Kunzwisisa Nhasi uye Nhoroondo Dzairo IRA Zvipo
IRA yemaitiro uye Roth IRA Conting Limits
| TAX GORE | MAKORE 49 & ZVAKO | MAKORE 50 & ABOVE |
| 2002-2004 | $ 3,000 | $ 3,500 |
| 2005 | $ 4,000 | $ 4,500 |
| 2006-2007 | $ 4,000 | $ 5,000 |
| 2008 | $ 5,000 | $ 6,000 |
| 2009 | $ 5,000 | $ 6,000 |
| 2010 | $ 5,000 | $ 6,000 |
| 2011 | $ 5,000 | $ 6,000 |
| 2012 | $ 5,000 | $ 6,000 |
| 2013 | $ 5,500 | $ 6,500 |
| 2014 | $ 5,500 | $ 6,500 |
| 2015 | $ 5,500 | $ 6,500 |
| 2016 | $ 5,500 | $ 6,500 |
| 2017 | $ 5,500 | $ 6,500 |
| 2018 | $ 5,500 | $ 6,500 |
Sezvaunotsvaga miganhu iyi, iwe uchazove uchicherechedza kuti mitemo yeRitu IRA yemiganhu uye Roth IRA miganhu yemichero yakanyorerwa mumatare emutero weUnited States nenzira yavanogara yakangofanana. Mumwe mutori anogona kukonzera kuChechi yeIra kana kuti Roth IRA, kana kuparadzanisa mupiro pakati pezviviri, asi mutsetse wekubatsira wegore negore uchishanda. Semuenzaniso, muna 2017, dai waiva nemakore makumi mana nemashanu, iwe unogona kupa mari yose ye $ 5 500 kune imwe yako yeRair IRA kana Roth IRA yako isingapfuuri mitemo yekupa mupiro uye uchinge urohwa nezvikwereti zvakakura.
Yakatsanangurwa zvakasiyana, kana iwe ukaisa $ 2 000 muChechi yeIra, haungagoni kuisa zvinodarika $ 3 500 muRoth IRA gore iroro.
Kune rumwe rutivi, iwe unogona kubhadhara mari yakawanda iri muRoth IRA uye Traditional IRA uye uchiri kushandisa zvinoshandiswa pane imwe chirongwa chekubvisa mari yakashandiswa, yakadai se 401 (k) , 403 (b) , SIMPLE IRA , kana kunyange SEP -IRA .
(Kuti uwane mamwe mashoko pamusoro pemakambani aya ekurega basa, verenga Mufambiro Wangu Retirement Account Contribution Limits .)
IRA Inopa Mitsara Inogadziriswa sei?
Pasi pemutemo wezvino, tsika dzeIrasi neRoth IRA miganhu inowanzowedzera nehuwandu hwekutengesa mumadhora mazana mashanu. Ichi ndicho chikonzero chikamu chemupiro hachiwedzere mune mamwe makore; kutengesa kwezvikwereti kwakanga kusina kukwana zvakakwana kuti zvigadzire kuwedzera kwakatevera saka yakaramba yakasimba.
Ndapota cherechedza kuti zvose zveMitambo IRA uye Roth IRA miganhu yezvipo "inoshandisa-iyo-kana-kurasikirwa nayo". Iwe haugoni kuakurudzira mberi kune rimwe remangwana gore. Iyo nguva yemazuva ekupedzisira yekusangana muganhu wemugove ndeyekutanga kutora mutsara wekupedzisira, kazhinji musi waApril 15, kunze kwekuti inowira pakupera kwevhiki. Semuenzaniso, kana iwe uchida kubhadhara mari yako yekubvisa mari kusvika kune yakapiwa mvumo yakagamuchirwa yemwaka mutero 2017, iwe unenge uine kusvika musi waApril 17, 2017, kuti uwane mari yacho munyaya.
Mariro Yenyu Yemazuva uye / kana Roth IRAs
Kana iwe uchibhadhara tsika yako yeIrasi kana Roth IRA, mipiro haifaniri kuitwa mune rimwe rega yemari panguva imwe chete. Somuenzaniso, kana iwe waiva nemakore 55 muna 2016, uye waida kuva nemadhora mazana maviri nemakumi maviri kubva pakero yako yekutarisa kamwe chete vhiki yega yega gore rose kuti uwane mari yako yeRoth IRA, iwe unogona kuzviita.
Pakupera kwegore, iwe ungadai wakachengetedza madhora 6 500, ayo iwe unobvumirwa kupa.
Kune humwe huwandu hwekuwana mari kana iwe uchikwanise kubhadhara tsika yeIrasi uye kutora mutero wakabviswa kana kubhadhara Roth IRA zvachose. Kana iwe uchikodzera zvose, Roth IRA inenge iri nguva dzose chisarudzo chakanaka seRoth IRA ndiyo chinhu chapedyo kune imwe nzvimbo yekusachengeta mutero inowanikwa muUnited States nokuda kwemuti wekuda mari .
Pane mitemo yemitemo yakapoteredza tsika dzeIras uye Roth IRAs, kunyanya dzinosanganisira kurega mari yako usati wasvika makore 59.5. Kana iwe ukazviwana iwe uchida mari yako, kune nzira masere iwe unogona kuita kuti urege kubvisa 10% yekutanga kutora chirango chinoshanda kune chero mimwe mitero inogona kukweretwa .