Ukukwazi kwakho ukuthatha inzuzo ye-IRA kuya kuxhomekeke kwimingcele engezantsi.
Kubalulekile ukuhlola iimfuno zokufaneleka ezibekwa yi-IRS. Ukuba uvumelekile, Ngo-2018 ungathatha inzuzo ye-IRA yokunikela kwi-IRA yendabuko kwimali ukuya ku:
- U-5 500 $ kuloo minyaka yobudala engama-49 nangaphantsi.
- U-6 500 $ wale minyaka yobudala engama-50 nangaphezulu.
Imida kwi-IRA Ukukhutshwa
- Ukuncitshiswa kwe-IRA kungancinci ukuba uncedise kwisicwangciso somhlala-phantsi oxhaswe yinkampani.
- Ukuncishiswa kwe-IRA yakho inokuthi iyanqunyulwa ngokuxhomekeka kwisixa kunye nenhlobo yengeniso oyifumayo.
Iinkcukacha malunga nokunciphisa ukutsalwa kwe-IRA zidweliswe ngezantsi. Unokufunda kwakhona ngokuya kwiwebhusayithi ye-IRS.
IRA Ukunciphisa Umlinganiselo Xa UnesiCwangciso soKhathalelo seRhafu
Umntu uthathwa njengenxaxheba kwiplani yomhlala-phantsi oxhaswe ngabaxhasi ukuba ibhalansi ye-akhawunti ifumene nayiphi na iminikelo kuwo wonke unyaka owenziwe, nokuba ngaba yonke iminikelo yenkampani. Ukuba uthatha inxaxheba kuyo nayiphina inkampani exhasayo izicwangciso zomhlala-phantsi, ngoko ke ukukwazi kwakho ukurhola igalelo lakho le-IRA kwiirhafu zakho zentlawulo kuxhomekeke kwimingeni engeniso engezansi:
- Ngo-2018, ukuxothwa kwe-IRA kukhishwa xa unama-$ 63,000 kunye ne-73,000 yezigidi zeengeniso ezipheleleyo (AGI) ezichanekileyo. Ukuba i-AGI yakho eguqulelwe ingaphezu kwee-73,000 zamawaka awuvunyelwe ukuba uhlulwe. (Uhlobo lwe-phase7 lwama-2017 lwaluyi-$ 62,000-$ 72,000.)
- Ngo-2018, ukuxothwa kwe-IRA kuphakanyisiwe phakathi kwe-$ 101,000 kunye ne-121,000 (ukusukela ngo-2017 udidi lwe-99,000-$ 119,000) uma ufakwa ngokubambisana okanye ukuba ungumhlolokazi ofanelekileyo. Ukuguqulwa kwe-AGI ngaphezulu kweedola ezili-121,000 akuvumeli ukuxothwa.
Kuthiwani Ukuba Umtshato Wami Unesicwangciso seRhafu yeRhafu kunye neNxaxheba?
Ukuba awunayo inxaxheba kodwa iqabane lakho, ngoko, i-IRS ikuvumela ukuxothwa ngokupheleleyo kwiimilinganiselo zomrhumo ukuba umvuzo wakho wekhaya ungaphantsi kweendlela ezilandelayo:
- Ngo-2018, ukuxothwa kuphakanyisiwe phakathi kwe-189,000 kunye ne-199,000 yengeniso epheleleyo echitshiweyo yokutshata ngokutshata ngokubambisana xa omnye umlingani ungumcebisi wequmrhu lomhlala-phantsi. I-AGI eguqulwe ngaphezu kwe-199,000,000 ayivumeli ukuxothwa. A
Imilinganiselo yeNgeniso kwi-IRA Ukukhishwa
Kufuneka ube nemali engenayo ukuze wenze igalelo le-IRA. Imali engenayo imali ayibaleki. Ingeniso yengeniso ingabalwa.
- Ngethuba nje wena okanye umlingani obatshatileyo engabandakanyeki kwisicwangciso somhlala-phantsi oxhaswe yinkampani, wena kunye neqabane lakho lingathatha inzuzo ye-IRA kungakhathaliseki ukuba ungakanani.
- Ukuba uyithatha inxaxheba kwiplani yomhlala-phantsi oxhasiweyo, inkcitho yakho ye-IRA izakuxhomekeka kwimingcele yembuyekezo echazwe kwicandelo elingentla.
- Ukuba unayo imali eyaneleyo yokufumana ingeniso, ungenza igalelo le-IRA, kwaye uthathe ukutsalwa kwe-IRA, kumlingane ongasebenziyo. Oku kubizwa ngokuba ngumtshato we-IRA .
Roth IRA Iminikelo
Iminikelo ye-Roth IRA ayifanelekanga kwi-deduction ye-IRA, kodwa unako ukufaka isandla kwiRoth IRA okanye eRoth 401 (k).
Imirhumo ye-IRA engaxhasi
Ukuba awufanelanga ukuxothwa kwe-IRA, unokwenza igalelo. Kubizwa ngokuba ngumnikelo we -IRA ongekho-deductible , kunye neengxowa-mali ngaphakathi kwe-akhawunti ziza kukhula i-tax-backerred until ukwabiwa kwenzeka.