Fumana i-2017 Umtshato we-IRA umda
Ngokutsho kwe-IRS, igalelo ezidibeneyo azikwazi ukuba zingaphezulu kweembuyekezo ezihlawulwayo ezichazwe kwi-return joint.
Nazi ezinye iinkcukacha ezongezelelweyo malunga neendleko eziphezulu zenkxaso kwi-IRA yomtshato ngo-2017:
Umrhumo woNgeniso lwee-IRAs zoSondlo ngo-2016
Imida yegalelo ye-IRA isenokutshintsha unyaka ngamnye okanye amabini ngamanani emali. Ngo-2017, umtshato we-IRA umda awuhlali ungatshintshwa kunyaka odlulileyo. Unako ukufaka isandla kwi-5 500 ukuya kwi-IRA yomtshato ngonyaka ka-2017. Umda wesibonelelo se-IRA ukwandisa ukuya kuma-6,500 ayi-$ 500 xa uneminyaka yobudala engama-50 okanye ngaphezulu. Isibonelelo esongezelelweyo sisiphumo sokubambisa, esilungiselelwe ukunceda abantu ngabanye basindise ngakumbi njengoko besondele kwiminyaka yobudala.
Umtshato we-IRA Ukunciphisa umda we-2017
Unokwenza igalelo lakho elipheleleyo kwi-IRA yomtshato ngonyaka ka-2017 ukuba unesiqabane sinomvuzo osisigxina (AGI) we-186,000 okanye ngaphantsi. Unokuthatha inxalenye ethile yegalelo lakho ukuba i-AGI yakho iphakathi kwe-186,000 neyama-196,000 e-2017.
Ukuba umlingani osebenzayo akanalo isicwangciso somhlala-phantsi esitholakalayo kumqeshi wakhe, loo mlingane unako ukukhangela inani elipheleleyo ukuya kumda wegalelo. Nangona kunjalo, kubalulekile ukuqaphela ukuba umlingani osebenzayo unesicwangciso esifumaneka emsebenzini, iinqununu zeminikelo ye-IRA yesigaba somlingani kwi-AGIs phakathi kwe-$ 99,000 kunye ne-119,000.
Nangona ngokuqhelekileyo kulula ukuba abantu abaninzi benze iminikelo rhoqo rhoqo kunyaka, akudingeki wenze njalo ukuze usebenzise i-IRA inzuzo. Unokwenza igalelo elilodwa lomrhumo kuze kufike umhla wokugqibela ukufaka ifayile yakho yerhafu. Njengomphumo wale thuba lokucwangcisa irhafu, unomhla wokuhlawula irhafu ngomhla wokugqibela ngomhla weLibini, ngo-Ephreli 17, 2018, ukufaka isandla kwi-IRA yomtshato ngonyaka we-2017. Oku kunika isicwangciso esilungileyo sokugcina imali yerhafu kwaye sinye yeendlela ezimbalwa zokunciphisa irhafu yakho kunyaka odlulileyo emva kokuba uNdlovulo woNyaka woNyaka omtsha udlule. Enyanisweni, kudla ngokulula ukwenza igalelo le-IRA rhoqo ukuqinisekisa ukuba umlingani wakho ongasebenziyo unomdla weqanda lokuthatha umhlalaphantsi okhoyo ukuze ancedise ukuvelisa umvuzo xa nonke nifika umhlalaphantsi.
I-Roth IRA Imida 2017
Njengomlingane osebenzayo, unokufaka enye yengeniso yakho ngaphandle kweRoth IRA ukuze inzuzo yakho ingatshatanga. Izibini ezitshatileyo ezifakela ngokubambisana ziyakwazi ukufaka isandla kwiRoth IRA xa wenza imali engaphantsi kwama-196,000. Umda wegalelo kwiRoth i $ 5,500 ngo-2017 (umda wakho unganciphisa ukuba umvuzo wakho oyingcipheko uphakathi kwe-186,000 neyama-196,000).
Inzuzo enkulu kunazo zonke yeRoth IRA yindlela inzuzo ehlawulwa ngayo emva kokuba ufikelele kwiminyaka yobudala engama-59 ½ kwaye ube ne-Roth akhawunti evula iminyaka emihlanu. Nangona kungekho mali yokubanjelwa kweerhafu ekhoyo ekhoyo xa wenza igalelo kwiRoth IRA, iholo lakho likhula lihlawule irhafu kwaye ngokuqhelekileyo alihlawulwanga kwakhona xa uhoxiswa umhlalaphantsi. Ukongeza, unokuhlala uhoxisa umrhumo wakho wangaphambili ngaphandle kweerhafu okanye iintlawulo njengoko zenziwe ngokusebenzisa iirhafu zerhafu.
Kukho iindlela ezininzi ezahlukeneyo zokubonisa umlingane wakho ongasebenziyo ukuba uxabisa kangakanani umsebenzi wabo. Ukulondoloza umhlala-phantsi ngenye yezo ndlela zokunxibelelana lo myalezo kwaye ukwandisa ukugcinwa kwendlu yakho yonke yomhlalaphantsi. Nika isandla kwi-IRA yomtshato kunye ncedise ukudala umhlala-phantsi okhuselekileyo kunye noxolo.
U-2017 Umlinganiselo we-IRA ozimeleyo
Ukuba iqabane lakho lifumana imali encinci yemali engenayo ukusuka kwindlela ethile yokuzimela okanye umsebenzi wesivumelwano, bangabheka kwi-IRA abaziqeshisayo. Ngo-2017, unako ukunikela kwi $ 12,500 ukuya kwi- SIMPLE IRA , kunye ne-$ 3,000 eyongezelelweyo kwiminikelo yokubambisa ukuba uneminyaka engama-50 okanye ngaphezulu. Okanye unako ukufaka isandla kwi-25% yengeniso yakho yonke okanye i-54,000 zamawaka ukuya kwi- SEP IRA ngo-2017.
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.