Iyiphi iAkhawunti yokuTyala eThathwe kwiRhafu?

Iakhawunti echazwe ngentlawulo zibeka ixesha kwicala lakho

Ukulondolozwa kweentlawulo ezifakwe kwiRhafu kwenzeka xa usebenzisa i-akhawunti ekhethiweyo, okanye ukhetho lokutyalomali, alufunanga ukuba uthathe imali engenayo yemali engenayo ngaphakathi kwe-akhawunti rhoqo ngonyaka kwi-tax return yakho. Kunoko, uya kufumana le ntlawulo yengeniso-mali uze ukhethe ukuhoxisa kwi-akhawunti yokulondoloza irhafu okanye ufumane imali kwimali-mali.

Ukusebenzisa i - akhawunti ye-investing echazwe ngerhafu yenza ingqiqo enkulu xa uhlala kwibhaksi yerhafu ephezulu ngoku kwaye ucinge ukuba uya kuba sekhokhini ehlawulwa irhafu kwixesha elizayo xa uya kuthatha ihoxiso.

Ingcamango ukubeka ixesha kwicala lakho, ukuvumela iminyaka yokufumana imali ngeniso , ngaphandle kokuhlawula irhafu kuyo.

Unako ukuqokelela imali yokugcinwa kwentela ngeendlela eziliqela:

1. I-akhawunti ehlawulwe intela yeFund njenge- IRA okanye isicwangciso somhlala-phantsi esixhaswe ngumqashi (njengesi-401 (k), 457 okanye 403 (b) isicwangciso). Ngaphakathi kwezi akhawunti, unokuthenga iintlobo ezahlukeneyo zotyalo-mali.
2. Beka imali kwi-annuity yerhafu eyimvumelwano yomshuwalense evumela ukuba uqokelele imali yokugcina imali. Iimali zonyaka ezinokumiselwa kweRhafu zingagqitywa, ezinikezela ngezinga eliqinisekileyo, okanye ukutshintsha, apho kukuvumela ukuba ukhethe kwiintlobo ezahlukeneyo zotyalo-mali.
3. Ukuqokelela imali ngaphakathi kwenkqubo yomshuwalense wobomi, okanye i-Roth IRAs, ii-Akhawunti ze-Savings Health, okanye ngokusebenzisa ezinye iintlobo zeebhanki zikaRhulumente ezifana ne-Series EE Bonds okanye I-Bonds.

Umzekelo weNkqubo yokuThuthwa kweRhafu

• Utyalo-mali lwama-$ 1,000 kwi-akhawunti yokulondoloza irhafu (njenge-401 (k) isicwangciso, okanye i-akhawunti ye-IRA), okanye usebenzise i-annuity-taxed annuity.

• Ifumana i-5% kwingeniso-mali.
• Ekupheleni konyaka, utyalo-mali lufanele u-$ 1,050.
• Awunayo ibango le-$ 50 njengengeniso yentengo kwimbuyekezo yerhafu yakho yangoku, njengoko ifunyenwe ngaphakathi kwe-akhawunti ehlawulwe irhafu okanye i-annuity-taxed year.
• Ngonyaka ozayo, i-$ 1,000 yokuqala kunye ne-$ 50 yomdla, bobabini banomdla omkhulu.

Abalandeli bokuqala

Xa usebenzisa ii-akhawunti ezikuvumela ukuba ulahle iirhafu kude kube yimva kamva, ukuxothwa kwe-investment benefit ngaphambi kokuba u-59 ½ ubudala uhlala phantsi kwe-10% yentlawulo yeerhafu. Esi sihlwayo songeza kwiirhafu eziqhelekileyo zerhafu. Cinga nje ngolu hlobo: i-IRS ikuvumela ukuba ukhulise imali yakho yentlawulo echazwe ngentlawulo njengenkuthazo yokukhuthaza ukuba ulondoloze umhlalaphantsi, kodwa bayakuhlawulisa ukuba usebenzisa imali ngokukhawuleza.

