Dzidza Kuti Unogona Kupa Mupi Wakawanda kune IRA muna 2016
Zvakakosha kucherechedza kuti IRA haisi yekutsvaga mari, asi rudzi rwekambani inogona kubhadharwa nematokari, mutengo wemari, ETFs, CDs, kana zvimwe zvikwereti zvakakodzera.
Mupiro Mirefu yeIRAs muna 2016
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 weIRA 2016 kusvika musi waApril 15 th , 2017.
Usati washanya kuti uzarure IRA, zvakadaro, sarudza kuti ndeipi (tsika kana Roth) yakakunakira iwe.
A mutsika IRA:
- Inobvumira zvipo kusvika kune makore 70 1/2 kana wakagamuchira mari
- Inopa ikozvino kubhadhara mutero kune vatori vechikamu vakakodzera (IRS inotsigira mari yako!)
- Inobvumira kushandiswa kwemari yekuwana mari yekukura mitero-yakatambiswa (kugoverwa kuchabhadhara pamutero wako wenguva dzose wekutengesa panguva yekubvisa)
- Inoda kugoverwa kunotanga nemakore 70 1/2
Deductible IRA Zvikamu zve 2016
Kukwanisa kukwanisa kubhadhara mutero wepakati pega wega wega wega yeIRA kunobva kune zvimwe zvikonzero, kusanganisira yako mari uye iwe unobatanidzwa mune imwe hurongwa hwekubhadhara mari. Mibairo yekubhadhara inoshandurawo munguva.
Kubviswa kwegore rino muna 2016 kuchaenderera mberi kubuda kune vasinales kana vatungamiriri vemhuri nemari yakawanda yakagadziriswa (AGI) iri pakati pe $ 61,000 ne $ 71,000, isina kubva kubva muna 2015.
Izvi zvinoreva kana iwe uchiwana zvishoma kudarika $ 61,000 uye zvakare uine chirongwa chekurega basa kubasa kana usina 401 (k) kana chirongwa chakafanana kuburikidza nebasa, iwe ungangodaro wakakodzera kubhadhara zvakakwana.
Kana huwandu hwekutengesa mutero hwako husiri kana huri weimba uye AGI yako inopfuura $ 61,000 asi pasi pe $ 71,000, iwe unogona kukodzera kubhadhara zvishoma. Vanhu vane mari yepamusoro kudarika $ 71,000 havazokwanisi kuwana rubatsiro rweIRA rwakabviswa.
Kune vakaroorana vanyorera mutero wekutengesa pamwe chete uye muwani achiita mupiro weIRA unofukidzwa ne 401 (k) kana chirongwa chakakanganiswa pabasa, kuderedzwa kunotanga kubuda pamadhora 98 000 uye kunowanikwa 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 kunowanzova pakati pe $ 184,000 ne $ 194,000 muna 2016, kubva ku $ 183,000 uye $ 193,000 muna 2015.
Kana iwe uri muwanano uchiisa zvakasiyana uye iwe une chirongwa chekurega basa kubasa, kubvisa kwako kugovera pakati pe $ 0 ne $ 10,000.
A Roth IRA:
- Inobvumira zvipo chero bedzi wawana mari
- Inobvumira kushandiswa kwemari inowanikwa kuti iwedzere mitero isingabhadharwi kana ichitorwa semugove wakakosha (hapana huripo hwekubhadhara mutero pamipiro, asi kugoverwa mubasa rekusarura hakubhadharwi)
- Hazvidi kuti kuparadzaniswa kunotanga nemumwe muzera (chaizvoizvo, Roth IRA inogona kupfuurirwa pamwe chete isati yawana kune vagari venhaka)
2016 Roth IRA Zvikamu
Kunyange zvazvo IRA mbiri idzi dzichipa mitero inobatsira, kupesana pakati pezviviri hakugoni kusimbiswa zvakakwana. Iro tsika yeIRA inobvumira mari yehurumende-inokonzerwa nemitero uye mitero-inoderedzwa kuregererwa apo Roth inopa hurumende isingabhadhara mari yakakodzera (asi hapana kuwanikwa ikozvino). Kana iwe usingakwanisi kutenga IRA deductible kana kufunga kuti unogona kunge uri mubhaketi yakakwirira yemutero mukurega, funga nezveRoth IRA pane.
