IIRRALE IRAs Zilula Kancinci Kunokuba Igama Likwenze
I-IRA e-SIMP iyisicwangciso somhlala-phantsi esixhaswe ngumqashi esinikezwa ngamashishini amancinci anabasebenzi abangama-100 okanye abambalwa. I-SIMPLE yintsingiselo yokuncintisana nokulondolozwa kwabasebenzi . Amashishini amancinci angakhuthaza i-SIMPLE IRAs kuba zizinto ezibizayo kwaye zincinci kakhulu kwi- 401 (k) icebo . Kodwa kukho imigaqo ethile eyahlukileyo.
Ngo-I-SIMPLE IRA, umqeshi ohambelana nokukhuthaza unokwenziwa kwisicwangciso.
Umqeshi makangqamanisa neminikelo yabasebenzi eyenza isicwangciso sabo, ukuya kwi-3% yomvuzo. Okanye umqeshi angaba negalelo kubasebenzi beplani 2% yomvuzo, nokuba ngaba umqeshwa ukhetha ukuthatha inxaxheba kwisicwangciso. Oku kwahluke kwi-401 (k) izicwangciso. Umqeshi onika i-401 (k) isicwangciso sinokukhetha ukuba unxulumane negalelo lomqeshwa. Abaninzi benza, kodwa kumaxesha obunzima kwezoqoqosho, iinkqubo ezifanayo zingabikho kwezibonelelo zokuqala ezinqunywe. Abaqeshi abakhetha ukubonelela nge-SIMPLE IRAs kufuneka ukuba bafanise, idola nge dollar, ukusuka kwi-1% ukuya kwi-3% yomvuzo womqeshwa.
IRA I-SIMPLE isebenza kakhulu njenge-401 (k) icebo. Iminikelo kwisicwangciso isenziwe ngaphambi kwentela, kwaye imali kwisicwangciso iqokelela ukuhlawulwa kwentela kude kube yimali ihoxiswe kumhlalaphantsi. Ukuba imali ihoxiswa ngaphambi kweminyaka engama-59 / 1/2, uya kuhlawula umrhumo we-10%. Kwi-IRA e-SIMPLE, umqeshi wakho uya kunika iindidi ezahlukahlukeneyo zesikhwama se-stock and bond bond.
IRA I-SIMPLE ayikwazi ukuba yiRoth IRA.
Ukuba ungumqeshi wamashishini amancinci, isigqibo sokunikezela i-SIMPLE IRA vs 401 (k) soloko kungekho kangako malunga nobukhulu benkampani yakho okanye inani labasebenzi, njengoko kungakanani ukuba unomnini ufuna kufakwa kwisicwangciso. Imida yoxanduva lwe-SIMPLE IRA ihluke kunama-401 (k) imida yokunikela.
ISIMPLE IRA Imirhumo
Ngo-2017, abasebenzi banokubamba i-$ 12,500 kwi-SIMPLE IRA. Umyinge wokubambisa u- 2017 yi-$ 3,000 eyenza umyinge we-SIMPLE IRA eyi-15,500 yabafundi abaneminyaka engama-50 okanye ngaphezulu. Oku kuthetha ukuba uneminyaka engama-50 okanye ngaphezulu kwaye umqeshi wakho uvumela iminikelo yokubambisana, unokufaka i-$ 3,000 eyongezelelweyo kwi-SIMPLE IRA kulo nyaka (qhagamshelana nomqeshi wakho ukuba aqinisekise). Ukuba unayo i-SIMPLE IRA kwaye uthatha inxaxheba kuwo nawuphi na uhlobo lwesicwangciso somhlala-phantsi somqashi ngexesha lonyaka (njenge-401 (k), umzekelo), umda wokuba unganceda njani kwiiplani ezingama-18,000.
Ngama-401 (k), abantu ngabanye bangakwazi ukugcina i-$ 18,000 ngo-2017, okanye ukuya kwii-24,000 zamawaka ngegalelo lokubamba. Ngoko, uyabona, kukho umlinganiselo omkhulu kwimali ongayifumana kuyo kwi-401 (k) icebo. Abanikazi bamashishini abancinci abaqeqeshiweyo kakhulu, njengogqirha, odokotela bamazinyo okanye oommeli, bathambekele ekuthandeleni amashishini amancinci 401 (k ) amalungiselelo kwi-SIMPLE IRAs ngenxa yemida ephakamileyo yegalelo enikezwa ngama-401 (k).
Jonga eli nqaku kwiMigqaliselo yokuSebenza abaSebenzisileyo ukufumana ulwazi oluthe xaxa malunga neenzuzo kunye neengxaki zeendlela ezahlukeneyo zokuthatha umhlalaphantsi.
Ukuqhawula nge-SIMPLE IRAs
I-SIMPLE IRA rollovers ayinanto elula ukuba utyalomali kwisicwangciso esiphantsi kweminyaka emibini.
Ukuba iminyaka emibini idlulile ukususela ekubeni sele uqalile ukuthatha inxaxheba kwisicwangciso, unokuhambisa imali kwi-IRA rollover okanye umqeshi omtsha 401 (k). Ukuba uthathe inxaxheba kwiminyaka engaphantsi kweminyaka emibili, ungayifaka kuphela kwenye i-SIMPLE IRA okanye ushiye imali kwisicwangciso somqeshi wangaphambili.
ISICELO: Ulwazi olufakwe apha alukho iingcebiso ngezezimali. Kujoliswe kwisikhokelo kuphela. Naliphi na i-intanethi zangasese (ezingekho phantsi koorhulumente) ezixhomekeke kulolu qwengana zifakwe kwiinjongo zolwazi kwaye azikwazi ukuqinisekiswa. Nangona sonke senza umgudu ukuqinisekisa ukuba olu lwazi luchanekile, luyahlukahluka kuxhomekeka kwiimeko zakho.