Iwe Unogona Kuisa Mupi IRA mu 2015?
Kana iwe uine Simplified Employee Pension pachake rekurega mari, iwe unenge watoziva zvikomborero zvekuponesa iwe pachako. Mipiro kune SEP IRA inogona kutorwa zvakananga pamusoro pemari yako inotengesa , zvichida kuderedzera mari yako yemutero mushure mekugadzirisa yako nguva refu yekurega basa.
Nhamba yaunogona kuisa mu SEP IRA gore negore inokosha, kuita kuti zvirongwa izvi zvive zvakakosha kuti vatengi vemabhizimisi vanobhadhara zvakanyanya vachitsvaga kuti vawedzere mari yavo yekuchengetwa kwemitero.
Kana iwe uri kutsvaga mamwe mimwe mitero yemitero, uiwane nokukurumidza pa:
SEP IRA Mitemo Yemiganhu 2016
SEP IRA Mitemo Yemiganhu 2014
SEP IRA Mitemo Yemiganhu 2013
SEP IRA miganhu ye 2012
2015 SEP IRA Contribution Maximums
Muganhu wemugove weSeP IRA gore roga roga kusvika kusvika 25 kubva muzana yemari yako yose kana 20% yemari yakagadziriswa , kusvika kusvika pa $ 265,000 muhupfumi muna 2015 (kubva pa $ 260,000 muna 2014). Izvozvo zvinoreva kukwira kunokwira kubva ku $ 52,000 muna 2014 kusvika ku $ 53,000 muna 2015.
Kana iwe uine makore makumi mashanu kana kupfuura, iwe uchafanira kutarisa kune imwe nzvimbo yekubata kwekubata . SEP IRAs haisi kuuya nekutora-kukwidza, asi miganhu ichiri inokosha. Iko 401 (k) mupiro mukuru muna 2015 ndeye $ 18,000 ne $ 6,000 mukana wokupa mukana wekutora kune avo makumi mashanu kana kupfuura.
Izvo zvizere zve $ 24,000, zvichienzaniswa ne $ 53,000 inowanikwa muna 2015 ne SEP IRA.
Basics of Saving in SEP
Kana iwe usina SEP IRA zvakadaro, iwe unofanirwa kuwana ruzivo rwekuponesa mune SEP IRA. Vanhu vanogona kuzarura nekugadzira SEP IRA nyore nyore kuburikidza nekambani inoshambadzirana seFidelity, Vanguard, kana T.
Rowe Price, pakati pevamwe. Iwe unogona kutokwanisa kuzarura rimwe kubhengi rako reko. Zvirongwa izvi zvinoshanda zvakafanana nezvimwe zvirongwa zvekurega basa. Mipiro kumari inogona kuiswa mune chero nzira yaunosarudza. Iwe une mari yakasiyana-siyana yekutengeserana, inotarisirwa zuva remari, mashizha, zvisungo, dzimba, uye mamwe marudzi emari yekutsvaga kusarudza kubva. Kuita zvekutsvaga kukura mitero-kunoderedzwa kusvikira vasunungurwa pamubhedha. Kana ukangotora mari yacho , iwe uchabhadhara hurumende, hurumende uye chero ipi zvayo yemitero yemunharaunda pamari, uye kana iwe ukatora kugoverwa kubva kubhuku risati rapera makore 59 1/2, uchabhadhara mari yepamusoro ye10% kutanga kubvisa.
2015 Mitero uye SEP IRAs
Chinonyanya kukosha, SEP IRA muteresi wemutero. Kana uri kutarisa kuderedza bhazi rako rebhadha mushure, iwe unogona kuzarura SEP IRA paminiti yekupedzisira kuti uwane kuderedzwa kweawa gumi nerimwe. Chero bedzi iwe uzarura iyo nhamba uye ugoisa mupiro usati watora mitero musi waApril 15, 2016 (kana musi waOctober 15, 2016 kana iwe ukanyorera kuwedzerwa), kubvisa kwako kunotarisana nemitero ya2015.
Kana iwe uchida kuwedzera mupiro wako, iwe unofanirwa kuziva iyo yako yakagadziriswa pabasa rako roga roga. IRS inokurudzira kutora mari yako yakawandisa, kubvisa mari yebhizimisi (iyo inofanira kusanganisira zvipo zveSeP IRA), uye kubvisa hafu yemutero wako wekushanda.
2015 SEP IRA Contributions for Vashandi
Kana bhizinesi rako rine vashandi, SEPs inowedzera zvishoma zvakaoma. Vashandi vanodikanwa kupa mari imwe chete yebhadharo kune SEP IRA kune vashandi vose. Izvi zvinoreva kana iwe uchida kugovera 10 kubva muzana yemari yako inowanikwa muna 2015, vashandi vako vanofanira kuita zvakafanana. Kana pfungwa yekuita izvi isingakoshi kwauri, fanisa SEP IRAs kune mamwe maitiro ediki-mabhizimusi ekurasira zvirongwa uye ona chirongwa chinoshanda kwauri.
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.