AbaSebenzi abafanelekayo banokunikela ngakumbi kwii-401k kunye ne-IRA Plans Plans
Ukususela ngo-2016, abantu abafanelekileyo abaneminyaka engaphantsi kwe-50 banokufaka i-$ 18,000 ukuya kwizicwangciso ezingama- 401k kunye ne-$ 5,500 ukuya kwizicwangciso ze-IRA.
Imilinganiselo yokufaneleka yemirhumo ye-IRA kunye nerhafu yerhafu yesikhokhelo iye yanda. Ngezantsi ibali elipheleleyo malunga nokuba unako ukufaka isandla kwiakhawunti yakho yomhlalaphantsi ngoku .
401k Imida yokuLawulwa
Abasebenzi ngoku banokufaka i-$ 18,000 ukuya kwi-401k, 403b kunye ne-Plans Savings Plans.
(I-403b ifana nesicwangciso somhlala-phantsi we-401k , kodwa kootitshala.
Abantu abaneminyaka engama-50 okanye ngaphezulu bangafaka i-$ 6,000 eyongezelelweyo, malunga nama-24,000.
(Funda ngakumbi: 4 Iingcebiso zomhlala-phantsi kubantu 40 kunye nabadala)
IRA Imirhumo
Imida yokuxhaswa kwe- Akhawunti yoMhlala-phantsi i-$ 5,500 ngonyaka kunyakadi we-Traditional and Roth. Umlinganiselo wenkxaso yokubambisa uhlala ungatshintshi kwi-$ 1,000 eyongezelelweyo ngonyaka ukwenzela abathathi-nxaxheba abafanelekileyo 50 nangaphezulu.
(Funda ngakumbi: Ndingafuna phi umhlalaphantsi?)
Roth IRA Eligibility Limits
Ngaphambili, abantu abangatshatanga kunye neentloko zamakhaya babenokuba negalelo kwiRoth IRA xa befumana i-$ 127,000. Inzuzo yerhafu ixhaswa xa imali yabo ingenayo i-$ 112,000. Ababini banokunikela kuphela ukuba ingeniso yabo ingaphantsi kwama-188,000. Ingeniso yabo yerhafu yenziwa emva kokuba imali yabo ingenayo i-178,000.
Le miqathango sele iphakanyisiwe. Ama-singles kunye neentloko zezindlu zingaphumelela kuma-132,000, kwaye i-phase-out ayiqali kwaze kwaba yilapho imali yabo ingenayo i-117,000. Ababini banokufumana imali engama-194,000 kunye nokugcina ukufaneleka kwabo, kunye neenzuzo zerhafu ukukhawuleza xa befumana ngaphezulu kwe-184,000.
(Funda ngakumbi: Iingcebiso ezi-7 ukuba Uyalondoloza umhlala-phantsi kunye noQala lokuQala)
Imida yokuKhutshwa kweRhafu ye- IRA
Ngaphambili, ongatshatanga kunye nentloko yabasebenzi basekhaya abanesicwangciso somhlala-phantsi somqeshi kunye nokwenza imirhumo ye-IRA yenkxaso- mali yecandelo lokuncitshiswa kweerhafu xa bebe ne-income edityanisweyo engenayo phakathi kwe-$ 59,000 kunye ne-69,000 zamaRandi. Olu hlobo luye lwafika kwi-61,000 kwi $ 71,000.
Izibini ezitshatileyo apho iqabane elijongene nendawo yokusebenza ngumntu ofanayo owenza igalelo, isigaba-out out $ 98,000 ukuya $ 118,000. Oku kukunyuka ngaphezu kwesigaba esingaphambili-esingama-$ 95,000 ukuya kuma-115,000.
Ngezibini apho iqabane elingenakucetyiswa yiplani yendawo yokusebenza lenza igalelo , inqanaba lesigaba liyi-184,000 ukuya kwii-194,000 zamaRandi. Oku kukunyuka ngaphezu kwe-phase-out out of $ 178,000 ukuya kwii-188,000 zamaRandi.
(Funda okungakumbi: Unokuthi Uninzi Kangakanani Ukulondoloza Umhlalaphansi ngo-35 ubudala, 45, 55, 65?)
Imilinganiselo yeMboleko yeMboleko yeSewula
Abantu abangabodwa abangafumana i-$ 30,750 bangafaka isicelo somboleko werhafu yomhlalaphantsi. Ukwenyuka ngaphezu komyinge wangaphambili wemali ye-$ 30,500. Iintloko zemindeni zilungele umvuzo werhafu yomhlala-phantsi xa zifumana i-46,125 zamaRandi, ukuxhoma ngaphaya kwemingeni engama-45,750. Ababini abafakela ngokubambisana banokubango i-credit-saver yomhlala-phantsi werhafu ukuba bafumana imali engama-61 500, ukunyuka ngaphezu kwemida engama-61,000.
(Funda ngakumbi: Kutheni ukugcinwa komhlalaphansi kufuneka ube yiNombolo yakho yokuqala)