Dzidza Kuti Unogona Kuponesa Zvakadini MuSIMPLE IRA muna 2016
Sezvo zita racho rinoreva, SIMPLE IRAs inopa vashandi vaduku nzira yakarongeka yekuvabatsira ivo nevashandi vavo kuchengetedza zvakawanda zvekurega basa.
Tarisa mashoko ari pasi apa kuti uone kuti iwe unogona kuisa sei muchengeti muSIMPLE IRA uyu gore rekutere.
2016 SIMPLE IRA Contribution Limitengo
Muna 2016, vashandi vakawanda vanogona kupa chikamu kune SIMPLE IRA iri $ 12,500. Iyi mari haina kuchinjwa kubva muna 2015. Vashandi vezera remakore makumi mashanu kana kupfuura vanokodzera mari ye $ 3,000 yekubatwa . Somugumisiro SIMPLE IRA mupiro wemugove we 2016 ndeye $ 15,500 kune avo vanotora makore makumi mashanu kana kupfuura. Sezvaunogara uchiita, unofanirwa kuonana nemushandirwi wako kuti uone kana iwe usingakwanisi kuita mishandira SIMPLE IRA.
Kana iwe uri mubatanidzwa mune imwe yevashandi vakatsigira zvirongwa zvekurega basa zvakadai se 401 (k) chirongwa mukati megore, iyo yose yakabatanidzwa yevashandi vemari yemari yakawanda inokwana $ 18,000 muna 2016.
Kana iwe uchida kudzidza zvakawanda pamusoro pemiganhu yemipiro yemakore emitero apfuura iwe unogona kuongorora zvinotevera zvinotevera:
2015 SIMPLE IRA Contribution Limitengo
2014 SIMPLE IRA Contribution Limitengo
2013 SIMPLE IRA Contribution Limitengo
IRA INHU ASINA KUSHANDISA inoshanda sei?
SIMPLE IRAs dzakafanana nedzimwe mhando dzekodhi-dzakabhadhara mari yekuchengetedza mari yevanhu vanozvipira uye mabhizimisi maduku . Mipiro inoshandiswa uchishandiswa kusati yatereta madhora kuburikidza nemari yakakwana yezvinyorwa zvinoshandiswa.
SIMPLE IRAs inosanganisirawo mukana wokushandira unoita kuti zviitike zvekare kune vashandi vanobatanidzwa muurongwa hwavo hwokurega basa kubasa.
Sei SIMPLE IRAs dzakasiyana
DZIMWEI IRAs dzine zvimwe zvakasiyana-siyana zvinoita kuti zviparadzanise kune mamwe maitiro ezvokuzvidzivirira uye zviduku zvebasa rekubvisa basa remaitiro . Kugadzirisa SIMPLE IRA inonyatsotsanangurira uye inorema kune vashandirwi vasina mari inotarisirwa gore negore. Vashandi vachifunga kugadzirisa SIMPLE IRA vanoda kuziva nezvemitemo miviri inokosha pakusimbisa urongwa hwehupfumi.
- Bhizinesi duku rinofanira kuva nevashandi zana kana vashoma (avo vakagamuchira $ 5,000 kana kupfuura mukati megore rapfuura).
- Bhizimisi duku haigoni kuva nedzimwe chirongwa chekurega basa, chakadai se 401 (k) chirongwa.
Maererano nemipiro
Vashandi vanogona kusarudza kana kuenzanisa zvipo zvevashandi kune mumwe nomumwe anenge aripo kana kupa mipiro zvichienderana nehuwandu huwandu hwomunhu wese anokodzera mari yomushandi. Kazhinji, vashandi vanofanira kuita zvipo zvakakodzana pamabasa ekubhadhara mubhadharo kusvika ku3% yevashandi vanobhadhara. Vashandi vanogonawo kusarudza kupa 1% yemutambo, asi kwete kwemakore maviri mumakore mashanu. Ichi chinodiwa hachishandi muitiko iyo muvakidzani anosarudza kuita mishonga isingasarudze yakaenzana ne2% yemubhadharo wegore negore.
Mipiro isingasarudzo inofanira kuitwa nemushandi wegore negore kunyange kana mushandi wacho asingasarudze kuchengetedza mari yekurega basa mu SIMPLE IRA. Munguva yegore ra2016, mutero webhadharo wemipiro isingasarudze inoramba iri yakafanana ne $ 265,000.
Zvinotarisirwa Kufa Kwevashandi Vevashandi
Kana uri muridzi webhizimisi webhizimisi ane chirongwa cheSIMPLE IRA, unofanirwa kuisa mishonga yekuderedza miriyoni yevashandi vanobatanidza mumazuva makumi matatu mushure memugumo wemwedzi vangadai vakagamuchira mari semari. Mushandi anoenderana nemigiro kana kusingasarudzo inofanira kuitwa nezuva rakakodzera rehurumende yezvemari yekudzorera (kusanganisira kuwedzerwa).
Yakapedzerwa Kupa Murairo Rwendo
Mari iyo mushandi anogona kuwedzera kubva mubhadharo wavo kune SIMPLE IRA yakaramba isingashanduki gore regore ra2017 uye haigone kudarika $ 12,500.
Onai Chii chinonzi SIMPLE IRA? kuti udzidze zvakawanda pamusoro pekushandiswa kwatinoitwa nemushandisi akakurudzira muurongwa hwekuchengetedza.
Action Steps
Kunyange iwe uri mudiki webhizimisi kana mushandi wekambani inopa SIMPLE IRA, zvakakosha kunzwisisa kuti rudzi urwu rwerongwa hwekurega basa rungakubatsira sei kugadzirira kubhadhara. Icho "chiito chakanaka" danho rekugadzirisa zvemari kuti uongorore mipiro yako yakarongerwa yegore ra2016 kuti uve nechokwadi chokuti uri munzira yekuzadzisa zvinangwa zvako zvekurega basa. Kana iwe usati uine SIMPLE IRA urongwa panzvimbo iwe unogona kudzidza zvakawanda pamusoro peiyo yemari yekuchengetedza mari.
Zvimwe Zvinyorwa:
SIMPLE IRA Zvirongwa zveMabhizimisi Maduku (Pasi: Internal Revenue Service)