Yintoni i-SEP IRA?

I-IRA ye-SEP yindawo enkulu yabantu kunye nabanini beShishini elincinci lokuLondoloza

Ukuba ungumnini-shishini lomncinci ofuna isicwangciso esihle somhlala-phantsi sokubonelela abasebenzi, okanye ukuba usebenza ngokuzenzekelayo kwaye ufumana inzuzo, i-SEP IRA inokulungele. I-SEP imele ipenshini yomqeshwa elula . I-akhawunti yempesheni yomhlala phantsi okanye i-IRA, apho abaqeshi bangenza khona iminikelo yomhlala-phantsi kwabo kunye nabasebenzi babo. Ukuthelekiswa no-401 (k) isicwangciso somhlala-phantsi, i-SEP IRA ilula kakhulu ukuqala nokulawula.

Kukho iphepha elincinci kunye nokufakwa kwonyaka. Ngaphezulu, imingcele yenkxaso yonyaka iphakamileyo kakhulu kunokuba uya kufumana ezininzi izicwangciso zomhlalaphantsi.

Njengoko kunye nezinye izicwangciso zomhlala-phantsi ezixhaswe ngerhafu , iminikelo kwi-SEP IRA ingeniswa imali yentela-mali ize ihoxiswe ngomhlalaphantsi, iqala kwiminyaka engama-59 / 1/2 kwaye ingadlulanga iminyaka engama-70 / 1/2. Ukuba imali ihoxiswa ngaphambi kweminyaka yobudala engama-59 / 1/2, ilawulwa yintlawulo yehlawulo ye-10% kunye nayiphi na irhafu yentlawulo. Iminikelo kwi-SEP ngokuqhelekileyo i-100% yerhafu-deductible, ngoko ke unika inzuzo yengeniso yentlawulo yangaphambili yentlawulo njengoko uza ku-401 (k). Kubanikazi bamashishini, iminikelo i-100% ehlawulwa irhafu njengendleko yoshishino.

Njengaye nezinye iintlobo ze-IRAs, abantu abaqeshwe ngabanye bahlala kude kube ngu- Apreli 15 (usuku lwerhafu) ukwenza iminikelo kwi-SEP kunyaka olandelayo. Kuthetha ukuba unokwenza umnikelo kwi-SEP ka-2016 ukuya kutsho ngo-Apreli 15, 2017. Ukuba ufaka isandiso, unokuba ube ngumhla wama-Oktobha 15 ukuxhasa i-IRA ye-SEP kunyaka ongaphambili.

Enyanisweni, ukuba usebenza ngokuzimeleyo, unalo ixesha elifanayo lokudala i-SEP IRA. Ngoko unako ukugqiba ukuvula i-SEP njengenxalenye yesicwangciso sakho sokugqibela sentlawulo .

I-SEP IRA Imirhumo

Enye yezinto ezikhangayo kakhulu ze-SEP IRA yimiqathango ephakamileyo yokunikela. Ukuba uthatha inxaxheba kwi-IRA ye-SEP, unokufaka isandla kwi-25% yomvuzo wakho wonyaka wonyaka okanye i-20% yomvuzo wakho wonyaka ohlawulelwayo werhafu, ngaphandle nje kokuba iminikelo ingadluli kuma-53,000 ayi-2016.

Umda we-SEP IRA umiselwe ukwandisa ukuya kwii-54,000 zamawaka ngo-2017. Thelekisa oku ku- 401 (k) , enomda ophezulu wegalelo we-18,000 we-$ 18,000 ngo-2016 no-2017 (okanye i-$ 24,000 xa unelungelo lokufumana umnikelo wokubambisa ), kwaye unokubona inzuzo ecacileyo kulabo abafuna ukugcina ngaphezulu idola ehlawulwe irhafu .

Nangona uthatha inxaxheba kwiplani yomhlala-phantsi yomsebenzi, njengowama-401 (k), unokwenza igalelo lokufumana ingqesho kwi-SEP. Ngoko isicwangciso esihle kubantu abafumana inzuzo evela kwishishini elincinane, kuquka umsebenzi wokuzimela okanye umsebenzi wesivumelwano.

Ukuba usebenza ngokuzimeleyo, uqikelele ukuba ungayinceda njani unyaka ngamnye unokuba lukhohlisayo. Unako ukubala inzuzo engenayo yereyithi yenzalo ngokuthatha imali yakho engenayo, ukukhupha iindleko zezorhwebo uze ususe isahlulo sokuhlawula irhafu. Kodwa igalelo lakho kwi-SEP IRA kufuneka lifakwe kwiindleko zoshishino. Kukho okubizwa ngokuba yi-calculator input kwi-intanethi, kodwa akukho nanye ibonakala isebenza kule nqanaba yeenkcukacha. Xhumana nomgcini-akhawunti okanye umcebisi weerhafu ukuba unemibuzo.

Awunayo ukufaka isandla semali nganye ngonyaka kwi-SEP IRA. Yaye ukuba ufuna ukufaka isandla kwi-0% kunyaka owenziwe, kulungile.

I-SEP IRA Iminikelo yabasebenzi

Iminikelo kwi-SEP IRA iyancitshiswa kangako xa abasebenzi abongezelelweyo bangena emfanekisweni. Kungenxa yokuba abaqashi kufuneka banikele ipesenti nganye kumqeshwa ngamnye. Ngoko ukuba ndiyinkokhelo ehlawulekayo kakhulu njengengcali yamazinyo, kwaye ndifuna ukunikela i-25% yengeniso yam kwi-SEP, kufuneka ndiphinde ndifaka i-25% yomvuzo ngamnye womqeshwa kwi-SEP. Bonke abasebenzi abaneminyaka engama-21 okanye ngaphezulu, baye basebenzela umqeshi kwiminyaka emithathu edlulileyo, kwaye bafumana imali engaphezulu kwama-550 abafanelekile kule galelo. (Nangona abasebenzi abasebenza phantsi kwezivumelwano zentsebenziswano bangabandakanywa ngaphandle. Qhagamshelana ne-IRS ngokubanzi kule nto).

Kukho ezinye izicwangciso zokuthatha umhlala-phantsi kumashishini amancinci kunye nabantu abaqeshwe ngabanye, njengama- SIMPLE IRAs , ngamnye okanye yedwa 401 (k) , iiKeghs, okanye i-401 (k) yama-shishini amancinane.

Kunengqiqo ukuqhathanisa bonke ngaphambi kokugqiba ukuba ngubani na onelungile.

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.