Ukufumana Uhlobo Olufanelekileyo lweAkhawunti yoMhlala-phantsi kwiiNtswelo zakho
Isingeniso esifutshane kwiintlobo ezahlukeneyo ze-IRAs
E-United States, igama elithi IRA limela "i-akhawunti yomhlalaphantsi ngamnye". IRA ayikho uhlobo lotyalo-mali, luhlobo lwe-akhawunti. Ukuba uvula i-IRA kunye ne- firmware , ungayifaka imali kwi-IRA yakho kwaye usebenzise imali leyo ukuba utyalomise kwiisitokisi , iibhondi , iimali eziphathekayo , i- real estate kunye nezinye iiklasi ze-asethi.
Kukho iintlobo ezininzi ezahlukeneyo ze-IRAs, ngasinye sineenzuzo ezikhethekileyo, i-cons, imithetho yerhafu, kunye neefirks. Iingenelo zinjalo kumnandi; ICongress yayifuna ukuyigcina i-poor class and middle class. Ukufezekisa le njongo, ibeka imida yegalelo ye-IRA ebeka umda wemali entsha ongayongeza kwi-akhawunti ngamnye ngonyaka. Ngaphandle koko, isityebi esiphambili singasigxotha yonke into enokubakho kwi-akhawunti kwaye ukhuphe iirhafu ngokupheleleyo.
Ezinye zeentlobo eziqhelekileyo ze-IRA ziquka:
- IRAs zendabuko : I-IRA yeNdabuko ngumhlobo omdala kunabo bonke. Unomnikelo wenkxaso yemali kwaye ufumana ukuncitshiswa kweerhafu. Imali kwi-akhawunti ikhuselwe kwiirhafu uze uyikhuphe, mhlawumbi amashumi eminyaka kwixesha elizayo. Okukuvumela ukuba ugcine izihlawulelo zakho, inzuzo eyinkunzi, inzala engenayo, kunye neendleko ngaphandle kokuba uthumele imali kwi-IRS, obangela ukuba imali eninzi isebenzele yona. Xa uthabatha imali ngaphandle kwe-akhawunti, uhlawula irhafu kuyo njengokuba kukhokhelwa. Ezi zihoxiso zibizwa ngokuba yi-IRA. Ukuba uthetha kwiqanda lakho lembande ngaphambi kokuba ube neminyaka eyi-59.5 ubudala, uya kufuneka ukhokhe irhafu yentlawulo ye-10% ngaphezulu kweerhafu ezifanelekileyo. Kufuneka uqale ukukhangela imali xa uneminyaka engama-70 okanye ngaphezulu. Umda we-IRA weMveli ubeka kwii-5 500 zamaRhafu ngonyaka werhafu ka-2016. Emva koko, i-indexed for inflation in increments of $ 500. Ingaba ungayisebenzisa inzuzo yentlawulo exhomekeke kwingeniso yakho epheleleyo. Ukuba uneminyaka engama-50 okanye ngaphezulu, unokwenza igalelo elongezelelweyo kwi-IRA ngaphezulu nangaphezulu kwemida. Ezi ntlawulo ezongezelelweyo ziyaziwa ngokuthi "iminikelo yokubamba."
- I-Roth IRAs : Evezwe kuMthetho woNcedo lwabaThengi nge-1997, i-Roth IRA iyinkqubo engcono kakhulu kune-IRA yeNdabuko. Ikuvumela ukuba ube negalelo lemali kodwa awuyi kufumana irhoxiso yerhafu ngelixa legalelo. Nangona kunjalo, imali ikhula kwi-akhawunti yerhafu, kwaye xa ufikelela kwiminyaka engama-59,5 okanye ngaphezulu, ungaqala ukuthatha ihoxiswa. Inxalenye engcono? Ngaphantsi kwemithetho ekhoyo, awuyi kuba neerhafu enye kwiirhafu nakwephi na ubutyebi obanjelwe kwiRoth IRA yakho. Oku kuthetha ukuba ufumana i-Starbucks IPO elandelayo kwaye uguqule utyalo-mali lwama-$ 100,000 kwi $ 7,500,000, konke akunakho irhafu. Imida kwiRoth IRA iyafana nalabo abakwi-IRA yeNdabuko; i $ 5,500 ngonyaka werhafu 2016 kwaye iya kunyuka ngexabiso lentengo kwi-increment $ 500 emva koko. Njengoko i-IRA yeNdabuko, abatyali-mali abaneminyaka engama-50 nangaphezulu bangafaka imali engaphezulu kunabalingane babo abasebancinini ngokusebenzisa amathuba okubambisa . Umgca? Kukho umda wembuyekezo kwiRoth IRA. Akuyena wonke umntu ofanelekileyo. Ezi ziguqho ngonyaka qiniseka ukuba uhlole i-IRS.
- I-SEP-IRA: I-SEP-IRA igxile kwi-Akhawunti ye-Pension ye-Employee Pension Individual Retirement. Imithetho iyinkimbinkimbi kakhulu, kwaye ihlala isetyenziswa ngabanikazi boshishino abaqeshwe ngabanye abanabasebenzi abambalwa okanye abangabikho. Ngokona nxalenye, iinqwelo ze-SEP-IRA zifana nezixhobo eziqhelekileyo njenge-IRA yeNdabuko kuphela ngemida engaphezulu. Ngaphantsi kweemeko ezifanelekileyo, kunye nerenti ephezulu ngokwaneleyo (i-$ 250,000 ukuya kwii-500,000 zamawaka), isibini esitshatileyo esinebhizinisi eliyimpumelelo singenza igalelo elidibeneyo lama-100,000 okanye ngaphezulu kwinyanga yerhafu. Imali ayikwazi ukurhoxiswa kwangaphambili, kwaye kufuneka uqale ukuthatha imali xa uneminyaka engama-70 ubudala.
- IRA elula : I-IRA elula uhlobo lwesicwangciso somhlala-phantsi esisetyenzisiwe ngabanini bamashishini abancinci. Ngo-2015, umda wegalelo we-IRA yi-$ 12,500, kwaye abo abangama-50 okanye ngaphezulu bangabamba i-$ 3,000 eyongezelelweyo, beza nomrhumo wabo wenkxaso kwi $ 15,500. Ngokwinkimbinkimbi, i-IRA elula ihla phakathi kweMveli kunye neRoth IRA ngakwesinye icala kunye ne-SEP-IRA kwenye.
Unako Ukufumana Uninzi Kuye IRA
I-IRA yeNdabuko kunye nemida yeRoth IRA iyahlanganiswa. Oko kukuthi, unokwenza igalelo le-5 500 lemali kwisonke ngonyaka werhafu 2016 kunoma yimuphi umxube we-IRA yendabuko kunye neRoth IRA oyifunayo, kodwa awukwazanga ukubeka i-$ 5,500.
Kuphantse kulunge ukuxhaswa iRoth IRA kune-IRA yeNdabuko ukuba ufanelekile.
Kodwa ke unako i-SEP-IRA okanye i-IRA elula phezu kwe-Traditional IRA okanye iRoth IRA. Kufuneka uxoxe nomgcini-mali ongenamanani ukubala imida yakho yenkxaso kwaye ufumene inani eliphezulu leendawo zokuhlala zentela onokuzifumana.