Kubva kuIRAs kuenda kuNhepfenyuro, Tsvaga Izvo Zvinotengesa
Pasi pane urongwa hwezvinhu zvinowanzopiwa zvekurega mari, zvakaputsika mumutero wekubhadhara mari, kubhadharwa mari yomubhadharo, uye mari isina kubhadhara mitero.
Shandisa urongwa uhwu chete kuti utungamirirwe. Iwe unofanira kushandisa IRS mirayiridzo, iyo inogona kuchinja, kana kuti mutengesi wemutero akakodzera uyo anoziva nemari yako, kuti akupe iwe chirevo chekupedzisira pane zvinhu zvichaita kuti mubhadhare mari inotora mari.
Mitero inokwidza mitero yekubvisa mari
Tarisira kuti mhando dzose dzemhando dzinotevera dzekubhadhara mari dzichabhadhara pamitero yako yemutero.
- Kubvisa kubva kumagadziro ekurega basa: Kana chirongwa chaibhadharwa nemari isati yabhadhara, kana iwe kana kuti iwe waunoshandira, zvichaita kuti uwane mari yekubhadhara mari yaunotora paunenge wabviswa. Tarisira zvakanyanya kutora kubva kuIRAs , 401 (k) s, 403 (b) s, SEPS, SIMPLES nemamwe marudzi akafanana ezvirongwa zvekubhadhara.
- Mari yepensheni: Zvizhinji zvepensheni zvinotengesa, zvisinei, mamwe marudzi emapenisheni emauto kana kuporesa penhesi inogona kunge isina chikamu kana zvachose isina mutero. Mupi wepenjeni yako achakutumira fomu 1099 pakutanga kwegore rimwe chete inokuratidza kuti yakawanda yepenjeni yako inotengesa.
- Kubhadharwa mari muzvikwereti zvisina kubhadharwa : Nharaunda, zvikamu uye zvikwereti zvinowanikwa mumakambani asina kubhadharwa achaudzwa kwauri pane fomu 1099 gore roga roga uye iwe uchabhadhara mutero pane zvakawanda zveizvi rudzi rwekutsvaga mari sezvo richiwana. Izvo zvaizova chero zvikwereti zvitsva zvinowira muzero yeZero mutengo wekutsvaga - iwe haubhadhara mutero pane chikamu icho chekuwana mari. Cherechedza, zvisinei, iyo inofarira, zvikamu uye zvikwereti zvitsva zvinoitika mukati mekodhi-yakaremberedzwa maakaunti , akadai seIRAs kana 401 (k) zvirongwa, hazvibhadharwi mugore ravanoitika. Pane kudaro, mari yose yakadaro inowanikwa mukati mezvikwata zvekodha inoderedzwa kusvikira iwe watora kubvisa. Penguva yekurega, mari yekuregera inotengesa.
- Kubvisa kubva kune rimwe annuity: Paunotora kubva kune imwe yakagadzirirwa kana yakasiyana-siyana annuity (iyo isiri yeIRA kana yekubvisa mari) mitemo ye IRS inotaura kuti pfuma ipi inofanira kubviswa pakutanga, uye iyo inowanikwa inowanikwa semari inowanikwa. Kana imwe chete yawana yakave yakabviswa, iwe unenge uri kutora zvigadziro zvako kana mutungamiriri. Kubvisa zvigaro hazviverengi sekubhadhara mari yekubhadhara mari.
Partially taxable kubhadhara mari
Izvo zvinotevera zvinyorwa zvekusunungurwa mari hazvikwanisi zvachose.
- Zvekuchengetedzwa Kwemagariro: Chero kupi zvayo kubva kuZero kusvika ku 85% yehupfumi hwehupfumi hwako hunogona kubhadharwa , asi hausati huri 100%. Kana imwe imwe nzvimbo yako yekuwana mari iri pasi pemiganhu yakagadzirirwa ne IRS ipapo zvikomborero zvako zvose zvisingabhadhara mutero, asi kana dzimwe nzvimbo yako yekuwana mari iri kupfuura chikamu, zvino chirevo chinotarisa kuti zviyero zvipi zvezvikomborero zvako zvichaiswa pasi kumitero. Nhau dzakanaka ndeye 15% yehupfumi hwehupfumi hwako huchagara husina mutero.
