Nzira yekushandisa mitemo yekubhadhara mitero shoma muna 2016.
- Mari inowanikwa pasi; pasi pe $ 75,300 vakaroorana, $ 37,650 vasina kuroorwa
- Iwe wakarashikirwa nebasa kana kuti wakabatira pabasa pakutanga
- Iwe wakasiya basa mushure megore kana kuti ungasarirwa gore rinotevera
- Mari yepamusoro; $ 200,000 kana kupfuura
- Zera remakore makumi matanhatu nemasere
- Kusvika makore makumi manomwe
Tsvaga chikamu (s) chinoshanda kwauri kune mazano ekugadzirisa mutero wegore.
1. Zvikamu Zvishoma
Kana iwe mari yako inotengesa (iyo inowanikwa mushure mekudzvora kwose uye kusunungurwa) inogona kunge iri pasi pe $ 75,300 yakaroora kana kuti $ 37,650 isina kuroorwa, saka inoshandisa ruzivo rwezero zero yakagadziriswa uye inowanikwa kwenguva refu. Heino nzira. Kana uine zvikwereti kana mari mune imwe nhoroondo yekusasarura iwe unogona kukwanisa kuwana mari inowanikwa uye usabhadhara mutero. Kwegore ra2016, mutero wekubhadhara pamigumisiro yenguva refu yemari inoramba iri pazero yezana kune avo vari 10% uye 15% mabheji emitero.
Chii chaunofanira kuita? Iwe uchada kuita mitsara yemitero kuti uenzanise mari yako inotengesa uye mari inowanikwa kubva mberi uye shure mushure mechipi chinotarisirwa kuchinja. Kana pane nzvimbo yekuwedzera mari yakawanda iyo isingabhadhari mutero, usazeza. Zivai zvinobudirira.
Chenjedzo 1: Iwe unogona kungoshandisa chinhu ichi kuti uwane zvikwereti muhomwe "inozadza" 15% bracket. Semuenzaniso, sewaini yakaroorwa, kana iwe une $ 50,000 yemari inotengesa, inokusiya iwe neimba ye $ 25,300 yemari yakareba yemazuva akawanda iyo inogona kukodzera kupa zero muzana.
Kuchenjerera 2: Kana iwe uine kurasikirwa kukuru kubva mumakore apfuura, iwe gore razvino mari yekuwana mari inoshandisa iyo kurasikirwa iko kutanga izvo zvinoreva kuti hausi kuzoshandisa chaizvo zero muzana mari inowanikwa mutero. Mune mamiriro ezvinhu, zvingasava zvakakosha kuona zviwanikwa. Iwe unogona kuda kuponesa kurasikirwa uku kuti ushandise kusagadzikana mune ramangwana rekuwana mari inogona kubhadharwa pamutengo wakakwirira.
Zvakanakisisa nokuda kwekuzviona : Nenzira yekuziva zvikwereti kana iwe uchange uri mukati kana pasi pe15% bracket uye usina mari yekurasikirwa inofambisa . Kunyatsoona pfuma inogona kusanganisira kuchinjana, sekushandura imwe S & P 500 stock index fund yeimwe S & P 500 stock index fund.
2. Yakarasikirwa Jobho kana kuti Yakasara Kubvira Gore
Kana iwe wakarasikirwa nebasa kana kuti ukabvisa pamba pagore iwe unogona kuva nemari shoma shoma yegore, kunyanya kana iwe uchitora zvishoma. Mumakore aya funga kuchinja kweRoth.
Chii chaunofanira kuita? Makore emari anowanikwa muzasi anokwanisa kukonzera mamiriro emitero apo iwe unowedzerwa zvakawanda kupfuura mari. Mumakore iwayo unogona kukwanisa kuchinja chikamu chetsika yeIRA kuenda kuRoth uye usabhadhara mutero. Iwe unogona kushandura chiyero chakanaka kuti chienzane nemari yezvakabviswa zvaunayo, uchisiya mari yako inotengesa ku zero. Kana kuti iwe unotarisira kuva mubhaketi yakakwirira yepamusoro mushure mekurega basa, iwe ungada kuchinja zvakakwana kuti uzadze mabheji emitero 10% kana 15%. Iwe uchazongoratidzira mukana uyu nekuita gadziriro yemagetsi ekugadzirira pamberi peDecember 31.
Zvakanakisisa ndezvekuti : Vaya vanhu vanobhadharwa mari inozobhadhara ikozvino vachabhadhara pamutengo wakaderera pane zvavanenge vazoona mushure mekurega basa.
3. Iwe Wakasara Kurega Mugore Mugore, kana kuti May Retire Rekutanga Gore Rinotevera
Kana iwe ukazorora pabasa mugore rapera kana urongwa hwekubvisa pamangwanani gore rinotevera, unogona kuona kuchinja kukuru mumamiriro ako emitero.
