IRAs: Uhlolo
Okokuqala, ukuhlaziywa ngokukhawuleza kwendlela i-IRAs isebenza ngayo. Kwabo abangama-49 nangaphantsi, i-akhawunti yomhlala-phantsi ngamnye ivumela abatyali-mali ukuba banikezele i-$ 5,500 engaphezulu okanye imali yokuhlawula irhafu yonyaka, ngokusekelwe kwimithetho ye-2014.
Abo baneminyaka engama-50 nangaphezulu banokufaka i-$ 6,500 ngonyaka.
Abatyalomali akumele bahlawule irhafu kwi-interest kunye ne-capital gain abayifumana ngaphakathi kwe-IRA. Kunoko, xa beqala ukuthatha isabelo (oko kukuthi, ukususa imali kwi-IRA), bahlawula irhafu kule mijelo njengengeniso eqhelekileyo. Umnini we-IRA angaqala ukuthatha le ntlawulo ngaphandle kwenjelo kwiminyaka engama-59 ½ ubudala, kodwa akadingeki ukuba asasaze kwi-70 ½ yobudala. Uluhlu olupheleleyo lwemiqathango ye-IRA iyafumaneka kwiNkonzo yangaphakathi yeNgeniso.
IRA njengeNxalenye yeSithombe soBonke
Ngokubhekiselele kwisicwangciso sotyalo-mali lwe-IRA, kubalulekile ukucinga nge-akhawunti njengenxalenye yesicwangciso sakho sotyalo-mali jikelele , kungekhona njengento ekhethekileyo. Ngamanye amagama, i-IRA ayifanele ibe yinto ehlukeneyo ngokwayo. Kunoko, ingasetyenziselwa ngokusemgangathweni ukugcina utyalo-mali olunokwenzeka ukuba luvelise inqanaba eliphezulu lentlawulo engenayo kunye / okanye ukunikezelwa kwemali eyinzuzo .
Ngaloo ndlela, irhafu ichazwa kude kube ngumhla ozayo kamva, kunokuba ihlawulwe ngo-Apreli olandelayo.
Ukwenza Uninzi lweNkohlakalo yokuTyala
Ubume be-IRA bentlawulo ehlawulwa irhafu yeso sizathu sokuba abatyalo-mali bahlala becebise ukuba babeke imali ye-bond kwi-IRA yabo. Ekubeni umvuzo oveliswe yi-bond bond uhlawuliswa, abatyali-mali abenza le ngeniso kwiingxelo ezihlawuliswayo banokubona ngokukhawuleza kwimbuyekezo yabo emva kwentela.
Ukukhangela ngenye indlela, utyalo-mali kunye nomvuno we-4% unikezela isivuno esilandelayo emva kwe-3% kumtyalo-mali kwi-bracket yama-25%. Ngenxa yoko, izibophelelo zoshishino eziphezulu kunye nezikhulayo- okanye nayiphina inxalenye yeemarike ezivelisa ngeniso -engaphezulu-eziqhelekileyo ngokufanelekileyo kwi-akhawunti ye-IRA.
Iimali ze-Stock: IRA okanye i-Akhawunti rhoqo?
Izitokisi zisebenza njani kwi-equation? Emva koko, amasheya anakho ukuvelisa i-long-capital gain - kunye ne-bill yerhafu ehambelanayo - kunezibophelelo. Nangona kunjalo, ukuzuza kwexesha elide (inzuzo ekuthengiseni ipahla ezigcinwe ngaphezu konyaka omnye) njengangoku ihlawuliswa kwiirhafu ezingcono kuneniso (inqanaba libandakanya inzala evela kwiibhanki kunye neengxowa-mali). Ngaphantsi kolawulo lwe-2014, abatyali-mali kwi-25%, 28%, 33%, okanye iibhakethi ezingama-35% zerhafu zihlawula i-15% kwiinzuzo zangexesha elide, ngelixa i-39.6% ibakaki ihlawula i-20%. Abo bakwi-sub-25% mabakaki banesilinganiso se-0% yentlawulo kwiingeniso-mali zangexesha elide.
