Dzidza Kuti Unogona Kuponesa Zvakawanda Sei muSeP IRA muna 2018
SEP IRAs inopa kukwanisa kuita mitsva inobhadhara mitero uye mari inowedzera kukura mitero.
Mipiro kune SEP inobatwa seyendarama yeIRA yefa uye semugumisiro inotungamirirwa nemitemo yakawanda yakafanana neyendabuko yeIRAs. SEP IRAs inopa mari inogadziriswa kubva kune rimwe gore kuenda kune imwe iyo inofadzawo. Kana bhizimusi rako riri kuita gore remakore, iwe unogona kutora mukana wemiganhu yakakwirira yemipiro. Kana iri gore rakaoma, unogona kunyange kusarudza kusaita mipiro mune chero gore rakapiwa.
SEP IRA Contribution Limitengo muna 2018
Chimwe chezvinhu zvinonakidza zvikuru zveSeP IRAs ndiyo mirefu yakakura yemipiro. Mipiro yose yeSeP IRA inoonekwa sevashandi michero. Kana ukasarudza kugadzira SEP IRA, iwe unogona kupa zvikamu zvinosvika makumi maviri nezana zvezana zvemari yako yegore roga roga kana 20% yemari yako yakagadzirirwa gore roga roga rokushanda. SEP IRA mipiro haigone kudarika mari yakawanda $ 55,000 muna 2018. Iri mari inowedzera kuwedzera kubva kumiganhu ye 2017 yemiganhu ($ 54,000) uye ichava pasi pezvinodhura zvinoshandiswa pakugadzirisa mararamiro.
Zvichienderana nemari yako chaiyo, muganhu weSeP IRA muganhu unogona kuva wakakura kudarika Individual Retirement Account (IRA) mamiriyoni e $ 5 500 muna 2017 uye 2018 ($ 6,500 kwemakore makumi mashanu kana kupfuura). Edzawo kuenzanisa SEP IRA miganhu kune 401 (k) muganhu wevashandi kune $ 18 500 muna 2018 ($ 24,500 kwemakore makumi mashanu kana kupfuura).
Kusiyana neIRAs uye 401k, SEP IRAs haisi kupa chero zvigadziro zvekubata. Asi nhau dzakanaka ndeyokuti miganhu yemipiro yakatova yakakura chaizvo.
Kuverenga Nhamba Yenyu Yakagadziriswa Yokuzvipira Kuwana Mari
Vanhu vazhinji vanozvishanda vanoziva kuti zvakaoma sei zvinogona kuva kunzwisisa mutero wemutero wemari. Kuverenga kuti iwe unogona kuwedzera sei kune SEP IRA inoda chimiro chakakosha. Iwe unogona kuverenga mambure ako akachinjwa mari yako yekuzvimirira nekugadzirisa mari yako yakawanda uye ozobvisa bhizimusi mari (kusanganisira mipiro yako yeSeP IRA). Chiito chekupedzisira ndechokubvisa hafu yemutero wako wekushanda.
Vanguard inopa chidimbu chekubatsira kukubatsira kuona zvipo zvako zvakakwana kune SEP IRA. Zvisinei, zvinokurudzirwa kubvunzurudza mutungamiri wemutero wezvemitambo kana iwe une mibvunzo yakawedzera pamusoro pekuti iwe unogona sei kugovera kune SEP IRA.
Maererano ne IRS, iwe unogona kuita mitsva yeRARA-yeRA inotora mutero-deductible mutsika kana chirongwa chako chichibvumira zvisiri kupa SEP. Zvisinei, kukwanisa kubvisa zvipo izvi zvingagarikana nekuda kwekuita muSEP (ona mitsara yeIRA yemiganhu ye 2017 ).
Pepa IEP yeIAP ye 2018
SEP IRAs inopa mukana wekupedzisira wekubhadhara mutero mukana wokuderedza mitero yako yemutero semuridzi webhizimisi.
Kana iwe uri wekushanda iwe pachako kana kuti une bhizinesi duku, SEP IRA inofanira kusimbiswa nekambani yako yekutumira mutsara wekutsvaga (pamwe chete kana zvakapetwa) kwegore rekubhadhara rinoitwa chipo chekufanirwa. Semuenzaniso, mutero wokutora mutsetse wekutsvaga kwevatengesi vakawanda nevadzimai vemabhizimisi maduku egore ra2018, musi waApril 15, 2019. Kukumbira kuwedzerwa kunowedzera mutero wekutora misi yakatarwa kusvikira musi waOctober 15, 2019. Zvakakosha kuyeuka kuti kuisa kuwedzerwa hakuiti kwete kupa chikwata chekubhadhara chero mitero iyo ichazopedzisira yakakodzera.
Uri kutarisa SEP IRA miganhu yegore ra2017 ritero here? Purogiramu yePEP IRA inogona kuitirwa gore rakapera kusvikira mutero unonyora musi weApril 17, 2018. Kudhinda kuwedzerwa kuchakubvumira kunonoka kutumira mutero kunosvika Gumiguru 17, 2018. Uchave uine nguva yekugadzira SEP IRA uye uite sePP IRA mupiro kusvikira mutero uri kutora nguva yakatarwa.
Iva nechokwadi chekuzivisa IRA munyori wekodhi kuti ave nekodhi yemupiro wegore rakapera (2017) kana iwe uri chinangwa chako.
Iwe unofarira humwe ruzivo pamusoro pekuti iwe unogona sei kuchengetedza kubhadhara somunhu ari oga kana mudiki webhizimisi? Kune dzimwe zvirongwa zvekurasikirwa kwemabhizimisi maduku uye vanhu vanozvishanda, saSIMPLE IRAs , mumwe nomumwe kana solo 401 (k) s, Keoghs, kana kunyange 401 (k) s yemabhizimisi maduku. Zvinonzwisisika kuzvienzanisa zvose usati wasarudza kuti ndeipi yakakunakira iwe.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.