IRAs: Kudzokorora
Chokutanga, kuongorora nokukurumidza kwekuti IRAs inoshanda sei. Kune avo 49 uye pasi, imwe nhoroondo yekubvisa mari inobvumira vashandi kupa mari yakawanda ye $ 5 500 kana kuti iyo inobhadhara mitero yegore, kubva muna 2014 mitemo.
Vaya vane makore 50 nepamusoro vanogona kupa $ 6 500 pagore.
Vashandi havafaniri kubhadhara mitero kune vanofarira uye mari yavanowana inowanikwa mukati meIRA. Pane kudaro, pavanotanga kuparadzanisa (kureva, kubvisa mari kubva kuIRA), vanobhadhara mitero pamiganhu iyi sekugara mari. Mutongi weIRA anogona kutanga kutora kugovera uku pasina kupiwa mhosva pazera remakore 59 ½, asi iye haafaniri kutora kugovera kusvika makore makumi manomwe ½. Zvose zvakazara IRA zvinotonga zvinowanikwa kubva kuInternal Revenue Service.
IRA senhengo yeZvifananidzo Zvose
Nekuda kweIRA yekutsvaga sarudzo, zvakakosha kufungidzira iyo account sechikamu cherongwa hwako hwekutsvaga kwekutsvaga , uye kwete sechinhu chakasiyana. Mune mamwe mazwi, IRA haifaniri kunge yakasiyana zvakakwana pachayo. Panzvimbo pezvo, inogona kushandiswa pakugadzirisa kuchengetedza zvikwereti izvo zvinowanzoita kuti pave nepamusoro-soro yemari inotengesa uye / kana kugoverwa kwekuwana mari .
Nenzira iyo, mutero unodzokorodzwa kusvikira nguva yakareba gare gare, panzvimbo yekuve yakakodzera muApril inotevera.
Kuita Mukana Wakawanda Wokukanganwa Kwemitero
Imwe mitero inokonzerwa nemitero yeIRAs ndicho chikonzero vatyairi vanowanzokurudzirwa kuisa mari yezvisungo muIRA yavo. Sezvo mari inobhadharwa nebhadha mari inotengesa, vatengesi vanoita mari iyi mumabhadhareti ehomwe vanogona kuona kushaya kwakanyanya kune yavo mushure mekubhadhara mutero.
Kutarisa kune imwe nzira, kubhadhara nehuwandu hwe 4% inopa mushure mushure mekutengesa kwema 3% kune mumwe mukoti mu 25% bracket. Somugumisiro, zvakanyanya-kubereka uye kubuda kwemashamba mabhizimusi - kana imwe imwe chikamu chemakakiti inobereka pamusoro pe-average yemari - inowanzofanirwa nekero yeIRA.
Stock Funds: IRA kana Aunti Yese?
Ko matokisi anoshandiswa sei muchiyero? Mushure mezvose, zvikwata zvinowanzoita kuti pave nemari yakareba-yakawanda inowanikwa-uye iyo inosanganiswa mutero mari - kupfuura zvisungo. Zvisinei, nguva yakareba inowanikwa mari (inowanikwa mukutsvaga kwezvinhu zvakachengetwa kwegore rinopfuura) ikozvino inotererwa pamitengo inofadza kupfuura mari yawanikwa (a category inosanganisira chikwereti kubva kuzvisungo uye mari yezvisungo). Pasi pekutonga kwa2014, vatengesi vari 25%, 28%, 33%, kana mabhakiti makumi matatu e35% vanobhadhara 15% pamakore akawanda ekuwana mari, asi avo vari 39.6% bhakari vanobhadhara 20%. Vaya vari pasi pe-25% mabhokta vane 0% mutengo wekutengesa pane nguva yakareba yemari inowanikwa.
Kazhinji kutaura, kutenga-uye-kubata mari yekutsvaga mari uye kushandiswa kwemitero inoshandiswa kwemitero kunowedzera kukodzera kwesekodhi (kwete-IRA), asi zvisungo zvakakodzerwa nemotokari dzakateresi dzakadai seIRAs.
