Ndeapi Apt-Deferred Investment Account?

Nhoroondo dzakabhadhara mitero dzinoisa nguva kumativi ako

Kuchengetwa kwemitero kunodhindwa kunoitika paunoshandisa kambani yakasarudzwa, kana kusarudzwa kwekutsvaga, izvo hazvidi kuti iwe utaure mari yekubhadhara inowanikwa mukati memabhuku iyo gore rose pamutero wako wekudzokera. Pane kudaro, unosvika pakurambidza iyo mari yekusimwa kusvika iwe ukasarudza kutora kubva kubhadhara rekuchengetwa kwemutero uye kana iwe uchibhadhara muzvikwereti.

Kushandisa mitero-inoderedzwa kwekutsinhanisa maakaunti inonyanya kunzwisisika kana iwe uri mubhadhakiti yepamusoro yepamusoro zvino uye uchifunga kuti uchava mubhaketi shoma shoma munguva yemberi apo iwe uchange uchitora kubvisa.

Iko pfungwa ndeyokuisa nguva kumativi ako, zvichibvumira makore ekutsvaga mari kubatanidzwa , pasina kubhadhara mutero pairi.

Iwe unogona kuunganidza mitero-yakasimudzwa kuchengetwa nenzira dzinoverengeka:

1. Mari yekubhadhara mitero yakaremberedzwa yakafanana neIRA kana chirongwa chekushandira mari yakashandiswa (yakadai se 401 (k), 457 kana 403 (b) chirongwa). Muchikamu chezvikwereti izvi, unogona kutenga marudzi akasiyana-siyana emitemo.
2. Isa mari mumutero wekubhadhara mutero inoshandiswa neinishuwarenzi iyo inokubvumira kuti uwane mari yekuchengetwa kwemitero. Mitero-yakasunungurwa annuities inogona kugadziriswa, iyo inopa chikwata chakachengetedzwa, kana chakasiyana, apo inokubvumira kusarudza kubva kune zvakasiyana-siyana zvekutsvaga.
3. Kuunganidza mari mukati mehupenyu hwehushandi yemishandisi yehupenyu, kana mari yeRoth IRAs, Accounts Health Savings, kana kushandisa mamwe marudzi ehurumende mabhandi akadai se Series EE Bonds kana I-Bonds.

Muenzaniso wekuti Mutero-Deferral Works

• Iwe unoshandisa $ 1 000 mukodha yakachengeterwa mutero (se 401 (k) chirongwa, kana nhoroondo yeIRA), kana kushandisa sarudzo-yakasunungurwa annuity.

• Inowana 5% mumari yekutsvaga mari.
• Pakupera kwegore, kubhadhara kunokwana $ 1,050.
• Iwe haufaniri kutora $ 50 semari yekutsinhanisa mari pamutero wako wegore ikozvino sezvo yakagadzirirwa mukati memhosva yekuteresi kana kukoderedzwa kwemutero.
• Gore rakatevera, iyo yakatanga $ 1,000 uye iyo $ 50 yekunakidza zvose zviri zviviri zvinowana mari yakawanda kwauri.

Kubhadhara Kare

Paunoshandisa zvikwereti zvinokubvumira kurega mitero kusvikira gare gare, kubvisa mari yekuwana mari isati yasvika makore 59 ½ inowanzopiwa mutero we10%. Iri chirango chiri kuwedzera kune mitero yemari inowanikwa. Funga nezvazvo seizvi: IRS inokubvumira kukura mari yako yemutero-inokurudzirwa sechikurudziro kukukurudzira kuchengetedza basa rekurega basa, asi vanokutora iwe kana ukashandisa mari yacho kare kare.

Hasi mhando dzose dzekutsvaga mitero yakasarudzwa dzinokurumidza kubvisa chirango. Somuenzaniso, inshuwarisi yehupenyu hwose inokubvumira kubhadhara mari kunze. Paunokwereta mari, hapana mitero kana zvikwereti zvinokonzerwa. Ndiine I-Bonds iwe unobhadhara mitero kana iwe uine mari muzvisungo, uye izvozvo zvinogona kuitika chero ipi zvayo - hapana chirango kana iwe uchitengesa muzera risati rasvika makore 59 1/2.

Ndiripi Kubhadhara Mitero?

Panguva iyo iwe paunotora kubvisa kubva kubhengi rekuchengetwa kwemitero, iwe uchabhadhara mitero pamutero wako wekubhadhara mari yaunenge uripo pane chero upi zvake wekutsvaga huri kubviswa. Kana zvipo zvako kuakaiti zvaivewo mutero wakabviswa , iwe uchabhadhara mitero pamari yakakwana yekubvisa kwako, kwete kungoita mari yekuwana mari.

Mitero yeTare-Deferred Accounts

Pasi apa pane mazita ezvinyorwa zvinokonzerwa nemitero yakatarwa.

Muchikamu chezviitiko izvi, unogona kuva nechokuita chero chipi zvacho chekutsvaga iwe unogona kufunga; mutual funds, stocks, bonds, certificates of deposit, annuities fixed, variable annuities, nezvimwewo.

• IRAs dzekodha - kuisa mari mukati mekodzero dzeIRA kukura mitero-yakadzorerwa. Mipiro yako kune tsika dzekodzero dzeIRA dzinogonawo kutora mutero kana iwe ukasangana nemiganhu yeIRA yemiganhu uye mitemo inoda.
• Zvirongwa zvekushandira semakore 401 (k) nhoroondo, 403 (b) zvirongwa uye zvirongwa 457 - kuisa mari mukati mevashandi-vanoridzirwa basa rekurega basa kazhinji kunowedzera huwandu hwemitero kusvikira uchitora matanho. Mipiro inogonawo kuva yakabhadhara mutero.
  Paunoshandura vashandi, iwe unogona kudzivisa kutora kubhadharwa nekushandisa IRA rollover kutamisa mari zvakananga kubva kurongwa hwako kuenda kuIra account, kana kuendesa mari zvakananga kurongwa pamwe newaunoshandira.

• Roth IRAs - kuisa mari mukati meRoth IRA kwakatonyanya kukunda kudarika mutero-kurevererwa; ivo vanokura musero musina chero bedzi iwe uchitevera Roth IRA kuregera mitemo.

Zvimwe Zvasarudzo Nemutero-Dhipatimendi

• Fixed deferred annuities - chikwereti chakawanikwa musangano rakasimbiswa inotariswa-mutero kusvikira watora zvisizvo.
• Annuities dzinoshandiswa - mari yekutsvaga mari inowanikwa mukati mekushanduka annuity inoteresi-inoderedzwa kusvikira iwe uchitora zvishoma.
• Ini Zvikwereti kana EE Bonds - kufarira kunowanikwa kune mutero-kunoderedzwa kusvika iwe uine mari muzvisungo.
• Inishuwarenzi yose yehupenyu - rubatsiro rwakagadzirirwa mutero-hunoderedzwa kusvika iwe uine mari muhurumende yerinishuwarenzi, kana kutora kubhadhara kunosanganisira mari inowanikwa mune mari yako inokosha.