Ukuchazwa koThutho loRhafu kunye nendlela onokukunceda ngayo
Ukwahlula kweRhafu Inkcazo
Ulwahlulo lwentlawulo yexesha lezemali elibhekiselele kulwabiwo-mali lwentalo-mali kwii-akhawunti ezingaphezulu kweyodwa.
Ulwahlulo lwentlawulo lufana neendawo ezikhoyo (kungekhona ukudideka nokunikezelwa kweempahla ), okubhekiselele ekusabalaleni iindidi zentengo kwiintlobo ezahlukeneyo zeakhawunti ( indawo yendawo yokutyala) kunye nokukhetha iintlobo ezifanelekileyo zokutshala imali ezisebenza kakuhle kula ma-akhawunti.
Iintlobo ezimbini eziphambili ze-akhawunti zezobalo-mali zi-akhawunti ezihlawulisiweyo kunye neakhawunti ezihlawulwe irhafu. Xa utyalo-mali kwi-akhawunti ehlawulisiweyo, inani lemali oyityalayo ayikho inkokhelo yerhafu, kwaye ayikhuli imali yentela. Kunoko, umtyalo-mali uhlawuliswa kwizahlulo, ukuba kukho na, kunyaka, kunye neenzuzo ezinkulu xa kwaye utshutshiso luthengiswa ngentengo ephezulu kunokuba kuthengwe. Ngama-akhawunti ahlawulwe irhafu, afana ne-IRAs kunye ne-401 (k), imali etyalomali ikhula ihlawulelwa irhafu ize ihoxiswe.
Yintoni eyenzekayo ngaphandle koKhutshwa kweRhafu
Ubulumko obuqhelekileyo buchaza ukufaka zonke iindleko zokugcina umhlala-phantsi, njengokugcina umhlala-phantsi, kwi-401 (k), ukuba ikhona ngomqeshi kwaye ubuncinci ukuya kumdlalo womqeshi, kwaye uncedise nayiphi na enye imali ekhoyo kwiRoth IRA .
Ngokubanzi, eli ngcebiso elungileyo. Nangona kunjalo, abatyali-mali abaninzi benza impazamo yokukhulisa i-401 (k) ngaphezulu komdlalo womqeshi ngenjongo yodwa yokunciphisa imali engenayo ehlawulwayo. Okanye bangenza iphutha elikhulu kwaye batyale imali eyongeziweyo kwi-IRA yendabuko, endaweni yeRoth IRA, ngenxa yezizathu ezifanayo (ukugcinwa kweentlawulo zangoku).
Isizathu sokuba le nto ibe yimpazamo kukuba ininzi okanye bonke abatyali-mali abanokugcina ixesha elide banokupheliswa ngokugqitywa ngokupheleleyo kwi-akhawunti yokulondoloza irhafu. Kutheni le ngxaki? Ukuba yonke imali yakho yokugcina umhlala-phantsi ihlawulwe kwi-akhawunti, njengowama-401 (k) kunye ne-IRA yendabuko, unokuphelisa ukuhlawula irhafu ephakamileyo xa umthombo wakho kuphela wokufumana umhlalaphantsi uvela kule akhawunti. Nangona igalelo kule akhawunti azihlawulwanga, ukuhoxiswa ku-100% kuhlawulwa abatyala-mali kwizinga lokuhlawula irhafu yengxowa-mali. Ngoko ke, ukuba iireyithi zerhafu ziya phezulu okanye ukuba i-bracket yakho yerhafu iya kuphakama ebomini bakho, nokuba yiyiphi into enokwenzeka, unokuhlawula ngaphezulu irhafu ngaphandle kokuba uneminye intlobo ye-akhawunti, njenge-akhawunti ehlawulwayo kunye / okanye i-Roth IRA.
Kwakhona, ukuba ufuna ukuthatha umhlalaphantsi phambi kokufaneleka kweenkonzo ezipheleleyo zoKhuseleko lweNtlalo, kungabakho ukuhlakanipha ukuba neakhawunti apho ukurhoxiswa kuhlawulwa intela esezantsi (okanye ungakhange uhlawuliswe nakwezinye) kule minyaka ebalulekileyo yokuthatha umhlalaphantsi.
Ukufumana okungakumbi kule nto, yabona inqaku lam: Ngaba i-IRA yeNdabuko ifile?
IiNzuzo zoThutho lweRhafu
Njengoko usenokuba uqikelele ukuba, iintlobo zentlukwano yeentlawulo (ukusasazeka kolwazi phakathi kweendidi ezahlukeneyo ze-akhawunti) kufana nokuhlukahluka kotyalo-ukunciphisa umngcipheko.
Ngokomzekelo, ireyithi yerhafu yexesha elide lokufumana intlawulo kwiimali ezihlawulwayo i-15%. Nangona kunjalo, ukurhoxiswa kwe-akhawunti ehlawulwe irhafu kuya kuhlawulwa irhafu kwi-brederal tax tax bracket yomntu ngamnye (okanye isibini ukuba uyifake ngokubambisana). Oku kungaba ngama-25% okanye ngaphezulu kwabaninzi abahlala phantsi.
Kwakhona, uzakufumana uninzi lwentlawulo yokushiya irhafu ngokushiya 401 (k) yakho kunye nemali yendabuko ye-IRA engafunyanwanga kunye nokukhula kerhafu ngokukhawuleza. Ngako oko kubulumko ukurhoxisa i-akhawunti kunye neRoth IRAs kuqala kumhlalaphantsi kwaye uhoxise kwiakhawunti ezichazwe ngerhafu kamva.
Ukuba ufuna ukuthatha umhlalaphantsi kwangaphambili, ngakumbi ngaphambi kokuba ufikelele kwiminyaka engama-59 / 1/2, xa u-401 (k) kunye nokurhoxiswa kwe-IRA kwendabuko kuya kufumana i-penalty "yokuhoxiswa kwangaphambili" kwi-10%
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.