Kutaura izvozvo, kutengesa mabhuku kana mari yemari inokanda mari yakawanda yenguva pfupi inosarudzwa ndeyezvisarudzo zvakanaka zveIRA panzvimbo yekodha yenguva dzose.
Ramba uchiyeuka kuti iyi inongova mutungamiri mukuru uye kuti munhu mumwe nomumwe ane mamiriro akasiyana.
Zvakakoshawo kuziva kuti nzvimbo yehupenyu ine basa. Sezvo mashizha anowanzoita zvakasununguka zvisungo panguva, munhu wechidiki angangodaro ane makore makumi mashanu ekuisa mari anogona kuona mari yakakwirira yepamusoro kubva mumatanda panzvimbo yezvisungo, izvo zvingaita kuti kuisa mishonga muIRA pakutanga. Nokufamba kwenguva, zvisinei, vatengesi vanowanzogadzirisa zvikwereti zvavo mukuda kwezvisungo sezvavanokura uye vanoda kuchengetedza mukuru . Munyaya iyi, zvingava zvine musoro kushandisa IRA nokuda kwechinangwa ichi.
Dzivisa Kubata Zvikwereti zveMasisita muIRA
Chimwe chezvinhu zvinonyanya kukoshesa kuve nechokwadi chekudzivirira kuchengetedzwa kwemasisita muIRA. Iko kunonyanya kukwezva munis ndeyekuti kufarira kune vanhu vaviri muni zvisungo uye komunisheni yehurumende yekusungirwa mari inosunungura mutero, izvo zvinoreva kuti ivo vanofarirawo kupa zvikwereti zvisingatori mutero kune zvisungo zvisingabhadharwi.
Sezvo chido uye mari inowanikwa muIRA yakatova nemutero-isingabhadharwi, hapana mubatsiro wekubata munis muIRA. Pane kudaro, shandisa iyo yekare (kwete-IRA) kubata munis, uye chengetai IRA kune mamwe masimari.
MAZANO muIRA
Mutengo Wezvokuvigira Mutengo-Zvidziviriro Zvidzivirirwa (MAZANO) anogona kuva sarudzo yakanaka yeARA account. Inonyanya kukosha yeTIPS inowedzera pamwe chete nekutengesa kwezvinhu, iyo inobvumira vashandi kuti vauye chechokwadi chaiyo (shure-inflation) kudzoka . Zvisinei, kubata ndeyokuti kukosha kwezvisungo zvinogadzirisa gore negore kubva panguva iyo bhisho inoshandiswa kusvikira ichikura - uye vatengesi vanofanira kubhadhara mutero pamusoro pekuvandudzwa kwepamusoro. Kubata mazano mukati meIRA, saka inonzwisisika, nokuti inobvumira vashandi kuti vawane zvizere kubatsirwa kwekugadzirisa kwezvinhu uye kudzivisa misoro inobatanidza nekubhadhara mutero uyu wegore negore.
A Final Thinking
Mitero yekuteresa inonyanya kukosha yekutsvaga mari yekutsvaga sezvo inogona kubatsira vatengesi kuti vawedzere mitero yavo mushure mekare. Asi ramba uchifunga mupfungwa, kuti izvo zvinokosha zvakanyanya zvepfungwa yakanaka yekufunga iwe ndezvezvinangwa zvako, kushushikana kwekutengesa , uye nguva yakatarisa. Sezvo kutaura kwekare kunoti, "Musarega mutero musara wagira imbwa yekutsvaga."
Uyewo, chengetedza mupfungwa kuti iyi inongova mutungamiri. Kana uine mibvunzo yakananga pamusoro pemamiriro ako ega, iva nechokwadi chekutaura kune mari-yega yevadzidzisi vemari.
Zvinonzwisisika : Mashoko ari pawebsite ino anopa zvinangwa zvekukurukurirana chete, uye haafaniri kutorwa semazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro. Iva nechokwadi chekutsvaga kubhadhara mari uye vateresi vadzidzisi usati waita mari.