Kuratidzira IRAs uye Kubhadhara Kwekuwanikwa Kwekunze Kunze Kwenyika
Iko Kunze Kwekuwana Mari Yakabhadhara uye Imba Yekune dzimwe nyika Isingawaniki
Vazhinji veAmerica vanogara nekushanda kune dzimwe nyika vanofanirwa kuti kune imwe nyika inowana mari yekununurwa , iyo inopa kuti yekutanga $ 102,100 yemari yekunze kune imwe nyika kana kuti mari yavanoshandira isingabhadharwi kubva ku US federal mubhadharo wemitero semwaka wegore ra20177.
Kuwanda kwekuregererwa kwakakonzerwa nehurumende yepamusoro-soro saka inogona kuwedzerwa nguva nenguva kuti ienderere mberi nemamiriro ehupfumi.
Vanhu vari kushanda kune imwe nyika vanogona kunge vakakodzera kugadziriswa kwekune dzimwe nyika.
Migumisiro yekusabhadhara mari yeIRAs
Chero mari ipi inobhadharwa kubva pamitero yemari inobhadharwa semugumisiro weimwe yemitambo miviri yemitero inoonekwa semari inenge isingagoni kubatanidzwa kune rimwe rega rekubvisa mari . Chero mari ipi zvayo isina kubviswa kubva pamutero inogona kugoverwa kune IRA, zvisinei.
Kugadzirisa Iko Kunze Kwekuwanikwa Kwekuwana Mari NeRoth IRAs
Roth IRAs ine zvishoma zvishoma. Mutero mumwe chete anokodzero yekubhadhara Roth IRA kusvika kumiganhu yakazara yemupiro kana kugadziridzwa kwayo mari yakawanda iri pasi pe $ 118,000 kubva muna 2017. Mari inogona kugoverwa kuRoth inoderedzwa zvishoma nezvishoma kune imwe chete iyo ine mari inowanikwa pakati pe $ 118,000 uye $ 133,000. Kwete Roth IRA mupiro inobvumirwa kana MAGI yako inopfuura $ 133,000.
Pamusoro pezvinangwa zveRoth IRA, mubhadhari akagadziriswa mari yakawanda inoshandurwa kuti awedzere kudarika kumwe kune imwe nyika inowanikwa mari yekusagadzikana uye / kana kutorwa kwekune dzimwe nyika iyo angave akazvitaura. Izvi zvinoumba huwandu hwakawandisa hwekuwana mari yekubhadhara Roth IRA kana uchigara uye uchishanda kune imwe nyika. Imwe nyanzvi yekureva mari yakazara $ 102,100 yakabuda kune imwe nyika inowanikwa mari inotora mari inofanira kuva nemari yekune dzimwe nyika inopfuura $ 102,100 uye yakashandurwa mari yakawanda yakagadziriswa isingasviki $ 133, 000 kuti ive yakakodzera kupa mari kune Roth IRA, uye izvi zvishoma zvishoma.
Kugadzirisa Iko Kunze Kwekuwanikwa Kwekuwana Mari NezveIrasi Zenyika
IRAs yemaitiro inobatanidzwa nekunze kwekunze kune dzimwe nzira dzakasiyana. Chokutanga, kufanana neRoth IRA, munhu haagoni kupa chikamu kunze kwemari kune imwe tsika yeIRA. Chechipiri, kuderedzwa kwechipo chemurairi weIRA chingave chakakosha kana kubviswa zvachose kana munhu akafukidzirwa neurongwa hwekushandira mari. Munyaya iyo muteresi asingakodzeri kubatanidzwa muchirongwa chekurasirana kweboka, imwe tsika yeRA inogona kuwanikwa chete kune dzimwe nyika mubhadharo kana mari yavanoshandisa mari yakawandisa kunze kwemari yekunze yekusagadzikana kwemari.
Funga Kushandisa Kune Imwe Mutero Tax Kunzvimbo
Vanhu veAmerica vanoshanda kunze kwenyika vangawana kuti kune imwe nyika chikwereti chekwereti chinogona kubhadhara migumisiro inobatsira pane yekunze kwekunowana mari mune imwe mamiriro ezvinhu. Kana iwe ukatora chikwereti chemutero kunze kwenyika, iwe uchava nemari inobhadhara mitero kana mari yaunoshandisa pabasa iyo ichakupa mukana wekubhadhara IRA muUnited States Inopawo kuderedza mutero muU.S. maererano nemitero yakabhadharwa kunyika kwaunoshanda. Iwe unobhadhara mitero pamari iyi kuitira kuti irege kubviswa uye iwe unogona kugamuchira zvizere zvizere nekuzvipa iyo kuIRA.