Iminikelo yokuThuthukisa ikunceda Unyuse imali yakho yokugcina umhlalaphantsi
Xa usemncinci, umhlala-phantsi ubonakala ufana nombono kunento oza kucinga ngayo. Njengoko ukhula, umhlala-phantsi unokuvakalelwa njengomhla wokugqibela. Kwaye naluphi na umhla wokugqibela, uqala ukufumana iimvakalelo zokuxinzelela. Ngaba umkhondo? Ngaba ulondoloze ngokwaneleyo? Ngaba utyalo-mali lwakho luzuza ngokwaneleyo? Ingaba ugcine ulondoloze yonke imisebenzi yakho okanye uqale ukucinga ngokuthatha umhlalaphantsi, mhlawumbi unomdla wokuhlawula imali engaphezulu kwinqanaba lakho lomhlala-phantsi lomvuzo ngamnye.
Ngethamsanqa, ukuba uneminyaka engama-50 okanye ngaphezulu, unako.
I-IRS inikezela ngabasindisa umhlala-phantsi into eyaziwa njengegalelo lokubamba. Kodwa kwanabantu abathile abasindise ngokunyanisekileyo kwaye akufuneki ukuba bafumaneke banokuyisebenzisa. Ukuba ubuncinane ubuneminyaka engama-50 ubudala kunye ne-IRA yendabuko, iRoth IRA, 401 (k) iRoth 401 (k), i-SIMPLE IRA, 403 (b), okanye i-457 icebo, unakho ukufaneleka ukugcina umncinci wonyaka ngamnye .
Iimali zokuxhaswa kweeNkcazo
Uninzi lwee-akhawunti zomhlala-phantsi ezixhaswe ngerhafu zinemiqathango ye-IRS malunga nokuba ungayinceda njani unyaka ngamnye. Kukho imida kwimingenelo yokubambisa kunye.
Ukuba unemveli ye- IRA okanye i- Roth IRA , isixa onokubangela ukuba uneminyaka yobudala engama-50 okanye ngaphezulu ukhuliswa ngama-$ 1,000. Umda ophezulu wenkxaso kuzo zombini ngo-2017 yi-$ 6,500.
Ukuba unesicwangciso sama - 401 (k) , i- 403 (b) icebo okanye 457 (b) icebo unokubamba iqela eliyi -18,000 kwicebo lakho ngo-2017.
Ukuba uneminyaka engama-50 okanye ngaphezulu kwaye umqeshi wakho uvumela iminikelo yokubambisa, umda wakho ukwanda ngama-6,000. Kuyafana neRoth 401 (k) okanye uRoth 403 (b). Umyinge opheleleyo wokunika umrhumo i-$ 24,000 ngo-2017. (Unako ukufumana ilungelo lokubambisa ngaphezulu kwiminyaka emithathu ngaphambi kokuba umhlalaphantsi ukuba unesicwangciso se-457 (b).
Qhagamshelana nomcwangcisi wecebo lakho ngolwazi olungakumbi ngalokhu.)
Ukuba unayo i-SIMPLE IRA, unokwenza igalelo elininzi nge-$ 12,500 ngo-2017. Ukuba uneminyaka engama-50 okanye ngaphezulu kwaye umqeshi wakho uvumela iminikelo yokubambisa, umda wakho ukwanda ngama-3,000.
Iminikelo yokufunyanwa ayivunyelwe kwi-SEP IRAs. Umda we-SEP IRA u-$ 54,000 ngo-2017. Ukuba unento ebizwa ngokuba yi-SARSEP, isicwangciso esilungiselelwe ngaphambi ko-1997 apho umqeshi wamashishini amancinci encedisa kwi-SEP yakho ye-SEP, unokufumana ilungelo lokufaka i-$ 6,000 eyongezelelweyo ngo-2017. Imigaqo yezi cwangciso ziyinkimbinkimbi, ngoko qha ga mshelana nomqeshi okanye umthengisi weerhafu ngolwazi olungakumbi. I-IRS inikeza ulwazi olongezelelweyo kwi-SARSEP enokufumaneka ngokusebenzisa lekhonkco.
Umrhumo wenkxaso ukwandiswa ngaphezu kwexesha, ngokuqhelekileyo unyaka okanye ngamnye unyaka. Ngokuqhelekileyo zilungelelanisa nokunyuka kwamaxabiso ngama-increment $ 500.
Abaqeshi abafunwa ukuba banikele ngeminikelo yokubambisa kwizicwangciso zabo zomhlalaphantsi, kodwa baninzi.
Le mida ayifaki ixabiso lemali yomqeshi. Ukuba umqeshi wakho uhambelana nesahlulo seminikelo yakho, iminikelo yakho ingaba phezulu. Khangela kunye nomcwangcisi wecebo lakho ngolwazi olungakumbi malunga noko kulungiselelwa kwisicwangciso sakho nendlela esebenza ngayo kuwe.
Ngokuqinisekileyo, iminikelo yokubamba iqela iqala ukudlala xa ukhulula ekukhetheni okukhethiweyo kwi-401 (k) okanye ufikelele kwiimpepha zegalelo kwiIRAs zakho. Injongo yokwenza njalo yinjongo yokuqala yokuqala. Ikusasa lakho, umntu ohlala phantsi uya kukubulela.
Ukubala I-Benefit of Making Off-Up Contributions
Ukuba unquma ukuba kunengqiqo ukuba usebenzise inxaxheba kwimithetho yenkxaso yokubambisa, kufuneka uqale ngokusebenzisa ukubalwa komhlalaphantsi. Esi sikhokelo sokubala somhlala phantsi sinikeza isishwankathelo sokulula ukusebenzisa izixhobo kunye nababalawuli ukukunceda ubone ukuba uhamba ngendlela yokuhlangabezana neenjongo zakho zokufumana umhlala-phantsi ngexesha lomhlalaphantsi. Ukongezelela, le khowudi ekhuselayo esuka kwiiMali zeMali ingasetyenziselwa ukuqikelela ukugcinwa komhlala-phantsi okongezelelweyo ongayibona ngokunyusa iminikelo yakho.
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.