Vamwe Vanhu Vanogona Kugovera kusvika ku $ 24,000 kusvika kune 401 (k) Purogiramu
Iye zvino tora kufema uye dzokera shure kune chaicho. Hungu, iwe unogona kuita izvi zvose, asi IRS haisizivikanwe nokuda kwekupa kwakakwana.
Iwe unogona chete kupa mari yemutero-pachena kune 401 (k) kusvika kune zvimwe zviyero pagore. Zvechokwadi, iwe unogona kupa zvakawanda kana uchida, asi iwe haungagamuchiri mutero wemitero yezvipo.
2016 uye 2017 Zvikamu
Gore roga roga, IRS inogadzirisa zviyero zvezvipo zvepamusoro zvaunogona kuita kune yako 401 (k) chirongwa . Kutengesa kwezvirwere kwakaramba kwakasimbiswa muna 2016 saka muganhu hauna kuchinjwa kumusoro. Vanhu vanogona kupa chikamu kusvika ku $ 18 000 muna 2017 sechisarudzo chekusarudzwa kushandiswa kune 401 (k) hurongwa, zvakafanana neaikwanisa muna 2016. Asi kana iwe uri nemakore makumi mashanu kana kupfuura, unogona kuita mamwe mavheti "kubata" ye $ 6,000.
Mupiro wemiganhu yakagara yakagadzirirwa pamiti inotevera:
| 401 (k) Mupiro wemiganhu yegore | ||||
| Gore | Kusarudzwa Kwemari yeDhaferral Limit | Zvipo zvekugadzirira kana wava nemakore makumi mashanu kana kupfuura | Yese Inobvira Inoshandiswa Nevashandi Mupiro | Chinhu |
| 2017 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2016-141 |
| 2016 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2015-118 |
| 2015 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2014-99 |
| 2014 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2013-86 |
| 2013 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2012-77 |
| 2012 | $ 17,000 | $ 5,500 | $ 22,500 | IR-2011-103 |
| 2011 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2010-108 |
| 2010 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2009-94 |
| 2009 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2008-118 |
Muganhu unoshanda kune vose 401 (k) nhoroondo dzaungave nadzo mugore razvino. Kana iwe ukashanda pamabasa maviri kana kupfuura kana kushandura mabasa pakati pegore, unogona kuongorora 401 (k) zvipo kuti uone kuti haapfuuri zvakanyanya kubvumidzwa kunze kwekuti iwe usingafungi kupa chikwereti chemari .
Zvichienderana nezera rako, izvi zvingaita kuti urege kunyatsonzwisisa.
Kana iwe uchikwanisa kugovera huwandu, zvichida zviri nyore kuputsa chikamu chegore negore kusvika muzvikamu zvakaenzana nenguva yekubhadhara. Iwe uchave uchichengetedza mari yakafanana imwe neimwe yekubhadhara nguva iyo uye ichava madhora-mari-maonero mukati mekutsvaga kwako kwemari.
Kusarudzwa kwemafareji zvinoshandiswa zvinogona kuiswa mune imwe yemitero-yakasunungurwa tsika 401 (k) kana kuti mu-post-tax Roth 401 (k) nhoroondo. Iwe unogona kutoita kuwedzerwa kwezvipo kune zvose zvetsika uye maRoth mazoro chero bedzi iyo yose yezvese zvinoshandiswa mubhadharo zvakaenzana kana kuti zvisingasviki pasi pegore rose.
Mipiro Yevashandi Vako
Kufananidza mipiro kubva kumushandi wako kunongodarika 25 muzana yemari yako. Kana iwe uri wekuzvidzivirira uye uchibhadhara iwe pachako 401 (k), mupiro unofanana unongowanikwa makumi maviri kubva muzana yemari yako yekuita basa rako. Mari yakafananidzwa nguva dzose inobatanidzwa muchikamu chekodzero-yakasarudzwa ye 401 (k) chirongwa.
Zvose zvekusarudzwa kwemisha mikuru pamwe chete nomushandi anoenderana nemigiro inokwana $ 54,000 muna 2017.
Mazuva ekupedzisira
Iwe unogona kuita mitezo yakasvibiswa kubva pamari yako yokupedzisira yegore, asi nguva yako yekupedzisira ndeyekuti 31 Dec 401 (k) zvipo zvemakore emitero 2016 ne 2017.