Inkokhelo yeRhafu ingaxhomekeka kwimvelaphi yengeniso yakho yomhlalaphantsi
Ukukhutshwa kunye nokuxolelwa
Ncedisa ngokugcwele kwimilinganiselo ephantsi okanye echaziweyo kunye nokukhululwa komntu. Zonke ezi ncedayo zichonga ukuba ingakanani imali yakho engenayo iya kuba yerhafu. Abahlala kwiingxowa-mali bangaqulunqa ukusabalaliswa kwentlawulo kunye neentlawulo zabo zokuthenga imali, iintlawulo zendawo yokuhlala kunye neendleko zonyango.
Ukukhawulezisa Iminikelo yomhlalaphantsi
Cinga ngokukhawuleza ukusabalalisa umhlala-phantsi ukuba unemivuzo eninzi ekhoyo. Unokurhoxisa imali engaphezulu yomhlalaphantsi kunokuba uyifunayo ngonyaka xa ukunciphisa kwakho kudlula imali yakho engenayo. Uya kuphepha ukuhlawula irhafu ngaphezulu kwonyaka ozayo ukuba uthabatha ukukhutshwa ngokukhululekayo ngoku, xa unesiseko okanye isantya esimalantsi serhafu, kungekudala.
Cwangcisa iRhafu yomhlala-phantsi
Icala le-flip kule siqhinga kukumela isabelo sakho somhlala-phantsi kuze kube yilapho uwafunayo okanye afunwa ngumthetho werhafu. Ukugcina ulwabiwo oluhlawuliswayo kuhlawula ubuncinci ngaphezu kwengeniso yonyaka werhafu xa uza kulindeleka ukuba uwele kwibakethi yentela ephantsi ngelo xesha.
Abathengi kufuneka baqale ukurhoxisa iimali ezivela kwi-401 (k) kunye nezicwangciso ze-IRA zendabuko xa befikelela kwiminyaka engama-70 / 1/2. Izabelo maziqale ngo-Aprili 1 wonyaka olandelayo kunyaka apho bafikelela kuloo suku lokuzalwa. Oku kubizwa ngokuba ngumhla wokuqala ofunekayo. Isixa esincinci esifanele sihanjiswe ibhalansi yakho ye-akhawunti ihlukaniswe ngamanani okulindela ubomi obupapashwe yi-IRS kwi-Publication 590.
Ungasebenzisa i- calculators based based calculators ukuba uqikelele iimfuno zakho eziphantsi ezifunekayo. Cwangcisa ukuhoxisa ubuncinci ubuncinane obufunekayo kwi-IRA kunye ne-401 (k) akhawunti. I-Roth IRAs kunye no-Roth 401 (k) ii-akhawunti zikhutshwa kwiimfuno ezisisiseko zokusasazwa .
IRhafu yeRhafu kuBantu abadala
Musa ukuwajongela iCredit for the Elderly . Le khredithi yerhafu ekhethekileyo ingafunwa ngabahlawuli berhafu abaneminyaka yobudala engama-65 okanye ngaphezulu, kodwa ukulungelelanisa kufuna ukucwangcisa ngokucophelela-imali yakho engenayo ihlawulwe phantsi kwemida ethile.
Ukukhulisa iRhafu yakho yeNgeniso
Abathengi bangabandakanyi ukuya kwii-250,000 zamaRhafu ukusuka kwerhafu yokufumana imali xa bethengisa ikhaya labo eliphambili . Eli nani liphindwe kabili kwii-500,000 zamaRandi ukuba utshatile. Inzala evela kumabhondi kamasipala nayo ikhutshwa yerhafu.
Ingeniso yomhlala-phantsi i-Taxed
Abathathe umhlala-phantsi banokufumana imali evela kwimithombo eyahlukeneyo, kubandakanywa iintlawulo zeNtlalo kunye nokunikezelwa kweepensheni, i-annuities, i-IRA kunye nezinye izicwangciso zomhlalaphantsi. Ngamnye ulawulwa yimithetho yentela eyahlukileyo.
