IRA i-akhawunti yokulondoloza kunye neerhafu zerhafu
Kukho iintlobo ezahlukeneyo ze-IRA kwaye nganye ineempembelelo zayo zerhafu kunye neemfuno zokufaneleka.
IiNkcazo zeRhafu zabaHlala ngabanye
Izinzuzo ze-IRA zenkcubeko ziquka:
- Unokufaka isicelo sokutsalwa kweerhafu xa unika imali kwi- IRA yemveli . Oku kuncitshiswa kwehlisa imali engenayo engenayo ukwenzela ukuba umphumo wokugqibela kukuba awuyihlawuli irhafu yengeniso kwimali oyibeke eceleni kwi-akhawunti.
- Ukulondolozwa kukukhulisa irhafu echaziweyo. Awuyi kuba ne-interest, dividends, okanye i-revenue earning from the IRA kwingxelo yakho yerhafu yonyaka.
- Xa uhoxisa imali, ukusasazwa kwi-IRA kufakwe kwingeniso yakho engenayo. Ihlawulwa njengerhafu yengeniso. Unokuhlawula ngokukhawuleza irhafu kwimali oyifumene namhlanje, ngenxa yoluhluthiso lwerhafu kwiminikelo yakho. Abathathe umhlala-phantsi abaninzi bafumana iibhakethi zerhafu eziphantsi kunokuba ziphantsi kokusebenza kunye nokufumana, ngoko unokugqitywa ukuhlawula imali encinane yentlawulo kuloo mali.
Ngoku, ngenxa yokuhla kwamanzi:
- Ngeke uhlawule irhafu yengeniso kwimali xa ufumanisa ukuba kufuneka uhoxise enye yayo ngaphambi kokuba umhlala phantsi. Uyakuhlawula kwakhona isohlwayo esongezelelweyo se-10 sepesenti kweso saziso sokuqala xa uhoxisa imali ngaphambi kokuba ufikelele kwiminyaka yobudala engama-59 / 1/2.
- Kumele uqale ukuhoxisa imali kwi-IRA yendabuko eqala ngonyaka ufikelela kwiminyaka engama-70 / 1/2. Kumele uthathe ubuncinane ukusasazwa okufunekayo okanye "RMD" unyaka ngamnye okanye uza kuhlaselwa irhafu yerhafu ye-50 ekhulwini yexabiso le-RMD ongazange uyihlawule irhafu yengeniso rhoqo ngenxa yokuba awuzange uyihoxise imali.
- Kukho imithintelo malunga nokuba ngubani onokuthatha inqununu kwiminikelo ye-IRA yemveli. Ukuba wena okanye lakho iqabane lihlanganiswe nesicwangciso somhlala-phantsi emsebenzini, ukuxothwa kwakho kunganciphisa okanye ungeke ukwazi ukususa nayiphina inxaxheba yakho.
IiNkcazo zeMali zoLuntu zeNondeductible zeNondeductible
IRA engenazo i-IRA yendabuko kodwa igalelo ayinako ukuhlawula irhafu. Yintoni inzuzo kule nto? Ukulondolozwa kuya kusakhula ukunyuswa kweerhafu kude kube yile xesha uqala ukuthatha ukuhambisa, kwaye inxalenye eyintloko yalezo ntlawulo ayifumane irhafu emhlala phantsi ngenxa yokuba sele uhlawula irhafu kwimali ebekelwe imali ngexesha ulifumene. Icandelo lokukhula lihlawulwa njengenzuzo eqhelekileyo.
Abantu bavame ukukhetha i-IRA engabonakaliyo xa befumana imeko ethile yezimali:
- Zihlanganiswe isicwangciso somhlala-phantsi ngomqeshi wabo, kwaye
- Imali yabo iphezulu kakhulu ukuba ivumeleke ukukhangela iminikelo yabo ye-IRA yenkcubeko, kwaye
- Abafanelekanga ukuxhaswa iRoth IRA, kwaye
- Bafuna ukunikela ingxowa-mali eyongezelelweyo ngokuthatha umhlalaphantsi kwi-akhawunti ehlawulwe irhafu.
Ukwahlula okuphambili phakathi kwe-IRA engabonakaliyo kunye ne-IRA yendabuko yonyango lwenkokhelo yenkxaso yangempela.
Yonke imigaqo esebenzayo kwii-IRAs zendalo zisebenza apha. Kukho isohlwayo sesahlulo se-10 se-surtax kwizabelo zokuqala, kwaye izabelo kufuneka ziqale ngonyaka umnikazi we-akhawunti ufikelela kwiminyaka engama-70 1/2.
