Kunzwisisa kuti Mitemo Yitsva Yemitero ingakubatsira sei Kurega
Zvingangodaro mutemo wekushandura mutemo uri kusvika pakatarisana. Izvo hazvina kumbove zvakakonzerwa nekodhi yemitero muU.S. kubva muna 1986. Asi kana Congress inotora mitemo mitsva yemitero iwe unogona kuongorora yekugadzirisa zvirongwa zvako zvemari zvishoma zvishoma kuti zvienderane neavo kuchinja.
Kana iwe wakanga uri kubhadhara kune mhirizhonga inopfuurira pamusoro pezvakanaka uye zvinopesana nemitemo iyi yemutero inoshandurwa inogona kuita sewe wakanga uchitarisa ping-pong match.
Ive yakange iri mamiriro ezvinhu akasimba sezvo zvinyorwa zvebhadharo yemutero zvakagadziriswa kakawanda uye hazvina kumbobvira zvine njere yekuita zvisarudzo zvezvemari zvakakosha zvichibva kungoita makuhwa nekufungidzira. Asi chinhu chimwe chechokwadi ndechekudiwa kwekutarisisa kuti iyo kodhi yemutero inotambira sei icharamba yakakonzera kuti iwe uye kupi kwaunochengetedza mari yako kana uri kuedza kuchengetedza zvakawanda zvekurega basa sezvaunokwanisa.
Ndeipi kupi kutora mutero iye zvino kumire? Imba yeVamiririri neSeneti zvose zviri kufamba kune imwe yenzira yekupedzisira yemutero wekubhadhara mitero. Nepo pasina chivimbo chokuti Congress ichakwanisa kutora musero webhadharo musati wapera gore, zvinokosha kunzwisisa kuti kutsva mutemo mutsva kunogona kuchinja sei kubhadhara mari yako.
Heano mimwe mibvunzo inokosha yekuchengetedza mupfungwa sezvaunoedza kufamba nenzira inoita kuti zvinyorwa izvi zvichengetedze mitero zvine chokuita nemarongwa ako emari.
Uchaita 401 (k) Kuronga Mitemo Kuchinja?
Pakutanga pagore pakanga kuri kuwedzera kunetseka kuti kuchinja kukuru kwakachengeterwa 401 (k) zvirongwa.
Vamwe vadzidzisi vemitemo vave vachitsvaga kuchinja mararamiro emaricho ekurega basa kubva pamitambo yekare isati yatererwa kumitero yeRoth mushure mekunge, kuitira kuti vawane mari yekutora munguva pfupi kupfuura mberi. Kutaura zvazviri, zvishomanana zvekutsvaga kwekutanga zvakaparidzirwa kukonzera 401 (k) mupiro wemiganhu kune zvishoma madhora mazana maviri nemazana mana pagore, zvichidzika kubva kumiganhu yegore iri ye $ 18,000 muhurumende isati yatora.
Kunyange zvazvo vashandi vakawanda vasingabatsiri kusvika kumiganhu, izvi zvingadai zvakaderedza zvakanyanya mutero wekurudziro kune vakawanda vanochengetedza. (Unogona kushandisa izvi zvisati zvabhadhara kuvhara kuyananisira kuenzanisa mari yako yazvino yekugadzirisa semugumisiro wegore rezvino kupa zvipo kune tsika yekodzero 401 (k); kukanganisa kunogona kuwanikwa kweiyo mari inogona kuve yakakosha zvichienderana nehuwandu hwekupa mupiro wako.)
Kana iwe ukatora chikamu muchirongwa chekurega basa kuburikidza nemushandirwi wako kune mamwe mashoko akanaka. Shanduro dzinoshandurwa munguva pfupi yapfuura dzemitero yemitero haisi kuchinja zvikuru kana kubvisa kuti iwe unogona sei kupa chikwereti kune 401 (k) chirongwa chekutanga kuteresa. Mitemo yezvikwereti yakagadzirirwa kuti "Rothify" 401 (k) zvirongwa zvingangoderedza vashandi kubva pakuchengetedza, uye nekutenda kwekurasikirwa kwevanhu vazhinji veAmerica vasati vanyarara pasi, vashandirwi vakawanda, vashandi vekuchera basa, uye vashandi vekugadzira zvemari vakataura zvavanetseka pamusoro pe akadaro.
Ndeapi 401 (k) Muganhu wemiganhu yegore ra2018?
Sezvazvakamira ikozvino, hapana kuchinjwa kushandurwa kune kuti iwe unogona kuisa zvakadini mu 401 (k). IRS inogadzirisa mitemo yegore rose yezvipo zvepamusoro zvaungaita kune yako 401 (k) chirongwa. Kuwedzera kwepaburiro kwakawedzera zvishoma muna 2017, naizvozvo muganhu wakanga uchangobva kuchinjwa.
IRS yakatobudisa zviyero zve 2018 (408) (k) zvirongwa uye mari yaunogona kupa ichawedzera zvishoma kusvika $ 18 500 pagore. Zvigadziro zvekugadzirira zvinenge zviripo kune vanhu vane makore makumi mashanu kana kupfuura vachibvumira mamwe ma $ 6,000 mupiro.
2018 401 (k) uye Mipiro-Sharing Plan Contribution Limits
Mitsva Yemitero Mitsva Inobatsira Sei IRA Mipiro?
