Vakaroorana vachada kutevera mitemo yavo yehurumende kuti vaone kana chimwe chezvinhu zvekuwana chakaparadzana kana mari yemunharaunda. Mitemo yemitero yehurumende inowanzoremekedza mitemo yehurumende mukuona kana chimwe chinhu chemari inowanikwa mumunharaunda uye kana nzvimbo inharaunda kana nzvimbo yakasiyana, pamwe chete nezvimwe zvinoshamisa.
Gwaro Rinoyera Rinoziva Kuwanikwa Kwemunharaunda
Nharaunda yeimba inzvimbo inowanikwa pawakaroora uye ichigara mune imwe nzvimbo yehupfumi yehurumende, uye pfuma haigoni kuonekwa sechinhu chakasiyana. Nharaunda yomunharaunda ndiyo mari inobhadharwa nemasangano edzimba.
Mutemo Mukuru wekutsanangurira mari yakasiyana
Dzimba dzakaparadzana dzimba dzaive dzakaparadzana vasati varoorana, dzimba inotengwa nemari yakasiyana kana kuchinjana kune imwe nzvimbo yepfuma, uye pfuma iyo vaviri vakaroorana vakabvumirana kutendeuka kubva munharaunda yepamba kuti vaparadzane pfuma kuburikidza nemvumo yepamutemo yakaroorana inobvumirana nemutemo (chirongwa chinonzi transmutation).
Kusiyana mari inowanikwa mari inobva kune imwe nzvimbo yakasiyana.
Pane mitemo yakakosha yemari yekuwana mari uye yekusunungurwa mari.
Mibairo, Mishahara, uye Kuzvipira Kuwana Mari Inowanikwa Munharaunda Inowanikwa
Kubhadharwa nenzira yehuripo, miripo, makomisheni, uye basa roga roga rinotarisirwa semari inowanikwa mumhuri yemhuri.
Kana vakaroorana vari kutora zvakasiyana-siyana musangano wekubhadhara mutero, mumwe nemumwe wavo achazivisa hafu yehafu yemari yekuwana mari uye imwe hafu yekubvisa mari iyo inowanikwa.
Investment Income Inogona Kuva Mutero Inowanikwa kana Inogona Kugoverwa Imari
Kufarira, zvikamu, kukwereta, mari inowanikwa nemari uye mamwe mari kubva mune zvekutsvaga mari inogona kunge iri mhara kana mari yakasiyana. Mhinduro yacho inobva kune unhu hweimba inobhadhara mari. Kana iyo dzimba yakasiyana nedzimba, ipapo mari inogadzirwa neyoyo yega pfuma yakasiyana nemari. Kana iyo nzvimbo inharaunda yemunharaunda, iyo mari inenge iri mharaunda yomunharaunda. Imba inogona kuve yakakanganiswa yakasiyana uye yehupfumi yepamba, iyo iyo iyo mari inopiwa ichagoverwa semunharaunda yeimba inenge yakaenzana neyo pfuma iri pasi peimba yehupfumi.
Community Property Rules for Retirement and Pension Revenue
Kubhadhara kubva kumabhadharo evanhu pavanenge vachirasikirwa (IRAs) uye zvirongwa zveIRA-based seSeP-IRAs uye SIMPLE-IRAs inogara iri yakasiyana uye inopiwa kune wawakaroorana neIRA.
Saizvozvowo, Social Security mazano anogara ari oga akasiyana uye anopiwa kumudzimai anogamuchira zvipo.
Kubhadhara kubva ku 401 (k) zvirongwa, 403 (b) zvirongwa, uye mamwe marudzi emarheni anogona kunge akabatanidzwa nemapoka evanhu.
Kugoverwa kubva purogiramu yekusarura kunze kweIRA "kuchaonekwa sevanhu vemunharaunda kana mari yakatsaurwa zvichienderana nenguva yakatarwa yekubatanidzwa mupenjeni pavakaroorana ... uye inotarisirwa munzvimbo yehupfumi yehupfumi" ( Publication 555 , peji 5). Iwe uchakudziridza chiyero chinoenderana nenguva inobatanidzwa muchirongwa chekurega basa kana penheji.
Kana ukagamuchira chikwereti chemari kubva purogiramu yepenjeni, unogona kukodzera kushandisa shanho yemakore gumi yekuverengera mitero inorega kukanganisa zvivako zvemagariro evanhu. Tarisa kuPublication 575, Pension uye Annuity Revenue , uye Mirayiridzo yeFomu 4972 .
Alimony uye Community Property
Kana mumwe murume ari kubhadhara kune imwechete kana kuparadzana kwekugadzirisa kune mumwe mudzimai vasati varoorana vapedzisirwa, saka alimony inobhadharwa kusvika pamabhadharo ekubhadhara kupfuura 50% emhuri inotarisirwa kuwana mari.
Chikonzero cheizvi ndechokuti mumwe nemudzimai anonzi anotove ane hafu yenharaunda yemunharaunda, saka kuwedzerwa kwezviyero izvi hazvibhadhari. Zvikwereti zvakapfurikidza nehuwandu hwemari inopiwa mari inowanikwa kune mumwe wawakagamuchira uye inodzingwa kumudzimai aripo. (Ona mapeji 5 ne6 ePamusoro 555.)
Mari inobva kune imwe nzvimbo inowanikwa pane dzimwe nguva Inharaunda yeVanhu
MuIdaho, Louisiana, Wisconsin, uye Texas, mari inogadzirwa nemugove wakatarwa ichiri kufungidzirwa semari inowanikwa. Saka mune izvi, nyika chete inenge ichatsanangurwa semari yakasiyana-siyana inoparadzirwa kubva kune IRA, Social Security mazano, uye alimony.
Kusiyana neizvi, muArizona, Nevada, New Mexico, neWashington, mari inobva kune imwe nzvimbo yakasiyana inofungidzirwa semari yakasiyana.