu uze uchaze ukuba imali yakho engenayo ayinakuphakama njengoko kwakunjalo kulo nyaka.
Eyona nto ibaluleke kakhulu: Abantu abangama-63 okanye ngaphezulu abakulindele ukuzuza i-capital earnings okanye mhlawumbi ixabiso lokuthengisa (ukusuka kweshishini ngokomzekelo) ngubani ongasasaza ukufezekiswa kwemali engenayo ngaphezu kweyodwa yerhafu yonyaka ukuze ahlale phantsi kweNgingqi ye-Medicare Part B.
6. Ukuguqula iminyaka 70
Xa uneminyaka engama-70 ½ kufuneka uqale ukuthabatha ulwabiwo oluncinci olufunekayo kuma-akhawunti omhlala phantsi. Ingeniso eyongezelelweyo yerhafu ingenza kwakhona inzuzo yakho yeNtlalo yeNtlalo ngokuxhomekeka kwerhafu. Oku kubangela ukuba abantu abaninzi abaqala ukufunwa kwemigangatho emncinci bayabanjwa ngokugqithiswa ngumrhumo omkhulu werhafu elindelekileyo.
Kwenziwe ntoni? Qinisekisa ukuba unqande inani elifanelekileyo lentlawulo kwi-IRA yakho yokusasazwa. Ukucwangciswa kwentlawulo yokugqibela yonyaka kuya kukunceda ukuba uqikelele ngokuchanekileyo ibhilikhi yakho entsha yentela ukwenzela ukuba unomlinganiselo ofanelekileyo werhafu.
Eyona ndlela ilungeleyo: Nabani na oqala isabelo sabo esincinci esincinci sokuqala.