Nhanganyaya kune 403 (b) nhoroondo uye kuti inoshanda sei
Matsiro e 403 (b) Urongwa
Zvigaro zve 403 (b) chirongwa chakafanana necha 401 (k) chirongwa. Dzinosanganisira:
- Kukwanisa kukwezva nekuchengetedza vashandi kuburikidza nekupa zviyano zvakaenzana. Semuenzaniso, kambani inogona kugovera kuenzanisa zvipo zvevashandi kune avo 403 (b) kuronga dhora-kune-dollar pakutanga 5 muzana yebhadharo.
- Zvese iyo iyo inoita zvipo zvakakodzana uye mushandi anopa mari kuburikidza nekunowanikwa kwekubhadhara mari nguva dzose anogona kunyora izvi 403 (b) michero kubva pamitero.
- Mari mune 403 (b) inogona kukura mitero-yakasarudzwa kwemakumi makumi emakore, zvichiunza pfuma yakawanda kune muridzi wekambani. Chero paanotanga kutora kubva kune avo 403 (b) nhoroondo ichabhadhara mitero pamari.
- Vashandi veAcount vanogona kutora zvikwereti kune avo 403 (b) kana vari munhare dzinoda mari. Izvi 403 (b) zvikwereti zvinofanira kubhadharwa zvakare, sekunge 401 (k) vasiri vayo, kana kuti kuchava nemigumisiro mikuru yemitero.
Apo Mari Inofamba
Vashandi vanoda kuumba 403 (b) zvirongwa zvinovaita kuti vagare mashomanana emhando dzemhando iyo vashandi vavo vanogona kuisa mumari dzavo. Izvi ndezvi:
- Mitero Yakasarudzwa Imitero kana Imitemo-Annuities Yakachengetedzwa. Aya ndiwo maitiro e annuity contract yakapiwa nemakambani emishuwarenzi kuburikidza ne 403 (b) kuiswa kwekutsvaga kuti ipe mari muhupenyu zvakare.
- Nhoroondo yekuchengetedza pane imwe nzvimbo yakakodzera yezvemari yakadai sedhizimisi rezvekwereti iro rine zvigadziro zvekambani yekubhadhara mabhizimisi akadai semari pamwe chete . Iyi shanduro ingangodaro inonyanya kunzwisiswa ye 403 (b) chirongwa chekurega basa.
- Bhuku reRoth IRA rinotarisa chero rudzi rwekutsvaga kwekutsvaga sarudzo yevatenzi ve 403 (b) nhoroondo; izvo zvinoreva kuti, vanogona kuisa mune zvekuchengetedza, zvakadai sekubatana mari, kana kukodzera annuities.
403 (b) Mupiro wemiganhu
Hurumende inopa zvakanaka zvakakwirira 403 (b) miganhu yezvipo kune avo vanoda kuronga kubhadhara. Izvo zvinowanikwa zvakanyanya 403 (b) mupiro we $ 55,000 pagore mugore regore ra2018 kana ukasangana nemamwe mamiriro ezvinhu. Izvi zvinotevera kukanganisa kwezvingagona 403 (b) zvipo zvinogona kuitwa:
- Kubhadhara mubhadharo wepamusoro (iyo yakawanda yebhadharo yepamusoro mushandi anokwanisa kupa chikamu kune avo 403 (b) kuronga nekuita mari yakabviswa muhomwe yavo) ndeye $ 18 500 pamutengo wegore ra2018.
- Vashandi vemakore makumi mashanu nevanopfuura vanogona kuwedzera $ 6,000 pagore muhuwandu hunokosha 403 (b) zvipo zvinonzi "catch-up" 403 (b) zvipo. Izvi zviri kuwedzera kune $ 18 500 vanogona kuisa kunze semushandi wenguva dzose.
