Last Minute Imari Kubhadhara Chirongwa Kuti Upe Kupera Kwekuchengetedza Kuchengetedza Nudge
Hapana anofarira kubhadhara mamwe mitero kuna Uncle Sam kupfuura zvakakwana. Nenzira yakanaka, iyo IRS yemitero yemitero inopa mitero yemitero yekubatanidzwa muzvikwereti zvakasiyana-siyana zvekuchengetedza mari kuti ibatsire kuderedza mitero. Asi sezvo kuguma kwegore kunosvika kusarudzo kwatinoita kuderedza mitero kwegore ra2005 mutero kunowedzera zvishoma.
Heano maitiro mashomanana ekupedzisira okupedzisira anogona kubatsira kuderedza mitero yako iye zvino (kana kuti gare gare) paunenge uchikwanisa kubhadhara mari yako yokurega basa:
Ita maminitsi ekupedzisira zvipo kune 401 (k) kana 403 (b) chirongwa chekurega basa. Imwe nzira yekuderedza mitero yemari paunenge uchichengetedza kubhadhara ndeyekuwedzera kusati kwabhadhara mitero kune 401 (k) kana 403 (b) urongwa kana iwe uine humwe humwe hwezvirongwa zvekurega basa kubasa. Muganhu we IRS we 401 (k) uye 403 (b) zvirongwa ndeye $ 18,000 muna 2015 ($ 24,000 kwemakore makumi mashanu kana kupfuura) uye muganhu uyu hauna kusanganisira mimwe mipiro yakafanana . Kana iwe usingakwanisi kugovera kusvika pamwero mukuru wegore rino, zvingaita kuti uve nechokwadi chekuti uri kuwana mushandi wekushandira zvakazara kana mumwe akapiwa. Taura nehurumende yako yehupfumi kuti uone kuti ungaisa mari yakawanda sei mugore rapera.
Inobatsira kuAvidual Retirement Account (IRA). Imwe nzira inowanzodiwa yokuderedza mitero inogona kushandiswa pakubhadhara mari ndeyokuita rubatsiro rwakabhadhara kuIRA . Mupiro wemiganhu ndeye 100% yekubhadhara kusvika $ 5 500 ($ 6 500 kana uri makumi mashanu kana kupfuura) kana mari yako yaunowana inotora gore kana iwe wekubhadhara iwe usina pasi pemiganhu iyi.
Ramba uchiyeuka kuti kana iwe uri kutora chikamu muchirongwa chekurega basa kuburikidza nemushandirwi wako, kukwanisa kubvisa mipiro iyi kunongororwa zvichienderana nemari yako. Kune gore regore ra2015, kukwanisa kuita zvipo zveRRA zvisingabvumirwi hazvikwanisi kana iwe uri imwe firimu uye wakashandurwa mari yakawanda yakagadziriswa (MAGI) ye $ 71,000 kana kupfuura ($ 118,000 kune vakaroorana vanoisa pamwe chete).
Kana iwe wakaroorana uchiisa pamwe chete nemudzimai wakavharwa nepurogiramu asi iwe hausi, iwe unogonawo kupa mitsva yeRRA inodhakwa kana MAGI iri pasi pe $ 193,000.
2015 IRA Contribution Limitengo
Shandisa mamwe maitiro ekuchengetedza mari kana iwe uri kuzvipira. Dzimwe mikana yekuisa pamba retirement assets mumatare-zvakakosheswa maakare zviripo kune vashandi uye vanozvishanda. SEP IRAs , SIMPLE IRAs , uye Solo 401 (k) s ndiyo inowanzosarudzwa yekuchengetedza kusarudzwa kwevanoshanda. IRAs dzakajeka dzinofanira kunge dzakagadziriswa zvisati zvaitika musi waOctober 1 uye nguva yeSolo 401 (k) zvirongwa zvinofanira kugadziriswa musi waDecember 31. Zvisinei, SEP-IRAs inogona kusimbiswa kusvikira musi waApril 15 wegore rinotevera (Gumiguru 15 kana kuisa kuwedzerwa.
Kuguma Kwegore Gore Rokugadzirisa Mutero Mazano kune Freelancers uye Vanhu Vasingashandi
Nhoroondo dzeRoth dzinogona kubatsira kuderedza mitero yako yemari yemberi. Kana wako waunoshandira achipa Roth 401 (k) kana Roth 403 (b) sarudzo iwe unogona kufunga kufunga michero kune iyo maakaiti kana iwe usingadi mutengo wegore wegore uno. Mutero wemutero usati watora kune waunoshandira-purogiramu yekurega basa kana kuti iRA deductible inogona kunge isingabatsiri kana iwe uri mubhaketi shoma shoma, haisi mumakore ako ekutambira, kana iwe unofunga kuti uri mune imwe nzvimbo yakakwirira yebhasikiti ramangwana.
Mune mamiriro ezvinhu aya, zvinogona kuita kuti zvive zvakanakira kugovera panhoroondo yeRoth kuti iwane mari yekubhadhara mitero isingabhadharwi. Ramba uchifunga kuti Roth IRAs ine zvikwereti zvakasiyana zvakasiyana nemari yeRRA deductible asi mari yezvipo inofanana.
