Ukugqithisa ngokungekho-mpela akusiyo Iphuso elibi lokuCwangcisa
Ungaphezu kweMida
Uninzi lwabantu lunokufaka isandla kwi $ 5,500 ngonyaka kwi-akhawunti yeRoth IRA ngo-2017.
Ukuba uneminyaka yobudala engama-50 okanye ngaphezulu, unokuba negalelo lenza uncedo olongezelelweyo lokubamba "i-$ 1,000 kwi-$ 6,500.
Ngoko masithi uSara uneminyaka engama-45 ubudala kwaye ubona ukuba umyinge wama-5 500 wonyaka usebenza kuye ngenxa yokuba engekafiki i-50. Unquma ukufaka i-$ 550 inyanga nganye inyanga ezilishumi ukusuka ngoMatshi ukuya kuDisemba ukuze ekupheleni konyaka, ixhaswe ngemali yayo eRoth IRA. Uvakala ngathi isicwangciso esikhulu, akunjalo?
Akunjalo. Njengoko esebenza ngerhafu yerhafu yokulandelayo, uSara uyaqaphela ukuba iminikelo yeRoth IRA iyanqunyulwa ngokusekelwe kwingeniso-into ayengazi ngayo ngexesha elenza umnikelo. Ngomnyaka ka-2017, umlinganiselo womntu oyedwa umlinganiselo weRoth IRA uqala ukunciphisa xa ukuguqulwa kwakhe kwengeniso efihliweyo kufinyelela kuma-118,000. Xa ukuguqulwa kwengeniso epheleleyo ehlengahlengisiweyo kufinyelela kuma-133,000, ixabiso elingaphezulu komntu oyedwa ongenza inxaxheba kuye iRoth IRA yancitshiswa ibe yinto.
USara wayenegalelo kuye uRoth IRA ngokusekelwe kumvuzo wakhe we $ 100,000, kodwa emva kweebhonasi kunye neengeniso-mali, oko kuvela ukuba ukuguqulwa kwayo ingeniso eyi-$ 125,000. Oku kuwela phakathi kwendawo yokuqala kunye nomgca wokuphela kwerhafu yengeniso apho umrhumo weRoth IRA uphuhliswa uze ugqitywe ngokupheleleyo.
Igalelo lika-Sarah ye-5,500 eyi-$ 500 yayininzi ngaphezu koko avunyelwe ukuba negalelo esekelwe kwingeniso yakhe. Ngoko ke ungayenza ntoni ngemali eyongezelelweyo ayifake kwiRoth IRA?
Ukurhoxisa umrhumo ongaphezulu
Ukurhoxiswa kukususwa kweempahla kwi-akhawunti yomhlala-phantsi ukwenzela ukuba imali ehoxiswayo ingabalwanga kumnikelo womntu waloo nyaka werhafu. Ngokwe-IRS:
"Ngeenjongo zokumisela umrhumo ongaphezulu, nayiphina inxaxheba ehoxisiwe ngomhla okanye phambi komhla wokugqibela (kubandakanywa nezandiso) zokufakela ukubuyiswa kwentlawulo yakho yonyaka uphathwa njengemali engenakwenzelwa. Lo unyango lusebenza kuphela ukuba nayiphi na impatho kwiminikelo kwakhona ihoxisiwe. Iimpatho zithathwa njengezifumene kwaye zifunyenwe kunyaka umnikelo ogqithisiweyo wenziwe. "
Ngoko igalelo kwiRoth IRA inokurhoxiswa ngomhla okanye phambi komhla wokugqibela wokufakela ukubuyiswa kweerhafu, kubandakanywa naziphi na izongezo. Oku kuthetha ukuba unako ukurhoxisa iminikelo evela kwi-Roth IRA ngomhla okanye ngaphambi komhla wokugqibela we-15 ku-Ephreli wokufakela ukubuyela kwakho kwonyaka werhafu wangaphambili. Ukuba ucelile ukongezwa kwexesha ukufaka ifayile yakho yokubuyisela, unako ukurhoxisa iminikelo evela kwiRoth IRA kude kube ngu-Oktobha 15.
