Mutero wemitero unogona kuvimba neicho chinobva pamari yako yekusara
Kubviswa uye Kuregererwa
Tora zvakakwana zvibvumirano zvakaenzana kana zvakanyatsotaridzika uye kusununguka kwako pachako. Zvose izvi zvinobatsira kuziva kuti mari yako yakawanda ichave isina mitsara. Vapoteri vanogona kurongedza kugoverwa kunokonzerwa nekutora mari, kubhadhara mitero, uye mari yekurapa.
Accelerate Retirement Contributions
Funga kuwedzeredza kushandiswa kwekurega basa kana iwe uine zvakawanda zvakabviswa zvinowanikwa. Iwe unogona kubvisa mari yakawanda yekubvisa mari pane iwe unoda mugore rimwe chete apo kubvisa kwako kudarika mari yako inotengesa. Iwe uchadzivisa kusava nemari yekubhadhara mamwe mitero mune ramangwana gore kana iwe ukatora huwandu hukuru hwekuregererwa ikozvino, kana zero kana kuti yakaderera mutero wero, panzvimbo pfupi.
Sarudza Purogiramu Yekugara Muparidzi Kugoverwa
Iko flip kune imwe nzira iyi ndeyokutarisa mararamiro ako ekurega basa kusvikira iwe uchida ivo kana kuti inotorwa nemutemo wemitero. Kuchengetedza kugoverwa kwemitero kunoshandiswa zvishoma kunowedzera mari yakawanda kune yemakore emitero yemangwana kana iwe unotarisira kuti iwe uchawira mubhaketi yakaderera yemutero nenguva iyoyo.
Vateresi vanofanira kutanga kutora mari kubva kune yavo 401 (k) s uye tsika dzevanhu vanoronga IRA pavanenge vava nemakore 70 1/2. Kugoverwa kunofanira kutanga musi waApril 1 wegore rinotevera gore ravanosvika naro musi iwoyo wekuberekwa. Izvi zvinonzi "zuva rinofanira kutanga zuva." Iko mari shoma inofanirwa kugoverwa ibasa rako rega rega rakagoverwa nemararamiro ekutarisirwa kwehupenyu akabudiswa ne IRS muBhuku 590.
Iwe unogona kushandisa web-based calculators kuti uenzanise zvaunoda kugovera zvishoma. Ronga kuregera zvishoma nezvishoma mari inoshandiswa kubva kuIRA yako uye 401 (k) nhoroondo. Roth IRAs uye yakasarudzwa Roth 401 (k) nhoroondo dzisingabvumirwi nemitemo inoshandiswa yekuparadzira zvishoma .
Mutero Wekwereti Yevakwegura
Usakanganwa chikwereti chevakwegura . Iyi yekodhi yemutero inogona kudzingwa nevateresi vane makore 65 kana kupfuura, asi kukodzera kwairi kunoda kuronga zvakanaka-yako yakagadziridzwa mari yakawanda inofanira kuwira pasi pemimwe miganhu.
Kuwedzera Mari Yenyu Yemutero
Vateresi vanogona kusarudzira kusvika ku $ 250,000 kubva pamutero mukuru wekutengesa pavanotengesa imba yavo huru . Iyi nhamba inowedzera kusvika ku $ 500 000 kana iwe wakaroorana. Nharaunda inowanikwa kubva kumasungwa emumatare hainawo kubhadhara mutero.
Kubhadhara Imari Inotengesa
Vapateri vanowanzowana mari kubva kune zvakasiyana-siyana, kusanganisira Social Security mazano uye kuparadzirwa kubva pensions, annuities, IRAs nezvimwe zvirongwa zvekurega basa. Mumwe nomumwe anotungamirirwa nemitemo yakasiyana yemitero.
Social Security
Zvaunogona Kuzvidzivirira Pakati Pamwe Chete zvinogona kunge zvisingabhadhara mutero zvachose kana kuti zvisingabhadhara mutero zvichienderana nemari yako yose kubva kune zvose zvinobva. Kuenzanisira kuti zvakawanda zvezvikomborero zvako zvinosanganiswa sei semari inotengesa inosanganisira mamwe masvomhu , asi zvakakosha kuita nekugadzirisa zvinangwa uye iwe uchafanirwa kuita zviyero zvakadaro pamutengo wenguva.
Pension kana Annuity Income
Mari yako yepensheni kana annuity mari inogona kunge yakakwana kana yakazara inotengesa.
Zvipo zvako zvichave zvisingabhadharwi zvakakwana kana mishonga yose yepenjeni yako yakaitwa nemitero-inoderedzwa madhora. Asi kana iwe wakapa mari ipi neipi mushure mekutora mari yekubhadhara hurongwa hwako, iwe uchava nedzimwe mari inowanikwa mukonesheni yeurongwa. Chikamu chekugovera kwako kuchava kusarudzwa kwemutero-kusina kwekugadzirisa kwezvikwereti uye chete zvakasara zvichange zvikwereta mari.
IRS Publication 575, Pension uye Annuity Revenue, inopa ruzivo rwakakwana pamusoro pekufungidzira mari inotengesa, asi mutungamiri wako anofanirwa kuverenga chikamu chekodzero chekupararira kwepenheni kwako. Taura nemukuru wehurumende kuti uwane kuti mari yako yepenjeni ichavei uye chikamu chipi chezvikwereti ichocho chichafungidzirwa kutere.
IRA Distributions
Kugoverwa kubva kubhuku rako rekuregererwa kwega rega kunogonawo kuwanikwa zvakakwana, zvisingabhadharwi kubhadharwa, kana kusingabhadhara mutero zvachose. Izvo zvinoenderana nemhando yeIRA yaunayo. Kana iwe une duced traditional jair IRA , kugovera kwako kuchave kurikwanisika. Iwe wakapa mari uchishandisa madhora-deductible madhora, uye mutero unodzokororwa pane zvose zvipo uye mubhadharo kusvikira vasunungurwa.
Kana iwe uine nheyo mune imwe yenyika isiri iyo inokonzerwa neIRA, kugovera kwako kuchave kurikwaniswa kutengesa. Chikamu chekugovera kwako chinomiririra kudzoka kwekurima kwako kusina kubhadhara uye chikamu chacho chinodzoswa musero-pasina.
Kugoverwa kubva kuRoth IRAs hazvina mutero zvachose chero bedzi paunosangana nezvinhu zviviri zvinodiwa: Mupiro wako wekutanga weRoth IRA wakapiwa makore anenge mashanu isati yatengeswa, uye mari yacho inoparidzirwa mushure mokunge mava nemakore makumi mashanu nemashanu.
401 (k) Zvirongwa
Kugoverwa kubva kumushandi wako 401 (k) chirongwa chinonyatsobhadhara nokuti mipiro yaisabviswa kubva pamari yako yaunotengesa panguva yavakaitwa. Kugoverwa kubva kuRoth 401 (k) nhoroondo dzinoshandiswa zvakafanana neRoth IRA kuparadzirwa.