Roth IRA Mitemo Yemiganhu ye 2015
Kana iwe uchiri kuedza kusarudza kuti ndeupi rudzi rweIRA runonyanya kunzwisisika kwauri kuti uve nechokwadi chekutarisa izvi zvakasununguka tsika neRoth IRA mutungamiri.
Funga kugadzirisa mari muIalth Savings Account (HSA). Kana iwe wakanyoresa High Deductible Health Plan, HSAs inobhadhara mutero-inobatsira, nzira yekubatsira kubhadhara mari yemberi yehutano-yakatarisana nemitero yakatarwa yemutero. HSAs inoitawo urongwa hwakanakisisa hwekuchengetedza kwemazuva ekupedzisira kuti ubatsire kuderedza mitero yako yaunowana. Muna 2015 mitsara yeHSA inopa $ 3,350 pamusangano wega wega uye $ 6,650 pamhuri.
Kana iwe uine makore 55 kana kupfuura, kune imwezve mamiriyoni emadhora ekubata-kusvika kusvikira Medicare inokodzera inotanga pa 65.
Nhoroondo dzekuchengetedza hutano dzakasiyana nekuti dzinopa katatu kubhadhara mitero. Mari yaunoisa muHSAs inoderedza mari yako yazvino inotengesa, inowedzera mitero-inoderedzwa, uye inobuda panhoroondo yako yemutero usingabhadhari chero bedzi iwe uchishandisa iyo yehutano yakabatanidzwa. HSA inowanzotorwa semotokari inokosha yekuchengetedza motokari nokuti hapana zvikwereti zvekushandisa mabhuku aya kune mari isiri yezvemari kana iwe uchisvika makore makumi matanhatu. (Vasingazivikanwi kudzokera shure mushure mezera remakore 65 vanoteresa pamitero inowanikwa pamutero.)
Health Savings Accounts uye Retirement
Mipiro yeHSA inogona kugadzirwa kusvika musi waApril 15, 2016, mugore ra2015. Izvo zviri nyore uye nyore kuita zvipo kuburikidza nekudhura kwekutsvaga kwekubhadhara mari ndeyezvinofadza zveHSAs. Zvisinei, vazhinji vanotora HSA havazivi kuti nguva yakawedzerwa yakabvumirwa kupa mipiro yegore regore ra2015 kunze kwekubviswa kwepabhesi nguva dzose. Iwe unosvikira mutero unonyora zuva rekupedzisira (kwete kusanganisira chero zvakapetwa) kuti upe zvipo zvepamusoro kune HSA yako kana iwe usati wakura mairi zvipo zvako kuburikidza nemari yakabhadharwa nemwedzi waDecember 31. Kuti uwane mukana weiyo mukana wokuchengetedza mutero, iwe kudiwa kupa zvipo zvakananga kune imwe nhoroondo yeHSA nekunyora zvakananga cheki kana kugadzirisa zvakananga kuwedzerwa kubva kubhengi yako yebhangi.
Chimwe chikomborero chekubhadhara mutero kune zvipo zveHSA ndezvokuti haufaniri kutora zvitsva zvekuda kubhadhara. Nezvinangwa zvemitero, mipiro yeHSA inofungidzirwa iri pamusoro pekuderedzwa kwemutsara. Izvi zvinoreva kuti vanogona kubatsira kubatsira kuderedza mari yako yakagadziriswa yakawanda (AGI) uye zvingakubatsira kukubatsira kuti uwane mamwe madhauriro emitero uye zvikwereti zvinowanikwa mari.
Kana iwe uine hutano kana usingadi kuwanika neHSA yako mari hapana "kuishandisa kana kurasikirwa nayo" sarudzo sezvazvakangoita kuitira kushandiswa kwemari kushandisa mari (FSA). Somugumisiro, unogona kuramba uchibva paHSA mari munyaya yako uye rega sarari yako ikure mumakore ako ekurega basa. Nhoroondo dzekuchengetedza hutano dzinopawo maitiro akasiyana-siyana ekutsvaga kwekutsvaga mari kuburikidza nemari yakasiyana-siyana inobhadhara kwenguva refu.
Kusiyana nemipiro kune IRA, nhepfenyuro dzehutano hwehutano hadzina mari dzisingakwanisi. Ingoziva kuti unofanirwa kuvharwa nepamusoro-deductible yehutano inshuwarano yepurogiramu nehutano yekuchengetedza yehutano yakaiswa pairi mukati megore regore ra2015. Nguva yakatarwa yekuita zvipo zveHSA ndiApril 15 kunyange iwe uri kuwedzera kuwedzerwa.
Verengai zvamunotora mutero. Kana iwe uchida kuziva kuti iwe unofungidzirwa mutero wegore ra2005 wegore rekutere haufaniri kumirira kusvikira waunza mutero wako wekudzokera. Izvi zvisati zvabhadhara mari yekugadzirisa chiyero zvinogona kushandiswa kuenzanisa kukosha kwemitero yezvipo zvezvemari kune mumwe mushandi-anotsigirwa basa rekurega basa, redu reIRAs, zvirongwa zvokuzvipira, kana HSAs.