Ukuhoxiswa akuphathwa nje njengokwabiwa. Bafana nomsebenzi "wokulungisa" kukhompyutha yakho. Kunjengokuba igalelo lingazange lenziwe ngaphambili.
Ukuba inani lemali lifumene nayiphi na inzala okanye izabelo ngelixa lihleli eRoth IRA, kufuneka uhoxise loo ntlawulo kunye nenqununu engundoqo. Umzekelo, ukuba uhoxisa i-$ 1,000 kwaye loo mawaka ayi-dollar izuze inzala ye-$ 10, inani lakho lokurhoxisa liza kuba ngu-1,010-igalelo lakho langaphambili kunye neempatho kuloo mali.
Umlawuli wakho we-IRA ucwangciso uyazi indlela yokusingatha le meko kuba kwenzeka ngokukhawuleza. Zama ukubiza kuqala ukufumana ukuba isicwangciso sinokukunceda ukulungisa ingxaki phezu kwefowuni. Umlawuli unokucela ukuba uthumele isicelo sakho ngokubhaliweyo.
Xa usuvele ufake ifayile yakho yokubuyisela iRhafu
Kukho umyalelo okhethekileyo ovumela ukuba uhoxise iminikelo kuze kube ngu-Oktobha 15 nangona ungazange ufake ifowuni.
Ngokomzekelo, ufake ingxelo yakho yerhafu yakho okanye ngaphambi komhla wokugqibela ka-Ephreli, kwaye awuzange ucele isandiso. Emva kokufowunelwa, uyaqaphela ukuba unikele ngemali eninzi kwiRoth IRA yakho. Unako ukurhoxisa ezinye okanye zonke iirhafu zakho zeRoth IRA ukuya kwiinyanga ezintandathu zomhla wokuqala wokubuyisela, oya kuba ngo-Oktobha 15 kubantu abaninzi.
Emva koko, emva kokurhoxisa imali kwiRoth IRA yakho, kufuneka ufake ifayile yokubuyisela irhafu. Unokufuna kwakhona ukulungisa ukubuyela kwakho kwerhafu karhulumente.
Hambisa umrhumo weRoth kuMnyaka weRhafu olandelayo
Kuthekani ukuba ufuna ukugcina imali yakho imali kwiRoth IRA? I-IRS ikuvumela ukuba wenze isicelo nasiphi na iminikelo esiphezu komda onyakeni olandelayo. Masithi uRobert udinga ukurhoxisa imali engamaRandi ayi-Roth ye-RRA ye-RRA ngenxa yokuba uyaphaya komda ngokusekelwe kwingeniso yakhe. Unako ukurhoxisa i-$ 1,000 kwiminikelo yakhe yonyaka werhafu ngonyaka we-2017 kwaye uncedise i-$ 1,000 ngonyaka werhafu ngonyaka we-2018. Ukuxhaswa kunye nokubuyiswa kwakhona kuhlanganiselwe kwisenzo esinye apho ufundisa nje umlawuli wakho we-IRA ukuba usetyenzise umrhumo othile kunyaka werhafu olandelayo. IRS ithi:
"Ukuba igalelo kwiRoth IRA yakho yonyaka yayingaphezulu komda, unokufaka isicelo somrhumo ongaphezulu komnye kunyaka ozayo ukuba umrhumo walo nyaka kamva ungaphantsi kobukhulu obuvunyelwe kulolo nyaka."
Hambisa Imali kwi-IRA yesintu
Oku kubhekiselwa ekubeni kuphinda kubonakalise igalelo le-IRA. Utshintsha umlingani wenkxaso evela kwigalelo laseRoth kwigalelo lendabuko ye-IRA . Unokuphinde uhlawule umrhumo we-IRA kude kube umhla ohlawuleyo wokubuya kweerhafu, kuquka nezandiso. Oko kuthetha ukuba, nje kuphela xa ufumana ukongezwa, unokwenza ukubonakaliswa kwakhona ukuya kutsho ngo-Oktobha 15. Ngokwe-IRS:
"Unokwazi ukuphatha igalelo elenziwe kwintlobo enye ye-IRA njengokwenziwe kwintlobo eyahlukileyo ye-IRA.
