Umhlala-mali weNkxaso yeNkxaso-mali

Iingxowa-mali eziKhuselekileyo zinganciphisa iintlawulo zakho ngelixa ugcina imali yokuhlala phantsi

Abantu abasindisa umhlalaphantsi banokufumana umvuzo wentlawulo karhulumente. I-Credit Retirement Savings Contribution, okanye iNkcazo ye-Saver efutshane, ityala lentlawulo ye-federal eyenzelwe ukukhuthaza abantu abangenayo imali kunye nabaxhamlileyo ukuba balondoloze umhlalaphantsi.

Ikhredithi yipesenti yokonga, ukusuka kwi-10% ukuya kuma-50%. Ikhredithi nayo ixhomekeke kwingeniso yakho jikelele kunye nesimo sokufakela.

Ukufaneleka kweRhafu yeNkcazo yeMali yokuLondoloza imali

Uyakufanelekela kwiNkxaso yeSaver ukuba

• Udibana nenqobo yempatho,
• Unika imali kwisicwangciso somhlalaphantsi,
• Awuyena umfundi wexesha elizeleyo,
• Uneminyaka eyi-18 okanye ngaphezulu,
• Awufunwanga njengomxhomekeke.

Imilinganiselo yeNgeniso

I-Credit ye-Saver iyancishiswa ngumvuzo omncinci womntu. Imingeniso yemali yonyaka ka-2015 kwesikweletu somgcini kuxhomekeke kwisimo sakho sokufakela :

• $ 30,500 okanye ngaphantsi komntu ongatshatanga, otshatileyo ehambisa ngokuhlukileyo, kunye nomfelokazi ofanelekileyo (er).
• $ 45,750 ngentloko yendlu.
• Iimali ezingama-61,000 zokutshata ngokutshata ngokudibeneyo.

Isixa seDola

Intlawulo yeerhafu ibalwa ngokusekelwe kwipesenti yeminikelo yakho yomhlalaphantsi. Inkokhelo ephezulu kukuba i-$ 2,000 yezifowuni ezingatshatanga kunye ne-4,000 zamawaka ezifowuni ezitshatileyo. Ipesenti imiselwe yimali engenayo ehlawulisiweyo kunye nesimo sakho sokufakela.

Ipesenti yemali oyifumanayo njengetyala yerhafu ngu-10%, i-20%, okanye i-50%, kuxhomekeke kwingeniso yakho epheleleyo. Ishati kunye neepesenti zeentengo zemboleko zifumaneka kwiphepha 2 leFomu 8880.

Unokwenza igalelo malunga naluphina uhlobo lwesicwangciso somhlala-phantsi, njengesiqendu sama - 401 (k) , i- IRA yendabuko , i- Roth IRA , i-SEP-IRA, i- SIMPLE IRA , iSicwangciso seNgcaciso se-Savor Plan, okanye i- 403 (b) izicwangciso .

Cinga ngeRoth IRA ukuba Ufanelekile

Ukuba ufanelekile kwiRetirement Savings Tax Tax, qwa lasela inxaxheba kwiRoth IRA.

NgeRoth, igalelo lakho liyakhula ukukhula kerhafu kwaye akuyi ku funeka ufake iRoth ukwabiwa kwerhafu yakho engenayo xa uhlala phantsi. I-Roth kunye nekhredithi yomgcini yintengiso yintlangano.

Ukumangalelwa kweNkxaso yeMboleko

Ukubango i-credit, uzakufuna ukugcwalisa iFomu 8880 (PDF) kwaye uyifake kwiFom 1040A okanye 1040 yakho.