Vanhu vanogona kuchengetedza kusvika ku $ 18 500 pagore kuburikidza ne403 (b) hurongwa huri muna 2018
Vose vanobhadhara vanogona kupa sarudzo yekusarudzwa kune 403 (b) chirongwa chiri $ 18,000 kubva muna 2017, asi kana iwe uri nemakore makumi mashanu kana kupfuura, unogona kuwedzera $ 6,000 semupiro we "catch-up". Vashandi vanogona kupa chikamu kusvika 25 kubva muzana yemari yevashandi vegore sechipo chinowirirana. Zvose zvakasarudzwa zvekusarudzwa uye zvipo zvinowirirana zvinokwana madhora 54,000 kubva muna 2017, asi izvi zvinogumira zvikakonzerwa nehupfumi.
Izvi zvinoreva kuti vanogona kutarisirwa kuwedzera nguva nenguva kuti varambe vaine upfumi.
Iyi chati inogona kubatsira kuisa zvose mune zvakaitika kare. Uchaona kuti miganhu haina kuwedzera zvakanyanya kubvira muna 2009, asi yakanyura zvishoma nezvishoma kuti ienzane nehupfumi uye hupfumi, zvichida kusvika pamwero.
| 403 (b) 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 |
2018 Muganhu
Iko kusarudzwa kwemahotera ekuregererwa kwemiganhu kunowedzera ku $ 18 500 muna 2018. Muganhu wekusvitsa unoramba uri $ 6,000. Zvose zvinopedzerwa nemupiro wemugove zvinomirawo zvakasimba pa $ 24,000 kwegore rimwe chete.
Mienzaniso Ivai Nezvimwe Zvirongwa Zviviri
Iyi miganhu inoshanda kune zvose zvese 403 (b) uye 401 (k) inobhadhara mubhadharo angave ane gore rose. Mune mamwe mazwi, kana iwe ukashanda pamabasa maviri kana kupfuura kana kushandura mabasa pakati pegore, iwe ungafanira kupa nguva yekuona zvipo zvako kune yako 401 (k) uye 403 (b) urongwa hwekuita kuti iwe usapindira zvinopfuura chiyero chinotenderwa.
Mimwe mazano ekuputsa muganhu
Zvinogona kunge zviri nyore kuputsa mutsetse wegore negore kuenzana nedhora rinokwana mari imwe neimwe yekubhadhara kana iwe unoronga kugovera chikamu chikuru chakabvumirwa. Izvi zvinokubvumira kuti uchengetedze mari yakafanana imwe neimwe yekubhadhara uye ichaita madhora-mari-inowanikwa zvipo zvako mumari yako yekusara. Iwe unogona kuita izvi nekutora chikamu chako chegore negore chekupa mupiro uye kugovana icho chizere nenhamba yekubhadhara nguva mukati megore.
Elective Deferrals
Kusarudzwa kunoshandiswa kunoshandiswa zvakasiyana nemigiro inoshandiswa yevashandi. Mumwe nomumwe ane mimwe mitemo uye mutero wekutengesa. Sarudzo 403 (b) kana kuti mushure mekubhadhara Roth 403 (b) nhoroondo, kana kusanganiswa kwekodhesi uye reRoth, chero bedzi iyo yose inoshandiswa mubhadharo inowirirana kana pasi pepamusoro wegore rose.
Kufananidza mipiro kubva kumushandi wako kunongodarika 25 muzana yemari yako. Kuenzanisa mari nguva dzose kunobatanidzwa kune chikamu chetero-chakasvibiswa che 403 (b) chirongwa.
Zvose zvekusarudzwa kwemari yako kushandiswa pamwe chete nemushandi anoenzanisa zvipo zvinokwana $ 54,000 kusvika 2017. Iri mari inosvika $ 1 000 kubva pamadhora makumi mashanu emadhora anoshandiswa muna 2016 uye muna 2015.
Cherechedza: Nguva dzose bvunzurudza unyanzvi wemutero kune zvakanyanya kufarira kusvika kune zuva. Mitemo yemitero nemitemo inogona kuchinja nguva nenguva. Ichi chinyorwa hachisi mazano emutero uye hachirevi semazano emitero.