Zvirongwa zvekushandira mari zvakanaka kune avo vanozvishanda.
Kune marudzi mazhinji emagadziro ekurega basa anowanikwa kusarudza kubva kana iwe uri wega. Iyo yakarurama inobva pane zvaunoda kugovera, uye kana uine kana kuronga kuva nevashandi. Zvirongwa zvina zvekurega basa zvakanyorwa pasi apa ndezvinyorwa zvakashandiswa zvikuru zvekurega basa kune avo vanozvishanda.
1. SEP - Kuzvishandira Purogiramu yePensheni
Sangano reSeP, kana Self-Employed Pension Plan, chirongwa chikuru chekurega basa kana iwe usina vashandi.
Paperwork kuzarura rudzi urwu rwerongwa harusi. Mazhinji emakambani ekutsinhanisa, makambani ekudhinda, uye mabhangi makuru achapa shanduro yeSEP kune vadzimai vemabhizimisi maduku.
Mupiro wemugove: pasi pe25% yemari yawana mari kana $ 54,000 muna 2017. (Yaiva $ 53,000 muna 2015 uye muna 2016.)
Mipiro inodiwa: Hapana. Kana uine vashandi uye ivo vakakodzera iwe unofanirwa kugovera chikamu chimwechete chekupa kwavo mubhadharo yeSeP yavo, seyero yekubhadhara kwako kwaunopa mupepanhau re SEP.
Kana iwe uchinge wawana vashandi iwe unofanirwa kugovera mupiro kwavari kana ivo:
- Wakashanda kwauri 3 yemakore mashanu adarika
- Zviwani zvinopfuura madhora 600 pagore muna 2015, 2016 uye 2017 ($ 550 pagore muna 2014)
- Vane makore 21 kana kupfuura
Dzidza zvakawanda kubva kuRRS neRustirement Plan FAQs NezveZEP.
2. Munhu wese (k) Nekubatsira Sharing
Uyu Munhu (k) chirongwa chirongwa chakareruka chetsika 401 (k) chirongwa.
Icho chirongwa chokubvisa mari chinogadzirirwa chete kune vashandi vasingakwanisi vashandi zvinoreva kuti zvinoshanda zvakanaka kune mabhizimisi ane mutezi mumwechete / mushandi, kana kumabhizimisi ayo murume nemudzimai ndivo voga vashandi / vashandi.
Iyi chirongwa inobvumira mapoka maviri emipiro: mupiro wekuregererwa kwemari uye mupiro wekugoverana.
Nekubhadhara chikamu chikamu chemupiro, mamwe mapurogiramu anokupa sarudzo yekuita mutsika, mutero wakabhadhara mutero, kana kugadzira chirongwa chinobvumira muRoth (mushure mitezo). Nhengo yekuparadzanisa mubhadharo yemugove inofanirwa kuitwa nekusvika January 15 wegore rinotevera gore regorenda mupiro.
Chikamu chinogoverwa chikamu chemupiro chinogona kusvika kusvika ku25% yemari inowanikwa (mari yakawanikwa pashure pemari yebhizimisi). Izvi hazvikwanisi kuverengerwa kusvikira gore rapera uye mamwe mamwe maverengero emitero akaitwa. Iwe unosvikira mutero wako wekutsvaga mutero nekuwedzerwa kuti uite chikamu chikagovana chikamu chemupiro wako.
Chikuru chekubhadhara mubhadharo mamiriyoni: $ 18,000 muna 2015, 2016, uye 2017 ($ 17,500 muna 2014). Kana iwe uine makore makumi mashanu kana kupfuura, unogona kuwedzera imwe $ 6,000 semari yekuregererwa kwekubhadhara chikwata chekubata mu 2015, 2016 ne 2017 (yaiva $ 5,500 muna 2014).
Nhamba yepamusoro yekugoverana mupiro: 25% yemari yakagamuchira, asi zvipo zvachose (mubhadharo wekuregererwa pamwe nekuwana kugoverwa) kune chirongwa ichi hachikwanisi kudarika $ 54,000 kubva muna 2017 / $ 53,000 kubva muna 2015 uye 2016 / $ 52,000 gore ra2014 (Pamusoro peizvi unogona kuwedzera marwadzo- kuwedzera mubhadharo kukonzera mupiro kana iwe uchikwanisa kuita izvozvo.)
Nokuti urongwa urwu hunobvumira zvipo zviviri zvezvipo, mune dzimwe nguva unogona kuisa mari yakawanda pane imwe yemitero-inobatsira pane imwe yega (k) hurongwa pane yeSeP, kunyange iwe uchiita mari yakafanana gore negore.
Semuenzaniso: ngatiti iwe unoita $ 100,000 mumatare emari yose:
- Ne SEP iwe unogona kupa $ 25,000.
