A SEP IRA Ndiyo Nzvimbo Yakakura Kune Vose uye Vaduku-Bhizimisi Vafaniri Kudzivirira
Pane mapepa akawandisa uye mabhii egore negore. Kunyanya, miganhu yepamupo yegore negore inopfuura yakakwirira kupfuura iwe yauchawana mune dzakawanda zvimwe zvirongwa zvekurega basa.
Sezvo kune imwe mitero-inobatsira mari yekusarura , zvipo kune SEP IRA inogona kuiswa mubhadharo-inoderedzwa kusvikira mari inodzingwa pahupfumi, kutanga pazera remakore 59 1/2 uye mushure mezera remakore 70 1/2. Kana mari yacho ichibviswa asati ava nemakore 59 1/2, inotarirwa kune 10% yemhosva yemari pamwe chete nemitero yemari. Mipiro kune SEP inowanzoita 100% yemutero-yakabviswa, saka iwe uri kunyanya kupa mvumo yekubhadhara mari yaunotora mari sezvaunoda mune 401 (k). Kune vhizimisi vemabhizimisi, michero ine 100% mutero-deductible sebhizimusi mari.
Sezvimwe nemamwe marudzi eIRAs, vanhu vanozvishanda vanowanzovepo kusvika musi waApril 15 (mutero wezuva) kuti vape zvipo kune SEP yegore rinotevera. Zvinoreva kuti iwe unogona kupa mitsva kune SEP ye 2016 kusvika musi waApril 15, 2017. Kana iwe ukaisa shanduro, iwe unogona kuva neChitto 15 kubhadhara SEP IRA yegore rakapfuura.
Muzvokwadi, kana iwe uri wekushanda, iwe une nguva yakatarwa yekusika SEP IRA. Saka iwe unogona kusarudza kuzarura SEP sechikamu chekupedzisira kwekodzero yako yekuteresa .
SEP IRA Contribution Limitengo
Chimwe chezvinhu zvinofadza zvikuru zve SEP IRA ndiyo miganhu yakakwirira yemipiro. Kana iwe ukatora muSEP IRA, iwe unogona kupa zvikamu zvinosvika makumi maviri nemakumi mashanu emari yako yegore rega rega kana 20% yemari yako yakashandurwa gore roga roga rokushandira, chero bedzi zvipo zvisingadari zvinopfuura $ 53,000 muna 2016.
I-SEP IRA muganhu inotarisirwa kuwedzera kusvika $ 54,000 muna 2017. Enzanisa izvi kusvika kune 401 (k) , iyo ine mupiro wemugove we $ 18,000 muna 2016 ne 2017 (kana $ 24,000 kana iwe uchikwanisa kuwana mupiro wekubata ), uye iwe unogona kuona zvakanakira kune avo vari kutsvaga kuchengetedza zvakawanda mitero-inoderedzwa madhora .
Kunyange kana iwe uchizoita mune imwe nzvimbo urongwa hwekushandira basa, sezvakaitwa 401 (k), iwe unogona kuramba uchipa mari yekuzvipira kune SEP. Saka chirongwa chikuru chevanhu vanowana mari kubva kune rimwe bhizinesi riri pamativi, kusanganisira hupfumi kana basa rechibvumirano.
Kana iwe uri kuzvishanda, kufungidzira kuti iwe unogona kugovera gore negore kunogona kunge kwakanyanyisa. Iwe unogona kuverenga mari yakagadziriswa pabasa rako pachako uchishandisa mari yako yakawandisa, kubvisa mari yebhizimisi uye nekubvisa chikamu chemutero wekuzvitsvaga. Asi mupiro wako kune SEP IRA inofanira kunge yakabatanidzwa mune zvebhizimisi mari. Iko kune izvo zvinonzi mupiro wokugadzirisa zviyero pasi rose paIndaneti, asi hapana inenge ichiita seiri kushanda pane iyi yehuwandu. Tsvaga neAcantant kana muteresi wezvemitero kana une mibvunzo.
Iwe haufaniri kupa mari yakafanana gore rega rega kune SEP IRA. Uye kana iwe uchida kugovera 0% mugore rakapiwa, ndizvo zvakare.
SEP IRA Mipiro yeVashandi
Mipiro kune SEP IRA inoshandiswa zvishoma zvishoma kana vashandi vakawedzera vapinda mumufananidzo. Ndizvo nokuti vashandi vanofanira kupa zvikamu zvakafanana kune vashandi vose. Saka kana ndiri mhizha yakabhadharwa zvakadai sechiremba wemazino, uye ini ndinoda kugovera 25% yemari yangu kune SEP, ndinofanirawo kugovera 25 muzana yega yega yevashandi vangu kune SEP zvakare. Vose vashandi vane makore 21 kana kupfuura, vakashanda kumushandi kwemakore matatu emakore apfuura, uye vanowana mari inopfuura $ 550 vakakodzera kuwana mupiro uyu. (Kunyange zvazvo vashandi vari kushanda pasi pevimbiso vanogona kusarudzwa.Tarisai IRS nezvimwe pane izvi).
Kune dzimwe zvirongwa zvekurasikirwa kwemabhizimisi maduku uye vanhu vanozvishanda, saSIMPLE IRAs , mumwe nomumwe kana solo 401 (k) s , Keoghs, kana kunyange 401 (k) s yemabhizimisi maduku.
Zvinonzwisisika kuzvienzanisa zvose usati wasarudza kuti ndeipi yakakunakira iwe.
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.