Kuti chirongwa cheKeough chinogona kukuchengetedza sei mitero iwe uchichengetedza kubhadhara
Zvirongwa zvekushandira zvevanhu vanozvishanda zvakambotumidzwa se " Keogh zvirongwa " mushure mekunge mutemo unotanga kubvumira mabhizimusi asina kubhadharwa kuti atsigire zvirongwa zvekurega basa. Izwi rinoshandiswa kudarika nguva zhinji kubva apo mutemo hauchazoparadzanisa pakati pevashandi pamwe nevamwe vatsigiri vezano. Mutemo usati wagadziriswa muna 2001, mazano eCeogh aiva sarudzo yakakurumbira kune vanhu vanozvishanda vane mari yakawanda.
Zvikwereti zvakakodzera zvekurega basa zvakagadzirwa nevanhu vanozvishanda vanozivikanwawo seKeogh Plans. Kuenzaniswa neyakanaka-inozivikanwa 401 (k) chirongwa , chirongwa chakakosha cheKeogh chinobatsira icho chingave chakakosha pamiganhu yemipiro. Zvisinei, hukuru hwakaoma uye mari inobatanidza neKeogh Plan inofanirawo kufungwa.
Ndiani Angagadzira Purogiramu yeKeogh?
Chero ani zvake anozvishanda, kusanganisira wekutengeserana chete, kushamwaridzana, uye masangano asina kubvumirwa anogona kuvaka chirongwa cheKeogh. Munhu ane mari kubva kubasa rake pachake anogona kuvaka nekubhadhara Keogh Plan, kunyange kana iye ariwo mushandi pane imwe nzvimbo yakafukidzwa neurongwa hwekugara basa.
Keogh Plan Contribution Limits
Mhando mbiri dzakasiyana dzeCheogh zvirongwa zvingagadzirwa:
- Defined-Contribution Keogh
- Defined-Benefit Keogh
Mipiro yemipiro yemugove wakatsanangurwa Keogh zvirongwa zvakafanana neaya SEP-IRAs ; imwe neimwe ine muganhu wegore negore we 25% wehutori hwekuzvitsvaga mari yekuwana, kusvika kusvika pa $ 54,000 kusvika muna 2017 ($ 53,000 ye 2016).
Rimwe rinorondedzerwa ruzivo Keogh chirongwa chinogona kugadzirirwa kupa huwandu hwekubvisa mari yegore rose kusvika pa $ 215 000 kusvika 2017 kana 100% yemaripo, chero ipi zvayo iri pasi ($ 210,000 muna 2016). Nhamba chaiyo yaunogona kupa kune tsanangudzo inobatsira Keogh chirongwa inobva pane zvakakosha zvariarial kuverenga.
Migumisiro yezviyero izvi inokonzerwa nemari yako, yaunoda kubhadhara mari inobhadharwa, yakatarwa nguva yakareba kusvikira iwe uchitora basa, uye inotarisirwa kuti udzoke kubva kumariko.
Chinokosha Keogh Plan Mazuva
Iwe unofanirwa kusimbisa chirongwa cheKeogh nekuguma kwegore rekubhadhara raunoda kuti chirongwa chacho chiite. Keogh urongwa hwekupa zvipo , zvisinei, zvingave zvakanonoka kusvikira mutero wekudzoka wekupedzisira wegore iroro. Kana iwe ukakanda kufambisa mutero wekubhadhara mutero, mupiro wako weKeogh urongwa hunogonawo kuwedzerwa kusvikira itsva, yakawedzerwa zuva rayo rekubhadhara mutero.
Kune vakawanda vateresi, ndima iri pamusoro inoreva kuti ivo vanofanira kutanga chirongwa cheKeogh musi waDecember 31 uye kupa mipiro musi waApril 15 wegore rinotevera. Uyezve, vateresi vakawanda vanogona kuwedzera mitero yavo kumitambo kusvika pakupera kwegore raOctober 15 uye nokudaro vanogamuchirawo kuwedzera nguva yekubhadhara mazano avo eKeogh.
Keogh Plan Contribution Zvido
Kune mhando mbiri dzepatsananguro yakapiwa Keogh zvirongwa:
- mari inotenga
- kubatsira-kugovana
Mari inotenga mari inoda rubatsiro rwegore negore kana pane zvipo. Chirongwa chokugovana-purogiramu hachidi kuti mupiro wegore negore. Nekugoverana-purogiramu yekugovana, sarudzo yekupa iyo ndiyo chete bhizimisi webhizimisi.
A defined defined profit Keogh chirongwa chinoda kuti mupiro unogadziriswa unoitwa gore negore.
Kubatsirwa kweKeogh Plan
Kukwanisa kuita chirongwa chikuru chekurega basa nemipiro uye panguva imwe chete kugamuchira hurukuro yakabhadhara mitero inokosha Keogh chirongwa chinobatsira. Mipiro yeKeogh inopa kubhadhara mutero kwegore rekutere kune iyo mipiro inosarudzwa.
Vakwegura, vanobhadharwa zvikuru, uye vane ruzivo rwevanhu vanozvishanda vanogona kunyanya kufarira kune zvakatsanangurwa kubatsira Keogh. Sezvo kune makore mashomanana kusvikira apedza basa, zvipo zvingangove zvakakosha zvegore negore zvaizotarisirwa kubhadhara chinangwa chekubhadhara mari. Nechepfungwa, kusvika ku100% yemari yakawanikwa mari inogona kudiwa kuti ibhadzwe muurongwa, mukana mukuru wekuchengetedza mari yekurasikirwa kwemari kune avo vanogona kuwana uye vanoda kufambisa.
Kukanganisika kweKeogh Plans
Keogh Plans inofanira kuisa Fomu 5500 kana Fomu 5500-EZ gore negore. Kune munhu mumwe chete anotsanangurwa mugove weKogh chirongwa, ichi hachisi mutoro mukuru. Zvisinei, zvose zvinorondedzerwa kubatsirwa Keoghs zvinoda mari yezviripo. Vanhu vanozvishanda vasina vashandirwo vachitsvaga chirongwa chinorondedzerwa chirongwa chepamuganhu chinogona kunge chakanaka-chinoshandiswa nekushandisa SEP-IRA , sezvo chirongwa ichocho chinopa zvikomborero zveKeogh kunze kwezvakafanana zvakashata uye mari.
Yakarongwa naScott Spann
Zvinonzwisisika: Zvinyorwa zviri panzvimbo ino zvakapiwa ruzivo uye zvinokurukurwa chete, uye hazvifanirwe kusanzwisiswa semutero kana mazano ekutsvaga mari. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.