Ngokuqhelekileyo, ukuthengwa kwemali-mali kunye neengxowa-mali ze-stock-stocks ezifanelekileyo zentela zifanelekile ngakumbi kwi-akhawunti engapheliyo (engeyi-IRA), ngelixa iibhonkco zifanelekile kwiimoto ezichasiweyo zerhafu ezifana ne-IRAs.
Xa uthethile, i-akhawunti yokurhweba okanye imali ye-stock ekhupha i-short-term ye-capital earnings yindlela efanelekileyo yokukhetha i-IRA kunokuba i-akhawunti rhoqo.
Gcina ukhumbule ukuba esi sikhokelo esiqhelekileyo kwaye ngamnye umntu unemeko eyahlukileyo.
Kwakhona kubalulekile ukuqaphela ukuba ibhola lokuphila lidlala indima. Ekubeni ama-stocks afana nokugqithisa ngokugqithiseleyo kwixesha, umntu omncinci onokuba neminyaka engama-50 ukutshala imali angabona ixabiso eliphezulu kakhulu elivela kwiimpahla ngaphandle kweebhondi, eziza kubeka ukubeka izitokisi kwi-IRA ekuqaleni. Nangona kunjalo, ngokukodwa ixesha, abatyali-mali bahlengahlengisa iiphothifoliyo zabo ngokubhekiselele kwiibhondi njengoko zikhula kwaye zifuna ukugcina inqununu . Kule meko, kungenangqiqo ukusebenzisa i-IRA kule njongo.
Gwema ukugcina amabhondi kaMasipala kwi-IRA
Enye yezona zinto zibalulekileyo ziqikelele ukuphepha ukufumana izibophelelo zikamasipala kwi-IRA. Ukukhangwa kwe-munis kukubalulekileyo kukuba inzala kunye neengxowa-mali zoomasipala zikwi-tax exemption, oku kuthetha ukuba nabo bathambekele ukunikezwa kwezivuno ezingaphantsi kweerhafu kunezibophelelo zentlawulo .
Ekubeni inzala kunye neenzuzo eziyinkunzi kwi-IRA sele sele ihlawulwe irhafu, akukho nzuzo yokubamba i-munis kwi-IRA. Endaweni yoko, sebenzisa i-akhawunti rhoqo (engeyi-IRA) ukubamba i-munis, kwaye ulondoloze i-IRA ngolunye utyalo-mali.
IINGCACISO kwi-IRA
Iimali-mali eziKhuselekileyo (i-TIPS) zingakukhetha kakuhle kwi-akhawunti ye-IRA. Ixabiso lenqununu le-TIPS linyuka ngokubambisana nokunyuka kwamaxabiso, okuvumela abatyali-mali ukuba bavelise ngokwenene (emva kwe-inflation) ukubuya . Nangona kunjalo, ukubanjwa kukuba ixabiso leebhanki lilungisa unyaka ngamnye ukususela kwinqanaba le-bond likhutshwa lize likhule-kwaye abatyali-mali kufuneka bahlawule irhafu kulolu lungiso olusentla. Ukubamba ii-AIPS kwi-IRA, ngoko ke kunengqiqo, kuba ivumela abatshali-mali ukuba bafumane inzuzo epheleleyo yokulungiswa kwexabiso lentengo kunye nokuphepha iintloko ezinxulumene nokuhlawula irhafu yonyaka.
Ukugqibela kokucinga
Iingqwalasela zerhafu ziyinxalenye ebalulekileyo yesicwangciso sotyalo-mali esisisiseko njengoko zinokunceda abatyali-mali ukuba banyuse i-returns tax tax. Kodwa gcinani engqondweni, ukuba izicwangciso ezibaluleke kakhulu zesicwangciso esicatshulwa kakuhle ziinjongo zakho, ukunyamezela , kunye nexesha elide. Njengoko ilizwi elidala lisithi, "Ungavumeli ukuba umsila werhafu ugotye inja yotyalo-mali."
Kwakhona, khumbula ukuba oku kuphela isikhokelo. Ukuba unemibuzo ethile malunga neemeko zakho, qiniseka ukuba uqhagamshelane nomcebisi-mali kuphela.
Ukuziphendulela : Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lithathwe njengengcebiso-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso. Qinisekisa ukubonisana notyalo-mali kunye nabaqeqeshi berhafu ngaphambi kokuba utyalomali.