Nantsi indlela i-IRA yokuNikwa kweeNkcazo zokuNikwa kweeNkcazo ziSebenza ngokwenene
Ngokucacileyo, i-IRAs yendabuko inokunika abatyalo imali yokunciphisa irhafu kwintlawulo engaphambi kweerhafu namhlanje kunye nokukhutshwa kweerhafu ngokubhekiselele kwixa elizayo kanti iRoth IRAs inikezela abatyala-mali ithuba lokutyalisa imali yentela emva kwerhafu kwi-akhawunti ehlawulwe irhafu kunye nokunikezelwa kwentlawulo yerhafu. umhlalaphantsi. Ewe, ezi ngxaki ziza kunye neenqobo zeemigaqo kunye neendlela zokufaneleka, okufuneka ziqwalaselwe xa zigqiba ukuba yiyiphi enye i-IRA eyona nto ibaluleke kakhulu kuwe , kodwa ikwabelana ngesinye into efanayo, okuyimigangatho yabo yokugqibela.
IRA Annual Contribution
Unokuba negalelo kwi-Roth IRA yakho nayiphi na ixesha, ukwenza iincinci ezincinci kwixesha le-year okanye enye inkunzi yemali. Oko kwathiwa, iminikelo inqatshelwe ngokusekelwe kunyaka werhafu. Bobabini kunye neRoth IRAs banemida yabo kwiminikelo yonyaka kunye nemingcele kwiintlawulo zabo ezixhamliweyo zerhafu kuxhomekeke kwizinto ezinjengezinga lakho lokufakela kunye nokulungiswa kwemali engenayo .
Ekubeni kunemiqathango yenkxaso yonyaka (kwaye kwimeko ye-IRAs yendabuko inzuzo yerhafu ngokukhawuleza kunyaka werhafu apho igalelo lenziwe khona), kufuneka ukhethe unyaka werhafu apho igalelo lakho kufuneka libalwe.
Ukwenza igalelo lonyaka othile, kufuneka wenze njalo ngerhafu yokufakela irhafu yonyaka.
Kwiimeko ezininzi, oku kuthetha ukuba kufuneka wenze igalelo lakho ngo-Apreli 15 ukuze lifaneleke ukuba libaleke njengomnikelo wonyaka ongaphambili. Emva kwaloo mhla, igalelo kufuneka ithathelwe ingqalelo njengomnikelo wonyaka wangoku. Oku kuthetha ukuba abatyali-mali banenyanga ezili-15 ukufaka isandla kwi-IRA yabo yonyaka werhafu. Ngokomzekelo, ngenjongo ye-IRA ye-2017, abatyali-mali baneneni ukususela ngoJanuwari 1, 2017 ukuya ku-Ephreli 16, 2018 ukwenza igalelo labo (s) ukuya kumda wonyaka. Imirhumo yemigangatho efanayo yonyaka ifaka isicelo somtshato we-IRA, ovumela abasebenzi abasebenzayo ukuba benze igalelo elongezelelweyo le-IRA egameni lomlingane ongasebenziyo.
Kwiminyaka emininzi umrhumo wokugqibela wokwenza i-IRA iminikelo yonyaka werhafu onikeziweyo ngokuqhelekileyo ngo-Apreli 15 wonyaka olandelayo. Ngonyaka werhafu ka-2018, umhla wokugqibela we-IRA ngowama-Ephreli 17, 2018.
Umrhumo weMigangatho yeeNdabuko kunye neRoth IRAs
Umyinge ophezulu we-IRA we-IRA ngowama-5,500 ayi-$ 500 ngonyaka we-2017 no-2018 werhafu. Nangona kunjalo, ukuba uya kuba ngu-50 okanye ngaphezulu kwaphela ekupheleni konyaka, unako ukufaka i-$ 1,000 eyongezelelweyo, ukuze ube ngu-6 500 wemali yemali. Le mida iyasebenza kwizithethe zengingqi kunye neRoth IRAs. Nangona ufanelekile ukufaka isandla kuzo zombini izicwangciso, igalelo lakho elidibeneyo kuzo zombini i-akhawunti azikwazi ukudlula umda wakho ongentla ngentla (i-$ 5,500 okanye i-$ 6,500).
Ukukwazi ukufumana ilungelo lokuncitshiswa kwentlawulo ye-IRA kuxhomekeke kwimibandela emibini, kubandakanywa ingeniso yakho kunye nokuba uthatha inxaxheba kwelinye isicwangciso somhlala-phantsi esincomekayo. Imilinganiselo yemali ishintshana ngaphezu kwexesha. Iminikelo yeRoth IRA ayifumanekanga irhafu, yenziwe emva kwentela. Xa sele bekhona, ke, imali ayibhalwanga kwakhona. Kwanokuba uyayikhupha ngexesha lomhlalaphantsi. Nangona kukho ezinye izithintelo, ukunikezelwa kweeRoth IRAs akukho-ntlawulo. Ukuze ufanelekele iRoth IRA, kukho imingeniso yemali.
Iinguqu zeRoth IRA
Ngokungafani ne-IRA yendabuko okanye i-Roth IRA iminikelo, ukuguqulwa kweRoth akulandeleli ixesha elifanayo njengokuba uguqula impahla ye-IRA yempahla kwi-asethi yeRoth IRA, ukuguqulwa akukwenyathwa njengelona galelo.
Ezi zinto ze-IRA ziza kuba zibalwa njengenxalenye yeminikelo yonyaka yonyaka odlulileyo. Ngaloo ndlela, imali yokuguqulwa kweRoth ayikho phantsi kwemida efanayo ne-IRA kunye ne-Roth IRA. Unokuguqula imali ye-IRA kwiRoth ngasiphi na ixesha kwaye akukho mda ophezulu kumlinganiselo ongawuguqula.
Ukuhlaziywa nguScott Spann