Mari Yokutenga Mari Ive neHigh Contribution Limits With Rigid Requirements
Mari yekutenga mari yakafanana nekugovana-kugoverana zvirongwa , asi neurongwa hwekugovana-pfuma, waanoshandira anokwanisa kusarudza gore roga roga kuti zvakadini zvichagoverwa kune vashandi. Panzvimbo yeiyo yakagadzirirwa muzana yemari, mushandi-kugoverana mushandi angasarudza kugovera mari yakatarwa yebatsiro, uye kugovera kune vashandi gore roga roga sehuwandu hwemari. Kune vashandi, zvirongwa zvekutenga mari zvinogadzirisa bhajeti uye kuronga kwemipiro zviri nyore, asi zvirongwa zvekugoverana kwebatsiro zvinopa kushanduka kwemakore mumakore asingabatsiri.
Mari Yokutenga Plan Contributions 2015
Mipiro yakaitwa kumagadziro emari ekutenga ndiwo mutero-unoderedzwa kune waanoshandisa uye mutero-wakatarwa kune vashandi. Kuita zvekutsvaga kunowedzera musero mutero kusvikira mari inobviswa pakubhadhara.
Pane misikidziro yekuti vashandi vakawanda vangapa sei mari yekugadzirisa mari. Iyo miganhu inogadziriswa pane nguva nemari yekurarama. Muna 2015, michero yemari yekutenga mari yakaiswa pa 25 muzana yemutengo wevashandi kana $ 53,000, chero zvishoma.
Mipiro yevashandi vanobhadhara zvikuru haigoni kupa zvipo zvekubhadhara vashandi vashoma vanobhadhara nemari yakawanda muurongwa hwekutenga mari kana chimwe chimiro chekugadzirisa basa rekurega basa . Iko Internal Revenue Service inotora "top-heavy" kana kusarura kusarura kusarudza kana zvirongwa zvichifadza vamwe vashandi kune vamwe.
Kana urongwa huri kuratidza kusarura, muganhu wemiganhu unogona kuderedzwa kune avo vanobhadharwa zvikuru. Vamwe vangatobhadhara mubairo weizvi. I IRS inogonawo kuranga kambani yacho nemitero yepamusoro kana ikakundikana kubhadhara zvizere mari yekutenga mari.
Ndiani Angave Nemari Yokutenga Mari?
Mabhizimisi emhando ipi zvayo anogona kupa mari yekugadzirira mari kune vashandi, uye anogona kugadzirwa zvakajeka kana kuti yakaoma kwazvo zvichienderana nezvinodiwa nekambani. Zvose zvinotarisirwa ndeyekuti mubhadhati aise Fomu yeRS 5500 gore negore. Makambani maduku anogona kutarisa purogiramu yekutengesa mari yakagara isati yatengeswa kubva kune mumwe munhu anokwanisa kuita basa rekuripira basa uyo anoronga chirongwa chekambani.
Mari yekutenga mari inogona kugoverwa pamwe chete nemamwe marudzi ezvirongwa zvekurega basa. Kutaura zvazviri, zvirongwa izvi zvaimbowanzobatanidzwa nepurogiramu yekugoverana, izvo zvakapa makambani kubatsirwa nemiganhu yakawanda yekupa mupiro uye chidimbu chekushandura mukugadzirisa kuwanda kwezvipo zvegore negore. Icho chaiva apo mari yekutenga mari yakanga ine imwe yemiganhu yakanyanya kupiwa yevashandi. Mumakore achangopfuura, zvakadaro, muganhu wemiganhu wakasimudzirwa zvikuru pamhando dzakawanda dzakajeka dzezvirondedzero zvezvirongwa, kubvisa huwandu hwebatsiro kubva kune mari yekugadzirisa / kugovana-kugoverana kusanganiswa nekuderedza kuda kukuru kwezvigadziro zvekutenga mari kune vavashandi.
Kunyange zvakadaro, zvirongwa zvekutenga mari zvinoramba zvichifadza vashandi, uye inogona kuva nzvimbo yekutengesera mumakwikwi ekubhadhara misika. Makambani ane mari yekutsvaga mari angatarisa kuchengetedza ivo nekuda kwechikonzero ichi. Vashandi vanoda kuchinja hurongwa hwekutenga mari kune rumwe rudzi rwerongwa vanofanira kubhadhara kune zvakasimba IRS mirayiridzo yekuita saizvozvo, kana kuchengetedza rubatsiro rwepurogiramu yevadzidzisi vezano.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.