Mushure mekuteerera Mitero
Mushure me-tafura madhora akanaka chaizvo nyore kunzwisisa. Kana iwe ukawana mari yacho, ubhadhara mutero waro pairi, wozoisa kune imwe mhando yekambani, kana kutenga iyo yekutsvaga nayo, iwe wakashandisa mushure mekutora madhora.
Aya marudzi eakaunti anogona kuva mari dzekuchengetedza, mabhengi ekubhadharisa, kana mutual fund account.
Mari yepakutanga yaunoshandisa inodanwa inotora mari yako, kana mukuru. Paunenge uine mari mushure mekutarenda (kwete-retirement retareji) wekutsvaga, iwe unongobhadhara mutero kune chero upi zvake wekutsvaga kwepamusoro nepamusoro pemari yako yepakutanga yekutsvaga.
Kana ukashandisa mushure mekuteresa mari kutenga zvigadziridzo zvinowanzoburitsa kudzokera kwekutsvaga kwemari nenzira yezvikwereti zvakagadziriswa uye nguva yakareba yemari yaunowana iwe unogona kubhadhara mitero shoma pamusoro pemakore akawanda-aya marudzi ekubhadhara mari inowanikwa pasi pekutengesa mutero - uye mune dzimwe nguva, pfuma yakareba kwenguva refu haibhadharwi mari.
Paunenge uine mari mune imwe mushure mitekero, iwe uchagamuchira fomu 1099 yemitero kubva kune imwe nzvimbo yezvemari gore negore. Iyi fomu 1099 ichakuratidza chikwereti chemari, chikamu chemari inowanikwa uye / kana mari inowanikwa kubva kune iyo gore. Izvi zvinowanikwa muzvikamu zvekutsvaga mari inofanira kuziviswa pamutero wako wekubhadhara gore negore.
Mushure mekare-matarenda anokwanisa kubhadharwa mune chero chinhu chipi nechipi: CD, mabhengi ekuchengetedza, mutengo wemari, zvikwata, zvisungo, imba, annuities, nezvimwe zvakawanda.
Pre-Tax Accounts
Mutero wekare unotora mari inoreva kuti iwe kana mushandirwi wako akaisa mune imwe mhando yekubhadhara makambani akadai seIRAs , 401 (k) zvirongwa, kana zvimwe zvirongwa zvekurega basa sepensheni, nhaurirano dzekugoverana, 457 zvirongwa kana 403 (b) zvirongwa.
Iwe hausati wabhadhara pamari iyi.
Semuenzaniso, kana mari yako yaunotengesa yaizova $ 40,000 uye iwe ukaisa $ 2 000 mumutori wekare usati waita seR deductible IRA, ipapo mari yako inonzi yakabhadharwa yegore iroro yaizova $ 38,000.
Mitemo ye IRS inokubvumira iwe uye / kana mushandirwi wako kuti aise chikamu chechimwe chete (icho chakasiyana nemhando yekambani) mune izvi zvisati zvabhadhara motokari gore negore.
Mari iri mukati mekambani yakadai isati yateresi inokura mitero-yakatambiswa, saka hauna kuwana fomu yemutero 1099 gore roga roga, uye haufaniri kubhadhara mutero kune chikwereti chawanikwa, chikamu chemari uye / kana kuti mari inowanikwa kubva panguva iyo yakawanikwa kusvikira panguva iyoyo sezvaunotora kubvisa. Mutero wekutambira mutero wakanaka nokuti unowana kuwana mari kune mari yaungambofanira kuripa kuna Amai Sam.
Izvo zvakashata zvekutangisa kwekodha mari ndeyekuti haukwanisi kutora zvishoma nezvebhasiro yepamusoro yemitero iyo inoshandiswa kune zvikodzero zvinokodzera uye kwenguva refu yemari inowanikwa. Kubhadhara mari mukati mekubhadharwa kwekodha mari yese inotererwa nenzira imwechete - semari inowanikwa pamba painobviswa.
Panguva yakadai sokutora kubhadhara kweIRA kubva kubhadhara yekare, kubvisa zvachose kuchava nemari inotengeswa mumwaka wegore rino iwe unotora (kuwedzerwa uye rollovers kana waita zvakanaka hazvirevi sekuregera).
Zvinotarisirwa kuti kambani yekubhadhara mari yemutero inofanira kuva nechengeti . Ndiyo basa rekuchengetedza kuti ripoti kune IRS chiyero chezvipo uye zvibvumirano zvinowanikwa kana kutorwa kubva kumabhengi aya ekurega. Muchengeti, kana kuti sangano rezvemari, iyo inobata pesa yako yekare isati yatere ichakutumira iwe ne IRS fomu yemutero 1099-R mugore ripi neripi raunotora kubvisa. Kana iwe ukatora kubviswa kubva kune-pre-tax account pakutanga (kazhinji usati wasvika 59 1/2) uye kubhadhara kwekutanga kutongerwa mutero kunogona kushandawo kuwedzerwa kumitero inowanikwa nguva dzose pamutengo wakabviswa.
Munyaya yekare musati wabuda mutero, unogona kutenga marudzi akawanda emari yakadai seCD, annuities (yakagadzikana, yakasiyana kana iri pfupi), mutual funds, stocks, and bonds. Mushandi akabatwa mari yekutengesa mitero yakadai se 401 (k) zvirongwa zvingagadzirisa zviwanikwa zvako zviripo kune imwe yakasarudzwa mazita emari pamwe chete.
Mitero-Inofanirwa Nhoroondo
Iwe unogona zvakare kuva nenhoroondo dzinobatanidza kusati kwabhadhara uye mushure mekuteresa madhora. Iko kunonzi ma-tax-deferred accounts.
Mitero inoderedzwa maakaunti inobhadharwa nemari inotora mushure mamiriyoni emadhora, asi kana waibhadharwa mari, sezvinongoita nekutengesa mitero, haufaniri kubhadhara mutero pamutengo wemari, chikamu chemari, uye / kana kuti mari yakawanda yakawanikwa kusvikira panguva yakadaro sezvaunotora kubvisa. Iyi inowanikwa mari inoderedzwa kusvikira kusunungurwa-asi, sezvinongoita--t-tax-account, kukanganisa ndeyekuti yose inowanikwa mari inotengesa yakafanana nenzira yekuregererwa - semari inowanikwa mari.
Rudzi rwakawanda zvikuru rwekuteresa-kutengesa motokari dzemotokari dzakagadziriswa uye dzinoshandiswa annuities, uye kwete-deductible IRA nhoroondo.