IiAkhawunti zeRhafu ngabanye
I- Roth IRA inikezela ngokulondolozwa kwentlawulo kunye nokuhambisa. Ngokungafani ne-IRA yendabuko, awufumani ukuncitshiswa kweminikelo yakho ngexesha owenzayo. Oku kwenza ukuba ii-akhawunti zifanane ne-IRAs ezingenanto, kodwa kukho ukungafani okubalulekileyo kwindlela ulwabiwo lukarhoxiswa ngayo.
Izinto eziphambili zeRoth IRA ziquka:
- Iminikelo ayinako ukuhlawula irhafu
- Awunakho ukuhlawula irhafu yengeniso kwimali engenayo kunye nokukhula kolondolozo ngaphakathi kweRoth IRA
- Izabelo ezivela kwiRoth IRA zihlawulwa ngokupheleleyo ngaphandle kweerhafu, ukuba udibana neemeko ezithile.
- Unokuba negalelo kwiRoth IRA nangona udibene nesicwangciso somhlalaphantsi emsebenzini
- I-Roth IRAs inemivuzo ethile
- Imithetho efunekayo yokusabalalisa ayifuni kwi-Roth IRAs
IRA Imirhumo
Isixa-mali esingaba negalelo kwi-IRA yendabuko okanye i-Roth IRA ngonyaka ngamnye, okanye nayiphi na inhlanganisela yebini, iphela kwi-5 500 yee-dollar ngo-2017. Lo mda uhlale ungatshintshi ukususela ngo-2013 xa unyuke ukusuka kumda we-5,000 wemali owawusezantsi indawo ngo-2012.
Kodwa unokuba negalelo elininzi xa uneminyaka yobudala engama-50 okanye ngaphezulu, ukuya kwi-$ 1,000 eyongezelelweyo . Oku kwaziwa ngokuba yigalelo "lokubambisa" kwaye lihlala lifana nonyaka.
Le migangatho yemigqaliselo iyasebenza kwimimandla yendabuko, engabonakaliyo kunye neRoth IRA. Ukuba ufuna ukuxhaswa i-IRA yendabuko kunye ne-Roth IRA, ungancedisa nayiphi na inhlanganisela yemali nganye kodwa inani elidibeneyo alikwazi ukudlula umda wonyaka. Umzekelo, unokubeka i-$ 2,750 kwi-IRA yendabuko kunye nezinye i-$ 2,750 ukuya kwiRoth IRA.
Ama-Akhawunti eMhlala-phantsi aSebenzi abaSebenzayo
I-SEP IRAs luhlobo lwesicwangciso somhlala-phantsi weqela. Umqeshi ubeka isicwangciso se-SEP i-ISRA, kwaye wenza igalelo kwi-IRA yendabuko emiselwe ngaphakathi kwi-SEP IRA. Ezi zicwangciso zithandwa ngabantu abaqeshwe ngabanye kuba bavumela imingcele ephakamileyo ephezulu kwii-IRA eziqhelekileyo. Ngaphandle koko, i-SEP IRAs ziphathwa ngokufanayo kwi-IRAs zemveli. Iintlawulo zenziwe ngeedola zerhafu ezingaphambili, izabelo zihlawulwa njengenzuzo eqhelekileyo, kwaye kukho izigwebo zokuthatha ukusasazwa kwangethuba.
IziCwangciso zokuThatshulwa kwabasebenzi
IIRRALE IRAs nazo zihlobo lweqela lomhlalaphantsi. Kulula ukusetha nokugcina ngaphezu kwama-401 (k) okanye izicwangciso zempesheni, kodwa zinikeza imida engaphantsi kweminye iiplani zeqela. IRAPLE IRAs ikuvumela ukuba unikele inedola engaphambili yentlawulo kunye neminikelo ehambelana nomqeshi wakho. Izabelo zihlawuliswa njengenzuzo eqhelekileyo, kwaye kukho izigwebo zokusabalalisa kwangaphambili.
Xa Iintlawulo kufuneka zenziwe
Unokufaka igalelo mali kwi-IRA nanini na unyaka wonke. Emva kokuba unyaka usuphelile, unokwenza igalelo kwi-IRA yangaphambili kunyaka nje ukuba igalelo lenziwe ngumhla wokuhlawula irhafu ka-Apreli. Oku kuthetha ukuba kunyaka werhafu 2017, umhla wokugqibela we-IRA ngowama-Ephreli 17, 2018.