DZIMWEI IRAs Ndezvidiki Zvishoma Kupfuura Zita Rinoreva
IRA isingashandisi iri chirongwa chekurega basa chinoshandiswa kunze kwemabhizimisi maduku ane vashandi zana kana vashomanana. CHINHU chisina kunyanya kushandiswa kwekuchengetedza mari inokurudzira vashandi . Mabhizimisi maduku anogona kufarira SIMPLE IRAs nokuti inodhura uye inorema kudarika kune 401 (k) hurongwa . Asi kune mimwe mitemo yakasiyana.
Uine SIMPLE IRA, uyo anoshandira akafananidza kukurudzira yakavakirwa muurongwa.
Iyo mushandi anofanira kuenzanisa zvipo nevashandi vanoita kurongwa hwavo, kusvika kusvika 3% yemari. Kana uyo anoshandira anogona kupa mishandi kune vashandi vepamba 2% yemari, zvichida kana mushandi anosarudza kupinda muurongwa. Izvi zvakasiyana ne401 (k) zvirongwa. Munhu anoshandisa purogiramu 401 (k) anogona kusarudza kana kuenzanisa zvipo zvevashandi. Vakawanda vanoita, asi munguva dzakaoma dzehupfumi, mapurogiramu akafanana anogona kuva pakati pezvokutanga zvakaderedzwa. Vashandi vanosarudza kupa SIMPLE IRAs inowanzotarisirwa kuenzanisa, idhora yemadhora, kubva pa1% kusvika ku3% yebhadharo yevashandi.
IRA isingashandisi inoshanda zvakanyanya sa 401 (k) chirongwa. Mipiro yeurongwa inogadzirwa kusati yateresi, uye mari iri muchirongwa ichi inowedzera mitero-inoderedzwa kusvikira mari inodzingwa pamubhedha. Kana mari yacho ichitorerwa mushure mezera remakore makumi maviri nemashanu, iwe uchabhadhara chikwereti che 10% chechikwereti. Pakati peSIMPLE IRA, mushandirwi wako angangove achipa zvikwereti zvakasiyana-siyana uye musungo mutual fund investment options.
IRA isingashandisi haikwanisi kuva Roth IRA.
Kana iwe uri bhizinesi rebhizimisi, chisarudzo chekupa SIMPLE IRA vs 401 (k) kazhinji hachisi zvikuru maererano nehukuru hwekambani yako kana nhamba yevashandi, sezvazviri pamusoro pekuti iwe uri muridzi waunoda sei kuisa muurongwa. Mipiro yemipiro yeSIMPLE IRA yakasiyana pane 401 (k) miganhu yemipiro.
SIMPLE IRA Contribution Limitengo
Muna 2017, vashandi vanogona kupa mari 12,500 kune imwe SIMPLE IRA. Muganhu wekupihwa- 2017 uri $ 3,000 unoita SIMPLE IRA chikamu chemupiro $ 15 500 kune vagoveri makore makumi mashanu kana kupfuura. Izvozvo zvinoreva kana iwe uri nemakore makumi mashanu kana kupfuura uye mubatsiri wako anobvumira zvipo zvekubata, iwe unogona kuwedzera $ 3,000 muSIMPLE IRA gore rino (taura nemushandi wako kuti asimbise). Kana iwe uine SIMPLE IRA uye iwe uchingopindira mune imwe nzira ipi zvayo yekushandira mari yekushandira purogiramu mukati megore (yakadai se 401 (k), somuenzaniso), muganhu wekuti iwe unogona sei kugovera kune zvirongwa zvose ndeye $ 18,000.
Neine 401 (k), vanhu vanogona kuchengetedza $ 18,000 muna 2017, kana kusvika kusvika $ 24,000 nechipo chekubata. Saka, iwe unogona kuona, pane musiyano mukuru mumutengo waunogona kutora mu 401 (k) chirongwa. Madzimai maduku-mabhizimisi avo vanobhadhara zvakanyanya, savanachiremba, vanachiremba vemazino kana varairi, vanofarira kufarira -bhizimisi 401 (k ) inoronga pamusoro peSIMPLE IRAs nekuda kwemuganhu wepamusoro wemipiro unopiwa ne 401 (k).
Ona nyaya iyi paIndamashandira Pamba Rekushandisa Purogiramu kuti uwane ruzivo rwakawanda pamusoro pezvakanaka uye zvakanakira zvirongwa zvakasiyana-siyana zvekurega basa.
Rinovhura ne SIMPLE IRAs
SIMPLE IRA rollovers haisi nyore nyore kana iwe wakabhadharwa muurongwa wepasi pemakore maviri.
Kana makore maviri apfuura kubvira watanga kupinda muurongwa, iwe unogona kuendesa mari yacho muRROllover IRA kana mushandi mutsva 401 (k). Kana iwe wakabatanidzwa kwemakore anopfuura maviri, unogona kungozviisa kune imwe SIMPLE IRA kana kusiya mari iri muurongwa hwekare hwemushandi.
ZVINOKUDZIDZA: Mashoko aya akabatanidzwa pano haasi mazano ezvemari. Icho chinotarisirwa kutungamirirwa chete. Nzvimbo dzose dzehupfumi (dzisiri dzehurumende) dzakabatanidzwa kubva kubva muchigamba ichi dzakabatanidzwa kuti zvive nechinangwa chekuziva uye hazvigoni kuvimbiswa. Nepo isu tose tinoedza kuita kuti chokwadi ichi chive chakarurama, chinogona kusiyana zvichienderana nemamiriro ako ega.