2010 IRA Inopa Mipiro yaisanyanya kuchinjwa.
Mipiro yeIRA yemiganhu yawedzera zvishoma nezvishoma kubvira pakatanga kusanangurwa kwavo muna 1974 (Roth IRAs yakatanga kubudiswa muna 1997). Iro romugove wekutsvaga rubatsiro ra2010 muganhu wakagadziriswa zvishomanana kudzokorora kubvira mugore ra2009 ritero
Pano pane nguva dzose uye Roth IRA 2010 mibairo yemiganhu, pamwe chete nemiganhu yezvemari yeRoth IRA .
[ Cherechedzai : Ivai nechokwadi chokuti muchaongorora zvarinoita gore rino kuburikidza nekuongororwa kwemiganhu ye 2016 yeIRA pano .]
2010 IRA Contribution Limits
Ive mitengo yemiganhu yeIRA ya2010 haina kuchinjwa. Kubva muna 2008, muganhu unogona kupa kuIRA inogara iri $ 5,000. Zvisinei, kana iwe uine 50 kana kupfuura pakupera kwegore, iwe unogona kupa mari inopfuura $ 1 000, nokuda kwe $ 6,000 mupiro wemugove.
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).
2010 Deductible IRA Contribution Limitengo
Kunyange zvazvo pasina huwandu hwekugadzirisa mari yekubatsira kuIRA inogara iripo , kune mireho yekudhura mitsva yenguva dzose yeIRA.
Chimwe Chinyorwa: Pakave nekushandurwa kuduku kune mupiro weIRA kubva muna 2009.
Muna 2013, chikamu chikuru chezvikamu zveURA chakasimudzirwa kusvika $ 5 500. Imwe muganhu weIRA unoramba uri $ 5 500 muna 2016. Chinhu chimwe chakashanduka kubva muna 2009 ndiwo muganhu wekuwana mari unobatsira kukwanisa kutora mitero yemitambo yemitambo yeRA kana kukwanisa kugovera zvakananga kuRoth IRA.
2010 Roth IRA Imari Mitsara
Iko kune mitsara yakawanda yemari yemipiro yeRoth IRA. Muna 2010, vanhu vakaroorana vanoita pamwe chete vanogona kupa $ 5,000 ($ 6,000 kana 50 kana kupfuura) kuRoth IRA chete kana yavo yakashandurwa yakawandiswa mari yakawanda (MAGI) iri pasi pe $ 167,000. Kana MAGI yavo iri pakati pe $ 167,000 uye $ 177,000, zvino vanogona kupa chimwe chikamu chiduku kudarika chikamu chakazara. Kana mari yavo inodarika $ 177,000, havakwanisi kupa mari kuRoth IRA muna 2010. Nhamba idzi dzakawedzerwa ne $ 1 000 kubva muna 2009. Muna 2008, iyi yakasara-kunze yakange iri $ 159,000 kusvika $ 169,000.
Kune vanhu vasina kuroorwa, Roth IRA sarudzo-yakasara yakaderera: $ 105,000 kusvika ku $ 120,000 muna 2010. Munguva ya2009 nhamba dzaive dzakaenzana neyaka 2010, mutengo wemunhu mumwe chete waiva pakati pe $ 101,000 uye $ 116 000 muna 2008.
Mharidzo Dzakashandurwa: Mitsara yekuwana mari yeRoth IRA yakagadziridzwa kuti iwane inflation. Kune munhu mumwe chete kana mumwe ane musoro wekutsvaga mutero wemhuri, 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.
2010 Roth Conversion Income Limitations
Muna 2010, mukana wekushandura IRA inogara kuRoth IRA inowanikwa kune vose vanoteresa pasinei nekuwana mari.
Pamberi pacho, kutendeuka kwaingowanika kune avo vainge vakagadziridzwa mari yakawanda ye $ 100,000 kana pasi.
Kuti udzidze zvakawanda pamusoro peRoth IRA kutendeuka, tarisa mibvunzo iyi inokosha yaunofanira kubvunza Pamberi yekuzadzisa Roth IRA kushandurwa .
Mipiro Yezvipo Yakachinja Kubva muna 2010
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