Ukususela kwi-IRAs ukuya kwiipenshini, Fumana oko kuhlawulwayo
Ngezantsi uludwe lwemithombo eqhelekileyo yengeniso yomhlalaphantsi, iphule phantsi kwerhafu yengeniso yomhlala-phantsi, ingeniso yempesheni yomhlalaphantsi, kunye nengeniso yomhlala-phantsi yomvuzo.
Sebenzisa olu luhlu kuphela ngesikhokelo esiqhelekileyo. Kumele usebenzise izikhokelo ze-IRS, ezinokutshintsha, okanye umlungisi werhafu ofanelekileyo owaziyo ngemali yakho, ukunika ingxelo yokugqibela malunga nezinto eziza kubangela ukufumana umvuzo wakho womhlalaphantsi.
Imithombo ehlawulwanga yerhafu yomhlalaphantsi
Lindela ukuba zonke iindidi ezilandelayo zokufumana umhlala-phantsi ziza kuhlawulwa kwiirhafu eziqhelekileyo zerhafu yengeniso.
- Ukurhoxiswa kwizicwangciso zomhlala phantsi: Ukuba isicwangciso sasixhaswa ngeerola engaphambi kweerhafu, nokuba nguwe okanye umqeshi wakho, kuya kubangela i ngeniso yomhlala-phantsi xa ithoxisiwe. Lindela kakhulu izinto zonke zokurhoxiswa kwii-IRAs , 401 (k), 403 (b), ii-SEPS, IZIMPAWU kunye nezinye iindidi ezifanayo eziza kuhlawulwa.
- Ingeniso yempesheni: Uninzi lweepensheni zihlawulwa, nangona kunjalo, ezinye iintlobo zeempesheni zempi okanye ukukhubazeka kweepension zingabhalwa okanye zingenasiswanga ngokupheleleyo. Umnikezeli wakho wepenshini uza kukuthumela ifom ye-1099 ekuqaleni kwonyaka ngamnye ekubonisa ukuba uninzi lwakho lomhlalaphantsi luhlawulwa.
- Ingeniso yezoTyalo-mali kwiingxelo ezingekho phantsi komhlala-phantsi : Inzala, izabelo kunye neenzuzo ezinkulu ezivela kwii -akhawunti ze-non-retirement ziya kuxelwa kuwe kwifom ye-1099 ngonyaka kwaye uza kuhlawulela irhafu kwininzi lwaloo ntlawulo-mali njengoko ifunyenwe. Ikhefu iya kuba nayiphi na imali eyinzuzo ewela kwizinga leerhafu yepesenti - awuyihlawuli irhafu kuloo nxalenye yemali eyinzuzo. Kodwa ke, phawula ukuba inzala, izabelo kunye neenzuzo ezinkulu ezivela kwiingxelo ezikhishwe irhafu , njenge-IRAs okanye 401 (k) izicwangciso, azihlawulwanga ngonyaka. Kunoko, yonke ingeniso-mali enjalo kule ntlobo zee-akhawunti ichithwa uze uthathe ukuhoxiswa. Ngexesha lokurhoxiswa, inani lokurhoxiswa lihlawulwa.
- Ukurhoxiswa kwi-annuity: Xa uthabatha imali kwi-annuity engaguqukiyo okanye echaseneyo ( engekho i-akhawunti ye-IRA okanye i-akhawunti yomhlalaphantsi) imithetho ye-IRS ithi nayiphi na inzuzo kufuneka ihoxiswe kuqala, kwaye le ntlawulo ihlawuliswa njengenzuzo eqhelekileyo. Xa yonke inzuzo ihoxisiwe, uya kuhoxisa isiseko sakho seendleko okanye inqununu. Ukurhoxiswa kwesiseko akubalwanga njengenzuzo yempesheni yomhlalaphantsi.
Ingeniso yempesheni yomhlalaphantsi
Imithombo elandelayo yemali engenayo yomhlalaphantsi ayifumanekanga ngokupheleleyo.
- Ukhuseleko Lentlalo: Naluphi na indawo ukusuka kwi- zero ukuya kwi-85% yeNgeniso yeNtlalo yeNhlala-mali inokuhlawulwa , kodwa ayikho i-100% yayo. Ukuba ezinye iimithombo zengeniso zingaphantsi kweembalo ezibekwa yi-IRS ke zonke iinzuzo zakho ziza kuhlawulwa irhafu, kodwa ukuba ezinye iimithombo zengeniso zingaphaya komyinge, ngoko umgaqo-nkqubo uchaza ukuba yeyiphi ipesenteji yezibonelelo zakho kuya kuba phantsi irhafu. Iindaba ezilungileyo zi-15% zeenzuzo zakho zoKhuselo lweNtlalo zihlala zihlawulelwa irhafu.
