Simba rekukwanisa kubhadhara mitero richakuchengetedza mari mukutora basa.
Nzira Ipi Inosungirirwa Mabheji Anoshanda
Heano chimbichimbi chekutanga kutora mitero. Iyi ndiyo muenzaniso kune vakaroorana vanonyora pamwe chete (2017 mutengo):
- Dhora roga roga rekubhadhara mari inotengeswa pakati pe 0 ne $ 18,650 inotererwa ne10%.
- Mari imwe neimwe iri pakati pe $ 18,651 uye $ 75,900 inotengesa pa 15%.
- Dhora rose remari inotengesa mari inopfuura $ 75,901 uye kusvika ku $ 153,100 inotererwa pa25%.
Zvadaro, Itai Pamwe Chete Kutsiva Imitero
Kana ukangonzwisisa kuti mabhakisi emitero anobasa sei, iwe unofanira kutora musarudzo musati wasvika gore rapera. Izvi zvinongororwa kuti chii chaunofunga kuti mari yako inotengesa ichava. Izvi zvinotarisirwa kuti iwe uone kuti zvipi zvingashanda zvakakunakira iwe.
Kana iwe mari yako inotengesa ichava $ 75k kana yakakwirira, verenga kuti uwane nzira dzokudhonza mari kubva kubheji yakakwirira. Kana mari yako inotengesa ichava $ 75k kana yakaderera, verenga pasi apa kuti udzidze kuti sei iwe uchida kuva nechokwadi chekuzadza mabheji ezere pasi.
Mutero Unobhadhara Kuda $ 75k Vakaroorwa / $ 38k Mumwe
Mafirimu ekubhadharwa kwepamusoro inoda kuwana nzira dzokudhonza mari kubva kumatareji emitero yakakwirira.
Muenzaniso: Kushandisa mabheji emitero pamusoro pechinyorwa ichi, kune vakaroorana, kana maiva ne $ 82,500 yemari inotengesa, mari inopfuura 6 600 yemari iyo inowanikwa ichabhadhara pa 25%. Iwe uchabhadhara madhora 1,650 emutero pa $ 6 600 emari yaunowana.
Shandisa mazano anotevera kuchinja mari kune bhandi rakaderera:
- Rongedzazve mari yako yekuderedza mari inoshandiswa. Iwe unoda hupfumi hunoita kuti mari inowanikwa mubereko inobatanidzwa mukati mekambani dzekambani, uye mazvikwereti anowedzera huwandu hwekuwana mari uye zvikwereti zvakakodzera kuti zviitwe kunze kwekambani dzekubvisa mari.
- Tora mari shomanana kubva pamakabheti ekurega basa mumakore umo mamwe mitsva yemari inowedzera.
- Ziva kukanganisa kwemari kuregererwa mari .
- Kune vanowana mari yakakwirira, ita zvipo zvekudzvora kumapurogiramu ekurega basa. Izvi zvinopa pfungwa huru kana iwe ukawira mu 33% kana 35% bhakiti yematero. Sei? Zvingangodaro paunotora basa uye uchitora kutora zvishoma, bhakoni yako yemitero ichave yakaderera, mu15% kusvika ku28%. Kana iwe uchikwanisa kutenga mari nhasi kune 35%, uye kubhadhara mutero gare gare pa15%, izvo zvinoita kuti uwane mari huru.
- Kuwedzerwa mararamiro ekurega basa nemipiro semiganhu inokwira. Nhengo yeOctober yega IRS inoparidzira mitsva yemipiro yemitengo ye 401 (k) s, IRAs, nezvimwe zvirongwa zvekurega basa. Gore rega rega, iva nechokwadi chekugadzirisa yako mari yekubhadhara kuti uise mari yakawanda muzvirongwa zvako. Muna 2016 ne 2017, somuenzaniso, 401 (k) muganhu wemiganhu yevaya vane makore makumi mashanu nepamakore ndeye $ 24,000 kusanganisira $ 6,000 kubata.
Imari Inotengesa Imari Kupfuura $ 75k Vakaroorana / $ 38k Vasina
Vateresi vari pasi pekubhadhara vanofanira kuita zvisarudzo zvakasiyana kuti vawedzere mari yekubhadhara mutero. Zvisarudzo zvishoma:
- Zvichida haufaniri kupa chikamu kune imwe mari yakabhadhara mari. Pane kudaro, tsigire Roth IRA, kana kuti upe zvipo zveRoth kune yako 401 (k) chirongwa.
- Shandisai mari inotora mari shoma kutora IRA kuregera uye kubhadhara zvishoma kune mutero. Ona tsanangudzo pamusoro peiyo urongwa hwekuronga mutero pasi apa.
- Funga kuchinja nhoroondo yako yeIRA, kana chikamu chayo, kuRoth IRA.
1. Shandisa makore asingakwanisi kuwana mari yekubhadhara mari dzisina mari yeRoth
Mumakore apo mari yako inotengesa ichave yakaderera, Roth IRA kana Roth 401 (k) zvipo zvinopa pfungwa.
Muenzaniso: Mugoveri weimba yemugove Ndinoziva nguva dzose yakagadzirirwa mutero wekubhadhara mutero kune 401 (k) chirongwa. Pakupera kwegore rakaderera, takatarisa mamiriro ake emitero ndokuziva kuti aizenge ari mubhasikiti shoma gore iroro.
Hazvina musoro kuti iye aite rubatsiro rwakabhadharwa kuitira kuchengetedza 10% mumitero ikozvino, kungoita kuti pave nemakore gumi kubva ikozvino, uye kubhadhara mutero paakafungidzirwa 15% muzana ipapo. Saka akazvipira kune Roth IRA panzvimbo yekuita zvipo zvekutsvaga kumurume wake 401 (k) chirongwa.
2. Tora IRA Kubhadhara
Kune avo vane makore 59 1/2 kana kupfuura, ungatora kufunga kutora IRA kuregererwa mumakore mashoma emari, kunyange kana iwe usina kudiwa.
Ndicho chikonzero nei izvi zvingashanda. Mushure mokuwedzera zvigadziriswa zvakakonzerwa, zvakadai sekubhadhara chikwereti uye kushandiswa kwehutano mari, vamwe vakasiya mari vanowedzera kudarika kupfuura mari. Mumakore apo izvi zvinoitika, izvi zvinogona kuva mukana mukuru wekubvisa mari kubva kumabhengi ekurega mari uye kubhadhara mutero kune 10% chete kana 15% muzana.
Pane kudaro, vazhinji vakasiya mari vanotevera humwe huchenjeri huripo, uye regai makero akaremberedzwa mutero akure kusvikira vachimanikidzirwa kutora zvakaderera kugoverwa pamakore 70 ½. Kana iwe ukamirira kusvika makore makumi manomwe ½, kuparidzirwa kwemukati kunogona kuve kwakakura zvakakwana kuti mari yakawedzerwa inobva yashandura iwe mu 25% yebhasikiti yemutero.
Nokutora zvisizvo mumakore ekubhadhara mari inoshandiswa yakaderera, iwe unogona kukanganisa kubhadhara mari inowanikwa 10% - 15% yekutora zvisizvo gare gare mumugwagwa.