Zvakafanana nekutenda kuti 401 (k) zvirongwa zvicharamba zvisingawanikwi nemitemo yeHarare uye yeSetate, Imwe Rega Retirement Accounts (IRAs) inotarisirwa kuchengetedzwa pasi pezvinyorwa zvemazuva ano zvebhadharo rekubhadhara mari. Izvi zvinoreva kuti mari ye $ 5,500 yemigore yegore negore ichaenderera mberi kwemakore emitero 2017 uye 2018 ($ 6 500 kwemakore makumi mashanu kana kupfuura). Izvi zvinorevawo kuti tsika dzeRood neRoth dzichave dzichiisa pasi pemimwe mitemo yemari inogadzirisa iyo inosarudza kana iwe unofanirwa kupa zvipo zvekubhadhara kana zvisizvo zvisiri zvekubhadhara pamwe nekubhadharwa kwemitero isina kubhadhara.
Ndezvipi Muzasi Mitero Mabhokheni Ita Roth Maakawanda Anowedzera Kuda?
Kana iwe uri mubhaketi yakakwirira yepamusoro pane iwe unotarisira kuva iwe paunotanga kutora kugoverwa kubva kurongwa hwako hwekugara, imwe tsika 401 (k) inowanzowedzera kufadza kupfuura Roth 401 (k) yekubatsira kwekuwedzera kusinga mutero. Asi nevateresi vakawanda vanotarisira kuderedzwa kwekodzero yavo yemitero inotanga muna 2018, zvinoita kuti Roth IRAs iwedzere kufadza. Zvakakoshawo kuziva kuti Roth imwe nzira ndeyokusarudzira uye kwete yose chirongwa chekubatira basa chavanotsigira ikozvino kupa Roth 401 (k). Kune avo vanopa vashandi mukana wekuisa pamatare mushure me-mitero yemari mune imwe nhoroondo inopa kuti kusarirwa mutero kukura kwekuwana mari kunogona kunge kune kukosha kukuru kune imwe nzira Roth .
Ndeipi Iyo Inoita Sense Kubatsira kune Roth 401 (k)?
Will Congress Pakupedzisira "Rothify" Mushandi-Anobhadhara Retirement Plans?
Pasi pemitemo yemitero yemazuva ano, 401 (k) inoramba iine motokari yakachengetedzwa yekuchengetedza mari, uye inenge 52% yeurongwa hwekurega basa inotsigira muUnited States kupa Roth mamwe. Mumwedzi ichangopfuura pane kuve nekunyanya kufungidzira kuti vatevedzeri vezvematongerwo enyika vaizoedza kusimudza mitsva yemitero yemazuva ano kuti vabvise kudhesa kwemitero pasi peurongwa hutsva hwemutero. Izwi rokuti "Rothification" rinoreva pfungwa yekuita zvakanyanya kana isiri iyo yose chirongwa chokubvisa basa nemari inotora mushure madhora. A Rothification proposal yakatanga kuratidzirwa iyo inosanganisira kusimbisa muganhu mutsva pamutero usati watere 401 (k) zvipo. Izvo hazviratidzi kuti itsva yemitero ichabhadhara zvirongwa zvekurega zvekusarura mune zvakanyanya kuongororwa kweSénate uye House zvigadziro. Izvi hazvirevi kuti nyaya yacho haichazovizve zvakare mune ramangwana. Chinhu chimwe ndechechokwadi uye icho ndicho Roth 401 (k) sarudzo inoramba ichingobata kutsvaga uye inoramba ichishandiswa mukuchengetedza mari yakawanda kana iwe uri kutsvaga kuwedzera kusina mutero kwemari yekuwana mari.
Ndeipi Kubatsira kweRoth 401 (k)?
Summary Outlook
Sangano reSenate rinosarudza mutero wekubhadhara mutero wakatanga kurongerwa musi waDecember 1, 2017. Kana Senate ichibvumira shanduro yavo yemutero weHarare nevakuru veSeneti vachazopiwa basa rokuyananisa zvirongwa zviviri kuburikidza nekomiti yekomiti. Vatungamiri veCongress vanoda kuda kutumira gwaro rekupedzisira kuMutungamiri Trump vasati rapera gore, asi basa racho rinogona kupera kusvika munaJanuary 2018.
Heano chigadziro chaunogona kushandisa kuti uenzanise kuti Dzimba neSenate zvishanduro zvebhadharo rekubhadhara mutero zvinogona kuchinja sei yako yose mutero mamiriro.
Tax Reform Calculator
Zvitora zvakakosha:
- Kuchengetedza basa rekugara muhurumende kucharamba riri chinhu chinokosha kune vazhinji veAmerica pasi peurongwa hwemutero mutsva.
- Kuchinja mumutero wemitero kunoda vanhu vazhinji nemhuri kuti vaongorore (kana kuti vagadzire) chirongwa chezvemari chinosanganisira kuchinja uku.
- Iro Pre-Tax vs. Roth chisarudzo inoramba ichinyanya kukosha (uye yakaoma) sezvakaitika kare.
Kuti udzidze zvakawanda nezvekuti zvese izvi zvezvirongwa zvekugadzirisa mutero zvakagadziriswa chengeta zvinotevera zvinotevera: Tax Reform | Kuenzanisa Calculator