Ko Keogh Chirongwa Chako Chako Chako?
A Keogh - akadudzwa kee-yo - chirongwa chekurega basa chinogadzirirwa vanhu vanozvishanda nevashandi vavo. Inogona kugadziriswa nemabhizimisi mashomanana akaumbwa seV LLC, sangano rega chete kana kubatana.
A Keogh yakafanana ne 401 (k) yemabhizimisi maduku, asi mitezo yegore negore yakakwirira kupfuura 401 (k) miganhu.
Saka Chii Chaizvo Chaicho Keogh Plan?
Keogh zvirongwa zvinowana zita ravo kubva kune murume akavasika, Eugene Keogh, uyo akagadzira Self-Employed Individuals Tax Retirement Act ya1962, akave Keogh Act. Zvirongwa zvakashandurwa neE Economic Growth uye Tax Relief Reconciliation Act (EGTRRA) ya2001. Kutaura zvazviri, vakashandura zvakanyanya zvokuti Internal Revenue Code havatauri seCeoghs. Ivo zvino vanozivikanwa seH HR 10 kana zvirongwa zvakakodzera.
Izvo zvivako zveKeogh zvichiripo, asi zvakarasikirwa nekuzivikanwa zvakaenzaniswa nezvirongwa zvakaita seSeP-IRAs kana munhu mumwechete kana solo 401 (k) s. A Keogh inogona kunge yakarurama kune nyanzvi yepamusoro yakabhadharwa, yakadai sechiremba wemazino anozvidzivirira kana kuti gweta, asi mamiriro ekuti zvirongwa izvi zvinonzwisisika zvakajeka uye hazvisi nyore.
Mhando mbiri dzeKeogh Plans
Kune marudzi maviri eKeoghs: mupiro wakatsanangurwa uye wakatsanangurwa kubatsirwa.
- Mupiro wakatsanangurwa : Unotsanangura mupiro uchaitwa gore negore. Iwe unogona kupa zvipo kuburikidza nekugovana-pfuma kana kutenga mari. Nekugoverana kwebatsiro, iwe unogona kuwedzera kusvika kune $ 54,000 muganhu muna 2017, uye iwe unogona kutora kusvika 25 muzana yemari yako. Nhamba yaunosarudza kupa chikamu chekugovana-purogiramu inogona kuchinja gore negore. Nehurongwa hwekutenga mari, iwe unotanga pakutanga pakutanga kwehuwandu hwehupfumi huchaiswa muKeogh, asi mupiro uyu unobvunzwa kana pane zvipo uye haugone kuchinjwa. Kana mupiro usina kuitwa, iwe uchasangana nechirango.
- Inotsanangurwa rubatsiro : Izvi zvinoshanda sechirongwa chetsika yepensheni. Iwe unoisa chinangwa chepenheni pachako uye uribhadhara. Iwe unogona kuwedzera kusvika ku $ 215 000 muna 2017. Izvi zvinouita chisarudzo chinonakidza chekubhadhara zvikuru vanhu vanozvishandira vanoda kugovera mamwe madhora akawanda vasati vasiya basa.
Mipiro kune rumwe rudzi rweurongwa inogadzirwa pamusoro pekubhadhara kwetsika kuitira kuti vabudzwe kubva pamutero wenyu wekubhadhara. Iwe uchabhadhara mitero imwe neimwe yekubhadhara panguva yakaderera. Iwe une sarudzo yekutora zvakaderedza kutsvaga pamutero wako wegore wekubhadhara mutero pane.
Kuisa mari muKeogh
Sezvo nechetsika 401 (k), mari yakabatanidzwa kuKegh inogona kubhadharwa mitero-inoderedzwa kusvika pahutano, kutanga pazera remakore 59 1/2 asi kwete mushure mezera remakore makumi manomwe. Kuregererwa kwakaitwa nguva iyoyo isati yasvika kune imwe yenyika uye zvichida state level, pamwe chete iwe uchabhadhara chikamu chegumi-muzana. Asi zvimwe zvisiri izvo zviripo kune mitemo iyi, zvichienderana nehutano hwako uye hwemari.
Mari iri muCheogh inogona kuiswa mumatanda, zvisungo, mutual funds nemamwe marudzi emari.
Chirongwa cheKeogh chinofanira kusimbiswa kusati kwapera gore raunoda kugamuchira kubvisa, asi iwe unogona kuita zvipo zveKegh zvegore raunotanga iwe paunotora mutero wako wekudzoka pakati peApril kana, kana iwe ukaisa shanduro, ne pakati paOctober.
Keogh zvirongwa zvinoda basa rakanaka remapepanhau egore negore. IRS Form 5500 inofanira kuiswa gore roga rega, uye inoda rubatsiro rwebhadhadzi wemutero kana unyanzvi wemari. Ichi ndicho chimwe chezvikonzero zvekutanga zvekuti Keoghs inogona kuva yakaoma kune vanoverengeka vanozvishandira. Taura nemumwe mutengesi wemari kana mutero usati watanga chirongwa cheKeogh.
Zvinonzwisisika: Zviri pamusoro pepaiti ino zvakapiwa ruzivo uye zvinokurukurwa chete, uye hazvifanirwe kushandiswa sezvinoitwa mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.