Iwe Unogona Kuramba Uchichengetedzwa NeIRA
Zvisinei, iwe uchiri kugona kuchengetedza kubhadhara kwako pamwe chete nemugove usina kubhadhara IRA. Kunyange zvazvo zvipo zvako zveARA zvisina kukonzerwa hazvisi kuderedza mitero yako mugore raunovaita, mari yavaripo inotariswa -mitero , iyo inokosha inoshandiswa mutero weIRA yenguva dzose.
Non-Deductible IRA Mipiro Yakavaka Basis
Zvinogona kunge zvichiodza mwoyo kana iwe usingagamuchiri chero pakarepo mutero kubatsirwa kubva kune imwe yega yeRRA isina kukwana. Asi kuwedzera-kuteredzwa kuwedzera kunogona kuve kwakakosha, uye pakupedzisira kunogona kupa mupiro unokosha, kunyanya kana iwe unotarisira kuva nebhadharo yepamusoro mushure mushure mokunge usiya kurega iwe kupfuura ikozvino.
Paunotora IRA yako nguva dzose kugovera panguva yekurega, iwe unobhadhara mitero pakura. Zvisinei, chero zvipo zvisiri zvekubhadhara zvinotorwa sechikonzero chako . Sezvo iwe wakanyatsobhadhara mutero pamari apo iwe wakaita mupiro, haufaniri kubhadhara mutero pairi zvakare gare gare.
Semuenzaniso, taura kuti wakanga wapa $ 2,000 mari isina kubhadhara gore rakapera uye kubhadhara kwekambani yako, kuburikidza nemipiro yakawedzerwa yakakodzwa uye kukura kwekutsvaga kwekutsvaga , yaive yakakosha madhora makumi maviri nemakumi maviri kana iwe ukaita kuti uende. Kana iwe waizoita $ 1 000 kubvisa panguva yekurasikirwa, $ 900 chete yaizoonekwa sekubhadharwa mari kubva 10% ($ 2,000 yakapatsanurwa ne $ 20,000) kwaiva kudzoka kwechinhu chisina kubviswa.
Hazvisi nguva dzose kuti zvive pachena kana mitsara yeIRA isiri iyo yakakosha ndiyo nzvimbo yakanakisisa yokuti iwe uite mari yako yekuchengetedza mari. Somuenzaniso, kana iwe unotarisira kuwana mari yako (uye iwe mutero wako) kuti urambe uchikwira, unogona kubhadhara mitero pamaripo sezvaunoenda, panzvimbo pekutaurira.
IRA Inowana Zvipingamupinyi
Mitemo yezvipo zveIRA yakaoma, uye inobhadhara kuvaongorora gore rega roga.
Mukuwedzera, muganhu wemiganhu unogona kuchinja gore negore. Kwegore remitero 2017:
- Vaya makumi mashanu nevanopfuura vanogona kuisa pamwe chete mari inosvika $ 6 500 mumitemo yavo yeRoth IRAs.
- Vaya 49 nevechidiki vanogona kuisa mari yakawanda ye $ 5 500 mumatare avo eRoth IRAs.
Iyi miganhu haishandisi kumipiro yerollover kana kuti kubhadharwa kwemari.
Zvisinei, iwe unogona kusakwanisa kukwevera zvinhu zvose zvaunoita kune imwe tsika yeIRA.
Kana iwe uchishanda nekambani inopa kambani yekushandira mari yebasa , yakadai se 401 (k) kana 403 (b), unosangana nemimwe mitero yekuwana kubhadhara michero yako yeIRA. Izvi ndezvechokwadi pasinei nokuti iwe unonyatsosarudza kupinda muchikwata chekugara basa.
Kwegore remutero 2017, avo vakafuridzirwa hurongwa hwekushandira basa pavanoshanda uye vachiita sevasina kuroorwa kana kuti mukuru weimba vachiita $ 62 000 kana vashoma vanokodzera kutora chikwereti chakazara, asi avo vanoisa sevakaroorana vachibatana pamwe chete kana sechirikadzi yakakodzera (er) nekuita $ 99,000 kana vashoma vanokodzera kubhadhara zvakakwana. Kana iwe wakaroorana uchidana pamwe chete uye wako wako akafukidzwa nechirongwa chebasa asi iwe hausi, iwe unogona kutora mari yakazara kana iwe ukaita $ 184,000 kana pasi.
Kudzingwa kunodzingwa kubva ipapo sezvo mari inokwira.
Vaya vakaroora kuisa zvikamu zvakasiyana vari pasi pemitemo yakawanda yemitemo, kunyange zvazvo ani zvake akaparadzaniswa uye akararama ari oga kwegore rese anotorwa seasina imwe ne IRS nokuda kwezvinangwa izvi.
Kune rumwe rutivi, kana iwe kana mudzimai wako musingakwanisi kuita chikamu chebasa rekugara basa, ipapo iwe unogona kuita mitsva yeRARA yakaderedza chero bedzi iwe (kana mudzimai wako) wakagamuchira mari, pasinei nemari.
Roth IRA senzira
Vanhu vazhinji vane mari yepamusoro pemiganhu yeRRA inowanikwa nguva dzose inogona kunge ichikwanisa kupiwa mupiro weRoth IRA, uyo ane zvikwereti zvakanyanya zvakapetwa nemari (ona 2017 Roth IRA Mitsara yemari ).
Kana izvi zviri izvo kwamuri, zvinowanzova zvine musoro kusarudza mupiro weRoth IRA pamusoro peIRA isina kubviswa .
Mushure mokunge, kana mupiro usina kubviswa, neIRA yenguva dzose mupiro unowedzera hutere-hunoderedzwa asi mupiro weRoth IRA unokura musingabhadhara mutero .