- Nondeductible IRA kuregererwa: Kana uine mitsva yemitambo yeRRA isati yatere uyewo mushure mitezo, nondeductible mitsva yeIRA, ipapo chikamu chimwe nechimwe chisina kubviswa IRA chekuregererwa chinogona kuonekwa sekubatsira uye chikamu chichava kudzoka kwako. Iko inowanikwa chikamu inotorwa semutero wekubhadhara mari.
- Kubhadhara kubva kune imwe nguva yakasununguka iyo yakatengwa nemutero wemutero : Paunotenga mari yakatarwa nemutero mushure mekunge chikamu chebhadharo imwe chete yaunowana inofarira, uye chikamu ndechokudzoka kwevakuru. Inofarira chikamu inotengesa. Kana iyo yakangoshandiswa gore iri yakatengwa nemutengo usati wabhadharira, zvakadai muIRA kana kubhadhara mari, iyo yose inowanikwa ichabhadhara.
- Inobva pakubhadhara mari inoshandiswa nemishuwarenzi yehupenyu hwehupenyu: Cash inotarisira inshuwarisi yehupenyu yehutengo ine chekuita mari - iyo inowanzotora zvikwereti zvose zvawakabhadhara. Paunenge uine mari mubumbiro kana mari yako yepamusoro inodarika nheyo yako, ipapo chikamu ichocho chinoonekwa sepfuma uye ichabhadhara. Chenjerera - kana iwe une chikwereti chakakosha pamutemo unowedzera kuoma. Mushure mokunge iwe wakatora chikwereti kubva kune inshuwarisi yehupenyu kana ukagumisa mutemo usati watsiva chikwereti, chikamu chemari yemari chikwereti chinogona kuwanikwa mari inotengesa iwe.
Mutero usina kubhadhara mutero
Uye yekupedzisira, asi kwete zvishoma, iyo yakanakisisa yemari yekuwana - mutero usingabhadhara mutero. Izvo zvinotevera mitsara yemari inowanzove isina mutero.
- Roth IRA inobvisa mari: Roth IRA vanobvisa mari isingabhadhara mutero kana mukasangana neRoth IRA kuregera zvido . Mukuwedzera, Roth IRA inobvisa mari iyo haina kuiswa mune imwe nzira inosarudza kuti yakawanda sei yeSocial Security inotengesa, uye haisati yakabatanidzwa murairo inotarisa kuti mari yePirumisi yeBreatare B ichapi iwe ucharipa.
- Mari inowanikwa kubva kumasitatimende: Zvizhinji zvemasuo emunharaunda mari hazvibvi pamutero wemutero, asi iwe unogona kutarisirwa nemitero yemari inowanikwa pamutero uyu wekusarirwa mari.
- Mari inobva kune inshuwarisi yehupenyu
- Kubhadhara kubva kune imwezve mvumo yekubhadhara mari: mwedzi miridziro yekubhadhara kana mari yemari yakagamuchirwa kubva kune reverse mortgage haigoni kutengesa. Izvi zvinopa reverse mortgage chimwe chinhu chakavanzika icho vazhinji vanhu vanozvitarisira.
- Mushure mekubhadhara mutero: Kana iwe ukachengetedza mari mushure mokutora mune 401 (k) kana imwe hurongwa hwekambani apo iwe paunotora chikamu icho hachikwanisi kutere.
- Chero kudzoka kwehutungamiri kana chekuita mari : Somuenzaniso, ngatiti iwe wakatenga annuity yakasiyana ne $ 10 000 yemutero wemutero. Iwe unotengesa muzera remakore makumi matanhatu kana zvakakosha $ 12,000. Mari inosvika $ 2 000 inotererwa semari inowanikwa mari. Iko $ 10 000 inotora mari yako, kana mutungamiriri wepakutanga, uye haibhadharwi mari yako.
- Kubva pakutengeswa kweimba yako : Vazhinji vanhu vanowana kugamuchira kuwana kubva kutengeswa kwekugara kwavo kwekugara musingabhadhara mutero . Kana huwandu huri pasi pe $ 250,000 kune imwe chete, kana kudarika madhora mazana mashanu emadhora emadhora, wakagara mumusha kwemakore maviri emakore apfuura uye wakasangana nezvimwe zvinoda IRS.
Sezvaunogona kuona kubva pane zvakasarudzwa pamusoro apa, mitero mubasa rekusununguka inogona kusiyanisa zvakanyanya kubva pane iyo mari inobva kune iyo. Zvisinei, nekuchengetedza kwakakwana nekugadzirisa, iwe unogona kuderedza huwandu hwemitero iwe unobhadhara mukurasira.