Nheyo dzeMunhu mumwe nomumwe Wokurega Mari
IRA: Tsamba idzi nhatu dzinokosha dzinogona kuita basa guru muurongwa hwekuchengetedza mari yako. Izvozvo ndezvokuti Iga Rega Retirement Account, kana IRA, inokubatsira kuti uchengetedze basa rekurega basa uye uchikuchengetedza kubva pane imwe yezvokutanga: IRS .
Imwe Chikamu Chekuchengetera Imwe (IRA) chirongwa chekuchengetera kwebhuku rinochengetedza mitero inobatsira. Kuchengetedza basa rekusununguka nekurasimba kusina mutero kana pamutero-kutengesa kunobatsira zvakawanda.
Kana iwe usati watova neAvidual Retirement Account muchirongwa chako chekuchengetedza mari, iwe unenge usiri kurasikirwa mukana mukuru wekuchengetedza mararamiro ako ekurega basa uye kuderedza mutero wako wemutero.
Kune marudzi akasiyana eIRAs, imwe neimwe ine yega yega yemitero inobatsira uye inokodzera.
Traditional IRAs
Heano zvimwe zvezvinhu zvinokosha zveMutambo IRA:
- Imwe tsika yeRA inonzi inofanirwa kutora motokari yekuchengetedza mari. Izvi zvinoreva kuti iwe haufaniri kubhadhara mitero pane zvaunowana kubva kubhuku iyi kusvikira wabvisa mari. Somugumisiro, unogona kukwanisa kuwedzera zvizhinji muIRA yakaenzaniswa nekatektaiti dzekodha nokuti iwe unokwanisa kukonzera mitero kune chikwereti uye zvikamu zvakagadzirwa nemari yako yeIRA.
- Chero ani zvake ari pasi pezera remakore makumi manomwe nemasere nemari yakagamuchira anogona kuunza mutsika yeIRA. Mupiro wako unogona kunge uri mutero unobviswa kana ukasangana nedzimwe nzira. Murairo wekuti ndiani angatora kuderedzwa kwezvipo zveMitambo IRA inobva pane zvose zvaunowana uye iwe iwe kana mudzimai wako unobatwa neurongwa hwekurega basa kubasa.
- Kana iwe ukabvisa mari kubva kuIRA, kugoverwa kunosanganiswa mumari yako inotengesa. Inobhadharwa semari inowanikwa mari.
- Muzvizhinji, IRAs haifaniri kuwanika musati wasara. Kana iwe ukabvisa mari yacho usati wasvika pamakore makumi mashanu nehafu, pane imwezve yegumi yematero pane iyo yekuparadzirwa kwekutanga . Mutero wekubhadhara uri kuwedzera kune hurumende uye hurumende inobhadhara mitero pamutero wako wekubhadhara mari. Zvimwe zvisiri zvekuregererwa kwekutanga kutonga zviriko zvirikubvumira iwe kutora mari kubva kuIRA yako pasina chikwereti kana iwe ukasangana nedzimwe nzira.
- Zvakakosha kucherechedza kuti IRA haisi yekutsvaga kwekutsvaga, asi pane imwe yenyaya iyo inogona kubhadharwa nemari inosanganisira zvikwama, zvisungo, mutual funds, CDs, kana zvimwe zvikwereti zvinotenderwa.
Neyendsika yeIRA iwe unofanira kutora zvishoma zvishoma pamusana pegore iwe paunenge wava nemakore makumi manomwe nemashanu. Kana iwe usingakwanisi kugadzirisa kushandiswa kwakadzika kwegore negore iwe unofanirwa kubhadhara mutero wekutengesa we50 muzana yemutengo unoshandiswa wekupararira.
Roth IRAs
Heano zvimwe zvezvinhu zvinokosha zveRoth IRA:
- A Roth IRA imotokari yemari yekuchengetedza mari yekusasiya.
- Kusiyana neRitura yeIrasi, iyo nhoroondo inokura pamusana pekubhadhara mitero , A Roth IRA inopa huwandu husina mutero hwekubhadhara mari uye kuparadzirwa. Kugoverwa kubva kuRoth IRA hazvina mutero zvachose, chero bedzi iwe unosangana nemamwe mamiriro ezvinhu. Somugumisiro, unogona kukwanisa kuwedzera zvizhinji muRoth IRA yako kupfuura yekodha yekodha nokuti iwe hauri kubhadhara mutero gore negore pane zvechidimbu uye zvikwereti zvakawanikwa mubhuku reRoth IRA yako.
