IZIMPAWU ze-IRA zeSicwangciso se-Abanini bamashishini abancinci nabasebenzi

Isingeniso kwisiCwangciso se-IRA esilula

Igama elithi "I-SIMPLE IRA" ngokwenene liyigama elijongene neNkqubo yokuThuthukiswa koKhuseleko lwabaSebenzi kwiAkhawunti yoMhlala-phantsi ngamnye. Yenzelwe ukuba ifikeleleke ngakumbi ukugcina kunezinye izicwangciso zomhlalaphantsi. Ngokwemiqulu ye-IRS ngolu hlobo, "Ngaphantsi kwesicwangciso se-IRA esilula, abasebenzi kunye nabaqeshi banikela iminikelo kwiMigangatho yokuHlala koMhlala-phantsi (i-IRAs) eyenzelwe abasebenzi (kubandakanywa nabantu abaqeshwe ngabanye), ngokwemiqathango ethile." I-Simple IRA isicwangciso esifanelekileyo sokuqalisa umhlala-phantsi wabasebenzi abancinci abangakhange baxhasane nezibonelelo zomhlala-phantsi njenge- 401 (k) isicwangciso okanye i- 403 (b) isicwangciso .

Isicwangciso esisisiseko seSicwangciso esiPhezulu se-IRA ngulo: umqeshi useka i-akhawunti ye-Traditional IRA kwingxelo yabasebenzi bayo. Bobabini kunye nabasebenzi bangakwazi ukufaka isandla kwiingxelo, ukufumana iintlawulo zerhafu zombini ngexesha legalelo kunye nokuchasa iirhafu eziza kuhlawulwa kwiingeniso ezifunyenwe kwiimpahla kwi-akhawunti. Abaqeshwa bangama-100% athathwe ngokukhawuleza kwiakhawunti zabo ezilula ze-IRA, oku kuthetha ukuba xa beshiya umsebenzi wabo, banokuthatha imali nabo.

Izidingo zokuseka i-IRA elula

Kuba umqeshi ukuseka isicwangciso esilula se-IRA, ngokuqhelekileyo kufuneka badibane nemimiselo emithathu:

1. Okwangoku banabalingani abayi-100 okanye abancinci
2. Gcwalisa enye ifom enye okanye ezimbini
3. Ayikho nayiphi na iiplani zomhlalaphantsi ezikhoyo ngoku

Izinzuzo ze-IRA elula

• Iindleko zolawulo zokuseka nokugcina iSicwangciso esiPhezulu se-IRA ziphantsi kakhulu kunezinye iindlela

• Inkqubo elula ye-IRA kulula ukuyilungisa, ngokuqhelekileyo idinga kuphela umnxeba kwiziko lemali ukuze uqalise izinto.
• Abasebenzi abagqitywe yi-IRA elula banokufaka isandla kwi-akhawunti yabo ye-IRA elula ngokuchithwa kwemivuzo rhoqo. Baza kufumana irhoxiso yerhafu kwaye utyalo-mali kwi-akhawunti luyakhula ihlawulwe irhafu kuze kube yilapho ihoxiswa umhlalaphantsi.

• Umqeshi oqalise inkqubo ye-Simple IRA angakhetha ukufana nomrhumo womqeshwa kwi-akhawunti yabo ye-IRA elula okanye banokufaka isandla sepesenti esicwangcisiweyo kubo bonke abahlawulwa ngabasebenzi abafanelekileyo kwi-akhawunti nganye. Ngokukodwa, umqeshi angakhetha ukuba adibanise negalelo labasebenzi labo idola-dollar ukuya kuma-3% ehlawulwayo okanye abanokukhetha ukufaka i-2% engapheliyo, engabikhoyoyo ngamnye kumsebenzi ngamnye ofanelekileyo. Ukuba bakhetha okokugqibela, oko kuthetha ukuba nabasebenzi abangasindisi nantoni kwi-paycheck yabo kufuneka bafumane i-2% idiphozithi kwi-IRA yabo elula.
• Umqeshi oxhasa isiCwangciso se-IRA esicacileyo ngokubanzi akanakho iimfuno zokufakela nge-IRS. Iziko lezemali elilawula utyalo-mali lwe-IRA oluqhelekileyo ludla ngokubanzi umsebenzi.

Enye into eyenzekayo (okanye mhlawumbi inzuzo kuxhomekeke kwifilosofi yakho) ye-IRA elula kukuba abanikazi beakhawunti abanakho ukuthatha imali mboleko kwiimpahla zabo njengokuba banakho nge-401 (k) icebo .

Iimpazamo ze-IRA eziNcinci

Kubanikazi boshishino abafuna ukugcina ngaphezulu umhlalaphantsi , unokufumanisa ukuba iMingcele yegalelo elula ye-IRA inikezela ngakumbi kunezinye ikhefu ze-akhawunti yomhlalaphantsi. Kungenxa yokuba zombini inkampani kunye nomntu ngamnye unokuthatha inxaxheba, oku kuthetha ukuba abantu abaqeshwe ngabanye bazuza ngenxa yokuba bayakwazi ukudibanisa negalelo labo, banike amandla okufaka isandla ngokuphindaphinda kabini inani le-Old Age ye-ARR.

Ngokwe-IRS, iMida ye-IRA elula ilandelayo:

Abaqeshwa banokufaka isandla kwi-$ 12,500 ngo-2017. Ukuba umqeshwa uneminyaka engama-50 okanye ngaphezulu, banokwenza "iminikelo yokubamba" eyongezelelweyo eyi-$ 3,000 eyi-$ 15,500 xa ivunyelwe isicwangciso. Ukongezelela, ukuba umqeshwa uthatha inxaxheba kwisiphi na esinye isicwangciso phakathi konyaka kwaye unomvuzo wokunciphisa umvuzo phantsi kwezi zicwangciso, umqeshwa unako ukufaka i-$ 18,000 ngaphezulu kwiiplani zonke.

Abaqeshi banokufaka isandla kumdlalo we dollar-to-dollar ukuya kwi-3% yentlawulo okanye i-2% engenayo inxaxheba kwi-akhawunti yabasebenzi babo.

IRA Iingeniso

Kunokwenzeka ukwenza i-IRA ilula, kodwa kukho iziphumo ezibi. Okokuqala, nayiphi na i-IRA elula yokurhoxiswa ifakwe kwingeniso yomnini-akhawunti kwaye iphantsi kwentlawulo yengeniso.

Ngaphezulu, kukho i-penalty ekhethekileyo yokurhoxiswa kwangaphambili kwe-10% kwi-All IRA Simple withdrawals phambi kweminyaka eyi-59.5 ubudala. Ukongezelela, ukuba ukuhoxiswa kwenzile kwithuba leminyaka emibini yokuqala yokuthatha inxaxheba kwisicwangciso se-Simple IRA, irhafu yentlawulo ye-10% yenyuka ibe ngama-25%.