Qonda indlela iMithetho emitsha yentlawulo ingayithinta ngayo umhlalaphantsi wakho
Utshintsho lomthetho lwentlawulo luya kufikelela ekugqibeleni. Akuzange kubekho ukukhwabanisa okukhulu kwikhowudi yentlawulo e-US ukususela ngo-1986. Kodwa ukuba iNkcazo idlula imithetho emitsha yentela ongayidinga ukuyihlaziya izicwangciso zakho zemali nje nje ukuba ulungelelanise ezo zinguqulelo.
Ukuba uhlawule nayiphi na ingxoxo kwiingxoxo eziqhubekayo malunga neenzuzo kunye neengxaki zale mithetho yocetywayo yerhafu ingabonakala ngathi ubukele umdlalo we-ping-pong.
Kuye kube yimeko eguqukayo njengoko iinkcukacha zerhafu yeerhafu zitshintshile rhoqo kwaye akunakuze zenze iinqununu zokwenza izigqibo ezibalulekileyo zezimali zisekelwe kuphela kumahemuhemu kunye nokucatshulwa. Kodwa enye into enyanisekileyo kukuba kuyimfuneko yokuqwalasela indlela ikhowudi yentlawulo yengeniso eya kuqhubeka iyakuchaphazela njani kwaye ungaphila imali yakho xa uzama ukugcina umhlala-phantsi njengomhlala-phantsi.
Kukuphi ukulungiswa kweerhafu okwangoku? INdlu yabaBameli kunye neSeti zihamba ngokusondeza kwinguqu yokugqibela yentlawulo yee-bills zokuhlaziywa kweerhafu. Nangona kungekho siqinisekiso sokuba iCongress iya kukwazi ukupasa ibhaso yerhafu ngaphambi kokuphela konyaka, kubalulekile ukuqonda ukuba utshintsho lomthetho olutsha lunokuchaphazela njani ukugcina imali yakho yomhlalaphantsi.
Nazi ezinye zezinto ezibalulekileyo ukugcina engqondweni njengoko uzama ukujonga indlela ezi zilungelelwaniso zokuhlawula irhafu zihambelana nezicwangciso zakho zemali.
Ngaba i-401 (k) iCwangcise iMithetho yoTshintsho?
Ngaphambili kunyaka bekukho ukukhathazeka okukhulayo ukuba utshintsho olukhulu lugcinwe kwi-401 (k) izicwangciso.
Abanye abenzi bezomthetho baye bafuna ukutshintsha uhlobo lomrhumo wempesheni yomhlala phantsi kwiminikelo yangaphambili yerhafu yerhafu emva kokuhlawula irhafu, ukwenzela ukuba iqokelele imali yentlawulo yerhafu kungekudala. Enyanisweni, ezimbalwa iziphakamiso zokuqala zivakaliswe ukunciphisa i-401 (k) imida yokunika imali engama-$ 2,400 ngonyaka, ephantsi kumda wonyaka we-18,000 wee-R1,000 kwimirhumo engaphambili.
Nangona abaninzi abasebenzi bengabandakanyeli kumda, oku kuya kunciphisa kakhulu inzuzo yerhafu yabagcini abaninzi. (Ungasebenzisa le khowudi yokugcina imali yentlawulo ngaphambi kokuba uqikelele ukugcinwa kwakho okwangoku ngenxa yenkxaso yeminyaka ekhoyo kwimveli 401 (k); ukulahleka okukhoyo kwolu rhafu kungabonakala ngokuxhomekeke kumyinge wakho wenkxaso.
Ukuba uthatha inxaxheba kwisicwangciso somhlala phantsi kumqeshi wakho kukho iindaba ezilungileyo. Iinguqulelo zakutshanje zerhafu zerhafu azibonakali zitshintshe okanye ziphelise ukuba unokufaka isandla esingakanani kwi-401 (k) isicwangciso sokuhlawula isibonelelo sangaphambili. Iziphakamiso zesicwangciso serhafu zenzelwe "Ukuhlaziya" 401 (k) izicwangciso ziyakunciphisa abasebenzi ukuba basindise, kunye namazinga athembekileyo omhlala phantsi aseMelika asele ephantsi komhlaba, abaqeshi abaninzi, abaxhasi bemicimbi yomhlala-phantsi kunye nabacwangcisi bezocwangciso babonisa ukukhathazeka kwabo malunga nayiphi eso siphakamiso.
Yiyiphi i-401 (k) Imida yoNyaka yoNyaka ka-2018?
Njengoko ikhoyo ngoku, akukho zicatshulwa ezicetywayo malunga nokuba unokubeka ngaphaya kangakanani kwi-401 (k). I-IRS imisela imida yonyaka yeminikelo eninzi ongayenza kwi-401 (k) isicwangciso. Ixabiso lemali liye landa kancane ngo-2017, ngoko ke umda usanda kutshintshwa.
I-IRS sele ikhulule imingcele ye-2018 yee-401 (k) izicwangciso kunye nemali ongayinayo iya kunyuka ukuya kuma-18,500 ayi-$ ngonyaka. Amalungiselelo okubambisana asekhona kubantu abaneminyaka engama-50 okanye ngaphezulu abavumela i-$ 6,000 eyongezelelweyo.
2018 401 (k) kunye neNkqubo yokuHlalwa kweNkqubo yokuLawulwa kweNkqubo
Imithetho emitsha yentela iyakuthinta njani igalelo le-IRA?
