Maximums for 2014 Keoghs, aka HR 10s kana Mazano Akakodzera
Kana bhizinesi yako yakarongedzwa seimwe yeiyo iri pamusoro, tsvaga zvakawanda pamusoro pezvirongwa zvakakwana uye misha yavo yakawanda yemipiro muna 2014.
Qualified Plan (Keogh) Zvikwereti 2014
A Keogh yakafanana ne 401 (k) chirongwa chokubvisa mari , asi inouya mumhando mbiri. A defined defined plan plan yakafanana netsika yepensheni, iyo iwe unogona kubhadhara ne $ 205,000 muna 2013 uye $ 210,000 muna 2014, kusvika ku100% yemaripo. Zvinouita sarudzo inofadza yekubhadhara zvikuru vanhu vanozvishanda vanoda kugovera mamwe madhora akawanda vasati vashandira mari. Chirongwa chinorondedzerwa chirongwa chinoita kuti iwe ujekese mari yauchaisa gore negore. Iwe unogona kuwana Keogh Iwe unotsanangura chipo chichaitwa gore rega rega. Iwe unogona kuita izvi nenzira mbiri: kugovana-pfuma kana kutenga mari. Nekugoverana kwebatsiro, iwe unogona kuwedzera kusvika kusvika $ 50,000 muganhu muna 2012, uye inogona kutora kusvika ku25% yemari. Zvaunosarudza kupa chikamu chekugoverana-purogiramu chinogona kuchinja gore negore.
Neurongwa hwekutenga mari, iwe unotanga pakutanga pakutanga kwehuwandu hwekuwana huchaiswa muKegh. Asi chipo ichocho chinodiwa kana pane zvipo, uye hazvigoni kuchinjwa. Kana mupiro usina kuitwa, iwe uchasangana nechirango.
Mipiro yakagadzirwa kune rumwe rudzi rweurongwa inogadzirwa pamusana pekubhadhara, zvichireva kuti inodzingwa mubhadharo wako wekubhadhara, kana iwe unogona kutora kusarudzwa kwepamusoro pamutero wako wegore wekubhadhara.
Kuisa mari muKeogh
Sezvo nechetsika 401 (k), mari yakabhadharwa kuKegh inogona kuiswa mubhadharo-inoderedzwa kusvikira kusunungurwa kunotanga pazera remakore 59 1/2 uye pasina mushure mezera remakore makumi manomwe. Kuregererwa kwakaitwa nguva iyoyo isati yanyorerwa pane imwe nyika uye zvichida mamiriro ehurumende uye emunharaunda, uye pamwe, pamwe chete nezvimwe, iwe unogona kunge uchinge warohwa nemari yekuripira 10%.
Iwe unoshandisa mari yako yakagadziriswa mari mune imwe nzvimbo yemari yekutsvaga. Iwe unogona kusarudza kubva mumatokisi, zvisungo, mutual funds, uye chero mimwe mitero yemitengo.
Kusiyana nedzimwe mhando dzemabhizimisi maduku emari ekurasikirwa kwemari, Keoghs inofanira kusimbiswa kusati kwapera gore kuti iwane rubatsiro rwemitero yegore iroro. Asi kana iwe wakagadziriswa, iwe unogona kupa michero yegore rakapera kusvikira nguva yaunotora mitero yako.
Ko HR 10s kana Keogh Inoronga Kodzero Yebhizimisi Renyu Here?
Kana uri kutarisa HR 10, unofanira kuziva kuti inoda mari yakawanda yemapepa egore negore. Fomu yeRS 5500 inofanira kuiswa gore roga roga, uye kune vazhinji vedu, izvo zvinoda rubatsiro rwekwereta mutero kana unyanzvi hwemari. Zvechokwadi, kana uri kufunga nezveKegh unofanirwa kukurukura zvaunogona kusarudza neine mari yekugadzirisa kana muteresi muteresi. Handigoni kutotanga kuvhara zvinetso zvingangodaro zvezvirongwa izvi iwe nebhizimisi rako.
(Kunyange nzvimbo ye IRS inoratidzika isisina ruzivo.) Kana iwe uri munhu mumwe chete, chirongwa cheSeP IRA ine mitsara yakafanana uye iri nyore kunzwisisa nekugadzirisa.
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.