Zviri nyore IRA Kurega Kuverenga
Heino imwe mamiriro ezvinhu, emai imeyiri kwandiri munguva ichangopfuura:
"Ndiri kufunga nezvekutora nguva pfupi kubva kubhuku rangu rekare reIRA kubhadhara chikwereti chekwereti chekwereti yekugadzirisa motokari Ndinoda kutenga imba munguva yemberi iri pedyo uye kuva nechikwereti ichi chakanaka chiri kukanganisa chikwereti changu. kubhadhara chikwereti panguva uye kusati ndambotora, asi ini ndinoda kubvisa chikwereti.Ndiri kuedza kuziva kana mari inobhadharwa pamitero yekuparidzirwa kwekutanga isingapfuuri mari yekubhadhara zvishoma paCC kila mwedzi.Kubha kadhi rechikwereti ndeye 10 muzana.Ungandibatsira here kuona izvozvi uye undiudze kana pane zvimwe zvinhu zvandisina kufunga? "
Iwe uchada mamwe ruzivo paunoita kuti uone mari yekubhadhara yekusunungura mari kubva kurongwa hwekusarura:
- Nguva yako apo kugoverwa kwaitwa
- Iro urongwa hwekushandira huri nani
- Iwe unoronga zvakadini kubvisa
- Izvo mari ichashandiswa
- Ndeipi bhakiti yemutero iwe ungangodaro uripo panguva yekurega
Kutanga Kuparadzira Kutongwa
Kuparidzirwa kwekutanga kwekutengesa kunoshanda kana iwe uchibvisa mari kubva pane chirongwa chokubvisa mari usati wava nemakore 59 1/2. Chirango chiri 10 muzana, uye izvi zviri kuwedzera kune chero ipi zvayo yemitero iwe uchakwereta pakubvisa.
Chirango chinowedzera kusvika ku 25 muzana kana iwe uchibvisa mari kubva kune SIMPLE IRA uye iwe wakatanga kupinda muchikamu ichocho SIMPLE IRA mumakore maviri akapfuura. Kana iwe uri pedyo nezera remakore makumi matanhatu nemashanu, unogona kuda kumirira usati wabvisa mari kuitira kuti udzivise chirango ichi.
Pane zvikonzero zvakakosha kune chirango, zvisinei. Kana iwe ukabvisa mari kutenga imba kana kubhadhara mari yekurapa, inogona kusashanda. Izvo zvisiri izvo zvinokodzera zvinopesana nemhando yeurongwa hwekurega basa iwe unahwo.
Hapana chibharo chevatengi venguva yokutanga mumba pavanenge vachibva kuIRA, kana kune vashandi vasingashandi vachishandisa mari yekubhadhara inshuwarhu yehutano. Hapana kana chirango kana mari inoshandiswa kuchikoro chekoroji kana kuti mari yepamusoro yekurapa.
Kugoverwa kubva kune 401 (k) kana 403 (b) chirongwa chekurega basa chine zvishoma-iwe unogona kungovhara chirango kana iwe wava nemakore anopfuura makumi mashanu uye uri pajeri kana wakasiya basa rako, kubhadhara zvikwereti zvepamusoro, kana kuti chikamu yekurambana kwekurambana.
Mutero Mutero
Iwe unotevera unoda kuziva kuti mari yakawanda yaunofanira kubhadhara pakugovera mushure mekunge waona chirango. I IRS inoshandisa kuparadzaniswa semari inowanikwa mari . Izvi zvinoreva kuti vanobhadhara pamutengo wako wepamusoro. Kuita kubvisa kukuru kubva kurongwa hwekurega basa kunogona kukonzera kuti iwe uende kune imwe bhekitari yemutero, saka iwe unoda kubhadhara kune zvikamu zvekuwana zvikwereti zvakasiyana-siyana mumwaka uno.
IRS inovashandura nguva nenguva.
Wedzerai mari yaunoronga kuti udzore nguva yako yemukati yematareji kuti uwane kuongororwa nokukurumidza kwemhosva yako yemitero, uye wobva wawedzera mune chero chirango. Izvo zvose zvichava kuti mutero unorevei iwe uchakwereta pakubvisa. Iwe unofanirwa kuenzanisa chero hurumende yemitero zvakare.
