Kuchinja Kudiki Kuga Muna 401 (k) Zvikamu zve 2017
- Mitsara yekuregererwa kwemari-iyi ndiyo mari yaunopa
- Mibairo-Iyi ndiyo mari yakawedzerwa iwe unogona kupa kana iwe uine makore makumi mashanu kana kupfuura. Shandisa zera rako sekuguma kwemwedzi wegore.
- Mipiro yevashandirwi-Iyi ndiyo mari yaunoshandisa mubhadhari uye inogona kuiswa pasi pemazuva ano
Kune mhando miviri yemiganhu-muganhu wepamusoro wemari yaunogona kupa semari yekuregererwa kwemari-uye muganhu wehuwandu wezvipo zvacho zvose zvinosanganisira zvose zvekupa nemupiro wako.
Zvose zvikamu zvinotsanangurwa pasi apa.
2017 Dhigiriro Remari 401 (k) Mupiro Mitsara
- $ 18,000 Miridzo yekuregererwa (izvo iwe unobatanidzwa achizvipira kubva muhomwe yako mubhadharo)
- 6,000 Kubata (zvimwe 401 (k) zvipo zvinobvumidzwa kana iwe uri nemakore makumi mashanu kana kupfuura. Shandisa makore ako sekuguma kwemwedzi wegore.
Iyo miganhu yepamusoro inoratidzira iwe wese sewe mushandi anogona kupa chikamu kune yako 401 (k) hurongwa. Hakuchina kuchinja kubva muna 2016.
401 (k) Zvikamu Zvose zvegore negore zvinopa zvipo zve 2017
Zvose zvipo zvinopa mupiro zvinomiririra mupiro wemugove wemari unobvumirwa kusanganisira zvose zviripo iwe nemupiro wako.
- $ 54,000 gore rose 401 (k) muganhu wemiganhu kana iwe uine makore 49 kana kuti muduku
- $ 60,000 gore rose 401 (k) muganhu wemiganhu kana iwe uine makore makumi mashanu kana kupfuura
Dhora huru inowanikwa pamusoro apa inomiririra chikwereti chakakwana chinogona kugoverwa sekubatanidza zvose zvako uye mibairo yevanoshandira.
Zera remakore makumi mana nemakumi mashanu pamusoro apa ndiyo inonzi Chikamu 415. Mipiro yekubatanidza inogona kuitwa nekuwedzera kune chikamu cheChishanu 415, ndicho chinoita kuti makore makumi mashanu ekupa mupiro muganhu wakaenzana nechikamu chechikamu 415 pamwe chete nemugove wakagamuchirwa wekushambadzira.
Mukuwedzera kune mvumo inobvumirwa inowanikwa pamusoro apa dzimwe nguva unogona kuwedzera mari yakawanda kune mamwe maitiro ezvirongwa, semurongwa we 457, Roth IRA, kana IRA isina kubviswa.
Zvose zvinoenderana nemari yako uye mhando dzezvirongwa zviripo kwauri.
401 (k) yeVanhu Vanozvishandira
Kana iwe uri wekushanda iwe unogona kugadzira izvo zvinowanzonzi munhu mumwechete K kana Solo K chirongwa. Izvi zvinokubvumira kuti upe mari yezvokubhadhara zvipo semushandi uye kuita mari yekugoverana kwezvipo semushandi.
Mhando dze 401 (k) Mipiro ye IRS Inobvumira
Vakawanda 401 (k) zvirongwa zvinokubvumira kuisa mari muchirongwa chako nenzira dzose dzinotevera:
- 401 (k) mari isati yabhadharwa-Mari inowanikwa mumutero unoregererwa. Iwe uchabhadhara mutero pairi kana iwe uchibvisa.
- Roth 401 (k) mupiro (unonzi Dhipatimendi Yakarongwa Roth) -Money anopinda mushure me-mitero inobhadharwa. Vose vanowana havatori mutero uye haubhadhara mutero kana iwe uchibvisa.
- Pashure-mutero 401 (k) zvipo-Mari inopinda mushure-mitero inobhadharwa. Kufarira kunowedzera mitero-yakatambiswa, asi iwe unobhadhara mutero pane chero pfuma apo iwe uchiita zvekutora. Iyi mibairo yemitero inogona kuendeswa kuRoth IRA paunotora basa.
Ndinofanira Kupa Mari Yakawanda Sei Kwangu 401 (k)?
Kazhinji yenguva, zvishoma, iwe unoda kugovera zvakawandisa kune yako 401 (k) kugamuchira vose vanoshandira kuenzanisa zvipo zvinowanikwa kwauri. Kunyatsoongorora uye kuronga kwemitero kunofanira kushandiswa kutsvaga rudzi rwepi kana maitiro e 401 (k) zvipo (kureva, michero inobviswa kana Roth mipiro) ichave yakakunakira iwe.
Ndingafanira Sei Kuisa Mari Yangu 401 (k) Mari?
Iwe uchazofanirawo kufunga nezvekuisa mari yako 401 (k) mari. Vazhinji 401 (k) zvirongwa zvinopa Target Date Funds , kwaunosarudza mari negore rekarenda iri pedyo negore rako raunoda kurasikirwa. Iyi mari inewo mahofisi ekufananidza aunogona kusarudza, zvishandiso zvepaIndaneti kukubatsira kuti uongorore ngozi yakawanda yaunoda kutora, uye zvipi zvarudzo dzemari zvingasangana zvakanakisisa.
Ndingawana sei mari kubva muna 401 (k)?
Yako 401 (k) mari yakagadzirirwa kubhadhara. Hazvisi nyore kutora mari kunze (pasina kubhadhara mari yakawanda) apo iwe uchiri kushanda. Yakarongwa nenzira iyo nechinangwa saka iwe unomanikidzwa kubvumira mari kukura nekushandiswa kwako munguva yemberi.
Makore 401 (k) Mitsara yeRafa Deferral Contribution Limits
| Gore | Kusarudzwa Kwemari | Batana |
|---|---|---|
| 2017 | $ 18,000 | $ 6,000 |
| 2016 | $ 18,000 | $ 6,000 |
| 2015 | $ 17,500 | $ 6,000 |
| 2014 | $ 17,500 | $ 5,500 |
| 2013 | $ 17,000 | $ 5,500 |
| 2012 | $ 16,500 | $ 5,500 |