Kuyafana nenkolelo yokuba i-401 (k) izicwangciso ziya kuhlala zingatshatywanga ngeeNdleko zeeNdlu kunye ne-Senate, ii-ARAs (i-IRAs) zilindeleke ukuba zikhuseleke phantsi kweenguqu zakutshanje zokuhlawula irhafu. Oku kuthetha ukuba umyinge wama-5 500 wonyaka wegalelo uya kuqhubeka ngonyaka we-2017 no-2018 werhafu (i-$ 6,500 iminyaka eyi-50 okanye ngaphezulu). Kwakhona kuthetha ukuba i-IRAs yendabuko kunye ne-Roth iya kusekho phantsi kwemiqathango ethile yemingeniso enqunyanyisiweyo enquma ukuba ngaba unelungelo lokunika inkxaso okanye ukungahlawulwanga kwemali kunye nenzuzo yokungaphumeleli kwerhafu.
Amabhanki angaphantsi kweRhafu enza iiAkhawunti zeRoth ziBheno ngakumbi?
Ukuba unesibhakabhakethi esiphezulu kunokuba ukulindele ukuba ubekho xa uqala ukuthatha isabelo kwisicwangciso sakho somhlala-phantsi, i-401 yendabuko (k) isoloko ikhangeleka ngaphezu kweRoth 401 (k) inzuzo yokukhula kwentela. Kodwa abatshawuli berhafu abaninzi balindele ukuncitshiswa kweerhafu zabo zerhafu eziqala ngo-2018, kunokwenzeka ukuba iRoth IRAs iya kuba yinto ekhangayo. Kwakhona kubalulekile ukuqaphela ukuba enye indlela yeRoth ikhethiweyo kwaye akuyiyo yonke iplani yomhlala-phantsi abaxhasi abanikela ngeRoth 401 (k). Kwabo banikezela abasebenzi ithuba lokubeka eceleni ierola zerhafu emva kwe-akhawunti ebonelela ukukhula kweentlawulo ezingenanto zentlawulo kunokuba kunomdla omkhulu kwiRoth .
Xa Yenza Iinjongo Zokunika Inxaxheba kwiRoth 401 (k)?
Ngaba Inkomfa ekugqibeleni iyakuthi "i-Rothify" Iiplani zokuhlala phantsi ezixhaswe ngumqeshi?
Ngaphantsi kwemithetho yerhafu yangoku, 401 (k) ihlala isithuthi esithandwayo somhlala-phantsi, kwaye malunga nama-52% kwisicwangciso somhlala-phantsi abaxhasi base-US banikela ngezinye iindlela zeRoth. Kwiinyanga ezinje kukho ukucatshulwa okukhulayo ukuba abenzi bomgaqo-nkqubo bazakuzama ukuphakamisa imali ekhoyo yerhafu ukwenzela ukunciphisa ukunyuswa kweerhafu phantsi kwesicwangciso esicetywayo serhafu. Igama elithi "Rothification" libhekiselele kwingcamango yokwenza uninzi xa kungenjalo yonke iminikelo yomhlalaphantsi kunye neerhafu zerhafu. Isiphakamiso sokuhlaziya senziwa ekuqaleni saza kubandakanya ukusekwa komda omtsha kwi-pre-tax 401 (k) iminikelo. Ayibonakali ityala elitsha lentlawulo liya kuhlaziya iiprogram zomhlala-phantsi kwi-recent reeration ye-Senate neNdlu iziphakamiso. Oku akuthethi ukuba isihloko asiyi kubuya kwakhona kwakhona. Enye into eqinisekileyo kwaye yiyo iRoth 401 (k) inketho iyaqhubeka ithola ukulandelelana kwaye ihlala isetyenziselwa ukugcina imali yomhlalaphantsi xa ufuna ukukhula kokungahlawulwa kwentlawulo yokufumana imali.
Ziziphi iingenelo zeRoth 401 (k)?
Isishwankathelo Outlook
Ivoti yevoti kwi-bill yezohlengahlengiso zerhafu yayisungulwe okokuqala ngoDisemba 1, 2017. Ukuba iNtloko yeSivumelwano iyavuma imvume yabo yerhafu yeRhafu yeNdlu kunye neenkokheli zeSenate ziya kulungiswa ukudibanisa izicwangciso ezimbini ngekomiti yenkomfa. Iinqununu zeCongress zifuna ukuthumela ibhilidi yokugqibela kuMongameli uTumpump ngaphambi kokuphela konyaka, kodwa inkqubo ingadlulela kude kube ngoJanuwari 2018.
Nasi i-calculator ongayisebenzisa ukuqikelela ukuba iinguqu zeNdlu kunye neSenate ye-bill ye-billing process will affect your situation.
Reform Reform Calculator
Iinqwelo eziphambili:
- Ukulondoloza umhlala-phantsi kuya kuhlala kubaluleke kakhulu kubemi baseMelika phantsi kwesicwangciso serhafu esitsha.
- Iinguqu kwiikhowudi zerhafu ziza kufuna abantu abaninzi kunye neentsapho ukuba zihlolisise (okanye zidale) isicwangciso-mali esipheleleyo esibandakanya ezo zinguqulelo.
- I-Pre-Tax ne-Roth isigxina kubaluleke kakhulu (kwaye iyinkimbinkimbi).
Ukuze ufunde ngokubanzi malunga nendlela ezi zicwangciso zezohlengahlengiso zerhafu ezihlelwe ngayo zikhangele ezi zixhobo ezilandelayo: Ukuhlaziywa kweRhafu ... Ukuqhathanisa umbala