Ukulungelelanisa iIRAs kunye nokuKhutshwa kweNgeniso evela ngaphandle
Imali engenayo yangaphandle kunye neZindlu zangaphandle
Abaninzi baseMerika abahlala kunye nabasebenza kwamanye amazwe banelungelo lokungeniswa kwemali engenamanye amazwe, okubonelela ukuba imali yokuqala engama-102,100 yemali yangaphandle okanye ingeniso yokuqeshisa ingabandakanywa kwiRhafu yase-US yerhafu yengeniso ngonyaka ka-2017.
Isixa sokungabikho sihlonyelwe kwi-inflation ukwenzela ukuba sinokunyuka ngokukhawuleza ukuze sihambisane nomoya wezoqoqosho.
Abantu abasebenza ngaphandle kwamanye amazwe banokufanelekela ukukhutshwa kwezindlu zangaphandle.
Impembelelo yeNgeniso engabandakanyiyo kwiIRAs
Nayiphi na ingeniso engabandakanywa kwiirhafu zerhafu ngenxa yoluphi na ikhefu ezimbini zentlawulo kubhekwe ingeniso engenakuncedisa kwi- akhawunti yomhlala phantsi . Naliphina imali engenayo ngaphandle kwerhafu ingaba negalelo kwi-IRA, nangona kunjalo.
Ukulungelelanisa iNgxowa-mali yokuThatyelwa kweeNgxowa-mali ngaphandle kweRoth IRAs
I-Roth IRAs inemivuzo . Umhlawuli-ntlawulo omnye ufanelekile ukuxhaswa iRoth IRA ukuya kumyinge opheleleyo wegalelo ukuba ukuguqulwa kwakhe kwintlawulo engenayo ingaphantsi kwe-$ 118,000 ngo-2017. Imali enokubangela iRoth iyancishiswa ngokunyanisekileyo ukuba ifayile enye ifumaneka phakathi kwe-118,000 no-133,000. Akukho nxaxheba yeRoth IRA evunyelwe ukuba i-MAGI yakho ingaphezu kwama-133,000.
Kwiinjongo zeRoth IRA, ingeniso ehlawuliswayo yomhlawuli werhafu ihlaziywe ukuba yongeze nayiphi na imali engaphandle yokufumana ukungeniswa kwemali kunye / okanye ukukhutshwa kwezindlu zangaphandle, ukuba wayenayo. Oku kudala uluhlu oluncinci lwemali engenayo yokufumana imali ngeRoth IRA ukuba uhlala kwaye usebenza kwamanye amazwe. Umntu oyifayile oyifumana i-$ 102,100 epheleleyo efunyenwe ngaphandle kwemali engenayo kufuneka ukuba abe nemali engaphandle kwi-102,100 zama-dollar kunye nemali engenayo engaguqukanga engaphezulu kwama-133, 000 ukuze afaneleke ukufaka imali kwiRoth IRA, kwaye lo luhlu oluncinci.
Ukulungelelaniswa kweeNgxowa-mali ezingeniswe ngaphandle kwamanye amazwe ngee-IRAs zendabuko
IRAs zeNdabuko zilungelelaniswa nokungabikho kwamanye amazwe ngeendlela ezimbini ezahlukeneyo. Okokuqala, njengeRoth IRA, umntu akakwazi ukufaka igalelo engenayo imali engenayo kwi-IRA yemveli. Okwesibini, ukuxothwa kwenkxaso yesithethe ye-IRA inganciphisa okanye ipheliswe ngokupheleleyo xa umntu ehlanganiswa nesicwangciso somhlala-phantsi somqeshi. Kwimeko apho umhlawuli-ntlawulo angafanelanga ukuthatha inxaxheba kwisicwangciso somhlala-phantsi weqela, i-IRA yendabuko iya kufumaneka kuphela kumvuzo ongaphandle okanye ngeniso engenamsebenzi oqeshwe ngaphandle kwexabiso lemali elingenayo imali engenayo.
Cinga ngokusebenzisa iRhafu yeMali yeTyala yangaphandle
AmaMelika asebenza kwelinye ilizwe angafumana ukuba ityala lorhwebo lwangaphandle lingavelisa iziphumo ezingakumbi kunokuba abantu bangaphandle bafumane ukungeniswa kwemali kwiimeko ezithile. Ukuba ubango ityala letyala langaphandle, uya kuba nomvuzo ohlawuliswayo okanye imali engenayo yempesheni yokufumana umsebenzi onokukunika ithuba lokuxhaswa i-IRA e-US Inika kwakhona ukunciphisa irhafu kwi-US ngokusekelwe kwiirhafu ezihlawulwe kwilizwe apho usebenza khona. Uhlawuliswa kule ngeniso ngako-ke akunakunyulwa kwaye unokufumana inzuzo epheleleyo yokunikela kwi-IRA.