Iwe Unofanirwa Kuva Wakawana Mari
Kuti uite chero rupiro rwemupiro weIRA, unofanira kunge wakagamuchira mari yakaenzana kana yakakura kudarika chikamu chekupa IRA. Kuti muve nemubatsiro weIRA womudzimai, chero bedzi mumwe wenyu ane zvakakwana zvekuwana mari, iwe unogona kuita mukana wekuroorana weIRA mupiro wemumwe wako asina mari yaanowana.
Izvozvo zvinoreva kuti iwe unogona kugovera kuti uwane IRA mukaroorana kune mumwe asingashandi pamwe naye.
Mupiro wemiganhu yeIra inenge yakaroorana ndiyo yakaenzana neyeChechi neRoth IRAs . Kwegore ra2016, izvo zvinoreva chikamu chakakosha cheIRA che $ 5 500 kana uri pasi pezera remakore makumi mashanu, uye $ 6 500 kana iwe uri 50 kana kupfuura.
Sarudzai Kuti Inofanira Kuva Roth kana Chetsika
Kana iwe mari yako isiri yakakwirira kwazvo, iwe unogona kuita mitezo yeIRA yemukati kune yeChechi yeIra kana kuRoth IRA . Kwegore ra2016, kana mari yako yakashandurwa yakawanda (AGI) iri $ 184,000 kana kuti zvishoma iwe unogona kuita muroori weRoth IRA pamusana pemurume asingashandi.
Ndinokurudzira munhu wese anokodzera kupa Roth IRA kuti aite kudaro. Mipiro yeRoth inopinda mushure mitezo uye ichikura musero. Mukufamba kwenguva, kushandisa Roth kunogona kukupa mhinduro yakanaka pane iwe muzororo nekuti Roth IRA vanobvisa vanhu havaverengi mamwe maitiro ayo ari chikamu chekodhi yemutero we IRS.
Kana zviwanikwa zvako zvakanyanya uye iwe usingakodzeri kuita mipiro yeRoth, iwe uchazofanira kuona kana wako wepabonde weIRA mupiro uchaderedzwa, kana kusagadzikana.
Kana Kushandisa IRA Yemazuva Ano, Ona kana Unokwanisa Kuzvitsaurira
Kana pasina mumwe wenyu ane kambani yakatsigirwa basa rekurasikirwa, chirongwa chako cheMalawi IRA uye Spousal IRA chichabviswa zvachose.
Kana iwe ukafukidzwa nekambani inotsigirwa chirongwa chekurega basa (zvichida kuburikidza nemushandirwi wako kana urongwa hwako pachako kana iwe pachako uchishanda) pane usati wasarudza kuti kana mupiro wakabviswa unofanirwa kutarisa pamusoro pemari yekuwana mari. Kana mari yako yakakwirira kwazvo, mupiro weIRA hauna kubviswa.
Zvikamu zviviri zvekupera zvishoma zvinoshanda. Ikutanga inoshandisa kukwanisa kwako kukwevera yako purogiramu yako yeIRA kana iwe uriwo uri mubato rekurambidza basa rekambani. Nokuda kwegore ra2016, unogona kutora chikamu cheIRA kana iwe wakashandurwa mari yakawanda iri pasi pe $ 98,000.
Mutemo wechipiri wekuwana mari unoshanda kune unyanzvi hwako hwekutsvaga mukana wekuroorana weIRA. Kana iwe uri kuita mhirizhonga yeIRA munharaunda yemumwe wako asina kuvharwa nekambani yakatsigirwa chirongwa, asi iwe unofukidzwa neurongwa hwekambani, saka, muna 2016, iwe unogonazve kubvisa IRA musikana kana mari yako yakashandurwa yakawanda $ 184,000 kana pasi.
Kunyange kana iwe usingakodzeri kutora rubatsiro rwemupiro weIRA, iwe unogona kugadzira mupiro weIRA usina kukonzerwa , uyo muzviitiko zvakawanda unogona kupa mukova wekunze kupinda muRoth IRA. Nondeductible IRAs ichiri kukura mitero-inoderedzwa uye ine ruzivo rwekudzivirira chikwereti (kubhadhara chikwereti kune IRAs zvakasiyana nemutemo wenyika).
Unofunga Wechiduku Asina Kushanda Naye?
Iko kune muganhu wepakati wemiganhu yemipiro yemaitiro eIRA , inenge 70 1/2. Unogona kukwanisa kushandisa mukana weIRA wokuroorana nemumwe mudiki kuti atendere kune izvi. Kana uri kushanda uye kupfuura makore 70 1/2, asi uve nomudzimai wechidiki asiri kushanda uyo ari pasi pezera remakore makumi manomwe nemakumi maviri, achishandisa murume nemudzimai IRA anotonga, iwe unogona kuita mupiro weIRA kwavari.
Pasi Pasi
Kana yakashandiswa zvakakodzera, mupiro weIRA womudzimai unogona kukubvumira kuisa mari yakawanda mumakero anofadzwa nemitero.