"Ukuze uphinde uchaze igalelo, ngokubanzi kufuneka ube negalelo elidluliselwe kwi-IRA yokuqala (enye leyo eyenziwe kuyo) kwi-IRA yesibini kumphathi we-trustee-to-trustee. (kubandakanywa nezandiso) ngokubuyela kwerhafu yonyaka werhafu ngeliphi igalelo enziwe ngayo, unyulo lokuphatha igalelo njengoko lenziwe kuqala kwi-IRA yesibini endaweni ye-IRA yokuqala. kufuneka wenze zonke ezintathu zilandelayo.
- "Fakela ekudluliseleni nayiphi na imali engenayo eyabelwe igalelo. Ukuba kukho ilahleko, ingeniso enomtsalane omele uyithumele ingaba yinani elibi.
- Bika i-reparactation kwirejista yakho yerhafu yonyaka apho igalelo lenziwe khona.
- Phatha igalelo njengoko lenziwe kwi-IRA yesibini ngomhla owenziwe ngawo kwi-IRA yokuqala. "
I-IRS ichaza imithetho ekhethekileyo ejongene neemeko ezithile kwiqendu zokuchazwa kwee-590-A.
Musa ukwenza enye yeNgentla
Kukho irhafu ekhethekileyo nje kule meko, irhafu yerhafu ye-6 ekhulwini. Irhafu yerhafu isebenza kwisixa sakho segalelo esingaphaya komda wakho wonyaka. Kubalwa kwaye ibhalwe kwiFomu 5329 .
Unokucinga ukuba iipesenti ezi-6 azizwanga zibi kakhulu. Ukuba iimali ziyakhula ngokukhawuleza kunokuba kuphele ixesha, mhlawumbi kufuneka ushiye imali ebekwe kwiRoth IRA. Unyanisekileyo ukuba i-pesenti ye-6 "ihlawulise" ingabi yinto embi ukuba yinto yerhafu yodwa. Kodwa akusiyo irhafu yerhafu.
Iipesenti ezi-6 zifuna ukukhawulwa kweerhafu ngamnye kunyaka ngamnye "ngaphandle nje kokuba umnikelo ogqithiseleyo uhlala kwi-IRA," ngokwemiqathango yenkonzo kawonkewonke yasasazwa kwiphephandaba yi-IRS.
Nasi umzekelo wendlela oku kuza kusebenza ngayo. Uthi u-Alicia wanikela ngemali eyi-5 500 kwiRoth IRA, kodwa umda wakhe ophezulu u-$ 2,200. U-Alicia wanikela ngemali engama-3 300 kwiRoth IRA kunokuba avunyelwe ukufaka isandla. Akazange alungise umnikelo ogqithisileyo ngo-Oktobha 15. Ngoku u-Alicia unomvuzo werhafu ye-6 kwipesenti zakhe, okanye i-198.
Ufumanisa impazamo kwintwasahlobo elandelayo xa esebenza kwerhafu. Uyakulungele ukunikela i-R200 IR $ i-R200 IRA kulo nyaka omtsha, kwaye unquma ukungenzi nayiphi na iminikelo eyongezelelweyo yeRoth. Kule meko, i-$ 2,200 yemali yakhe engama-3,300 eyongeziweyo iqhutyelwa kwaye ingena kulo nyaka omtsha. Inani elitsha lemali liyehla kwi-1,100 yeerhafu kunye nerhafu ehambelanayo nerhafu ye-$ 66.
Ngoku ke masicinge ukuba le meko efanayo iyaziphinda kwakhona ngonyaka ozayo. Umnikelo ogqithisiweyo we-Alicia wama-1,100 ufumana umlinganiselo phakathi kwemali emitsha engamnika yona uRoth IRA kunye nomyinge weRoth IRA wangempela wonyaka.
Kule meko, u-Alicia uza kuhlawula i-$ 264 kwiirhafu ezingaphezu kweminyaka emibini. Igalelo elingaphezulu liye lalungiswa ngokunganikeli imali entsha kwiRoth IRA. Ngomnyaka wesithathu, umrhumo ogqithisiweyo uye wagqitywa kwaye akukho ntlawulo yerhafu eyongezelelweyo iya kuhlawulwa kwi-IRS.