Akuzona zonke iintlobo zeendlela ezikhethiweyo zerhafu ezinokuhlawulwa kwangaphambili. Ngokomzekelo, i-inshorensi yonke yobomi bomshuwalense ikuvumela ukuba ubole imali. Xa uboleka imali, akukho zerhafu okanye izigwebo ezifunekayo. Nama-I-Bonds uhlawula irhafu xa uhlawula kwiimbopheleleko, kwaye oko kwenzeka nakweyiphi na iminyaka - akukho sihlwayo xa ubafaka imali phambi kweminyaka yobudala engama-59 / 1/2.

Ndihlawula nini iRhafu?

Ngelo xesha uthatha ukuhoxiswa kwi-akhawunti yokulondoloza irhafu, uya kuhlawula irhafu kwireyithi yakho yerhafu yengeniso ngokuqhelekileyo nayiphi na inzuzo yokutyalomali ehoxiswayo. Ukuba igalelo lakho kwi-akhawunti libuye lithengiswe irhafu , ngoko uya kuhlawula irhafu kwixabiso elipheleleyo lokuhoxiswa kwakho, kungekhona nje inzuzo yentlawulo-mali.

Iintlobo zeAkhawunti eziThathwe kwiRhafu

Ngezantsi uluhlu lweentlobo zeeakhawunti ezinesimo esikhankanywe irhafu.

Ngaphakathi kwale akhawunti, unakho uqobo malunga nayiphi na uhlobo lotyalo-mali onokucinga ngalo; iimali ezihlangeneyo, iimasheya, izibophelelo, izatifikethi zediphozithi, iimali ezixhaswe ngokutsha, ukunyuswa kwemali, njl njl.

• IRAs zendabuko - utyalo-mali ngaphakathi kwe-IRA yendabuko ikhula irhafu. Iminikelo yakho kwi-IRA yendabuko inokuthi ihlawulwe irhafu xa uhlangabezana nemida yegalelo ye-IRA kunye neemfuneko zomthetho.
• Izicwangciso zomhlala-phantsi ezifana no-401 (k) iingxelo, 403 (b) izicwangciso kunye nezicwangciso ze-457 - utyalo-mali ngaphakathi kwiprojekti yomhlala-phantsi oxhaswe ngumqeshi ngokuqhelekileyo kukhula ukunyuswa kweerhafu uze uchithe. Imirhumo inokuthi ihlawulwe irhafu.
  Xa utshintshe abaqeshi, unokuphepha ukurhoxiswa kwentlawulo ngokusebenzisa i-rollover ye-IRA ukuhambisa imali ngqo kwicebo lakho kwi-akhawunti ye-IRA okanye ngokuhambisa imali ngqo kwisicwangciso nomqeshi wakho omtsha.

• I-Roth IRAs - utyalo-mali ngaphakathi kwe-Roth IRA zibhetele ngakumbi kuneerhafu ezichaziweyo; Bahluma irhafu ngaphandle nje kokuba ulandele imithetho ye-Roth IRA.

Ezinye iinketho ngeTrafer-Deferral

• Ukuhlawulwa kwemali echasiweyo- inzala efunyenwe kwisigxina esicwangcisiweyo ihlawulwa irhafu de uze uhoxise.
• Ukuhlawulwa kweentlobo ezahlukeneyo - imali engenayo yokutsalwa kweengxowa- mali ezifunyenwe ngaphakathi kwintlawulo eguquguqukayo yerhafu-ize ihlawulwe irhafu de uze uhoxise.
• Iibhonki okanye ii-Bonds ze-EE - inzala eyongeziweyo yerhafu-ize ihlawulwe uze ufumane imali kwiibhondi.
• Intshuwalense yonke yobomi - inzala efunyenwe yerhafu-imiselweyo kude ufumane imali kwinqubomgomo yomshuwalense, okanye uthathe ukuhoxiswa okubandakanya inzuzo eyongeziweyo kwixabiso lakho lemali.