Tsvaga kuti Ndezvipi Zvikwereti NdezveMitero Yegore Rino
Kana iwe uchikwanisa kuenda kumabhengi ehurumende , iwe unogona kudarika "Chikamu" kubva kune imwe nzvimbo uye uende zvakananga kumubhadharo wemupiro wekusunungurwa we 2016.
Kana iwe uchiri kunyanya kushamisika, verenga kuti udzidze zvakawanda pamusoro pekuti iwe unogona sei kuchengetedza kubhadhara.
Nhoroondo
Pane zvinyorwa zvitsvene zvakasiyana zvakakubatsira iwe kuchengetedza kubhadhara.
Chii chakawana 401k?
Inonyanya kuzivikanwa nekambani yekubvisa mari ndiyo compte 401k , inopiwa nevakawanda vashandi . Mari yaunoisa mu 401k yako inonzi "mupiro wako." Mupiro uyu unogadzirwa nemutengo wekare. Izvi zvinoreva kuti panzvimbo yekubhadhara mutero wemari pamugove wako ikozvino, iwe uchabhadhara mitero makore pasi mumugwagwa iwe paunodzinga mari iyoyo.
Kana iwe uri wekushanda, uye bhizinesi rako risina vashandi vemunharaunda kunze kwewakaroorana naye, unogona kuisa umwe 401k iwe pachako. Izvi dzimwe nguva zvinonzi seSolo 401k. Iwe une sarudzo yekubatsira kana usati watereta madhora kana mushure mekuteresa madhora kuSolo 401k yako.
Kana iwe uchida kugovera mushure mekutereta madhora - zvinoreva kuti iwe unobhadhara mitero gore rino, asi haufaniri kubhadhara mutero kana iwe uchibvisa mari yacho paunotora basa - account yako ichanzi Roth Solo 401k kana Roth Individual 401k.
Chii chinonzi IRA?
Kune mhando ina mikuru yeMunhu mumwechete Retirement Accounts, kana IRAs: SIMPLE IRA, SEP-IRA, yeChechi yeIra neRoth IRA .
Iko tsika yeIra inobhadharwa nemari yekare isati yatere, asi Roth IRA inobhadharwa nemari inotora mitero. ( Heino chirevo chinobatsira: chero nguva apo iwe unonzwa shoko rokuti "Roth," rinoratidza "mushure mokutora mari.")
Iwe unobvumirwa kuti uite chipinhi mu $ 5,500 pagore (mugore ra20166) kusvika kuusanganiswa wekodha yako yeRitura IRA uye Roth IRA. Kana uine makumi mashanu kana kupfuura, iwe unogona kuisa mune imwe $ 1 000 pamusoro peyoyo.
Mune mamwe mazwi, mupiro wegore negore kuRoth IRA yako pamwe neIra yako yeChechi haikwanisi kuva yakakura kudarika $ 5 500 kana uri 49 kana pasi, kana $ 6 500 kana uri makumi mashanu kana kupfuura.
Mimwe mienzaniso: Sally, ane makore makumi maviri nemashanu, anopa $ 5 500 kwaari Roth IRA. Haabvumirwi kupa chimwe chinhu kwaari kwaChechi yeIra mugore iroro.
John, ane makore 57, anopa $ 2 500 kuenda kuRoth IRA yake uye $ 4,000 kuenda kuChechi yeIra.
Benny, ane makore makumi mana nemashanu, anopa $ 5,499 kuRoth IRA yake uye $ 1 kusvika kuChechi yeIra.
Iwe unogona kusimbisa zvose zveRitura IRA neRoth IRA nhoroondo iwe pachako. Kusiyana neizvi, iwe chete waunoshandira anogona kuisa SEP-IRA kwauri. SEP-IRAs inowanzoshandiswa nevaya vanozvishanda kana mabhizimisi maduku.
Vashandi vako vanogona kupa chikamu kusvika 25 kubva muzana yemari yako kune SEP-IRA - naizvozvo kana iwe uchibhadharwa $ 80,000, wako waanoshandira anogona kupa $ 20,000 kune SEP-IRA yako.
IYIMBA IRA inoshandiswawo nemabhizimisi maduku ane vashandi zana kana vashoma. Mipiro yeZVINHU IRA inogadzirwa nehurumende isati yasvika.
2016 Contribution Limits
Pane dzimwe nguva IRS inosarudza kuwedzera miganhu yemupiro wemugove , kunyange zvazvo pakange pasina kuwedzera kukuru kubva mugore rapera.
Heino mitsara yemazuva ano kuitira kuti iwe ugone kuramba uri munzira nechinangwa chako:
401k - $ 18,000
Izvi zvinoshanda kumadziro eRoth nemasikirwo 401k. Iyo inoshandawo kune vakoma va 401k vepedyo, vanonzi 403b uye 457.
Kana uine makumi mashanu kana kupfuura, iwe unogona kuwedzera $ 6,000 kune iyo yakawanda - nokuda kwema $ 24,000 ose iwe unogona kukanganisa mune 401k.
SEP-IRA - $ 53,000
Ingove wakangwarira - iwe unongobvumirwa kupa chikamu chemazana makumi maviri kubva muzana emutengo wako wekushandisa, kusvika kusvika pamadhora akawanda ye $ 53,000.
Traditional and Roth IRA, SIMPLE IRA - $ 5,500
Iwe unogona kungopa $ 5,500 kubva kune imwe yeChechi neRoth IRA, kana $ 6,500 kana uri makumi mashanu kana kupfuura. Iwe unogona kupa $ 12,500 kune SIMPLE-IRA, kana kuti $ 15,500 kana uri makumi mashanu kana kupfuura.