Vashandi Vanokodzera Vanogona Kupa Zvizhinji kune 401k uye IRA Retirement Plans
Kubva muna 2016, vanhu vakakodzera vari pasi pemakore makumi mashanu vanogona kupa $ 18,000 kusvika ku 401k zvirongwa uye $ 5,500 kusvika kuIRA zvirongwa.
Kukodzera kugadziriswa kwezvipo zveIRA uye chikwereti chemutero wechikwata chakawedzerwawo. Pasi pane nyaya yakazara yekuti iwe unogona sei kuwedzera maakaunti ako ekutora mari .
401k Mupiro wemiganhu
Vashandi vanogona kupa mari 18,000 kusvika 401k, 403b uye Thrift Savings Plans.
(I 403b inofananidzwa neurongwa hwekubvisa mari ye 401k , asi kuvadzidzisi.Itariro yeTrift Savings ndeyevashandi vehurumende.)
Vanhu vane makore 50 kana kupfuura vanogona kugovera mamwe madhora 6 000, nokuda kwe $ 24,000.
(Verenga Zvinyorwa: 4 Kubhadhara Mapato Mazano evanhu 40 nevakuru)
IRA Contribution Limitengo
Mumwe wega Retirement Revenue Account muganhu wemiganhu ndeye $ 5,500 pagore pamusana pekusanganiswa kweChechi neRoth. Muganhu wekubata mupiro unoramba usingashanduki pane imwe $ 1 000 pagore kune vakabatanidzwa vakakodzera 50 uye kupfuura.
(Verenga Zvinyorwa: Ndinoda Zvakawanda Zvakadini Kuti Ndibatsire?)
Roth IRA Eligibility Limits
Kare, vanhu vasina kuroora uye vatungamiri vemhuri vangangobatsira kuRoth IRA kana vakawana $ 127,000. Mutero wekubhadhara mutero wakapedzisirwa kamwe chete apo mari yavo yaipfuura $ 112,000. Vakaroorana vanogona kupa mari kana mari yavo iri pasi pe $ 188,000. Mutero wavo wekubhadhara mutero unotsvaga kamwe chete kana mari yavo yaipfuura $ 178,000.
Iyo miganhu iko zvino yakamutswa. Vanyori uye vatungamiriri vemhuri vanogona kuwana kusvika ku $ 132,000, uye chikamu-kunze hachitanga kusvikira mari yavo inopfuura $ 117,000. Vakaroorana vanogona kuwana kusvika ku $ 194,000 uye vanochengetedza kukodzera kwavo, uye mitero inobatsira inopera kunze kana yawana mari inodarika $ 184,000.
(Verenga Zvinyorwa: 7 Mazano kana Uri Kuchengetedza Kubhadharisa Nekutanga Kutanga)
Mutambo weIra Mutengo Wokuderedza Mutero
Pakutanga, asina kuroorwa uye mukuru wevashandi vomumusha avo vaiva nebasa rekubvisa basa rekushandira pamwe uye vakaitawo zvipo zvepaIRA zvakagadziriswa mutero wavo kunze kwekuti vakagadziriswa mari yakawanda yakagadziriswa pakati pe $ 59,000 ne $ 69,000. Iko mararamiro ari kusvika zvino kusvika ku $ 61,000 kusvika ku $ 71,000.
Kune vakaroorana umo mudzimai wako ane chirongwa chekushanda kwepabasa ndiye munhu mumwe chete ari kuita mupiro, chikamu-kunze chiri $ 98,000 kusvika $ 118,000. Ichi chiwedzera pamusoro pegadziriro yekare-kunze kwe $ 95,000 kusvika ku $ 115,000.
Kune vakaroorana umo mudzimai asiri akafukidzwa neurongwa hwekushanda kwepabasa ari kuita mupiro , chikwata chekubuda-kunze chiri $ 184,000 kusvika $ 194,000. Ichi chiwedzera pamusoro pekutanga-kunze kwema $ 178,000 kusvika $ 188,000.
(Verenga Zvinyorwa: Unofanira Kuponesa Nguva Yakawanda Zvakadini Kuti Urege Kusununguka nemakore 35, 45, 55, 65?)
Mutengo weNhare yeMari
Vanhu vasina kuroorwa vanokwana $ 30,750 vanogona kutora chikwereti chemutero wechibhadharo. Iko kuwedzerwa pamusoro pemutengo wepakutanga we $ 30,500. Misoro yemhuri inokodzera kubhadhara mutero wechibhadharo wepamberi kana vakawana $ 46,125, kutambira pamusoro pemutengo wepakutanga we $ 45,750. Vakaroorana vanonyora pamwe chete vanogona kutora chikwereti chemutero wechibhadharo kana vachiwana mari yakabatanidzwa $ 61,500, kuwedzera pamusoro pemuganhu wakare we $ 61,000.
(Verenga Zvinyorwa: Nei Kusarura Kubhadhara Kunofanira Kuva Nhamba Yako Yokutanga)