Chii chaunofanira kuita? Kana kushanduka kwemaitiro ako emabasa kunoreva kuti bhakoni yako yepamusoro ichave yakaderera gore rakatevera, iwe ungada kuona kana iwe unogona kutarisa mari kana mabhonasi kubva mugore rino remutero kusvikira mugore rinouya apo bhakisi yako yemutero ichave yakaderera .
Zvakanakisisa kune: Avo vanotarisira kuva nemari shoma gore rinouya kupfuura gore rino razvino.
4. Kuwedzera Kwekuwana Kwekuwana
Vaya vane mari inotarisirwa zvikuru kupfuura madhora mazana maviri nemakumi maviri emadhora ekuroora, $ 200,000 nokuda kwemasles - tarisai kubhadhara. Iyo Medicare surtax inokanganisa vanowana mari yakawanda. Icho chikwereti che3,8% chinoshandiswa kune mari isina mari yakawanda kupfuura mamwe mahwindo. Mukuwedzera, vanowana mari yakawanda vanogona kunge vari pasi pekugadzirisa kwezvikwereti zvakaitwa uye zvakasunungurwa pachedu.
Chii chaunofanira kuita? Iwe unogonazve kugadzirisa kusachengetedza kwemari uye kusasimwa kwemari kuitira kuderedza mari inoshandiswa inogona kuita kuti iwe uzviise pasi pepareta yeMedare.
Semuenzaniso, masuo emunharaunda mari yekusungwa haazozviisi pasi pekubhadhara.
Pamusoro pezvo, mairi akawanda kubva purogiramu yekudzikinura yakagadziriswa - somuenzaniso kana iwe wakatanga basa pakati pemakore iwe unogona kubvisa mari yako yose yekubhadhara kune imwe kambani yekurasikirwa kwekambani kuongororwa mashomanana ekupedzisira egore kuti uwane mari yakawanda yegore - uye ita nechokwadi kuti iwe unopa maHSAs - kana mamwe mazano ekubvisa iwe unokodzera.
Zvakanakisisa ndezvekuti : Vashandi vemitero yepamusoro-zhinji vane zvakawanda zvekutsvaga mari iyo isiri yakachengetwa mumabhadhare akaremberedzwa.
5. Zera 63 kana Yekare
Gore roga roga mapurogiramu enyu eMedicare Part B anotsunga kuburikidza nokutarisa pamutero wenyu wekubhadhara makore maviri apfuura. Kana iwe une gore rine mari yakawanda, kunyange kana yakakonzerwa nechiitiko chimwechete-sekutengeswa kwechimwe chivako, zvinogona kuita kuti premiums yako yeMedarereji B ive yakakwirira makore maviri gare gare.
Chii chaunofanira kuita? Tarisa kana kune nzira yekuparadzira zviwanikwa uye mari yepamusoro kwegore rimwe chete yemutero kuti urege kuyambuka chirwere cheMedare Chikamu chegore rimwe nerimwe. Kana iri nguva imwe chete kunyange iyo inokuisa iwe pachikumbaridzo, ipa chikumbiro neSocial Security uye tsanangura kuti mari yako haisi ikozvino yakakwirira sezvakanga iri gore iroro.
Zvinonyanya kukosha : Vanhu 63 kana kupfuura vanofungidzira kuti vanoona zvikwereti zvinowanikwa kana kuti zvikamu zvekutengesa (kubva kutengeswa kwebhizimisi somuenzaniso) avo vanogona kupararira kugona kwemari kunze kwegore rimwe chete yemitero kuti varambe vari pasi peMurengeti weBureti B B.
6. Kuchinja makore 70
Pave nemakore 70 ½ unofanira kutora kutora zvakaderera zvakaparadzirwa kubva kumabhengi ekurega. Iyi inowanikwa mari inowanikwa mari inogonawo kuita zvakawanda zvehutano hwehupfumi hunoenderana nemitero. Izvi zvinokonzera vanhu vakawanda vanotanga kudiwa kuti zvidimbu zviduku zvibatirwe nechepamusoro pane zvakatarirwa mutero.
Chii chaunofanira kuita? Iva nechokwadi chokuti iwe hauna mari yakakwana yemutero kubva kugoverwa kwako kweIRA. Mugumo wegore wekugadzirisa mutero uchakubatsira iwe kunyatsotarisa yako itsva yemutero mushure mekuti iwe uine mutero wakakodzera wemutero usina kuchengetwa.
Zvakanakirei: Ani naani ari kutanga zvigadziro zvadzo zvishoma zvinodiwa.