- Iwe unogona kuunza mipiro kune Roth IRA kunyange kana iwe uine chirongwa chokubatira basa kubasa.
- Kukwanisa kupa rubatsiro zvakananga kuRoth IRAs kunobva pamiganhu yekuwana mari.
- Kusiyana neChechi yeIras, Roth IRAs haisi pasi pemitemo inoshandiswa yekugovera zvishoma muupenyu hwako hwose.
- Kufanana neRituro yeIra, zvakare zvakare kukosha kuziva kuti Roth IRA haisi yekusimwa chaiyo. Pane kudaro, iyo yeropa iyo inogona kubhadharwa nematokari, mutengo wemari, maCD, kana zvimwe zvikwereti zvakakodzera.
Kusarudza Pakati Pezvakasiyana neRoth IRA
Kusarudza kana Mutsika kana Roth IRA inonyanya kukoshesa iwe unogona kuva sarudzo yakaoma kuita. Icho chisarudzo chekupedzisira chinowanzosvika kune iyo iwe unoda kushandisa zvakasara mutero wepamusoro (kana iwe uchikodzero) kana kuti unonakidzwa kutora musero mushure gare. Izvo zvose zviri zviviri zvakanaka zvepamusoro-zvakakosha zvingani zvekuita, asi zviri nani?
Kana uri kuedza kusarudza zvakanakisisa sarudzo, funga izvi zvinosarudza:
- Tarisa kuti iwe ungangodaro unoda sei kuwana mari yako yekuchengetedza mari. Munawo wose, unofanira kunge uine 59 1/2 kutanga kubvisa mari kubva kune chetsika kana Roth IRA pasina chirango. Mune mamiriro ezvinhu akawanda, iwe uchafanirwa kuva neRoth IRA kwemakore mashanu usati wasvika iwe unogona kuigamuchira usina kutererwa pamari yekuwedzera. Zvisinei, zvakakosha kucherechedza kuti iwe unogona nguva dzose kubvisa zvipo zvako zvepakutanga pasina chirango chero nguva ipi zvayo. Kana iwe uchifunga iwe ungada mari yacho nokukurumidza kupfuura makore mashanu mushure mekunge mazarura kambani uye vangave vachida kuwana mupiro wenyu wepakutanga nemari yekuwana, Mutambo IRA unogona kuva sarudzo yakanakisisa. Kana uine nguva yakareba yakareba iyo inopfuura makore mashanu, izvi hazvifaniri kuva chinhu.
- Sarudza kuti mari yako yakawanda inogona kudii. Kana iwe uchiwana mari yakawandisa kuti uite rubatsiro rwemitero-yakabhadhara kuChechi yeIra asi iwe uchiri kukodzera Roth IRA, zvino kusarudzwa kuri nyore. Kana iwe uchiwana mari yakawanda kuti upe rubatsiro rwakananga kuRoth IRA, unogona kunge uchikwanisa kushandisa mitemo yekutendeuka yeRoth IRA kuita izvo dzimwe nguva zvinonzi seAringdoor Roth IRA.
- Dzokororai inofanirwa kubhadhara mari yaunowana mari yaunoronga kuti iwe uri pahupfumi: Kana iwe unofunga kuti ugare munzvimbo yakakwirira (kana yakakwirira) yebhasikiti yemutero, kugoverwa kusina mutero kweRoth IRA kunogona kufadza.
Non-Deductible IRAs
Kunyange kana iwe usingakwanisi kubvisa zvipo zvako zveMalawi IRA kana kuisa mari muRoth IRA, iwe unogona kuchengetedza neI-non deductible IRA. Kungofanana neRoth IRA, hauna kuwana kubhadhara kwezvipo zvako kune IRA isina kubhadhara. Ngwarira kuti pane zvakasiyana zvakasiyana-siyana mukuparadzanisa kwatakabhadhara.
