Maitiro ERA Okupa Mupiro Anokupa Nzira Iri nani Kuponesa
Mipiro yeIRA yemiganhu yakashanduka mumakore ese kubvira pakatanga kusunungurwa muna 1974 (Roth IRAs yakatanga kutangwa muna 1997).
Iro romugove wekubvisa purogiramu yemuvhuro yemiganhu yakagamuchirwa mitsva yakagadziriswa kubva mugore ra2008. Pano pane nguva dzose uye Roth IRA 2009 mibairo yezvipo, pamwe chete nemiganhu yekuwana mari yeRoth IRA .
[Unogona kuona 2016 miganhu yeRARA pano .]
2009 IRA Contribution Limits
Imwe mitero yeIRA ye 2009 yakashandurwa isati yachinja kubva mugore rapfuura. Mune zvose muna 2008 uye muna 2009, muganhu waungagona kupa waiva $ 5,000. Zvisinei, kana iwe uri makumi mashanu kana kupfuura pakupera kwegore, iwe unogona kupa mari inopfuura $ 1 000, nokuda kwema $ 6,000 mupiro wemari . Iyi miganhu inoshanda kune zvose nguva dzose uye Roth IRAs . Kunyangwe iwe uchigona kukodzera kugovera kune zvirongwa zvose izvi, kugoverana kwako pamwe chete kumabhengi maviri haugone kudarika yako pamusoro pemiganhu ($ 5,000 kana $ 6,000).
Zvishoma zvakashanduka kubva muna 2009 pamusoro pemiganhu yemipiro yeIvidual Retirement Account (IRA). Muna 2013, chikamu chikuru chezvikamu zveURA chakasimudzirwa kusvika $ 5 500.
Inenge iine $ 5 500 muna 2016. Chinhu chimwe chakashanduka kubva muna 2009 ndiwo mireji ekuwana mari anokonzera kubviswa kwetero kwemaitiro eIRAs kana kukwanisa kugovera kuRoth IRA.
2009 Roth IRA Imari Mitsara
Kunyange iwe uchigona kuwana mari isingagumi uye uchiri kukodzera kugovera kuIRA yenguva dzose , zvakafanana neRoth IRA.
Kwegore ra2009, vakaroorana avo vakaisa pamwe chete vanogona kupa $ 5,000 ($ 6,000 kana 50 kana kupfuura) kuRoth IRA kana kusangana kwavo kwakagadziridzwa mari yakawanda (MAGI) iri pasi pe $ 166,000. Kana MAGI yavo iri pakati pe $ 166,000 uye $ 176,000, saka vanogona kupa chimwe chikamu chiduku kudarika chikamu chakazara. Kana mari yavo yaipfuura madhora 176 000, saka vakanga vasingakwanisi kupa Roth IRA muna 2009. Muna 2008, iyi yakatarwa yakange iri $ 159,000 kusvika $ 169,000.
Kune vanhu vasina kuroorwa, Roth IRA sarudzo-chikamu chaive chikamu chakaderera: $ 105,000 kusvika ku $ 120,000 muna 2009. Muna 2008, kuvharirwa kwemunhu mumwe chete kwakanga kuri pakati pe $ 101,000 uye $ 116,000.
Pakazosvika gore ra2016 mitsara iyi yakanga yagadziriswa nokuda kwezvishoma. Kune munhu asina kuroora kana mumwe ane musoro wemisoro yemitero yemhuri, chikamu chekuwana-kunze kwegore muna 2016 ndeche $ 117,000 kusvika $ 132,000. Chikamu cheAAGI-kunze kwevateresi vanoita michero kuRoth IRA iri $ 184,000 kusvika ku $ 194,000 kune vakaroora vakaroorana pamwe chete.
2009 Roth Conversion Imari Kupera
Nekutendeuka kweIRA, vashandi vanogona kukwezva mari kubva kunze kwetsika yeIRA, kubhadhara mitero pamari inowanikwa yehurumende nehurumende yehurumende, uye vozoenda nayo kuRoth apo inenge ichingokura musero.
Muna 2008 uye muna 2009, mukana wekushandura IRA inogara kuRoth IRA yakangowanikwa kune avo vakagadziriswa mari yakawanda ye $ 100,000 kana pasi. Kunyange zvakadaro, kubviswa kwemari iyi kwakabviswa zvachose muna 2010.
Kuti udzidze zvakawanda pamusoro peRoth IRA kutendeuka, tarisa aya Mibvunzo yekubvunza Usati Wapedzisa Roth IRA kushandurwa .
Mipiro Yezvipo Yakachinja Kubva muna 2009
Mupiro wegore rose wegore ra2012 ndewemadhora madhora 5 500 kana 100% emari inowanikwa. Vateresi vava nemakore makumi mashanu nekukura vanokwanisa kupa imwe $ $ 1 000 pamutengo we $ 6,500. Iwe unogona kuita mupiro we 2016 weIRA mushure meApril 15, 2017.
Kuti udzidze zvakawanda pamusoro pemiganhu yeIRA yemiganhu yemamwe emitero yemakore, tarisa mazano anotevera:
2015 IRA Contribution Limitengo
2014 IRA Contribution Limitengo
2011 IRA Contribution Limitengo
Yakarongwa naScott Spann