Inguva Yakadii Yaungaisa IRA Yako muna 2015?
Mupiro Mitsara yeIRAs muna 2015
Mupiro mukuru muna 2015 ndeye $ 5,500, husina kuchinjwa kubva muna 2014. Izvozvowo ndezvezvipo zvekutora- $ 1,000 kune vanhu vane makore makumi mashanu kana kupfuura. Izvozvo zvinoreva kuti mwero wegore rose we $ 6,500.
Deductible IRA Zvikamu 2015
Zvechokwadi, mhando yakanakisisa yemipiro yeIRA ndiyo mitsva inobhadhara mitero yeRA. Pasinei nokuti iwe unokodzera kubhadhara mutero wakasarura kana kuti wakakwana wepamupo wako uchabva pane zvimwe zvikonzero, kusanganisira yako mari uye iwe unobatanidzwa mune imwe hurongwa hunodiwa. Mibairo yekubhadhara inoshandurawo munguva.
Kubviswa kwawakaita muna 2015 kunotanga kubuda kune vasinales kana vakuru vemhuri nemari yakawanda yakagadziriswa (AGI) iri pakati pe $ 61,000 ne $ 71,000, kubva pa $ 60,000 kusvika ku $ 70,000 muna 2014. Izvi zvinoreva kana iwe uchiwana mari shoma kudarika $ 61,000 uye hauna 401 (k) kana chirongwa chakafanana kuburikidza nebasa, iwe ungangodaro wakakodzera kubhadhara zvakakwana.
Kana AGI yako yakawanda kudarika $ 61,000 asi pasi pe $ 71,000, iwe unogona kukodzera kubhadhara zvishoma. Vanhu vane mari yepamusoro kudarika $ 71,000 havazokwanisi.
Muna 2015, chikumbaridzo chevakaroorana chakanyanya kuwedzera. Kana iwe wakaroorana uye uine faira pamwe chete, uye iwe une 401 (k) kana chirongwa chakakanganiswa kubasa, zvigadziriswa zvinotanga kubuda pa $ 98,000 uye zvakatorwa pa $ 118,000.
Kana iwe usati wakaputirwa nebasa 401 (k) asi wako wako, iwe unogona kukodzera kubhadhara kana yako yakabatanidzwa AGI iri pasi pe $ 183,000. Kubviswa kwacho kunowedzera chikamu pakati pe $ 183,000 ne $ 193,000 muna 2015.
Kana iwe uri muwanano uchiisa zvakasiyana, uye iwe une chirongwa chokubvisa pabasa kubasa, kukodzwa kwako chikamu pakati pe $ 0 ne $ 10,000.
2015 Roth IRA Contribution Limitengo
Hauna kukodzero yekutora mutero weIRA here? Edza Roth IRA pane kudaro. Roth IRA miganhu yemipiro yakaramba iri yakafanana muna 2015. Unogona kuwedzera kusvika ku $ 5 500 muRoth kana uri muduku kudarika makore makumi mashanu, kana $ 6 500 kana iwe wakwegura. Asi maRoth akasiyana nemasikirwo eIRAs. Mipiro yeRoth IRA haibhadhara mutero-inobviswa, inoitwa mushure mekuteresa. Pane imwe nguva imomo, mari yacho inowanzoregererwa zvakare. Ndizvozvo, kwete kutengesa. Kunyange kana iwe uchibudisa kunze panguva yekurega basa. Kunyange zvazvo pane zvimwe zvipingamupinyi, kugoverwa kubva kuRoth IRAs hakuna mvumo yemitero. Kunyangwe zviri nani, zvipo zvaunoita kuRoth IRA (kunyange zvazvo kwete mari inowanikwa mari) inogona kutorwa pasina mutero usati wasara.
Kuti uwane ruzivo rweRoth IRA, kune mamiriyoni emari. Iwe haugoni kupa mupiro muna 2015 kana iwe ukaita AGI yemadhora anodarika $ 131,000 semunhu mumwe chete kana $ 193,000 sevakaroora vakaroorana pamwe chete.
Kuzvishandira IRA Zvipo Zvikamu 2015
Nhau dzakanaka dzevashandi vomubatsiri vane purozinesi yavo pachavo ndeyekuti kuzvipira kweIRA mitsara yakawedzerwa muna 2015. Muganhu we SIMPLE IRAs uri $ 12 500 muna 2015, kubva pa $ 12,000 muna 2014. Mipiro yekuwana ye SIMPLE IRA inowedzera kusvika $ 3,000 ( kubva pa $ 2,500) muna 2015.
Kana uine SEP IRA , unogona kuwedzera kusvika ku $ 53,000, kana kuti 25% kubva kune $ 265,000 mumari yakawanda muna 2015.
Vashandi vezvebhizimisi vanogonawo kuva nevanoda voga 401 (k) kana Solo 401 (k) . Muna 2015, miganhu ye 401 (k) s yakasvika kusvika $ 18,000. Iko 401 (k) muchero wekubata mupiro unowedzerawo. Muna 2015, vanopa makore makumi mashanu kana kupfuura vanokwanisa kuwedzera $ 6,000 kune mumwe munhu 401 (k), nokuda kwekupa mupiro we $ 24,000. (Izvo hazvirevi kuti "mushandi" anogona kuenzanisa zvipo zvaunogona kuzviitira iwe pachako.
Yeuka, IRA inogona kunge iri huru yekugadzirisa mutero, kunyange panguva yekupedzisira. Mipiro yegore ra2015 inogona kuitwa nguva ipi zvayo usati waisa mitero yegore. Izvozvo zvinoreva kuti iwe unosvika musi waApril 15, 2016, kuti upe mupiro uye utore chero ipi zvayo inobhadhara mutero. Kana iwe uine self-hire IRA uye iwe ugoisa chikwata, iwe unogona kuita gore rinotangira mari pamberi peOctober 15, 2016.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kunge iwe pachako huri hwaro chete hwekutsvaga kwako kana kutora musarudzo. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.