Unyanzvi hwako hwekutora IRA kubhadhara huri pasi pezvikanganiso zviri pasi apa.
Zvakakosha kuongorora zvinokodzera izvo zvinotarisirwa ne IRS. Kana iwe uchikodzera, Muna 2018 unogona kutora IRA kubhadhara kwezvipo kune imwe tsika yeRA inowirirana kusvika:
- $ 5,500 kune avo makore 49 uye pasi.
- $ 6,500 kune avo vane makore makumi mashanu nekure.
Zvikamu zveIRA Kuchenesa
- IRA yako yakabhadhara inogona kuve yakakwana kana iwe uchipa sarudzo yekambani inotsigirwa basa rekurega basa.
- IRA yako yakabhadhara inogona kuve yakaderera zvichienderana nemari uye rudzi rwemari inoshandiswa iwe unoshuma.
Tsanangudzo pamusoro pemiganhu yeRRA yako yakabviswa yakanyorwa pasi apa. Iwe unogonawo kuverenga zvakawanda nekuenda kunewebsite ye IRS.
IRA Kurasikirwa Kunogadzikana Paunenge Uine Kambani Inobhadhara Retirement Plan
Munhu anoonekwa seanenge ari mubato rekambani rinotsigirwa basa rekubvisa mari kana sarari yavo yebhuku yakagamuchira chero zvipo zvachose mugore rakapiwa, kunyange kana iri yose mitsva yekambani. Kana iwe uine chikamu mune imwe yekambani inotsigirwa zvirongwa zvekurega basa, ipapo kukwanisa kwako kukwevera mupiro wako weIRA pamitero yako yemitero inotarisana nemiganhu yekuwana mari iri pasi apa:
- Kubva muna 2018, kuderedzwa kweIRA kunobudiswa kana iwe uri pakati pe $ 63,000 uye $ 73,000 yegadziriro yakawandisa yemari (AGI) yemafuta asina kukodzera. Kana yako AGI yakashandurwa inopfuura $ 73,000 haubvumirwi kubhadhara. (Zuva re 2017 phaseout raiva $ 62,000 - $ 72,000.)
- Kubva muna 2018, kuderedzwa kweIRA kunobudiswa pakati pe $ 101,000 uye $ 121,000 (kubva pakusvika 2017 pakatarwa $ 99,000 - $ 119,000) kana kuisa pamwe chete kana iwe uri mudzidzi akaberekwa. Kugadziriswa kweGI kudarika $ 121,000 hakubvumi kudhakwa.
Ko kana Mudiwa Wangu Ane Kambani Purogiramu Yekusarura uye Inobatanidzwa?
Kana iwe usingabatanidzi asi mumwe wako, saka, IRS inokubvumira zvakakwana kudha kusvika kumiganhu yemipiro kana mhuri yako mari iri pasi pezvikwata zvinotevera:
- Kubva muna 2018, kuderedzwa kunopedzerwa pakati pe $ 189,000 ne $ 199,000 yemari yakawanda yakagadziriswa yekuroorwa kwekuroorana pamwe chete kana mumwe mukadzi ari wekambani yekurasira purogiramu. Kugadziriswa kweAG kune $ 199,000 haibvumi kudhara. A
Kurasikirwa Kunowanikwa muIRA Kuchengetedzwa
Unofanirwa kunge wakawana mari yekuita mupiro weIRA. Mari yekubhadhara mari haina kuverenga. Kukodzwa mari inotora.
- Chero bedzi iwe kana mumwe wako wawakaroorwa musingabatanidzi muurongwa hwekuchengetedza basa rekambani, iwe nomudzimai wako munogona kutora kubhadhara kweIRA zvisinei nokuti munoita zvakawanda sei.
- Kana iwe uri mubato rekambani yakabhadhara mari yekurasikirwa, chirongwa chako cheIRA chichave chichiisa pasi pemiganhu yekuwana inoratidzwa muchikamu chiri pamusoro.
- Kana iwe uine mari yakakwana yekuwana mari, iwe unogonawo kupa mupiro weIRA, uye kutora kubhadhara kweIRA, kumunhu asingashandi. Izvi zvinonzi muvakidzani weIRA munharaunda.
Roth IRA Contributions
Mipiro yeRoth IRA haina kukodzera kubhadhara IRA, asi unogona kukwanisa kupa Roth IRA kana Roth 401 (k).
Non-Deductible IRA Mipiro
Kana iwe usingakodzeri kubhadhara kweIRA, unogona kugadzira mupiro. Iko kunonzi ichinhu chisina kubhadharwa IRA , uye mari mukati mekodha ichakura musero-yakatomiswa kusvikira kugoverwa kuitika.