Ndezvipi Zvakawanda Zvingaisa MuIra YAKASIKANA muna 2013? Heino izvo Zvaunoda Kuziva.
Mumwe wavo ndiye SIMPLE IRA.
SIMPLE inomirira kuchengetedza mari inokurudzira vashandi. Kunyangwe iwe uchifunga kuti zvakajeka zvinoenderana nezvamuri kutsvaga muurongwa hwekurega basa . Dzidza zvakawanda pamusoro peSIMPLE IRAs, kuti uone kana vakarurama kwauri.
Chinokosha Chinokosha: Muganhu wekupa mupiro wegore negore wakashanduka kubvira muna 2013. Kana uri kutsvaga SIMPLE IRA mupiro wemiganhu yezvikamu zvemakore emakore achangotora unogona kuongorora zvinotevera zvinotevera:
2015 SIMPLE IRA Contribution Limitengo
2014 SIMPLE IRA Contribution Limitengo
2013 SIMPLE IRA Contribution Limitengo
Vanhu vane SIMPLE IRA vanogona kuwedzera mari ye $ 12,000 muna 2013. Zvichienderana neurongwa hwako, zvisinei, iyo miganhu inogona kuva yakaderera. Pano panewo mimwe michero yekubatanidza inopiwa kuvanhu vane makore makumi mashanu kana kupfuura. Muganhu wekubata mutsva wegore ra2013 i $ 2,500. Taura newaunoshandira kuti aone kana mupiro wekubata unogona.
Iwe unogona kugovera kune dzimwe zvirongwa zvekurega basa mugore irorochete iwe unobatsira paSIMPLE IRA, asi iwe unotarisana nemubhadharo wakazara wezvirongwa zvose ndeye $ 17,500. Zvichiitika, $ 17 500 ndeye mupiro wepamusoro we 401 (k) inoronga muna 2013, pamwe nekuwedzerwa kubata mari ye $ 5 500.
Iwe unosvikira mutero unosvitsa nguva yakatarwa yekubhadhara SIMPLE IRA yako yegore rakateresi yemutero.
Kana uri kutora mitero yako muna 2016, tarisa mitsara yemipiro ya 2015 .
Munhu asingasviki anoenzanisa sei nedzimwe zvirongwa?
IRA isinganzwisisi iri munzira dzakawanda seyakaita 401 (k) chirongwa kana chirongwa chakafanana chekugara basa. Mari yaunopa inoenda inotangira mutero-kana, kana iwe uri muridzi webhizimisi , unogona kubvisa zvipo kubva pamutero wako wekubhadhara iwe paunopa mitero. Mipiro inogona kudyirwa muzvikamu zvemari, zvigadzirwa uye / kana zvisungo, zvichienderana nezvipo muurongwa hwako. Iwe unosarudza kupi kwaunoda kuti mari iende. Kuita zvekutsvaga kunowedzera pamutero wekubhadhara mutero , izvo zvinoreva kuti hapana mitero inotorwa kusvikira iwe ubvisa mari. Kana iwe ukabvisa mari mushure mezera remakore 59 1/2, unobhadhara mitero yemari paunotora . Kana iwe ukabvisa mari yacho usati wakura, iwe uchabhadhara mitero pamwe chete nemari 10% yemhosva.
IRA isingashandi inoshanda nenzira dzakasiyana nenzira shomanana. Chokutanga, pane yakavakwa mumashandi anofanana nekukurudzira . Muzvakawanda 401 (k) mazuva ano, mushandi wekushandira ishaini yakawanda. Kana iwe une SIMPLE IRA, mipiro yako inofanira kuenzaniswa neanoshandira kusvika 3% yemari. Kunyange kana iwe usingaiti michero, wako waunoshandira anogona kuita chipo chepabonde panzvimbo yako ye 2% yemari.
Imwe musiyano mukuru ndeyekuti SIMPLE IRA rollovers inoshanda sei.
A rollover ndeye paunotamisa mari kubva kune imwe yemararamiro emitero ekurega basa kune Rollover IRA pasina chirango mushure mokusiya basa. Iwe unogona kuita izvozvo kana iwe wakanga uine chikamu mu SIMPLE IRA yako pasi pemakore maviri. Kana iwe ukasiya basa rako usati waiswa mune imwe SIMPLE IRA kwemakore anopfuura maviri, unofanira kuzviisa mune imwe SIMPLE IRA, kana kuisiya iyo iri.
Zvizhinji zvezvinyorwa zveSIMPLE IRA zvingaita sezvipingamupinyi kumudzimai webhizimisi muduku achitsvaga chirongwa chakanaka chokubvisa basa rake kana vashandi. Kana iwe uchida kuenzanisa zvipo, zviri pachena chirongwa chekufunga.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.