Ezona zinto zimbini zezona zizwe: ukukhula kweerhafu nokukhutshwa kweentlawulo zamahhala
Iisiseko ze-IRA ezingenakudalulwa
IRA engekho-deductible ineemingcele ezifanayo kwaye ilawulwa yimiqathango efanayo ne-IRA yeNdabuko-umahluko wendlela umrhumo uphathwa ngayo kwi-tax return yakho.
Unokwenza igalelo le-IRA elingenakudalulwa kwi-akhawunti ye-IRA efanayo enegalelo elincinci , nangona kunjalo, ngenjongo yokulandelela. Ndikwacebisa ukuba uvule i-akhawunti eyahlukileyo kuyo yonke iminikelo engenakudalulwa.
Ngentlawulo yakho yerhafu, kuya kufuneka ufake ifom ye-8606 apho ubika khona isixa semali yakho ye-IRA eyayingenakudalulwa. Oku kuthiwa isiseko sakho.
Enye yeyona ndlela esebenzayo kakhulu ye-IRA engabonakaliyo yenzelwe abantu abafumana umvuzo ophezulu. Abanikezeli bemali ephezulu bangasebenzisa ii-IRAs ezingenakudalulwa ukufaka isandla kwiRoth IRA.
Ukusebenzisa i-IRA Contribution engeyiyo eDeductible kwi-Roth IRA
Kulabo abafumana imali eyaneleyo yokuba abafanelanga ukwenza igalelo leRoth IRA, banokufaka imali kwiRoth IRA ngendlela ejikelezayo. Unyaka ngamnye unokwenza igalelo le-IRA engekho-deductible kwaye uguqule i-IRA engekho-deductible kwiRoth. Uyakwazi ukuguqula i-IRA yakho engeyiyo-deductible kwi-Roth kunyaka onjalo wenze igalelo.
Xa uguqula i-IRA kwi-Roth IRA, uhlawula irhafu kwiyiphi na imali eguqulwayo engaphezulu kwesiseko sakho. Ukuba unayo i-akhawunti ye-IRA, isiseko sakho kufuneka sibalwe ngokusebenzisa ifom ye-pro-rata.
Ngokomzekelo, ukuba unayo i-$ 11,000 kwi-IRA yendabuko, kwaye wenze igalelo le-$ 500 lama-akhawunti kwi-akhawunti ye-IRA eyahlukileyo njenge-IRA engekho.
Ngoku unayo i-16,500 zamaRandi kwi-IRAs, i-1/3 yayo ayiyi-deductible, enye i-2 / 3rds igalelo lomdabu.
Kuya kuba mnandi ukuba unokuguqula kuphela i-IRA engenayo inzuzo, nangona kunjalo, i-IRS ibheka zonke i-akhawunti zakho ze-IRA ezidibeneyo-ngoko ukuba uguqula i-$ 5,500 nje kuphela, isahlulo sesithathu sexabiso eliguqulelwe (malunga ne-$ 1,815) siya kuqwalaselwa kwaye enye yesibini (malunga ne-$ 3,685) iya kuqwalaselwa ingeniso yerhafu yonyaka wokuguqulwa. (Qaphela: Le ndleko yerhafu yokuguqula i-Roth iya kuba yintengo encinci ukuhlawula ukuba utyalo-mali lwakho wenza umsebenzi kwaye ukhule i-tax-free iminyaka emininzi kwi-Roth IRA yakho.)
Indlela Yokuphepha I-Pro-Rata Basis Rule
Umgaqo-siseko wesigxina awusebenzi xa unayo yonke imali yakho yomhlala phantsi kwi-401 (k) icebo-ngoko unyaka ngamnye wenza i-IRA engenakudalulwa, ucinga ukuba uguqula ngokukhawuleza kwiRoth, inani elipheleleyo Ukuguqulwa kuthathwa njengesiseko.
Umzekelo, ukuba unayo i-$ 300,000 kwiplani engama-401 (k) kwaye akukho nto kwi-IRA, unokukhawuleza uhlawule i-IRA engekho-deductible, kwaye uyiguqule kwi-Roth. Imali eguqulelweyo ayikho imali engenayo engenayo engenakuhlawulwa kwintlawulo njengoko yayisisiseko seendleko.
Ungakwazi ukulinganisa izilinganiso zemveli ze-IRA ukuya kwisicwangciso somqeshi , njengokungama-401 (k) isicwangciso, ukushiya kuphela i-IRA yakho engenakudalulwa ngaphandle kwecebo ukwenzela ukuba kwixesha elizayo ungasebenzisa isicwangciso sokuguqula iRoth ngaphandle kokukhathazeka malunga ukubalwa kwengxelo kwi-pro-rata.
Kwiifom zerhafu ezifunekayo i-IRS icela i-balance balance account ye-year njengowonyaka owenza ukubuyiswa kweerhafu (kunye nefom ye-8606), ngoko kuya kufuneka ukuba uqhube i-IRAs yendabuko kwi-401 (k) isicwangciso ngaphambi komnyaka ukusebenzisa isicwangciso sokuguqula loo nyaka.
Ukuba ekupheleni konyaka awunakho imali ekhoyo kwii-IRAs zenkcubeko, ii-SEP okanye ii-SIMPLE (mhlawumbi ngenxa yokuba zihanjiswe kwisicwangciso esifanelekileyo) ngoko, eziya kukushiya sikhululekile ukuguqula kuphela i-IRA engabonakaliyo kwiRoth. Njengoko kushiwo, le ntshukumo ibizwa ngokuba yi-backdoor eRoth IRA kwaye iyinto eqhelekileyo. Iinguqu zexesha elizayo kumthetho werhafu zingathatha eli qhinga, kodwa njengamanje, kulungile ukukwenza.
Iimprephu ze-IRA ezingekho phantsi
Iphutha eliqhelekileyo elenziwe nge-IRAs ezingenakudalulwayo lilibala ukugqiba ifom ye-IRS 8606 ngentlawulo yakho yentela.
Ukuba wenze igalelo le-IRA engekho-deductible kodwa ungakhange ubike ingxelo yakho, unokuyibika kwingxelo-mali. Khangela inqaku elibizwa ngokuba ndilibale ukufakela ifom ye-8606 ngeenkcukacha malunga nento oyenzayo.
Enye iphutha eliqhelekileyo licinga ukuba unokuguqula kuphela igalelo lakho le-IRA engenakudalulwa kwiRoth. Njengoko kuthethwe ngentla, kufuneka ubhekisise i-akhawunti yakho ye-akhawunti ye-IRA xa uqikelela inani leerhafu ezihlawulwayo xa uguqula kwiRoth.