Indlela Ukulondoloza Umhlala-phantsi Ungayinciphisa Imali Yakho Ngetyala
Inkokhelo ye-Saver, eyayibizwa ngokuba yi-Retirement Savings Contributions Credit, inikeza abahlawuli berhafu abaphantsi kunye nabalinganiselwayo abagcina imali ngomhlalaphantsi kunye nekhefu ezikhethiweyo zerhafu.
Oku kwahlukileyo kunokwenyulwa kweerhafu ngenxa yokuba inkokhelo yerhafu iyinciphiso yedola-dollar yokunciphisa ityala lakho elipheleleyo (irhafu yenani lentlawulo onoxanduva lokuhlawula phambi kokuba kukho naziphi iikhredithi ezisetyenziswayo). Inkalo engabuyiselwayo yerhafu yengeniso yerhafu kuthetha ukuba ityala lemali yerhafu liyanciphisa umthwalo wakho werhafu yengeniso kodwa ayinciphisi ibhalansi yakho ngaphantsi kwe-zero.
Ngaba Ufanelekile kwiNkxaso yeMboleko yerhafu?
Ukuze ufanele ukufumana iNkcazo yeNkxaso yoMhlala-phantsi ka-2018 kufuneka ube ubuncinane ubuneminyaka engama-18. Awukwazi ukugcina isimo njengomfundi wexesha elipheleleyo okanye ufunwa njengomxhomekeke kwimbuyekezo yengeniso yomnye umntu. Enye imfuno kukuba kufuneka wenze igalelo elifanelekileyo kwi-IRA okanye isicwangciso somhlala-phantsi oxhaswe ngumqeshi wonyaka werhafu oya kuthi ubhade imali yentlawulo yengeniso.
Yingakanani Inkokhelo Yomgcini weMali oyiTyalayo?
Inani lemali yentengo yerhafu yi-50 ekhulwini, iipesenti ezingama-20 okanye iipesenti ezili-10 zesicwangciso sakho somhlala-phantsi okanye umrhumo we-IRA kwaye kuxhomekeke kwingeniso yakho epheleleyo.
I-Credit Saver's Credit yona inenzuzo ngakumbi kubahlawuli berhafu abaneemali eziphantsi. Isixa esiphezulu semali-mboleko sikwi $ 2,000 ($ 4,000 xa utshatile udibanisa ngokubambisana).
Ngomnyaka werhafu ka-2018, ingeniso yakho epheleleyo ehlengahlengayo kufuneka ibe yi-$ 31,500 okanye ngaphantsi ukufumana ilungelo lokuthenga ikhredithi ukuba isimo sakho sokufakela singatshatanga okanye sitshatile sichitha ngokwahlukileyo.
Intlawulo yerhafu iyasebenza kulabo abafakela njengentloko yezindlu kunye nama-AGI angaphantsi kwama-47,250. Izibini ezitshatileyo ezifakela kunye nama-AGI angama-63,000 okanye ngaphantsi kwe-2018 ziya kufumana i-Credit Sover.
U-2018 Umhlala-mali wokuKhutshwa koMhlala-phantsi
| Ixabiso leMali | Ukutshata Ukutshata Ngokubambisana | INtloko yeMakhaya | Zonke iifriji * |
| 50 ekhulwini lakho legalelo | I-AGI ingabi ngaphezu kwama-38,000 | I-AGI ingabi ngaphezu kwama-28,500 | I-AGI ingabi ngaphezu kwama-19,000 |
| Iipesenti ezingama-20 zegalelo lakho | $ 38,001 - $ 41,000 | $ 28,501 - $ 30,750 | $ 19,001 - $ 20,500 |
| Iipesenti ezili-10 zegalelo lakho | $ 41,001 - $ 63,000 | $ 30,751 - $ 47,250 | $ 20,501 - $ 31,500 |
| 0 ipesenti yegalelo lakho | ngaphezu kwama-63,000 | ngaphezu kwama-47,250 | ngaphezu kwama-31,500 |
* Kubandakanya umtshato ongatshatanga, otshatileyo ohlukileyo ngokufakela ngokwahlukileyo, okanye umfelokazi ofanelekayo (er) wokufakela isimo
Umzekelo: USusan ungumhlawuli werhafu otshatileyo ohambisa intlawulo edibeneyo yentlawulo kunye neholo engenayo ye-$ 38,500. Umlingani wakhe wayengenayo imali engenayo ngo-2018. Ungathanda ukugcina imali yokuthatha umhlalaphantsi kwaye unqume ukunikela i-$ 2,000 kwiRoth IRA ukuba isebenzise ithuba lokukhula kwentlawulo engenako irhafu. USusan unokufaka isicelo semali engama-20 ekhulwini, imali engama-$ 400, ngenxa yegalelo lakhe le-$ 2,000. Ngenye indlela, unako ukwenza inxaxheba echithwayo kwi-IRA yendabuko. Emva kokunciphisa inxaxheba yemveli ye-IRA yakhe i-AGI iya kuncitshiswa ibe ngama-36,500 ayi-$ 500. Kwimeko yesithethe ye-IRA yentlawulo yeerhafu yayiyi-$ 1,000 (ama-50 e-$ 2,000).