Roth IRA miganhu yemipiro inoramba iri yakafanana muna 2016. Unogona kuwedzera kusvika ku $ 5 500 muRoth kana uri muduku kudarika makore makumi mashanu, kana $ 6 500 kana uri mukuru. Ramba uchifunga kuti zvipo zveRoth IRA hazvikwanisi kubhadhara mutero, izvo zvinoitwa nematare emitero.
Zvisinei, mari yacho haigoni kubhadharwa zvakare. Chimwe chinonyanya kukosha cheRoth IRA ndechokuti iyo mhando dzebasa rekubatira mari dzinopa mari dzisina kubhadharwa dzemitero pazera remakore 59 ½ chero bedzi iyo nhoroondo yave yakazarurirwa kwemakore mashanu. Chimwe chinhu chinowedzera chekushandura mafungiro chiripo nokuti mipiro yaunoita kuRoth IRA (kunyange kwete mari inowanikwa mari) inogona kutorwa mutero uye pasina chikwereti musati warega basa.
Kuti uwane ruzivo rweRoth IRA, kune mamiriyoni emari. Nokuda kwechimwe chete uye musoro wemutero wekubhadhara mutero, imba inowanikwa-kunze kwegore ra2016 inosvika $ 117,000 kusvika ku $ 132,000, kubva pa $ 116 000 kusvika ku $ 131 000 muna 2015. Gwaro reAGI-kubva kunze kwevateresi vanopa michero kune Roth IRA iri $ 184,000 kusvika $ 194,000 vakaroora vakaroorana pamwe chete, kubva ku $ 183,000 kusvika ku $ 193,000 muna 2015. Saka, muna 2016 hamugone kupa Roth IRA kana une AGI yemadhora anodarika $ 132,000 semunhu mumwe chete kana kupfuura anodarika $ 194,000 semurume nemudzimai vakaroorana pamwe chete.
Kuzvishandira IRA Zvikwereti Zvitsva 2016
Vakasununguka muchengeti vanoita bhizinesi ravo pachavo kana vanozvishanda vanoona kuti IRA miganhu inoramba isingashandurwi muna 2016. Muganhu we SIMPLE IRAs i $ 12,500 muna 2016, zvakafanana negore ra2015. Mipiro yekushambadzira yeIMPI IRA inoramba iri $ 3,000 muna 2016.
Kana iwe ukatora chikamu mune SEP IRA , unogona kuwedzera kusvika pa $ 53,000, kana 25% kusvika kusvika $ 265,000 muhuwandu hwemari muna 2016. Vashandi vebasa vanozvimirira vanogonawo kuva nevanoda voga 401 (k) kana Solo 401 (k) . Muna 2016, 401 (k) miganhu ye $ 18,000. Muna 2016, vanopa makore makumi mashanu kana kupfuura vanokwanisa kuwedzera $ 6,000 kune mumwe munhu 401 (k), nokuda kwechipo chikuru che $ 24,000. Ramba uchifunga nezvemuganhu uyu hauna kusanganisira chero ipi zvayo inogona "mushandi" anopa zvipo zvaunokwanisa kuzviitira iwe pachako.
Yeuka, IRA inogona kunge iri huru yekugadzirisa mutero , kunyange panguva yekupedzisira. Mipiro yegore ra2015 inogona kuitwa nguva ipi zvayo usati waisa mitsara yako 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.
Tsvaga mamiriyoni mazana emakore apfuura:
2015 IRA Contribution Limitengo