Kuwana Rudzi Rwakanaka Rwokuchengetedza Kwemunhu Pamwe Nezvaunoda
Nhepfenyuro Muchidimbu kune Mhando dzakasiyana dzeIRAs
MuUnited States, izwi IRA rinomiririra "rimwe rega rekusununguka kambani." IRA haisi yerudzi rwekutsvaga mari, iyo inyoyo yekodha. Kana iwe ukazarura IRA nekambani yekweretheni , iwe unogona kuisa mari muIRA yako uye kushandisa iyo mari kuti iite mumatokisi , zvisungo , mutual funds , zvivako zvekugara , nedzimwe dzimba dzepafasi.
Kune marudzi akasiyana-siyana eIRAs, rimwe nerimwe rine zvaro zvaro zvakasiyana, zvinoshandiswa, mitero yemitero, uye quirks. Izvo zvikomborero zvakanyanya kufadza; Congress yaida kuvachengetedza varombo uye pakati peboka. Kuti uite zvinangwa izvi, zvinogadzirisa IRA miganhu yemiganhu iyo inogadzirisa mari yakawanda yaunogona kuwedzera kuhwandu gore negore. Kana zvisina kudaro, avo vapfumi vanogona kupfigira mutengo wavo wose mune imwe yezvinyorwa izvi uye vadzivisa mitero zvachose.
Mamwe emhando dzakakurumbira dzeIRA dzinosanganisira:
- Iras yemaitiro : AIrasi yeChechi ndiyo yakakwegura kare. Iwe unopa mari uye unogamuchira kubhadhara mutero. Mari iri munhoroondo yakachengetedzwa kubva pamitero kusvikira iwe uchibvisa, zvichida makumi emakore munguva yemberi. Izvozvo zvinokubvumira kuchengetedza zvikamu zvako, mari inowanikwa, chikwereti chemari, uye zvikwereti pasina kutumira mari kune IRS, zvichiita kuti mari yakawanda inoshanda iwe. Paunotora mari kubva mubhuku, iwe unobhadhara mitero pairi sekunge iri mubhadharo. Izvozvi zvisizvo zvinozivikanwa seIRA kugovera. Kana iwe ukakwira mudendere rako mazai musati mava nemakore 59.5, muchafanira kubhadhara mutero wekutengesa 10% pamusoro peimwe mitero yakakodzera. Iwe unofanira kutanga kutora mari kana wava nemakore makumi manomwe kana kupfuura. Mhemberero yemitemo yeIRA inokwana madhora 5 500 pagore rekutakura 2016. Pashure pacho, inonyorwa kune kutengesa mu $ increments $ 500. Kunyangwe iwe unogona kushandisa zvakanakira kubhadhara mutero kunobva pane yako yakagadziriswa mari yakawanda. Kana iwe uri makore makumi mashanu kana kupfuura, unogona kupa mimwe michero kune IRA kumusoro uye kupfuura mireji. Izvi zvinyorwa zvekare zvinonzi "zvipo zvekutora."
- Roth IRAs : Yakabudiswa muMutemo weRefay Relief Act ya1997, Roth IRA inobatsira zvikuru kupfuura IRA Traditional. Inokubvumira kupa mari asi iwe haungagamuchiri kubhadhara mutero panguva yechipiro. Zvisinei, mari yacho inokura mumabhuku asingabhadhara mutero, uye paunosvika makore 59.5 kana kupfuura, unogona kutanga kutora kubvisa. Chikamu chakanaka? Pasi pemitemo yemazuva ano, iwe hauchazobhadhara penny imwe yemitero pane imwe pfuma inobatwa muRoth IRA yako. Izvo zvinoreva kana iwe ukawana iyo inotevera Starbucks IPO uye ichishandura mari ye $ 100,000 mu $ 7,500,000, zvose hazvina mutero. Mitsara iri paRoth IRA yakafanana kune iyo yeIraja yeChechi; iri $ 5 500 mumutero wegore rekutongwa 2016 uye ichawedzera nehuwandu hwekuwedzera mumadhora mazana mashanu kubva shure. Sezvakaita neIra Traditional, vashandi vemakore makumi mashanu nekure vanogona kuisa mari yakawanda kupfuura vamwe vavo vaduku kuburikidza nekushandisa mibairo yekutora -up . Kunyorera? Iko kune mitsara yemari kuRoth IRA. Haasi munhu wose anogadzirisa. Izvi zvinoshandurwa gore negore saka iva nechokwadi chekutarisa ne IRS.
- SEP-IRA: SEP-IRA inomiririra Simplified Employee Pension Individual Retirement Account. Mitemo yakanyanya kuoma, uye inowanzoshandiswa nevanoshandisa bhizimisi vanozvimiririra vane vashoma kana vashandi vasina. Kune chikamu chikuru, SEP-IRA yezvikepe zvinokwana zvakafanana neChechi yeIra chete nemiganhu yepamusoro yezvipo. Pasi pemamiriro ezvinhu akanaka, uye nepamusoro mari yakakwana ($ 250,000 kusvika ku $ 500,000), vaviri vakaroorana vane bhizimisi rinobudirira vanogona kuita zvipo zvakabatanidzwa zve $ 100 000 kana kupfuura mugore rimwe chete mutero. Mari haigoni kubviswa kare, uye unofanira kutanga kutora mari panguva yaunenge uine makore makumi manomwe.
- Simple IRA : A Simple IRA inoronga hurongwa hwehupfumi hunoshandiswa nevana vakawanda vebhizimisi. Kubva muna 2015, muganhu weIRA uripo $ 12,500, uye avo makumi mashanu kana kupfuura vanogona kupa mari inopfuura $ 3,000, vachiunza mupiro wavo kusvika $ 15 500. Mukutaura kwakaoma kunzwisisa, Simple IRA inowira pane imwe yeChechi neRoth IRA kune rumwe rutivi uye SEP-IRA kune imwe.
Iwe Unogona Kuva Nezvimwe Kupfuura IRA
Iko tsika yeIra uye Roth IRA miganhu yezvipo yakasimbiswa. Izvi zvinoreva kuti iwe unogona kupa $ 5 500 muhuwandu mugore rekutere 2016 kune chero sangano reMutambo IRA uye Roth IRA waunoda, asi iwe haugone kuisa $ 5 500 mune imwe neimwe.
Zvinenge nguva dzose zviri nani kubhadhara Roth IRA kupfuura yeRural IRA kana iwe uchikodzera.
Iwe unogona, zvakadaro, une SEP-IRA kana Simple IRA pamusoro peChechi yeIra kana Roth IRA. Iwe unofanirwa kutaura nemunhu ane mutero wekotora kuti aone miganhu yako yomupiro uye uone huwandu huwandu hwematumba ematero ayo waunokwanisa.