457 Plan Contribution Limits

IRS Contribution Limititi kune 457 Deferred Compensation Plan iri $ 18,500 muna 2018

A 457 chirongwa chirongwa chekurega basa chinopiwa nehurumende nehurumende uye kune dzimwe masangano asingabhadhara mitero pasi peInternal Revenue Code 501 (c). Iro 457 (b) chirongwa chirongwa chekubhadharisa mari chinokubvumira kuti ubatsire kubhengi yekubvisa mari uye uchengetedze zvipo izvozvi kubva pamitero yazvino. 457 (b) zvirongwa zvinopa mupiro zvakaenzana zvakafanana 401 (k) uye 403 (b) zvirongwa. Zvisinei, pane zvimwe zvakasiyana-siyana zvinoita kuti 457 (b) ironge nzira inofadza kune avo vakakodzera kupa mipiro.

Pasi apa miganhu yemipiro yemwaka wegore ra2016:

2018 Mipiro Yezvipo zve 457 (b) Zvirongwa

Kufanana nemiganhu yekupa 401 (k) s, iwe unogona kuwedzera kusvika ku $ 18 500 kusvika kune 457 (b) hurongwa muna 2018. Uyu muganhu wemiganhu yemugove kuwedzera zvishoma kubva muna 2017 apo muganhu waiva $ 18,000. Kana iwe uri mushandi wehurumende panzvimbo yekushandira sangano risina kubhadhara mutero kune umwe mupiro we "catch-up" unowanikwa. Kana iwe uine makore makumi mashanu kana kupfuura, unogona kuisa mari ye $ 6,000 pamigiro ye "catch-up" ($ 24,500 mupiro wemiganhu wemakore makumi mashanu kana kupfuura muna 2018). Zvose zvizere muganhu uye muganhu we "catch-up" wakarongerwa kuwedzera mune ramangwana nehutengo.

Pasinei nokuti iwe unoshandira mushandi wehurumende kana sangano risina kubhadhara mutero chimwe che "catch-up" sarudzo iripo. Kana uri pedyo nekutora basa, iwe unogona kuwedzera zvakanyanya muzvipo zvekusvitsa kune yako 457 (b).

Kwemakore matatu usati wapedza basa, iwe unogona kukwanisa kugovera kaviri mutengo wegore negore. Izvozvo zvinopa mari ye $ 37,000 muna 2018. Zvisinei, cherechedza mupfungwa kuti iwe haugoni kushandisa maitiro maviri ekutora-gore mugore iroro. Asi kana ukagamuchira mushandi achifananidza nemupiro, yako yose chirongwa chemupiro wezvipo chinogona kuva chikuru.

Ramba uchifunga kuti mari yose yaunogona kupa 457 (b) chirongwa hachikwanisi kuva mamiriyoni zana emari yako.

Ndezvipi zvinobatsira zvekutora chikamu mune 457 (b) chirongwa?

Iko kune zvimwe zvakanakira mitero yevatori vechikamu mune 457 (b) chirongwa. Kungofanana ne401 (k) uye 403 (b) zvirongwa, mune chirongwa che 457 mitezo yose inokura mutero-inoderedzwa. Izvi zvinoreva kuti iwe haungabhadhara mitero yemari inowanikwa pamipiro yaunoita kana kuti iwe unotora mari inowanikwa muurongwa hwako hwekusarura kusvikira iwe ubvisa mari. Apo iwe unotanga kugadzirisa kubva pane chirongwa izvi zvisizvo zvinozobhadharwa semari inowanikwa mari. Chimwe chinhu chinogadzirisa zvirongwa 457 kunze kwezvimwe zvirongwa zvekurega basa semakore 401 (k) uye 403 (b) hapana 10% yekutanga kutora chirango kana ukasarudza kutora mari kubva mubhuku rako 457 usati wava nemakore 59 ½. Mutemo uyu unongoshanda chete chero bedzi iwe usisiri kushanda kumushandi mumwe chete. Uku kusiyana kwakasiyana-siyana kunowanzoita kuti 457 (b) zvirongwa zvive zvakakosha kupfuura vezera ravo, kunyanya kune avo vanogadzirira kubvisa kare kana kuwana mari yavo yekurega mari vasati vava nemakore 59 1/2.

Kuti uwane mamwe mashoko pamusoro pe 457 (b) zvirongwa iwe unogona kushanyira webhusaiti yeRR kana kuongorora Publication 4484 .

Kurega Kusarura Kuchengetedza Mazano eDhaniro 457

• 457 zvirongwa zvino zvava kunyanya kushandiswa kudarika kare. Kana iwe ukashandira mushandi wehurumende uye wobva wachinja mabasa kana wapera, iwe unogona kutumira mari kubva kubhuku rako re 457 kusvika kune wawakashandira 401 (k), 403 (b) kana kuti 457 chirongwa (kana zvichitendera kuendeswa). Iwewo unogona kuva nechikwereti chekuendesa mari kune imwe tsika yeIRA. Vashandi vemasangano ekubhadhara mutero vanogona kungotumira mari kune imwe mitero-isingabvumirwi 457 chirongwa chinogamuchira kuendeswa, kusiya mari muurongwa, kana kutora kugoverwa kunobhadhara kana vakasiya vashandi vavo.

• Hurumende 457 (b) zvirongwa zvingagadziriswa kuti zvibvumire zvipo zveRoth zvakasarudzwa uye mu-plan plan rollovers kusarudza mazita eRoth. Izvi zvinopa mimwe mikana yekukura kwemutero kusina mari. Cherechedza: Kana uri kutarisa Roth 457 Plan, unogona kushandisa pre-tax vs. Roth calculator kuti usarudze nzira yakanakisisa yemamiriro ako emitero paunotora basa.
• Paunosarudza kushandiswa kwemari yekugoverana kusanganiswa, iva nechokwadi chekutora zvinangwa zvako zvekutsvaga, kuvhiringidzika kwengozi uye nguva yakatarisa kugovera.
• Tarisa kuti uone kana chirongwa chako chinopa mushandirwo. Kana imwe iripo inowanzobvumirwa kugovera zvishoma kana mari inodiwa kuti iwane yakawanda inowirirana nemupiro wezvipo.

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