Iminikelo yonyaka weRhafu yangaphambili
Njengoko iifayile zokufakela irhafu zendlela yokugcina umhlala-phantsi kwi-IRA yindlela yokugqibela yokugcina umhlala-phantsi kwaye unokunciphisa irhafu yakho (bona i- Last Minute Tax Savings Yokunceda Umhlala-phantsi ). Umrhumo we-IRA wonyaka werhafu ka-2018 unokwenziwa kuze kufike umhla we-Apreli 15, 2019. Ukuba unomsebenzi oqeshwe yi-SEP IRA Igalelo ingandiswa kuze kufike ixesha lokutsalwa kweerhafu.
Ukubeka bucala imali kwi-IRA yonyaka werhafu odlulileyo ngenye yezicwangciso ezimbalwa ezishiywe njengoko iwashi ibhekisela kwingxelo yokugqibela yokufakela irhafu ukwenzela ukunciphisa irhafu yakho ngenkokhelo yentela. Gcina ukhumbule ukuba ukuba unquma ukuba yiyiphi i-IRA eyenza ingqiqo kakhulu imeko yakho kufuneka uhlolisise zonke iingeniso kunye nokungalunganga kwindlela nganye.
Ukuba awukho kwimpumelelo yakho yeminyaka okanye ukulindele ukuba ube kwi-bracket yerhafu ephezulu xa uhlala umhlala-phantsi, unokuyenza ingqiqo eninzi yokuhamba neRoth IRA. Ngakolunye uhlangothi, ukuba ungathanda ukunciphisa ingeniso yakho engenayo i-IRA yendabuko enokudityaniswa ingaba yindlela yokuhamba. (Jonga iMveli kunye neRoth IRA ngolwazi olungakumbi)
Ishati elapha ngentla ichaza imali efumanekayo kwiStver's Credit ngokusekelwe kwindlela oyifake ngayo ukubuyiswa kweerhafu:
U-2017 Umhlala-mali wokuKhusela umhlala-phantsi
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* Kubandakanya umtshato ongatshatanga, otshatileyo ohlukileyo ngokufakela ngokwahlukileyo, okanye umfelokazi ofanelekayo (er) wokufakela isimo
Iimali zeeRhafu zomhlala-phantsi ezifanelekayo kwiRhafu yeMali
I-Credit Retirement Savings Credit (iTrover Credit) ingasetyenziselwa xa unika umrhumo kwiinkalo ezilandelayo zeakhawunti yomhlalaphantsi.
- I-Traditional okanye iRoth IRA
- 401 (k) icebo
- 403 (b) icebo
- 457 (b) icebo
- Isicwangciso soKhuseleko esisisisiseko (TSP)
- I-SIMPLE IRA
- Isicwangciso sePolished Employee Pension (SEP)
- Icandelo 501 (c) (18) izicwangciso
- i- RA (i-akhawunti yokugcina imali kwiSebe lase-US leNondyebo)
Nangona kunjalo, ukuba uthe wagqiba i-rollover kwisicwangciso esifanelekileyo okanye i-IRA loo mrhumo ayifanelekanga kwiNkxaso yeMboleko. Ukongezelela, ukuba ufumene nayiphi na isibonelelo kwisicwangciso somhlala-phantsi okanye i-IRA yakho imfuno efanelekileyo iya kuncitshiswa ngemali efunyenweyo.
Umthombo: iNkonzo yangaphakathi yeNgeniso
Indlela yokumangalela iNkxaso yeMboleko
Ukusebenzisa inzuzo yeTrenda yeTrenda kufuneka ufake ifayile ye-IRS 8880 , "I-Credit for Qualified Retirement Savings Contributions." Nangona kunjalo, kufuneka usebenzise ifom ye-1040, 1040A, okanye i-1040NR ukwenzela ukuba ibange i-Credit Sover. Awunelungelo lokubiza ityala lekhredithi ukuba usebenzisa iFom ye-1040EZ eyongezelelweyo ukufakela irhafu yakho.
Isishwankathelo
Ukulondoloza umhlalaphantsi kunzima kumakhaya amaninzi eMelika. Iingcebiso ezikhethekileyo zerhafu zinceda ukwenza inkqubo yokugcina ilula. Enye yezibonelelo eziphambili abantu abazibekela bucala kwisicwangciso somhlala-phantsi ngomqeshi okanye i-IRA kukukhula kweerhafu. Iminikelo eyenziwe kwisiseko sokuhlawula isithuba sokuqala kunye negalelo le-IRA elichithwayo liyanceda ukuhlawula imali engenayo engenayo. Ukuba ufanelekile kwiNgxowa-mali ye-Retirement Saver ufumana zonke izikhuthazo zerhafu rhoqo kwi-Uncle Sam ukugcina umhlalaphantsi kunye nenzuzo eyongeziweyo yerhafu yengeniso yerhafu.
Ukwaziswa kubalulekile xa kufikelele ekusebenziseni ngokugcwele iNkcazo yeMboleko yoMhlalaphantsi. Ngelishwa, ngokutsho kwe-16 ye-Transamerica Retirement Survey kuphela ngamaphesenti angama-25 eemakhaya ezinemali engaphantsi kwama-50,000 amawaka ayazi ukuba ityala leentlawulo likhoyo.