- Kunyange zvazvo zvipo zvako zvisina kukonzerwa neIRA zvisingabhadharwi hazvizogadziri mitero yako mugore raunovaita, mari yavari pairi inotariswa -mitero , iyo inokosha inoshandiswa mutero weIRA yenguva dzose .
- Paunotanga kutora kuparadzirwa kubva kune IRA isina kubhadhara, chikamu chekugovera chichava kudzorera kusingabhadharisi kwemitero yako yepakutanga, isina kubhadhara, uye mari yakasara ichabhadharwa semari inowanikwa.
- Muzhinji, dzakawanda dzemimwe mitemo inoshandiswa kuRitura IRAs yakadai sekudikanwa kwekugoverwa kwepasi uye yekurasirwa kwekutanga kwekare kunoshandawo kune vasina-deductible IRAs.
- Kusiyana kwekusiyanisa pakati peasina-deductible IRA neChechi IRA inobatana nemutero wemutero wepamupiro wepakutanga.
- I-non-deductible IRAs inowanzotora pfungwa yakawanda kune vanhu vari kutora chikamu purogiramu yekusarura kuburikidza nevanoshandira uye ivo havakwanisi kupa chikwereti cheDare reIra rakakodzwa kana mari yavo iri pamusoro peRoth IRA inokodzera kubhadhara. Kukwezva kukuru ndiko kukwanisa kuchengetedza zvakawanda nokuda kwekurega basa mune imwe nhoroondo inopa huwandu hwekubhadhara mutero wekuwana.
IRA Contribution Limitengo
Nhamba yose inogona kugoverwa kuMutambo IRA uye / kana kuti Roth IRA haina kukwana.
- Mupiro wegore rose wegore ra2017 uri muduku we $ 5 500 kana 100 muzana yemari inowanikwa.
- Vateresi vava nemakore makumi mashanu nekukura vanokwanisa kupa imwe $ $ 1 000 pamutengo we $ 6,500.
Iwe unogona kugovera kumhando dzose dzeakaunti kana iwe usingapfuuri miganhu yegore negore. Somuenzaniso, iwe unogona kuisa $ 2 750 muRitura IRA uye $ 2 750 muRoth IRA, kana kuparadzanisa zvipo zvako mune imwe nzira, chero bedzi iwe usingapfuuri mutengo wegore we $ 5 500.
Mipiro yeIRA inogadziriswawo nemari yako inowanikwa. Nokuda kwezvinangwa zvekugonesa kwako kukwanisa kupa mupi weIRA, mari inokodzera yekuwana mari inoreva mibairo , kubhadhara mari , kubhadharwa , uye kusingabhadharwi kubhadharwa. Saka, kana uine $ 4 500 mune mari yaunowana mari iyoyo ichava muganhu wako wekupera. Murairo uyu unonyanya kukosha kune vabereki vari kutsvaka kuita mishonga yeIRA panzvimbo yevana vavo vanogona kunge vasina mari shoma kubva mubasa renguva yakazara.
Imwe mitsara yekuwana mari ndeyokuti haungakwanisi kugovera Roth IRA kana kutora kudhokera kwezvipo kuRitura IRA kana iwe uchiwana zvakawanda. Nzvimbo yepaIndaneti inonzi IRS inoratidza mari yekuwana mari yekupa Roth uye Traditional IRAs.
Deadlines kuti ipe Chipo kune IRA
Mipiro yeIRA inogona kuitwa chero ipi zvayo gore rose. Izvo hazvirevi negore rekarenda, asi rinofanirwa kuitwa nezuva rekutere kuti uverenge kune chikamu chako chemupiro wegore rakapera. Semagumo, iwe unogona kuita mu 2017 mupiro weIRA mwedzi waApril 17, 2018.
Ndekupi Kuzarura IRA
Kana wangoona kuti IRA inonzwisisika pamamiriro ako ezvinhu, unoda kuziva kuti unogona sei kuzarura compte. Izvi zvinoreva kusarudza mutengesi wepaIndaneti kana mumwe mupi webhuku. Munowanzo, iwe unogona kuzarura IRA kuburikidza nedzimwe huru dzezvemari, mabanki, makambani ekubatanidza mari kana mabhizimisi ekudhinda.
Iwe unowanzoda kutsvaga mutengi weARA wekupa akaunti:
- Haina mari yebhasi kana mari shoma.