Muenzaniso Wokuenzanisa
Muverengi ane mamiriro ekutanga haana kupa chero ruzivo rwemari yake kana mamiriro emitero, saka tichaita mamwe nhamba kwaari kuti tione kuti masvomhu acho anoshanda sei.
Ngatiti iye anofanirwa kuva mukuru wehutano hwemhuri , ane makore makumi matatu kana achizobvisa mari, uye mari yake inotora mari mushure mekutora mutengo wakakwana uye kuregererwa kwomunhu oga $ 50,000. Izvi zvingamuisa mu 25 muzana mutero bracket. Mari yake yaizowedzera kusvika ku $ 60 000 kana ikadzorera $ 10 000 kuti ibhadharire kugadzirisa motokari, asi iye acharamba ari mukati iyo 25 muzana mutero bracket.
Bato rake rezvemitero raizova $ 10 000 nguva 25 muzana yemutero pamwe nematengo 10 kubva muzana, kana $ 3 500. Ari pasi pekutongwa kwe10% nokuti kubhadhara kwekugadzira motokari hakusi pane urongwa hwezvimwe zvikwereti. Anogonawo kunge ari pachikwereti chemitero yehurumende yepamusoro uye zvichida chirango chehurumende.
Zvimwe Zvingasarudzwa
Iyi $ 3,500 mune imwezve mitero yemitero ndiyo inodhura yekupinza mune mari iyi yekurasikirwa. Ndezvipi dzimwe nzira dzingaitwa nemuverengi?
Anokwanisa kuramba achibhadhara chikwereti pane chikwereti chekadhi rechikwereti . Iri kadhi raverengi rinouya ne 10-peresenti yegore roga roga yehuwandu, izvo zvinoreva kuti achabvisa chikwereti chemadhora ane $ 1 000 pamusoro pegore rimwe pamari ye $ 10,000. Izvi zvinofungidzira kuti chikamu chinoramba chiripo kunyange pamusoro pemakore egore.
Kushandisa chikamu chechikwereti chikwereti chekugadzirisa uye nekuita kuti fungiro riwedzere kuti kadhi rechikwereti rinoda kubhadhara mari shoma ye 2.5 muzana yemari yemwedzi mumwe nomumwe, muverengi wedu achazobhadhara madhora 4,888.25 mune zvekudarika makore makumi maviri ekubhadhara kugadzirisa motokari.
Saka chii chakanaka chiripo: kuripa $ 3 500 ikozvino kana $ 4 888 kwemakore makumi maviri? Icho chisarudzo chemunhu oga, asi ndinofunga mhinduro yacho iripo pakubhadhara chikwereti chekadhi rechikwereti pane nguva. Kuita mutero mukuru wemitero kunofanira kudziviswa kana zvichibvira. Kadhi rechikwereti rinogona kubhadharwa nokukurumidza chero nguva mari yakawedzerwa iripo, kana kuti zvishoma nezvishoma apo mari iri kuwedzera.
Ndezvipi zvimwe zvingasarudzwa nemuverengi? Vakawanda 401 (k) uye 403 (b) zvirongwa zvinopa zvikwereti kuvashandi, kunyange zvazvo zvikwereti zvisingabvumirwi neIRAs nemutemo. Izvi zvikwereti zvinogona kumubatsira kuti asangane nematambudziko emari kwenguva pfupi paanenge achidzivirira mutero mukuru uye zvikwereti zvinosanganiswa nekutora. Anogonawo kutengesa kusvika kune chikwereti chechikwereti chepasi, edza kuwana mari yakawanda, kana kugadzira bhajeti kuti uite mari itsva.
Ini pachangu, ndaizosiya mari yekubvisa mari iyo iyo ichazodiwa zvikuru: mushure mezera remakore 59 1/2, kana mubhadhadzi akaremara, kana kuti paanotarisana nemamwe mamiriro ezvinhu ayo chirango chisina kushanda chinoshanda. Massachusetts Insurance Penalty .
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva, uye iwe unofanirwa kubvunzurudza unyanzvi wemitero kune mazano akawanda-kusvika. Mashoko aya ari munyaya ino haafananidzi sekupa mazano emitero uye haisi kutsiva mazano emitero.