Ukurhoxiswa kwe-IRA kunokubiza iirhafu ezingaphezulu kunokuba ucinga. Nasi isizathu.
Imirhumo ingaba nzima kumhlalaphantsi. Ukuba uthatha ukuhoxiswa okungekho kwi- IRA yakho ngonyaka, isantya sakho serhafu singakwazi ukunyuka kwesithuba sonyaka. Kunzima ukufumana iimpendulo zendlela esebenza ngayo.
Inkomfa elula kodwa engavamile
Naliphi na ukurhoxiswa kwe-IRA okanye i-401 (k) ityala intela yangoku kunye neeNtlawulo zeNtlalo zentlawulo zihlawulwa kwi-50 okanye 85% ngokuxhomekeke kumanqanaba angeniso.
Umbhangqwana othabatha umhlalaphantsi ufuna ukuthengisa indlu yabo yangoku, ukufuduka kunye nokuthenga entsha.
Babo babini abangaphezu kwama-62 kwaye bobabini bafumana i-SS kunye neenzuzo ezipheleleyo malunga nama-30,000. Ukufuduka kunye nokuthenga indlu entsha kufuna ukuba bahoxise i-$ 60,000 kwi-IRA yabo kunye ne-401 (k). Baye bajonga iincwadi ze-IRS kunye ne-website ye-SSA kwaye badidekile kuba xa (i-IRS) bekhankanya ukuhlawula ii-SS iinzuzo abaphatha ngayo njengokunciphisa inzuzo yexesha elide.
Ngaba esi sibini siza kuhlawula irhafu kwixabiso elipheleleyo leminyaka esiyihoxisayo? Ngaba ii-SS ziza kuzuza kwiimali ezikhoyo kwixesha elizayo okanye ziyancitshiswa ngenxa yokuba ingeniso yenyuka ngomnyaka owodwa?
Okokuqala, ewe, ukurhoxiswa kwe-IRA kuhlawulwa intela yakho yerhafu yengeniso. Nangona kunjalo, irhafu yoLuntu loKhuselo loLuntu aluyinto elula nje ngo-50% okanye i-85% yalo ilawulwa yerhafu. "Iminye imithombo" yengeniso (ebizwa ngokuba yinzuzo ehlangeneyo okanye ingeniso yesikhashana) iya kwifomu kwaye isiphumo siphuma kwi-0 - 85% yeeNtlawulo zeNtlalo zentlawulo zikarhoxiswa.
Ngoko kuya kuphelisa ukuba i-12% yezibonelelo zakho ziphantsi kwentela yengeniso, okanye i-77%, umzekelo. Oku kuhlaziywa ngonyaka ngamnye ngokusekelwe kwimithombo yakho yemithombo eyahlukeneyo.
Nangona kunjalo, eli rhafu alincipheli kwiinzuzo zexesha elide. Ndicinga ukuba (okanye mhlawumbi ulwazi kwiwebsite ye-SSA) inokudidanisa into ebizwa ngokuba ngumyinge wokufumana irhafu.
Umlinganiselo wokufumana umvuzo uthe xa uqokelela iNgcaciso yeNhlalakahle ngaphambi kokuba ufikelele kwixesha lakho elipheleleyo lomhlalaphantsi, kwaye unemivuzo eninzi eyinzuzo , ngoko unokuhlawulwa ezinye zeentlawulo zeNtlalo. Lo mda wemivuzo awufanele usebenze kule meko njenge-IRA eyongezelelweyo okanye 401 (k) ukuhoxiswa akuthathwa njengengeniso.
Ngoko, njengoko kuchaziwe ngasentla, babeza kuhlawula irhafu yengeniso kwihoxiso eyongezelelweyo, enokubangela ukuba inzuzo yeNkonzo yoKhuseleko lweNtlalo ibe phantsi kohlawulelo lwentlawulo (oko kuthetha ityala elithe xaxa) kodwa liya kusebenza kuphela kunyaka wekhalenda apho ukuhoxiswa ngokweqile (kwaye ngoko ke ingeniso eyongezelelweyo irhafu) yenzeka. Akukho kubakho ukunciphisa inzuzo yoLuntu lweNtlalo.
Ngoku, ngaba kukho indlela engcono? Ku no kwenzeka, kodwa kuya kuquka uhlalutyo oluninzi. Ngokomzekelo, ngaba bangasebenzisa umgca wokulinganisa ikhaya lokuthenga inkokhelo ukuba bangene ngentlawulo yokuhlawula ukukhusela i-IRA / 401 eyongezelelweyo (k) ukuhoxiswa? Ngaba bayakwazi ukusasaza i-IRA / 401 (k) ukuhoxiswa kweminye yeekhalenda ezimbini? Ngaba ngokuqhelekileyo bathabatha i-IRA / 401 (k) ukurhoxisa ukuhlangabezana neemfuno zabo zokufumana imali? Ngaba banayo imali? Ngaba baya kuba ne-mortgage ekhaya labo elitsha? Ukuqwalasela konke oku kwindlela equka impembelelo yerhafu ithatha umsebenzi - kodwa ngamanye amaxesha kubangelwa ukugcina imali ngokufumana indlela yokulungelelanisa izigqibo zabo ukunciphisa umrhumo wabo werhafu olindelekileyo kulo lonke umhlalaphantsi.