- Inopa sarudzo yakakura yekutengesa-mari yekubhadhara mari pamwe nekutumirwa-pasina kushandiswa kwekutengesa mari .
- Inopa hurumende yepamusoro-soro rubatsiro rwevashandi uye ruzivo rwekusava nehanya nemari yezvidzidzo zvemari, kunyanya kana iwe uri mutsva pakuisa mari.
- Ane bhasikiti yekodhi yepasi uye mari shoma.
Nzira Yokubhadhara IRA Yako
Vose IRA mupi wekodha ane yega yega yakagadziridzwa nekugadzirisa maitiro. Vamwe veIRA vanopa rubatsiro rwekusununguka kwekutsvaga kwekombiyuta. Mamwe mashoma matanho anokosha anosanganisira kusarudza nzira yekubhadhara account yako (chengetedza, kuwedzerwa kwemagetsi kubva kubhengi yako yebhangi, rollover, nezvimwewo) uye kutumidza mazita ekubhadhara paakaunti yako.
Ndinofanira Kuita Sei Mari Iri muIRA?
IRAs inobvumira kubhadhara mune zvakasiyana-siyana zvakasarudzwa. Mimwe mienzaniso yezvibvumirano zvinotenderwa zvinosanganisira zvinotevera: zvikwereti zvemunhu, zvibvumirano, mutengo wemari, mutengesi-kutengesa mari, annuities, uye mamwe marudzi edzimba dzeimba. Rudzi rwekutsvaga uye huwandu hwekugoverana kwezvinhu zvakakunakira iwe hunoenderana nekutambudzika kwako kusangana uye nguva. Iwe unogona kusarudza mari yose-in-one "yekutsinhanisa mari (somuenzaniso, chinangwa chezuva rekubhadhara mari) iyo inotarisira mafairo ako ekugoverwa iwe kana kuisa purofiti yako kana iwe uri mupi wekusimbisa mari.
Kuzvimirira Kwemunhu Pamwe Nhengo dzeZvashandi Zvidiki Nevaya Vanozvishanda
Kunyange zvazvo basa roga roga rine zvigaro zvakawanda, zvinogona kuva zvakaoma kuponesa zvakakwana zvekurega basa. Kana iwe uchishanda semakonikari akazvimiririra, une chero mari yaunobhadhara basa, kana kuti shandisa bhizinesi duku iwe unogona kukodzera kune dzimwe mhando dzeZvino Retirement Accounts. The Simplified Employee Pension, inowanzozivikanwa seSeP-IRA, uye SIMPLE IRA ndiyo dzimwe mhando dzeIRAs kuti irerekere kana iwe uri webasa rako (kunyange kana iri nguva yega-gig).
Simplified Employee Pension (SEP-IRA): A SEP IRA chirongwa chokubvisa basa chavanoshandisa kana vanozvishandira vanogona kugadzira. Uyo anoshandira anogamuchira kubhadhara mutero kune zvipo zvakagadzirwa kune chirongwa cheSeP uye anopa mipiro kune imwe neimwe yeEPP IRA inoshandiswa pamusana pekufunga. Kubatsira kukuru kweSEP-IRA ndiyo mireji yakakwirira yegore negore, iyo inosvika madhora 54 000 muna 2017 yakareba zvikuru kupfuura $ 5,500 chekubatana neChechi kana Roth IRA.
Kuponeswa Kwekuchengetedza Kubatsira Kwevashandirwi (SIMPLE IRA): AI SIMPLE IRA chirongwa chekurasikirwa chinoshandiswa nevanoshandira chinopiwa mumakambani maduku ane vashandi vashoma kana vashoma. Mabhizimisi maduku anogona kufarira SIMPLE IRAs nokuti inodhura uye inorema kudarika kune 401 (k) hurongwa . Izvo zvirongwa zvine mitemo yakananga pavanoshandira inobatanidza zvinokurudzira zvinowanikwa muurongwa. Muna 2017, vashandi vanogona kupa mari 12,500 kune imwe SIMPLE IRA. Muganhu wekupihwa- 2017 uri $ 3,000 unoita SIMPLE IRA chikamu chemupiro $ 15 500 kune vagoveri makore makumi mashanu kana kupfuura.