- Newe Munhu (k) iwe unogona kupa $ 18,000 semari yekuregererwa kwemari pamwe ne $ 25,000 semugove wekugoverana.
(Kuverenga hakusi nyore sezvinofanira kufungidzira mutero wekuzvitsvaga iwe.Uye unoda kukumbira mutero wako wekutengesa kuti uone yako yekupedzisira yakabvumira mupiro wemari.)
Mipiro inodiwa: Hapana. Iwe une chisarudzo chekuita mari yekudzvora mubhadharo, kugoverana kwebatsiro, zvose kana kwete. Kana iwe uine vashandi vanove vakakodzera, iwe uchafanirwa kuchinja zvirongwa uye kugovera zvipo kwavari.
Mazhinji emakambani ekutsinhanisa, makambani ekubhadhara, uye mabhangi makuru achapa shanduro yemumwe Munhu (k) chirongwa, asi havasi vose vanozobvumira zvipo zveRoth.
Kana iwe ukawana vashandi iwe unofanirwa kupedza chirongwa chako kana kuronga hurongwa hwako kuMutambo 401 (k) uronga apo iwe uchafanira kupa michero kwavari kana ivo:
- Wakashanda maawa anopfuura 1 000 mugore
- Wakashanda kwauri kwegore rimwe chete (iwe unogona kuisa muganhu uyu kusvika kumakore maviri kana ari 100% akapiwa muzvipo zvevashandi kana izvo zvipo zvikaitwa
- Vane makore 21 kana kupfuura
3. Rondedzero yeZvibvumirano
Chirevo chinorondedzerwa chirongwa chisarudzo chakanaka kana iwe uri kuita mari yakawanda uye unoda kugovera zvakawanda pane iwe unobvumirwa kugovera kune SEP kana Individual (k) Purogiramu. Nechirongwa ichi, unofanirwa kunge une icho chinonzi wechitatu-mutungamiri kana kuti actuary, uyo anobatsira kutsanangura muwandu uye nguva yezvipo zvako.
Mupiro wemugove wepamusoro: Mitsara yezvirongwa zvekubatsira inogadziriswa neurongwa wehutungamiri wako kubva pane chirevo, saka mupiro wakakura uchasiyana kubva kumunhu kusvika kune munhu zvichienderana nemashoko eurongwa hwako.
Mupiro unodiwa: Mipiro inotarisirwa gore rega rega, uye mupiro wemupiro unowanzowanikwa. Urongwa urwu hwehupfumi hunobatsira munhu anozvishandira kana bhizinesi rine mari yakatsiga uye inoda kubvisa mari yakawanda gore roga roga pamutero unobviswa.
Kana iwe ukawana vashandi, iwe unofanirwa kugovera michero kwavari maererano nemitemo inorondedzerwa mubhuku rerongwa rako. Kazhinji, vashandi vanokodzera kupa zvipo apo ivo:
- Wakashanda maawa anopfuura 1 000 mugore
- Wakashanda kwauri kwegore rimwe chete (iwe unogona kuisa muganhu uyu kusvika kumakore maviri kana ari 100% akapiwa muzvipo zvevashandi kana izvo zvipo zvikaitwa
- Vane makore 21 kana kupfuura
4. ZVINOGONA Purogiramu
Chirongwa ichi chakanaka chisarudzo chakanaka kana iwe uri bhizimisi duku nevashandi, unoda kugovera kurongwa hwekugara, asi haundi kutakurwa nemugove unoda kudiwa kune vashandi, kana kusungirirwa nemari yepamusoro yehurumende yepurogiramu yako .
Chikuru chekubhadhara mubhadharo mubhadharo: $ 12,500 ye 2015, 2016 ne 2017 ($ 12,000 muna 2014). Kana iwe uine makore makumi mashanu kana kupfuura, iwe unokodzera kuita $ 3,000 zvekubata mupiro muna 2015, 2016 uye 2017 ($ 2 500 muna 2014).
Kana ukawana vashandi iwe uchafanira kupa michero kwavari apo ivo vakushandira iwe kwemakore maviri akapfuura uye wakagamuchira $ 5,000 / gore kana kupfuura imwe neimwe yemakore maviri iwayo.
Kune chero vashandi vanofanirwa iwe unofanirwa kuita chimwe chezvinotevera:
- Zvinotenderwa kufanana nemupiro: $ 1 ye $ 1 kusvika kune 3% yekutanga yebhadharo romumwe nomumwe anoshanda. Nechisarudzo ichi, iwe chete unobatsira pane chirongwa chavo kana vachizvipa ivo pachavo.
- 2% musarudzo yekusarudzira kune vashandi vose: nechisarudzo ichi, iwe unopa mupiro kune vashandi vose vanoona zvinotarisirwa, kunyange vasina kupa mari ivo pachavo.