- Ukurhoxiswa kwe- IRA ye- Nondeductible : Ukuba unemikhankaso yendabuko yangaphambili yentlawulo ye-IRA kunye ne-tax-tax non-deductible IRA, ngoko ke inxalenye nganye ye-IRA ukuxothwa kwe-IRA engenakudalulwa ingabonwa njengenzuzo kwaye inxalenye iya kuba yintlawulo yakho. Ingeniso yesabelo ithathwa njengenzuzo ehlawulwayo yomhlalaphantsi.
- Ingeniso evela kwi-annuity esheshayo eyathengwa ngemali yerhafu emva kokuba uthenge i-annuity ngemali emva kwentela inxalenye yentlawulo nganye oyifumanayo inzala, kwaye inxalenye yinto yokubuyisela inqununu. Inxalenye yenzalo ityala. Ukuba i-annuity esheshayo yathengwa ngemali engekahlawulwanga ngaphambili, njenge-IRA okanye i-akhawunti yomhlalaphantsi, yonke inzuzo iya kuhlawulwa.
- Imali yokufumana imali kwi-inshorensi yobomi bomshuwalense wobomi: Ixabiso lemali-mali yemigaqo-inshorensi yempilo inexabiso lexabiso-ngokuqhelekileyo lilonke leeprayimari zonke ozihlawuleyo. Xa ufaka imali kumgaqo-nkqubo ukuba ixabiso lakho lemali lidlula isiseko sakho, ke loo nxalenye ithathwa njengenzuzo kwaye iza kuhlawulwa. Qaphela - ukuba unomboleko obalaseleyo kumgaqo-nkqubo oba nzima kakhulu. Emva kokuba uthathe imali mboleko kwi-inshorensi yobomi bokuba uyaphela umgaqo-nkqubo ngaphambi kokuhlawula imali mboleko, ke inxalenye yemali-mboleko ingaba yinzuzo ehlawulwayo.
Ingeniso yomhlala-phantsi yomvuzo
Kwaye kuphelile, kodwa kungabi ncinane, uhlobo oluhle lomvuzo - uhlobo olungenanto yerhafu. Le mijelo elandelayo yemali ingeniso yerhafu.
- Ukurhoxiswa kwe- RRA IRA : Ukurhoxiswa kwe- RRA IRA ayinanto yentlawulo xa uhlangabezana neemfuno zokurhoxiswa kweRoth IRA . Ukongeza, iRoth IRA ihoxiswa ayifakiwe kwifomyula ebonisa ukuba lukhulu kangakanani ukukhuselwa koKhuseleko lweNtlalo, kwaye ayifakiwe kwifom ebonisa ukuba kuninzi kangakanani kwi-premium ye-Medicare Part B oya kuhlawula.
- Inzala engeniso kumabhondi kamasipala: Ininzi yemali engenayo yebhondi ayinakho kwi-tax revenue tax, kodwa unakho ukuxhomekeka kwerhafu yengeniso karhulumente kule fom yengeniso yomhlalaphantsi.
- Imali evela kwiinshorensi yobomi bomshuwalense
- Imali evela kwingxowa-mboleko ephindaphindiweyo: iintlawulo zenyanga okanye iimali ezifunyenwe kwi-mortgage reverse azihlawulwanga. Oku kunika imali yokuhlawula imali efihlakeleyo ukuba abantu abaninzi bayakujongela.
- Imirhumo yerhafu emva kwexesha: Ukuba ulondoloze imali yentela emva kwe-401 (k) okanye enye icebo lenkampani ke xa uhoxisa loo ngxenye ayifumaneki.
- Nayiphi na ukubuya kwinqununu okanye kwisiseko seendleko : Ngokomzekelo, ukuba uthenge i-annuity eguquguqukayo kunye ne-$ 10,000 yemali yentela emva kwentlawulo. Uyayithengisa kwiminyaka engama-60 xa ixabisa i-$ 12,000. Inzuzo engama-2,000 yenzuzo ihlawuliswa njengeniso eliqhelekileyo. I-$ 10,000 isiseko sakho seendleko, okanye inqununu yokuqala, kwaye ayikho imali engenayo.
- Ukufumana ukuthengiswa kwekhaya lakho : Uninzi lwabantu lufumana ukufumana ukufumana ukuthengiswa kweentlawulo zabo zentlawulo yokuhlala . Ukuba inzuzo ingaphantsi kwe-$ 250,000 enye, okanye ngaphantsi kwama-$ 500,000 kwiifayile ezitshatileyo, uhlala ekhaya ubuncinci kwiminyaka emihlanu edlulileyo kwaye wadibana nezinye iimfuno ze-IRS.
Njengoko unokubona kwiluhlu olungentla apha, irhafu ephantsi komhlalaphantsi iyahlukahluka ngokubanzi ngokusekelwe kuyo apho ingeniso evela khona. Nangona kunjalo, ngokugcina nokucwangcisa okufanelekileyo, unokunciphisa inani leerhafu ozihlawulayo ngomhlalaphantsi.