Chengetedza mutero wako wekuteresa nekugadzirisa mararamiro uye kushandisa mazano emunharaunda
Mitero paKubhadhara Matter
Kana iwe ukabvisa mari kubva kumabhengi emitero, inenge yakabhadharwa semari inowanikwa mumwaka wegore raunotora kubvisa.
Kana uchida mari yakawedzerwa yezororo, unotenga motokari itsva, kana kubatsira mumwe wemumhuri, mari yakawandisa inobviswa inogona kukupinza mubhaketi yakakwirira . Iwe unogona kuzviwana iwe uchibhadhara masendi makumi maviri nemashanu mumitero kana kupfuura pane imwe yega yaunodhara iwe.
Kubhadhara Kunobatsira Social Security Taxation
Pamusoro pekuregererwa kubva kumabhadharo emitero akaremberedzwa ari kubhadharwa semari inowanikwa mari, anogonawo kukanganisa kuti mari yako yeHindu Security yakabhadhara sei. Kubuda kwega kwega kunogona kuita zvakawanda zveHindu Rekuchengetedza mari yako zvichienderana nemitero .
Pane chirevo chinotarisa kuti zvakawanda zveSocial Security zvakabhadharwa sei. Chimwe chezvikamu zvechirevo ichi ndechimwe che "mamwe mari" yaunayo. Kuwedzera IRA kuregererwa kunowedzera mari yemamwe mari, uye zvinogona kukonzera zvakawanda zvekuchengetedzwa kwehupfumi hwehupfumi.
Vashomanana vanobvarura vanowana vanobhadhara masentimita makumi mana emitero pamadhora eIRA ekuregererwa nokuti avo veIRA vanobvisa zvinokonzera huzhinji hwehukama hwavo hwekuchengetedza hurumende.
Izvi hazvigoni kudziviswa nguva dzose asi kana ukaronga mberi, unogona kukonzera migumisiro yemitero kuburikidza nekuchengetedza mumutero usinganzwisisi.
Kuvaka mhando dzakasiyana dzematare kunogona kuderedza hupenyu hwako hwemutero
Panzvimbo pokuisa mari yako yose mumabhadhare akaremberedzwa, tanga zvose zviri shure mushure mekodha kuti uwane kubva, pamwe chete nekodhesikiti dzakadzokorora.
Shandisa neCPA kana kuti mari yekubvisa mari yekutora mari kuti uenzanise bhaketi yako yemutero mukurega basa. Kana zvichizove zvakafanana kana zvakakwirira kudarika ikozvino, funga mari yeRoth maere panzvimbo yemitero-deductible IRAs uye upe zvipo zveRoth kune yako 401 (k) kana 403 (b) chirongwa (kana chirongwa chichibvumira izvi).
Sezvo iwe uri pedyo nekurasikirwa, zvichava zvakakosha kuti uve nehutano hwekuteverwa kwemutero uye yekutengesa mari . Kunyange kana iwe uri kutaurira zvimwe zvakabviswa ikozvino, nekugadzirira mberi iwe uchave uchigadzirisa kushandiswa kwemari kunogona kubatsira kana iwe uchirasikirwa.
Shandisa mazano emunzvimbo yekuchengetedza zvimwe
Sezvaunovaka mitero-yakasarudzwa uye mushure mekubhadhara matarenda (zvandiri kureva se "nhepfenyuro dzisina kubhadhara" dzinogona kuva rekweretheni kana mutual account iyo isati yakasarudzwa seIRA), unogona kushandisa mazano emunzvimbo yekuita urongwa hwako kunyange huwandu hwemutero-ushamwari!
Nzvimbo yemugove ndiyo nzira yekusarudza kugadzirisa "kuwana" hutsva hwekutsvaga, mari yakawanda inowedzera mari mukati mekodhesi yakaremberedzwa, uye kuisa zvikwereti zvishoma zvekutsvaga izvo zvinoita kuti zvikwanise kubhadharwa uye nguva yakareba inowanikwa muakaunti dzako dzisina kubhadhara paunowana 1099 gore negore.
Nokuwana zvinhu zvinofungidzirwa, zviwanikwa zvinotengesa mari (iyo inowedzera chikwereti chemari) uye mari shoma yemari inoshandiswa (iyo inowanzova nehuwandu hutsva uye inoita zvishoma zvishoma zvishoma) inogona kuparadzanisa rudzi urwu rwekutsvaga mari mukati mekodhesi dzakatererwa apo iwe unobhadhara hapana mutero kusvikira iwe uchibvisa mari - zvisinei nokuti chii chinowanikwa mubasa rekuita mari.
Mitero yakabhadhara mitero yakafanana nemari yakabhadhara mitero, mari yakawanda yemari yemari, uye mari inokonzerwa nemari yemari inogona kuwanika mumabhuku ako asina kubhadharwa apo iwe unogona kushandisa zvakaderera mutero unoshandiswa unoshanda kune zvikwereti zvakagadziriswa uye nguva yakareba yemari inowanikwa.
Kana zvibvumirano zvakafanana izvi zviri mukati memakambani ako epamberi yekubhadhara zvikwereti zvakakosha uye zvigaro zvekugara kwenguva refu zvichazoguma zvichibhadhara pamutero wepamusoro wemutero wekubhadhara mari - sezvo zvose zvinobviswa pamabhadharo emitero ekurasikirwa kwemitero zvinonzi sevanhu vanowanzobhadhara mari uye kubviswa hakuzoiti kuchengeta chimiro chemukati chemari yakadai separadhesi kana kuwana mari.
Pasi Pasi
Mitero inokosha. Nokugadzirisa kuenzanisa kwemitero-yakasarudzwa uye mushure mekare-kutengesa maakareji, nekuwana mari yekuisa mari mukati memabhuku aya mune imwe nzira inobhadhara mutero, unogona kuchengetedza zviuru zvemazana mumitero pamusoro pehupenyu hwako hwekuita mari.