Unako ukusindisa kunye ne-IRA
Nangona kunjalo, usenako ukusindisa umhlalaphantsi wakho kunye negalelo le-IRA elingenakudalulwa. Nangona igalelo lakho le-IRA elingenakudalulwa liza kunciphisa irhafu yakho kunyaka owenzayo, imali eyimbuyekezo kubo ihlawulwe irhafu, inzuzo engundoqo yentlawulo ye-IRA rhoqo.
Iintlawulo ezingenzi-Deductible IRA zakha isiseko
Oku kunokudakalisa xa ungayifumana nayiphi na inzuzo yerhafu ngokukhawuleza evela kwi-IRA engenakunyulwa. Kodwa ukukhula okuhlawulwa kwentlawulo kungabonakalisa, kwaye ekugqibeleni ungenza igalelo elifanelekileyo, ngakumbi ukuba ulindele ukuba ube nesantya serhafu esezantsi emva kokuba uthathe umhlalaphantsi kunoko.
Xa uthatha isabelo sakho solawulo rhoqo kwi-retrait, uhlawula irhafu ngokukhula. Nangona kunjalo, nayiphi na iminikelo engekho-deductible ithathwa njengeziko lakho . Ekubeni uhlawula irhafu ngokufanelekileyo kwimali xa wenza igalelo, awuyi kuhlawulwa irhafu kwakhona emva koko.
Ngokomzekelo, zithi wenze imali engama-2,000 engekho-deductible kunyaka owedlule kwaye ibhalansi yakho ye-akhawunti, ngegalelo elongezelelweyo lokunyuswa kunye nokukhula kotyalo-mali , bekufanele u-$ 20,000 xa uhlawula. Ukuba unokwenza u-$ 1,000 ukuhoxiswa ngexesha lomhlalaphantsi, imali eyi-900 kuphela iya kuthathwa njengenzuzo ehlawulwayo evela kwi-10% (i-$ 2,000 eyabelwe i-$ 20,000) yayiyi-return of non-deductible basis.
Akusoloko kucacisa ukuba ingeniso ye-IRA engabonakaliyo yindawo engcono kakhulu yokuba ubeke imali yakho yokugcina umhlalaphantsi. Ngokomzekelo, ukuba ulindele ukuba ingeniso yakho (kunye nereyithi yakho yentlawulo) ukuba iqhubeke ikhula, unokufuna ukuhlawula irhafu kwiimbuyekezo njengoko uhambayo, kunokuba uzifake.
IRA Imithintelo yeNgeniso
Imirhumo ye-IRA inzima, kwaye ihlawula ukuyihlaziya rhoqo ngonyaka.
Ukongezelela, imingcele yegalelo ingahluka unyaka nonyaka. Unyaka werhafu 2017:
- Abo bangama-50 nangaphezulu bangafaka i-R600 i-R500 i-Roth IRAs.
- Abo bangama-49 kunye nabancinci bangafaka i-$ 5,500 yama-R500 kwi-Roth IRAs.
Le miqathango ayisebenzisi kwimirhumo ye-rollover okanye ukubuyiselwa kwe-reservist.
Nangona kunjalo, unganakho ukukrazula yonke into oyifake kwi-IRA yendabuko.
Ukuba uqeshwe yinkampani enika i- akhawunti yomhlala-phantsi yomsebenzi , njengowama- 401 (k) okanye 403 (b), ujongene nemingcele ethile yokufumana imali yokuncedisa i-IRA. Oku kuyinyani nokuba ngaba ukhetha ngokwenene ukuthatha inxaxheba kwisicwangciso somhlalaphantsi somsebenzi.
Unyaka werhafu 2017, abo bafunyaniswe kwisicwangciso somhlala-phantsi emsebenzini kunye nokufaka ifowuni okanye inhloko yendlu eyenza i-$ 62,000 okanye ngaphantsi bafanelekile ukuthatha intsalela epheleleyo, ngelixa abo babhalisa ngokutshata ngokubambisana okanye njengomhlolokazi oqeqeshiwe (er) nokwenza Amawaka angama-99,000 okanye angaphantsi afanelekile ukutsalwa ngokupheleleyo. Ukuba utshatile ukudibanisa ngokubambisana kwaye iqabane lakho lifakwe kwisicwangciso somsebenzi kodwa awukho, unako ukutsala inani elipheleleyo xa wenza i-$ 184,000 okanye ngaphantsi.
Ukuxothwa kukhishwa apho ukusuka njengemali engenayo.
Abo babatshatileyo abafakela ngokwahlukileyo baxhomekeke kwimithetho engenayo yokufumana ingeniso, nangona nabani na ohlukeneyo kwaye abahlala ngaphandle kwonyaka wonke baphathwa njengoyedwa kunye ne-IRS ngenjongo yale mida.
Ngakolunye uhlangothi, ukuba wena kunye neqabane lakho nilungele ukuthatha inxaxheba kwisicwangciso somhlala-phantsi somsebenzi, ke unokwenza igalelo le- IRA elidityanisiweyo, nje ngokuba wena (okanye iqabane lakho) lifumene ingeniso, kungakhathaliseki ukuba imali.
Roth IRA njengenye indlela
Abantu abaninzi abanomvuzo ogqithise imingcele yokudityaniswa kwe-IRA basenokuthi bafanele ukufumana igalelo leRoth IRA, elinemingcele ephezulu kakhulu yengeniso (bona 2017 iRoth IRA Imingeniso yeMali ).
Ukuba ngaba kunjalo kuwe, kuqondakala ukuba ukhethe igalelo leRoth IRA phezu kwe -IRA engekho .
Emva kwakho konke, ngelixa kungabikho nxaxheba echithwayo, nge-IRA rhoqo igalelo likhula ihlawulwa irhafu kodwa igalelo leRoth IRA likhula lihlawule irhafu .