Ukuqonda iMimiselo yeeNkcazo zeeNkcazo zeeNkcazo zeeNkcazo zeNkcazo zeNkcazo zeNkcazo
IRA yeNdabuko kunye neRoth IRA Imirhumo
| UMTHETHO WONYAKA | AGE 49 & NOKUBA | KWI-AGE 50 NOXHUMA |
| 2002-2004 | $ 3,000 | $ 3,500 |
| 2005 | $ 4,000 | $ 4,500 |
| 2006-2007 | $ 4,000 | $ 5,000 |
| 2008 | $ 5,000 | $ 6,000 |
| 2009 | $ 5,000 | $ 6,000 |
| 2010 | $ 5,000 | $ 6,000 |
| 2011 | $ 5,000 | $ 6,000 |
| 2012 | $ 5,000 | $ 6,000 |
| 2013 | $ 5,500 | $ 6,500 |
| 2014 | $ 5,500 | $ 6,500 |
| 2015 | $ 5,500 | $ 6,500 |
| 2016 | $ 5,500 | $ 6,500 |
| 2017 | $ 5,500 | $ 6,500 |
| 2018 | $ 5,500 | $ 6,500 |
Njengoko uphando ngale mida, uya kuqonda ukuba imida ye-IRA yemveli kunye nemida yokuxhasa iRoth IRA ibhalwa kwikhowudi yentela yase-US ngendlela ehlala ifana ngayo. Umtyalo-mali unokufaka isandla kwiNkcubeko ye-IRA okanye i-Roth IRA, okanye ukwahlula igalelo phakathi kwezi zibini, kodwa umyinge wegalelo wonyaka odibeneyo usasebenza. Ngokomzekelo, ngowama-2017, ukuba uneminyaka engama-28 ubudala, unokuba negalelo elipheleleyo lama-5 500 $ ukuya kwi-IRA yakho yobuNtu okanye i-Roth IRA yakho ngaphandle kokugqithisa imida yegalelo kunye nokubethelwa izigwebo ezinkulu.
Echazwe ngokwahlukileyo, ukuba ubeka i-$ 2,000 kwi-IRA yeNdabuko, awukwazi ukubeka ngaphezulu kwama-3 500 ayi-Roth IRA ngaloo nyaka.
Ngakolunye uhlangothi, unako ukuxhaswa imali ephezulu kwiRoth IRA kunye ne-Traditional IRA kwaye usasebenzisa esinye isicwangciso somhlala-phantsi oxhaswe ngumqeshi, njengesi- 401 (k) , 403 (b) , i- SIMPLE IRA , okanye i- SEP -IRA .
(Ukuze ufumane ulwazi oluthe xaxa malunga nee-akhawuntini zomhlalaphantsi, funda isiKhokelo sam kwiMida yokuKhutshwa kweAkhawunti yoMhlalaphantsi .)
Iimpawulo ze-IRA zokuNikwa kweMiqathango zichongiwe njani?
Ngaphantsi komthetho wangoku, i-IRA ye-Traditional kunye ne-Roth IRA imingcele yemingcele isetyenziswe ukwenyuka ngezinga lokunyuka kwamanani kwi-increment $ 500. Esi sizathu sokuba umda wegalelo awunyuli kwiminyaka ethile; Ukunyuka kwamaxabiso kwakungekho phezulu ngokwaneleyo ukuze kubangele ukunyuka okulandelayo ukuze kuhlale kuhleli.
Nceda uqaphele ukuba i-IRA yeMveli kunye neRoth IRA imingcele yegalelo "isebenzisa-okanye-okanye ilahlekelwe". Awukwazi ukuwaqhubela phambili kunyaka ozayo. Umhla wokugqibela wokudibanisa umda wenkxaso yintlawulo yokuqala yokufakela irhafu, ngokuqhelekileyo ngo-Ephreli 15, ngaphandle kokuba iwele ngeveki. Ngokomzekelo, ukuba ufuna ukuxhaswa i-akhawunti yakho yomhlala-phantsi ukuya kwigalelo elivumelekileyo lonyaka werhafu ngo-2017, uya kuba ne-Apreli 17, 2017, ukuze ufumane imali kwi-akhawunti.
Ukuxhaswa ngeMali Yakho kunye / okanye iRoth IRAs
Xa uxhaswa ngemali ye-IRA okanye iRoth IRA, iminikelo ayifanele kwenziwe kwintlawulo enye ngexesha elifanayo. Ngokomzekelo, ukuba uneminyaka engama-55 ubudala ngo-2016, kwaye ufuna ukufumana i-$ 125 ekhutshwe kwi-akhawunti yakho yokutshekisha ngokuzenzekelayo nganye iveki yonke unyaka ukuxhasa i-akhawunti yakho ye-Roth IRA, unokukwenza oko.
Ekupheleni konyaka, ubeke i-$ 6,500 eyi-$ 500, eyona nto uvumelekileyo ukuba ifake.
Kukho ukunciphisa umvuzo othile malunga nokuba ungayikhokheli i-IRA yeNdabuko kwaye uthathe irhafu yentlawulo okanye uhlawule iRoth IRA ngokupheleleyo. Ukuba uvumelekile kokubini, iRoth IRA phantse ilungele ukhetho olungcono njengoko iRoth IRA yinto esondeleyo kwindlu yokukhusela yentlawulo epheleleyo e-United States kumtyalo-mali oqhelekileyo .
Kukho imigaqo emalunga ne-IRAs yeNdabuko kunye ne-Roth IRAs, ngokukodwa ekubandakanya ukuhoxisa imali ngaphambi kokuba ufikelele kwiminyaka eyi-59.5 ubudala. Ukuba uzifumana unesidingo semali yakho, kukho iindlela ezisibhozo onokuthi uziphephe i-penalty ye-retraction yokuqala ye-10% esetyenziswa nakwezinye iirhafu ezinokuhlawulwa .