- Vamwe vanhu vakakodzera kuwedzerwa 403 (b) mupiro unozivikanwa sa 403 (b) Lifetime Catch-up. Rudzi urwu rwemhando 403 (b) rubatsiro runowanika kune vashandi vakashanda sangano rakakosha kwemakore gumi nemashanu kana kupfuura. Kazhinji, iyi inokosha 403 (b) mipiro inonzi "kutonga kwemakore gumi" kubva kuRS Publication 571.
- Izvi makumi mana (b) mipiro, pamwe chete nemari ipi zvayo inobhadharwa nemuishandi, haigoni kudarika zana muzana yemari yekubhadhara kana $ 55,000 mugore regore regore ra2018. Saka, vanhu chete ndivo vachakwanisa kushandisa zvakakwana mashoma 403 (b) mupiro ndeavo vanoshandira kambani ine ruzivo rwakanyanya ruzhinji.
Hurumende inobvumira izvi makumi mana (b) mupiro wemiganhu yekuwedzera kwekuwedzera kwezvinhu kuburikidza nekubvisa mari yekugadzirisa mararamiro ehupenyu gore negore.
403 (b) Kubhadhara
Paunosvika pazera remakore 59.5, iwe unogona kutanga kutora nguva dzose 403 (b) kubvisa zvisina mhosva - iwe uchangobva kubhadhara mitero yemari pamari yaunotora kubva mubhuku.
Kana iwe uri muduku kudarika iro, zvakadaro, iwe uchave uchizviisa kune imwe yepamusoro 10 muzana mutero wepamusoro pamusoro pemutero wemutero kunze kwekuti unosangana nemamwe mashoma emamiriro ezvinhu chaiwo (kuti uwane mamwe mashoko pamusoro peizvi, verenga 8 Nzira dzekudzivisa 10 muzana muKutanga Kuregererwa Kwekutanga ).
403 b
Sezvo chikamu chekuita kwako mu 403 (b) chirongwa, IRS inoda kuti iwe uite kuti utange kutora kudiwa kwakaderera kunoshandiswa musi waApril 1 wegore uchitevera gore regorenda umo iwe unosvitsa makore makumi mashanu nemashanu.
Izvo chete kana iyo 403 (b) chirongwa chichibvumira, mushandi uyo achiri kushanda anogona kugadzirisa zvakaderera kugoverwa kusvikira gore ravanenge vabuda mutirano. Ichi chisarudzo hachiwaniki kune avo vashandi vanove vanopfuura 5 muzana yekambani.
Chinangwa che 403 (b) nhoroondo ndeyekuti iwe uchengetedze kubhadhara. Hurumende haifariri vashandi kuti vabvise mari yakawandisa pasina kubhadhara mitero pane zvavanowana. Ichi ndicho chimwe chezvikonzero izvo zvinowanzokurudzirwa kuva neRoth IRA kuwedzera kune 403 (b) nhoroondo. IRoth IRA haichazovi pasi pemitero kana ukawana Microsoft inotevera kana Berkshire Hathaway , peni imwe inogara mumhuri yako.
Iwe unofanira kutanga kutora inoda kudhindiswa kushandiswa 403 (b) inotora mari yakaenzana kuitira kuti muyero wose wezvinhu zvako mukati meurongwa hwekusarura ugozogoverwa kwauri pakuguma kwehupenyu hwako tarisiro.
An accountant anogona kukubatsira kubvisa matafura e-actuarial uye kuverenga kana iwe ungangodarika, uchishandisa nhamba yemakore ehupenyu yakasara semutungamiri wekuuya nemunhu chaiyo IRS inogona kutsigira. Mune zvimwe zviitiko, unogona kushandisa tarisiro yehupenyu hwomubatsiri wakagadzwa we 403 (b) hurongwa, zvakare, izvo zvinogona kuva kwenguva yakareba munyaya yevakaroora kana mumwe murume akaroorana ari muduku kudarika mumwe.
Kana iwe usingatori kuparidzirwa kwako kwakaderera 403 (b) kubvisa, IRS ichakupa mhosva ne 50 muzana yepamusoro yekutengesa mutero.