Uninzi Kangakanani Unokubeka kwi-IRA yoqabane ngo-2015?
I-IRAs ye-Spousal iyatholakala xa utshatile uze ufake ifayile yentlawulo ngokubambisana njengesiqabane. Ukuba umlingani osebenzayo ufumana imali eyaneleyo yokuxhaswa i-IRA, uvumelekile ukuba wenze umrhumo wonyaka ophezulu.
Ngokuxhomekeke kwingeniso yomzi kunye nexabiso lakho iqabane lakho ligalela kwi-IRA okanye i-401 (k) ngomsebenzi, unokukwazi ukukhangela iminikelo evela kwingeniso yakho yonke yemali. (Iimali 101 zichaza ukuba nayiphi na into ehlawula imali engenayo yerhafu ingeniso.)
2015 Imingcele yeeNkcazo ze-IRAs zomtshato
Isixa esinokubanjelwa unyaka ngamnye sitshintshela yonke imbalwa embalwa, kodwa kuye kwahlala kwangomnye ukususela ngo-2013. Ngo-2015, ininzi ongayifaka kwi-IRA yowama-$ 500. Abantu abaneminyaka engama-50 okanye ngaphezulu bafumana i-$ 1,000 eyongezelelweyo kwiminikelo yokubamba. (Ngokwempazamo, imida efanayo iyanamathela kwi- IRAs yendabuko kunye neeRoth IRAs ngo-2015.)
2015 Imida yokuxhatshazwa kweeNkcazo ze-IRAs
Ngaphandle kokuxhaswa kweentlawulo ezixhaswe ngerhafu, inzuzo enkulu yokwenza umtshato umrhumo we-IRA ingenakuncitshiswa kwerhafu yengeniso. Indlela esebenza ngayo kuxhomekeke ekubeni ngaba iqabane lakho lidibeneyo ngesicwangciso somsebenzi.
Ukuba iqabane lakho lidibene kwaye indlu yakho ingeniso ingeniso (i-AGI) i-$ 183,000 okanye ngaphantsi, uvumelekile ukutsalwa ngokupheleleyo. Okanye unokuthatha inqununu encinci ngomvuzo wekhaya phakathi kwe-$ 183,000 kunye ne-193,000. Ukuba umlingani osebenzayo akanalo isicwangciso somhlala-phantsi ngomsebenzi, iqabane liyakwazi ukurhola inani elipheleleyo legalelo kungakhathaliseki ukuba yinzuzo yomzi.
Ukuba utshatile uze uhlule ngokwahlukileyo, ukuguqulwa kwakho kufuneka kube ngaphantsi kwamaRandi ayi-10,000 ukuze ufanele ukuxothwa.
Nangona ungenzi rhoqo iminikelo rhoqo kwi-IRA yomtshato, njengokuba iqabane lakho lenza u-401 (k) okanye i-IRA emsebenzini, unethuba lokunikela kwizinga eliphezulu ngaphambi kokufakela irhafu yonyaka. Oko kuthetha ukuba xa uhambisa ifayile yakho ngo-Apreli, unako ukutyalomali kwi-IRA kunyaka ongaphambili werhafu.
Zama iRoth IRA endaweni?
Ukuba ukuxothwa akubalulekanga, unokuvula i-Roth IRA yomtshato. Unomnikelo ophezulu wonyaka oya kuwufumana kwi-IRA yomtshato wesintu, kodwa ngaphandle kokuthatha inqununu. Emva kweerhafu zerhafu ziya kwiRoth, icebo lenzelwe ukwenzela ukuba igalelo elizayo kunye negalelo azisoze zarhoxiswa kwakhona.
Kukho umda kumntu onokuthatha inxaxheba kwiRoth IRA, ukuphawula phakathi kwe-$ 181,000 kunye ne-191,000 yemali kwingeniso ngo-2015. Ukuba ikhaya lakho lifumana ngaphezulu, awuvumelekile. Ukuba ufanelekile, cinga ukuba i-Roth IRA (okanye ukuguqulwa kwiRoth IRA kolunye uhlobo lwe-IRA) kukulungele.
2015 Imilinganiselo ye-IRA yokuSebenza
Enye ingqalelo, ngaba umlingani ongasebenziyo wenza nayiphi na ingeniso kunyaka owedlule?
Abaninzi bahlala kubazali basekhaya, kwaye bahlala ekhaya abantu ngokubanzi, bangenise imali engenayo kwimisebenzi ethile yokuzimela okanye ishishini lasekhaya. Kuba bantu, ukugalela kwisicwangciso somhlala-phantsi omncinci kumanyusa kakhulu ukunyusa inxaxheba enkulu.
Utyalo-mali olubizwa ngokuba yi- SEP IRA lenzelwe ukufumana ingeniso. Unako nokuba unayo 401 (k) isicwangciso okanye enye i-IRA. Unokwenza igalelo ukuya kuma-25 ekhulwini kwengeniso oyifumanayo, ukuya kuma-53,000 kwi-2015.
IRA I- SIMPLE isebenza kakuhle kakhulu, kodwa imingcele yenkxaso ephezulu kwi-12,500 yee-2015 ngo-2015. Ukuba uneminyaka engama-50 okanye ngaphezulu ungenza igalelo elongezelelweyo lokubamba i-$ 3,000.
Funda ngokugqithisileyo:
ISIMPLE IRA Imirhumo yemigangatho 2015
I-SEP IRA Imirhumo yemigangatho 2015
Kungakhathaliseki ukuba isicwangciso, amalungu omndeni angasebenziyo kufuneka afune isicwangciso somhlala-phantsi.
Inokukunceda ukuhlawula irhafu namhlanje kwaye uncede ukudala ubomi obukhululekile.
Ukuzikhusela: Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.