Retirement Savings Plans

Save for Retirement using Tax-Sheltered Savings Plans

Kuchengetedza kubhadhara basa roga rehupenyu. Kuponesa zvakawanda sezvaunogona iye zvino kuchabhadhara nemitero yakaderera iye zvino, uye mamwe mari ekurasira gare gare. Kune zvipo zvakasiyana-siyana zvemitero-yakachengetedzwa iwe unogona kushandisa kuti uwane mari yekuregera. Chirongwa chimwe nechimwe chine mitemo yakasiyana-siyana yemitemo yekugadzirisa zvinonzi mari inotora mari inotora mari. Ngatitange nekumhanya pasi kwezvirongwa zvekuita basa rekusarura izvo mutero wese anoda kuziva nezvazvo.

Kuzvipira Kwemunhu Mumwe Nomumwe Ndeye nzira yakanaka yekuchengetedza kubhadhara, uye chero mubhadhari ane mari yaanowana (kubva muhomwe kana kubasa) anogona kubhadhara IRA. Mipiro yako yeIRA inogona kubhadhara mutero. Iko kune tsika (deductible), Roth, uye isiri-deductible IRAs. Izvo zvakakunakira iwe zvinoenderana nemari yako yaunowana, pasinei nokuti iwe wakafukidzwa nechirongwa cheboka rekusununguka pabasa, uye kana iwe uchida kutora mutero ikozvino kana kuti mari isina mutero mukutora basa.

• Deductible Traditional IRAs
• Roth IRAs
• Tsika neRoth IRAs
• IRA Contribution Limitengo ye 2013

Vashandi vanowanzopa 401 (k) zvirongwa zvekuchengetedza sekubatsira kune vashandi. Vadzidzi vanogona kuchengetedza kusvika ku $ 18,000 pagore muzvipo zvekubhadhara mitero. Dhora roga roga iwe unobatsira kuderedza mari yako inotengesa, zvichidaro zvichideredza mitero yako. (Muganhu uri $ 24,000 pagore kana iwe uri nemakore makumi mashanu kana kupfuura.) Mudzidzisi anowanzopa mari yakaenzana, kubatsira vashandi kukura nekuchengetedza mari yavo nokukurumidza.

Kubvisa kunze kwako 401 (k) inofamba-danho huru yekuona kuti uri kuponesa zvakakwana kuti usiye.

• Tanga ku 401 (k) Zvirongwa
• Roth 401 (k) muIRA
• 401 (k) Muganhu wemiganhu