Kubatsirwa kweMitero Yakarongwa Imitero

Dzidza kuti mapurogiramu akaregererwa emitero anobata sei

Kana zviri nani kana zvakanyanya, nhoroondo dzekuchengetedza mari uye mamwe masarudzo ekutsvaga haatauri mu "imwe-size-fits-yose" purogiramu. Ndokusaka pfuma "nzvimbo" yakakosha chete yekufungisisa seysetengedzo yeafa. Kana ukaronga mari yezvinangwa zvenguva yakareba sekusarura, mabhadharo akabhadhara mutero inoshandiswa nenzira inoshamisa yekubatsira uye kubhadhara mitero yekuchengetedza mari.

Hezvino zvimwe zvinhu zvinokosha kuti uzvinzwisise pamusoro pemitemo yakasiyana-siyana yakasarudzwa yekuchengetedza nekusarudzwa kwekutsvaga:

Zvinorevei kana chimwe chinhu chiri mutero chakasimudzwa?

Nhoroondo iyo mitero inoderedzwa kana pasina mitero yakakosha pamari inowanikwa munhoroondo. Iko kukwanisa kurega mitero pamakadzo ekubhadhara mari kune vamwe munzira mbiri dzakasiyana. Iko inonyanya kubatsirwa inouya nenzira yemutero kusununguka. Sezvo pane imwe nzira yekubhadhara mutero pamarudzo anouya emari yekutsvaga, mitero inobhadharwa chete panguva inouya, zvichibvumira kutyara kukura kunze kwezvinodiwa mitero. Kubatsirwa kwechipiri kwemitero inoderedzwa mutero ndeyekuti inowanzoitika panguva yekushanda kana zvikwereti nemitero zvinowanzokwirira kupfuura zvinowanikwa nemitero panguva yekurega. Kushandiswa kwemutero wekutsvaga kwekutsvaga mari inowanzoita sarudzo dzakachenjera kana uri mubhaketi yakakwirira yepamusoro iko zvino yakaenzaniswa nebhasiro yemutero iwe unotarisira kuti iwe unotora mari mune ramangwana apo iwe uchange uchitora kubvisa.

Ndezvipi mienzaniso yemitero yakasarudzwa yakaverengwa?

Mumwe mushandi anobhadhara chirongwa chekurega basa (chakadai se 401 (k) , 457 kana 403 (b) chirongwa) muenzaniso wekodzero yemari yekuchengetedza mari inobhadhara mutero inobvumira vashandi vanobatana kuti vabatsire chikamu chebhadharo yavo isati yatere uye vanoritora kune rimwe kana kuti mamwe majeti ekutsvaga mari.

IRA inogara ichizivikanwa (inozivikanwawo seyendabuko) IRA inobhadharawo mutero. An annuity uye kukosha kwekubhadhara mari ye inshuwarisi yehupenyu hwose inoshandisawo sekodhesi yemakero. A Roth IRA haisi kungotarisa mutero; iyo iyo nhoroondo isina mutero. Bhuku reEalth Savings Account (HSA) ibhuku rakachengetwa rakachengetwa rakabhadharwa rinopawo mutero wakasimudzirwa kuwedzera kwekuwana.

Kana yakashandiswa kubhadhara mari yakakodzera yekurapa, HSAs hainawo mutero.

Nhoroondo yakabhadhara mutero yakasiyana sei nekodhi isina kubhadhara?

Vanhu havagoni kuisa mutero usingabhadhari maakaunti. Zvisinei, vanogona kuisa muzvisungo izvo zvinobhadhara mutero usingabhadharwi. Kazhinji chido ichocho hachibvumirwi nehurumende yemitero. Zvisinei, kana chikwere ichi chinomiririra chikwereti cheimwe nyika kunze kwekugara komunhu, iyo inofara ichabhadhara pamutero wayo wekubhadhara mutero .

Inoshanda sei kana nhoroondo isiri yemari inoderedzwa?

Imari yose inogona kubhadhara mari, kuwedzera mukoshi, kana zvose zviri zviviri. Mari inobva kunzvimbo mbiri dzekutanga: kufarira uye zvikamu. Kana ruzivo rwekutsvaga rwuri munyaya yekubhadhara, iyo mari inowanikwa kune muridzi wemari inotengesa yegore uye inoguma mune mutoro wepamusoro wemitero. Chero kutengesa kwezvinhu zvakachengetwa mumutero unotengesa izvo zvinotengeswa kune zvakanyanya kudarika zvakasara zvichaitawo kuwedzera mari uye mutero wemari. Hapana mutero ungadai wakafanira kana zvikwereti zvakafanana zvaive zvakabatwa mumutero wakaderedzwa mutero - mukana unokosha wekuchengetedza zvikwereti mumatare akadai akatererwa.

Kusvikira mutero wakadzorerwa rini?

Rimwe zuva, iwe uchabhadhara mutero. Mutoro wemitero haubvumiri nekushanda kwekutsvaga, zvisinei.

Pane kudaro, iwe unokwereta mutero uchienderana nemari yaunopa iwe pachako, kazhinji kubhadhara zvinhu zvaungada kana zvaunoda. Sezvo zvakadaro, mumamiriro ezvinhu akanaka iyo mari inenge isingabhadharwi kusvikira kusunungurwa, apo iwe ungave uri mubhasikiti rezasi. Kunyange kana bhakiti yako yemitero isingatsiri pakurasikirwa, iwe unenge uchiri kubatsirwa kubva pamutero wekodzero yakabhadhara sezvo zviri nani chaizvo kubhadhara mitero mune ramangwana kupfuura gore rose kubva panguva ino uye apo iwe ungadai uchizobhadhara.

Ndichakwanisa kubhadhara mutero here?

Cherechedza kuti dzimwe nhoroondo dzakatererwa , dzakadai sa 401 (k) kana deductible IRA inopa kubhadhara mutero mugore raunopa mupiro. Haasi ose ekwereta akaregererwa kwekodhi anoita kuti kubhadhara kwakadaro, zvisinei. Chero mamiriro ose ezvinhu, mutero wakaderedzwa wekodha unopa kuregererwa kwemutero panguva yegore rimwe nerimwe rinotevera.

Yakarongwa naScott Spann