Zvipo Zvokutora-Kubatsira Kubatsira Iwe Kuwedzera Kwako Kupera Kwekuchengetedza
Paunenge uchiri muduku, kurasikirwa kunoratidzika semafungiro pane chimwe chinhu chaunofanira kumbofunga nezvazvo. Sezvaunokura, basa rekurega basa rinogona kunzwa serinopera nguva. Uye neine nguva ipi neipi, iwe unotanga kuwana iyo manzwiro anogunun'una ekudzvinyirira. Iwe uri muchengeti here? Wakachengeta zvakakwana here? Mari yako inowanikwa zvakakwana here? Kunyangwe iwe wakachengetedza nguva dzose mubasa rako rose kana kuti iwe unotanga kutanga kufunga nezvekurega basa, iwe unogona kunge uchida mukana wokuti uwedzere mari yakawanda muurongwa hwako hwekubhadhara mutero gore negore.
Nenzira yakanaka, kana iwe uine makore makumi mashanu kana kupfuura, unogona.
IRS inopa vatsigiri vekuchera basa chimwe chinhu chinozivikanwa sechikwata chekubata. Asi kunyange vanhu avo vakaponesa nekushingaira uye havadi kuti vawane kubata vanogona kushandisa zvayo. Kana iwe uine makore makumi mashanu uye uine tsika yeRRA, Roth IRA, 401 (k) Roth 401 (k), SIMPLE IRA, 403 (b), kana kuti 457 chirongwa, unogona kukwanisa kuchengetedza zvishoma zvishoma gore negore .
Chikwata-Mupiro Chinopiwa
Nyaya dzakawanda dzemitero-dzinofarira kubhadhara makambani dzine IRS miganhu pamusoro pekuti iwe unogona kugovera sei gore roga roga. Pane mitsara pamigiro yekubatwa pamwe chete.
Kana iwe une tsika yeIRA kana Roth IRA , mari yaunogona kupa kana iwe uine makore makumi mashanu kana kupfuura inowedzera ne $ 1 000. Zvose zvinowanikwa muganhu wegore rose muna 2017 ndeye $ 6,500.
Kana iwe une 401 (k) chirongwa , 403 (b) chirongwa kana 457 (b) uronga iwe unogona kupa mari yakawanda se $ 18,000 kune chirongwa chako muna 2017.
Kana iwe uine makore makumi mashanu kana kupfuura uye wambani wako anobvumira zvipo zvekubata, muganhu wako unowedzera ne $ 6,000. Izvozvowo ndezveRoth 401 (k) kana Roth 403 (b). Zvose zvakasarudzwa pakupa mupiro uri $ 24,000 muna 2017. (Iwe unogona kukodzera kuwana mari yekuwedzerwa kubatwa mumakore matatu usati wapera basa kana une 457 (b) chirongwa.
Taura neurongwa wako mupurisa kuti uwane mamwe mashoko pamusoro peizvi.)
Kana iwe uine SIMPLE IRA, unogona kupa mari yakawanda se $ 12 500 muna 2017. Kana iwe uri wemakore makumi mashanu kana kupfuura uye mukuru wako anopa zvipo zvekubata, muganhu wako unowedzera ne $ 3,000.
Mipiro yekubata haibvumirwi mu SEP IRAs. Sangano reSeP IRA rinokwana $ 54,000 muna 2017. Kana iwe une chimwe chinhu chinonzi SARSEP, iyo chirongwa chakagadzwa pamberi pe 1997 umo bhizinesi rebhizimisi rinobatsira kune SEP yako IRA, unokwanisa kukwanisa kupa $ 6,000 mamwe muna 2017. Inotonga nekuda kwezvirongwa izvi zvakaoma, saka taura nemushandirwi wako kana mutero mutengesi kuti uwane mamwe mashoko. IRS inopa humwe huwandu hweSARSEP hunogona kuwanikwa kuburikidza nekubatanidza iyi.
Mupiro wemiganhu inowedzera nekuwedzerwa kwemazuva, kazhinji gore negore kana rimwe nerimwe rimwe gore. Vanowanzotarisana nekudhura kwema $ $ increments.
Vashandi havakwanisi kupa zvipo zvekubata muzvirongwa zvavo zvekurega, asi vazhinji vanozviita.
Iyi miganhu haifaniri kusanganisira vashandi-mimwe yemari. Kana wako waunoshandira achienzanisa chikamu chemipiro yako, zvipo zvako zvinogona kunge zvakanyanya. Tarisa neurongwa wako mutungamiri kuti uwane mamwe mashoko pamusoro pezvinoitwa muurongwa hwako uye kuti zvinoshanda sei kwauri.
Zvechokwadi, zvipo zvekutora zvinongotanga kuitika kana iwe uchibuda kunze kwekusarudzwa kwekusarudza kuri mu 401 yako (k) kana kusvika kune mupiro wemigwaro muIRAs yako. Chido chekuita icho chakanaka kutanga chinangwa. Ramangwana rako, retired you will will thank you.
Kuverenga Kubatsirwa Kwekuita Zvipo Zvokutsigira
Kana iwe uri kusarudza kana zvine musoro kushandisa zvinyorwa zvekubata-up, iwe unofanira kutanga nekushandira hutano hwekugara huripo. Iri rekushandisa rinoshandiswa pakurasira rinopa hupfukuro rwezvinyorwa kushandisa zvishandiso uye maverengi ekukubatsira kuti uone kana uri munzira kuti uwane zvinangwa zvako zvekuwana panguva yekurega. Mukuwedzera, iyi inobatsira kuyananisa kubva kuChealth Engines inogonawo kushandiswa kuenzana nekuwedzera mari yekuchengetedza mari yaunokwanisa kuona nekuwedzera michero yako.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.