Ukhuseleko lasekuhlaleni
Iintlawulo zakho zeNtlalo-ntlalontle zingenakho ukuhlawula irhafu ngokupheleleyo okanye zingenanto yentlawulo ngokuxhomekeke kwingeniso yakho yonke kwimithombo yonke. Ukujonga ukuba zininzi zezibonelelo zakho ziya kufakwa njengemali engenayo ehlawulwayo iquka imathematika , kodwa kufuneka uyenze ngenjongo yokucwangcisa kwaye kuya kufuneka wenze ukuba kubakho ixesha lokuhlawulwa.
Pension okanye Income Income
Umhlala-phantsi wakho okanye inzuzo yengeniso ingabhalwa ngokupheleleyo okanye ihlawulwe ngokukodwa.
Ukunikezelwa kwakho kuya kuhlawuliswa ngokupheleleyo ukuba yonke iminikelo kwingxowa-mali yakho yenziwa ngeedola ezihlawulwe irhafu. Kodwa ukuba uncedise nayiphi na idola yerhafu emva kokuba uhlawule isicwangciso sakho, uya kuba nesiseko esithile kwixabiso lesivumelwano. Ingxenye yonikezelo lwakho luya kuhlaziywa kwentlawulo yerhafu kwaye kuphela intsalela iya kuhlawulwa ingeniso.
I-IRS yokupapashwa kwe-575, i- Pension kunye ne-Annuity Income, inikeza ulwazi olunzulu malunga nokuqikelela imali ehlawulwayo, kodwa umlawuli wakho wecebo kufuneka akwazi ukubala inxalenye ehlawulwayo yokunikezelwa kwemali yakho. Qhagamshelana nomlawuli ukuba ufumane ukuba yeyiphi inkokhelo yakho yomhlalaphantsi kunye nokuba yiyiphi inxalenye yale ntlawulo iya kuthathwa njengetyala.
IRA Distributions
Izabelo ezivela kwi- akhawunti yakho yomhlala-phantsi ziyakuthi zihlawulwe ngokupheleleyo, zihlawulwe ngokukodwa, okanye zihlawulwe ngokupheleleyo. Kuxhomekeke kuhlobo lwe-IRA onayo. Ukuba unayo i- IRA yendabuko edityanisiweyo , izabelo zakho ziya kuhlawulwa ngokupheleleyo. Unika inkxaso ngemali usebenzisa iidola ezirhoxiswa yerhafu, kwaye irhafu ihlawulwa kuzo zombini igalelo kunye nemali engenayo de iyakhutshwa.
Ukuba unaso nasiphi na isiseko kwi-IRA yendabuko engekho-deductible, izabelo zakho ziya kuhlawulwa ngokukodwa. Isabelo sakho sokusasa sibonisa ukubuyiswa kotyalo-mali obungenakudalulwa kwaye loo nxalenye ifunyenwe ngaphandle kweerhafu.
Izabelo ezivela kwiRoth IRAs zihlawulwa ngokupheleleyo ngaphandle nje kokuba uhlangabezane neemfuno ezimbini ezibalulekileyo: Igalelo lakho lokuqala leRoth IRA lenziwe ubuncinane kwiminyaka emihlanu phambi kokupapashwa, kwaye imali ihanjiswa emva kokuba ufikelele kwiminyaka yobudala engama-59 / 1/2.
401 (k) Izicwangciso
Izabelo ezisuka kumqeshi wama-401 (k) isicwangciso siyahlawulwa ngokupheleleyo ngenxa yokuba umrhumo wawungabandakanywa kwingeniso yakho engenayo ngexesha elenziwe ngayo. Izabelo ezivela kwiRoth 401 (k) iingxelo ziphathwa ngokufanayo neRoth IRA .