Ukuba ukhetha ukungahlawulwanga irhafu, kwaye uhlawula irhafu yakho, unokuphelisa ukuhlawulwa kweerhafu kunye nezohlwayo zentlawulo.
Ukuze ugweme oku, uza kufuna ukuqikelela umvuzo wakho wonyaka, kwaye ubeke ityala lakho ngokubambelela ngokufanelekileyo.
Ingakanani Imirhumo Okufanele Uyiyeke?
Ukuba usanda kutsala umhlalaphantsi, kunokuba kunzima ukufumanisa ukuba zininzi iintlawulo zokubamba umhlalaphantsi wakho njengoko inqanaba lakho lentlawulo lixhomekeke kwimithombo yakho yendlu yengeniso kunye nokuncitshiswa.
Xa ungeze yonke imvelaphi yakho yemali engenayo kwaye ukhupha i-deductions yakho, ufumana iholo lakho lentlawulo. Ingeniso yakho ehlawulwa irhafu inquma i-bracket yakho yerhafu, kwaye ungasebenzisa le bhakethi yerhafu ukuqikelela ukuba ungaphila. Xa ukhangela ishati yerhafu ungabona ukuba imali ephezulu yerhafu iya kuhlawulwa irhafu kwizinga eliphezulu.
Isicwangciso soRhafu singakunceda ukuba ufumane inani elifanelekileyo lokubamba. Ngokucwangcisa irhafu, ubeka ndawonye "ukuzenza" ukubuyisela irhafu, okubizwa ngokuba yerhafu yokubala. Njengoko utshintshela kumhlala phantsi, unokufuna ukusebenza kunye neCPA, uchwephesha werhafu, okanye umcwangcisi womhlalaphantsi ukukunceda ngale nto.
Ukuba ukhetha ukwenza ngokwakho, ungazifaka iifowuni kwi-calculator yerhafu ye-intanethi ye-intanethi ukuze ufumane uqikelelo olubi. Okanye unako ukuzalisa ifom yakho yerhafu yefesti ngokungathi ubeka iirhafu. Landela imiyalelo ukubona apho umthombo ngamnye wembuyekezo uhamba khona. Bala irhafu ocinga ukuba uya kuba netyala. Hlukanisa ukuba ngumvuzo wakho.
Sebenzisa iimpendulo ukuze ubone ukuba yeyiphi ipesenti yokubamba.
Ngokomzekelo, masithi imali yakho engenayo iya kuba yi-20,000 yee-pension ukusuka kwipenshoni kunye ne-30,000 zama-dollar ukuba uya kuhoxisa kwi- IRA yakho. Ugcwalisa ukubuyisela irhafu yentlawulo kwaye wenzela ukuba uya kuhlawulwa i-$ 5,000 kwiirhafu. Eli lizinga le-10%. Unako ukufumana i-10% kwimirhumo yentlawulo egcinwe ngqo kwi pension yakho kunye nokuhanjiswa kwe-IRA ukwenzela ukuba ufumane i-18,000 eyi-18,000 kwi pension yakho kunye ne-$ 27,000 kwi-IRA yakho.
Xa Utshintshela njani Ingxowa eninzi ikhutshwa kwiPensheni yakho
Xa usebenza, unokutshintsha inani leerhafu eligcinwe kwi-paycheck yakho ngonyaka. Xa uhlala phantsi, unokwenza oku. Xa imeko yakho yerhafu iguqulwa, uya kufuna ukulungisa ukuhlawula irhafu yakho.
Umzekelo, unyaka wokuqala wokuthatha umhlalaphantsi unokufumana inxalenye yomvuzo wonyaka, kwaye unokuba neqabane elisasebenza. Oku kuthetha ukuba ungadinga ukunqanda inani lemali yentlawulo kwi pension yakho kuloo nyaka. Kwiminyaka elandelayo, ingeniso yakho ingatshintsha, oku kuthetha ukuba kufuneka uhlengahlengise irhafu yakho.
Ezi ziganeko ezilandelayo zingabangela isidingo sokutshintsha irhafu yakho yerhafu emhlala phantsi:
- Umtshato uyeka ukusebenza
- Wena okanye umlingane uthathe umsebenzi wesikhathi-sithuba
- Uhlawula umboleko okanye uthathe imali
- Unomlinganiselo omkhulu weengeniso zentlawulo ezihlawulwayo ngokuthengiswa kwepropati, imali kunye kunye nempahla
- Uthabatha i-IRA okanye i-401 (k) akhawunti
- Wena okanye umlingani uqale inzuzo yeNtlalo yoLuntu
- Ufikelela kwiminyaka engama-70 kwaye kufuneka ukuba izabelo ze-IRA ziqale
Sitshintsha ekukhunjeni xa Uqala uxolo loLuntu
Abaninzi abahlala phantsi abanomhlala-phantsi bayothuka ngenxa yokwanda kweerhafu xa beqala ukuKhuseleko loLuntu . Imali yeenzuzo zakho zoKhuseleko loLuntu phantsi kohlawulo lugxininiswe kwiminye imithombo yemali engenayo. Ukuba umhlala-phantsi wakho waqalisa iminyaka embalwa edlulileyo kwaye ngoku uqala iiNzuzo zoKhuseleko lweNtlalo , kuya kufuneka ukuba ukwandise ukuhlawula irhafu yakho.
Sitshintsha ekukhunjweni xa ufikelela kwiminyaka eyi-70
Xa ufikelela kwiminyaka engama-70 ½, kufuneka uqale ukuhambisa ukusasazwa kwi-akhawunti ye-IRA kunye nezinye izicwangciso zokuthatha umhlalaphantsi ezifanelekileyo ezifana ne-401 (k).
Ezi ntlawulo zibandakanyiweyo njengengeniso ehlawulwayo yerhafu kwi-tax return yakho. Uninzi lwexesha uya kufuna ukuhlawulwa irhafu kwii-IRA / 401 (k) izabelo.
Abanye abantu bathatha ulwabiwo lwe-IRA okanye imali-mali ye-401 (k) isicwangciso sokuqala kunyaka kwaye uyalibala malunga nexesha lokufakela irhafu yabo yentela. Bayamangalisa ngemali yentela abahlawulwayo. Ungavumeli ukuba oku kwenzeke kuwe. Naliphi na ukurhoxisa imali kuyo nayiphi na i-akhawunti kumhlalaphantsi ubuze malunga neempembelelo zerhafu. Kungcono ukucwangcisa phambili kunokuba uphume emva kweerhafu.