IRA yeNdabuko ingaba sisixhobo sokuLondoloza umhlala-phantsi
I-Advantage ye-Pre-Tax
Inzuzo eyinqobo ye-IRA yendabuko kukuba ngamaxesha amaninzi, imirhumo yenziwa nge-pre-tax basis. Oku kuthetha ukuba xa ufaka imali kwi-IRA, unokukrazula loo mali kwi-income taxable yakho. Oku kubangela ukuhlawula irhafu yengeniso yonyaka. Ngo-2018, igalelo eliphezulu kwi-IRA yendabuko i-$ 5,500 kunye ne-$ 6,500 xa uneminyaka engama-50 okanye ngaphezulu.
Ukongezelela ekufumaneni ixabiso lokuncitshiswa kweerhafu ngaphambili, imali kwi-akhawunti ikhula ihlawulwe irhafu. Nayiphi na inzala okanye inzuzo eyinkunzi evela kutyalo-mali ayihlawulwanga xa kufumaneka. Esikhundleni saloo nto, baxelwa ukuba imali ihoxiswe kwi-IRA ngomhlalaphantsi. Kule nqanaba, ihlawulwe irhafu yakho yerhafu. Ukuba ulindele ukuba ube kwibhakethi yerhafu ephantsi xa uthabatha umhlalaphantsi, oko kuthetha ukuba uya kuba neerhafu ngaphantsi kweerhafu kwiiRRA ezifanelekayo .
Ngubani onokubanika i-IRA yesintu?
Nawuphi na ongenayo imali engenayo uvumelekile ukuvula i-IRA yendabuko, kodwa kukho imingcipheko malunga nokuba ngubani onokukrazula igalelo.
Kukhona imingcele yokufumana imali eyasetyenziselwa ukuchonga ukuba uninzi lweminikelo echithwayo, ukuba kukho na.
Ukuba okwangoku uphelelwe isicwangciso somhlala-phantsi emsebenzini ngo-2018, unokukhipha igalelo lakho elipheleleyo le-IRA ukuba:
- Ungatshatanga kwaye ingeniso yakho epheleleyo eguqulwayo i-$ 63,000 okanye ngaphantsi
- Utshatile kwaye uthumela intlawulo ehlangeneyo kunye ne-MAGI eyi-101,000 okanye ngaphantsi
- Utshatile ukufakela ngokwahlukileyo, nge-MAGI engaphantsi kwama-$ 10,000
Emva kokuba ufikelele kule miqathango, uhluthiso luqala ukuqalisa, ukunciphisa inani leminikelo ongayenza. Ukuba awufihliwe kwisicwangciso somhlala-phantsi emsebenzini kwaye uyifake enye, unokuthatha inxaxheba yakho epheleleyo, kungakhathaliseki ukuba uyifumana njani. Ukuba awufihliwe kwisicwangciso somsebenzi kodwa umlingani wakho, ukuxothwa okupheleleyo kufumaneka kuphela xa i-MAGI yakho edibeneyo i-189,000 okanye ngaphantsi.
Ukuthathwa kweeNkcitho eziNcinane ezifunekayo kwi-IRA yesintu
Enye yezinto ezingenakwenzekayo kwi-IRA yendabuko kukunyanzeliswa kokunyanzeliswa okumele kuqale kwi-70 ½ yobudala. Kule minyaka, kufuneka uqale ukuthatha isabelo esincinci, ngokusekelwe kwixesha lokuphila kwakho. Nangona awuyidingi imali, ukuba ungathathi ubuncinane ubuninzi bokusabalalisa ubuncinane (RMD) unyaka ngamnye, uya kufumana isigwebo se-50% sexabiso le-RMD.
Kwiphepha le-flip, ukuhoxiswa okwenziwe ngaphambi kokuguqula iminyaka engama-59 ½ kuncike kwi- 10 yeepesenti yokuqala yokuhoxiswa kwangaphambili. Kukho ezinye iimeko zokukhusela isigwebo. Umzekelo, awuyi kuhlawula isohlwayo xa uhoxisa i-$ 10,000 yemali yemveli ye-IRA ukuthenga ikhaya lokuqala.
Kodwa ke unako ukuhlawulwa irhafu yengxowa rhoqo kwihoxiswa.
Ngaba i-IRA yesintu ikulungele?
Ukuba umqeshi wakho akanikeli isicwangciso somhlala - phantsi , okanye ufuna indlela yokugcina ngaphezulu nangomhlalaphantsi emva kokukhupha i-401 yakho (k) , ngoko i-IRA yendabuko inokuba yinto ekhethekileyo yokugcina imali engekahlawulwanga yerhafu. umhlalaphantsi. Hlalani nikhumbule ukuba kuxhomekeka ukuba ngaba ungatshatanga okanye ungatshati na ukuba iqabane lakho lihlanganiswe isicwangciso somhlala phantsi emsebenzini, unganakho ukuthotyelwa kwemingeniso, nangona kunjalo.
I- Roth IRA yinto enokuyiqwalasela. NgeRoth, awufumani ukuncitshiswa kweminikelo kodwa unokwenza uhoxiso olufanelekileyo kwi-retrait 100 yeepesenti. Oku kunokuba lukhulu kakhulu xa ukulindele ukuba ube kwibhakethi yentela ephezulu emva kokuba uthathe umhlalaphantsi. Kwaye, akudingeki ukuba uthathe isabelo esincinci esivela kwi-Roth IRA kwiminyaka engama-70 1/2.
Okuvumela imali yakho ukuba iqhubeke ikhula kuze kube yile ndlela ufuna ukuyisebenzisa.
Ukulinganisa iinjongo zezobugcisa kunye neRoth IRAs kunokukunceda ukuba wenze isigqibo sokuba ngubani owenza ingqiqo enkulu njengenxalenye yesicwangciso sakho sokugcina umhlalaphantsi.