Purogiramu Yekushandira Mudaiti yeVadzidzisi uye Vasingabatsiri Vashandi
Heino kuti iwe unogona sei kuwedzera kune yako 403 (b) kuronga muna 2017:
403 (b) Mupiro wemiganhu ye 2017
Izvi zvinogona kuchinja gore negore asi zvicharamba zvakangofanana nemiganhu ye 2016. Ku 2017, mari yakawanda iwe unogona kupa kune 403 (b) chirongwa che $ 18,000 ($ 24,000 kana makore makumi mashanu kana kupfuura) kana 100% yemaripo.
Mukuwedzera kune mupiro wemugove wevashandi mari yakawanda inogona kuiswa mukati ma 403 (b) kana waanoshandira achipa mitezo yemiganhu. Nokuda kwezvirongwa zvinopa mushandirwo maonero, mubairo wezvipo wemiganhu ndeye $ 54,000. Muganhu wemupiro wevashandi unoramba uri wakafanana nepamusoro, asi waanosarudza angasarudza kuwedzera kune imwe $ 36,000 (kwete kuti inopfuura kudarika $ 54,000 muna 2017).
Ndezvipi zvakakosha zvinobatsira pakupa kune 403 (b)?
403 (b) zvirongwa zvakafanana zvikuru ne 401 (k) zvirongwa. Asi iyi yakanga isiri iyo nguva dzose (tarisa kusiyana kwemazuva ano kunotsanangurwa pasi apa). 403 (b) zvirongwa zvinoshandiswa kunyanya kushandiswa mune zvibvumirano zvepagore nedare rakasiyana nedzimwe sarudzo dzakagadziriswa kana dzinoshandiswa dzekudzoka kwemari.
Iye zvino vazhinji vema 403 (b) zvirongwa zvinopa mutero wekubhadhara mari mukati mekuchengetedza maakaiti. Kunyange zvazvo vamwe 403 (b) zvirongwa zvichiri kupa mari yekushandisa mari, kushandiswa kwemari yakasiyana-siyana yekutsinhanisa kwekubhadhara kwemari yakafanana yakafanana nekugadzirwa kwetsika 401 (k) zvirongwa.
Iyo inowanikwa yakawanda ye 403 (b) zvirongwa ndezvokuti zvipo zvinowanikwa kuburikidza nehutori hwemutero husati hwapiwa.
Kana ukashanda kune kambani inopa 403 (b), kupinda muchirongwa chemugadziri wako kunogona kukubatsira kuti uite zvinotevera munzira yekusarura:
- Gadzira uwandu hwehupfumi hwekurega basa
- Mutero unotora mutero unoderedza mari yako inotengesa
- Kuisa mari yekubhadhara imwe neimwe kunoshandisa mari yebhadharo inoshandiswa
- Makomborero anokura mutero-akataridzirwa uye haatori mvumo kusvikira iwe uchibvisa
- Mubhizimisi mari inokodzera inogona kuwanikwa
2017 Zvikamu zveRoth 403 (b) s
Sangano rakarongwa reRoth (DRA) rinobvumira masangano kuti asarudze zvipo 403b zvirongwa semipiro yeRoth. Roth 403 (b) zvirongwa zvakafanana zvikuru neRoth 401 (k) s . Izvi zvinenge zvitsva uye iyo inobatsira zvikuru ndeyokuti iwe unogona kuita mushure mekubhadhara mitero inobvumira kubhadhara mutero kusina kwekutsvaga kwako.
Kubva muna 2017, muganhu wegore negore weRoth 403 (b) s $ 18,000, pamwe chete nemamwe madhora 6 000 ekubata kwevane makore makumi mashanu kana kupfuura.
- Mipiro inogadzirwa nematare emitero mushure mekunge (hapana kubhadhara mutero wegore ranhasi)
- Makomborero anokura musingaregi mutero kwenguva yakareba (sezvaunenge uine makore 59 ½ nemakore mashanu uye ave nemakore mashanu kubva paRoth 403 yako b) mupiro)
- Kusiyana neRoth IRAs , hapana mitsara yemari
- Inopa mitero yekusiyana-siyana
- Inokodzera kuburitsa Roth IRA pamubhedha kuitira kuti usabvumidza kugoverwa kunoshandiswa (RMD)
Kana sarudzo yako inopa Roth 403 (b) chisarudzo iwe unogona kugovera kumadzitateguru, kusati kwabhadhara 403 (b) uye Roth 403 (b) mugore rimwe chete iyo nguva yakazara iyo mupiro wezvipo hauiti kudarika chikamu chegore.
Kusiyana pakati pe 403 (b) uye 401 (k)
Misiyano yakasiyana pakati pemhando dzakasiyana-siyana dzezvirongwa zvekurega basa dzakabviswa neE Economic Growth uye Tax Relief Reconciliation Act ya2001. Zvisinei, rimwe sarudzo inokosha inotumidzwa semakore gumi nemashanu kutonga ichiri kushanda kune 403 (b) zvirongwa (kana inobvumirwa nemushandi). Iyi inokosha yehupenyu hwekubata hupenyu hunobvumira vashandi vane makore gumi nemashanu kana mamwe ekushanda nemumwe mubhadhari wega kuti apiwe mari inodarika madhora 3 000 kana zviyero zvekupera mumakore apfuura hazvina kudarika $ 5,000.
Pasi pemitemo yemazuva ano izvi zvigadziro-zvisingakwanisi kudarika $ 3,000 pagore (kusvika paupenyu huwandu hwe $ 15,000). Kana zvose makore makumi mashanu nemakore gumi nemashanu ekubatanidza zvinhu zviripo, mishonga ipi inopfuura kudarika $ 18,000 gore negore inotanga kushandiswa kushandiswa kwemakore gumi nemashanu kutungamirirwa nezera remakore makumi mashanu.