Tsvaga Kuti Unogona Kuita Zvakawanda Sei muSeP IRAs Mutore Wegore 2013
SEP IRAs, zvichida inozivikanwa seyoyo yakajeka yevashandi penhepfenyuro yega yega yekubvisa mari, inobhadhara mari dzekambani dzevaduku-kana vadzidzisi vemabhizimisi. Vanopa miganhu yakakwirira yepamupi pane vazhinji vashandi vekurasikirwa-uye iyo maximums yakanyanya kunyanya muna 2013.
Kana uri kutora mitero muna 2013, tarisa SEP IRA miganhu yemutero wegore 2012.
SEP IRA Mitemo Yemiganhu 2013
Iwe unogona kuwedzera kusvika ku25% yemari yako yose kana 20% yemari yako yakagadziridzwa gore negore ku SEP IRA, kusvika pamiganhu ye $ 51,000 mugore rekutere 2013.
Izvi zvinenge kaviri muganhu we 401 (k) vatengesi. Muna 2013, iwe unogona kuisa $ 17 500 mu 401 (k) kana 403 (b). Isa mune imwe $ 5 500 kana uine makore makumi mashanu kana kupfuura uye uwane chikamu chekubata. Hapana zvipo zvekubatanidza ne SEP IRA. Kunyange zvakadaro SEP inopa zvakawanda zvakawanda zvekuchengetedza mari.
Asi kunyange kana iwe usingadi kubvisa izvozvi, SEP IRA inogona kuva chirongwa chikuru kwauri. Kana iwe ukawana chikamu chekuwana nguva yakawanda pamusoro pebasa rako renguva yakazara, unogona kugovera kune zvose SEP uye 401 (k) panguva imwe chete. Iwe unotora kubhadhara kweSeP IRA semusoro wekuderedza mutsetse, zvinoreva kunyange kana iwe usingatemi kuti unogona kutora SEP yako. Iwe haufaniri kuisa mari muSEP yako gore negore. Saka pane apo paunenge uchida, asi hapana zvipo zvinodiwa kana iwe usingaiti.
SePI IRA Inoshanda Sei?
Munzira dzakawanda, SEP IRA yakafanana nedzimwewo IRA kana 401 (k) hurongwa . Mari inowanikwa mu SEP IRA inogona kuiswa mubhadharo-inoderedzwa kusvikira yarega kubhadhara, kutanga mushure mezera remakore 59 1/2 uye mushure mezera remakore 70 1/2.
Kana mari yacho ichibviswa asati ava nemakore 59 1/2, inotarirwa kune 10% yemhosva yemari pamwe chete nemitero yemari.
Ndeipi Unogona Kuzarura SEP IRA?
Iwe unogona nyore nyore kuzarura SEP IRA usati waisa mitsara yako, uye wotora kuderedzwa kwegore iroro remutero. Izvi zvinoreva kuti iwe unogona kuita mupiro we2015 kune SEP IRA kusvikira musi waApril 15, 2014, kana kunyange kusvika musi waOctober 15, 2014, kana kuwedzerwa kwaiswa.
Iwe unogona kuisa mari muSEP yako mwedzi mumwe nomumwe, wega wega kana kamwe kamwe pagore. Inowanzoitika kwauri. Kuwana mari yako yakagadziriswa pabasa rako, tora mari yako yakawanda, kubvisa mari yebhizimisi (iyi inonyengera: Mipiro yeSeP IRA inhengo yezvinhu izvi zvinodhura) uye kubvisa hafu yemutero wekuzvitsvaga.
SEP IRA Mipiro yeVashandiKana uine vashandi, SEP IRA inowana zvishoma zvakaoma. Vashandi vanodikanwa kupa mari yakaenzana yemari yevashandi vose. Saka kana ukasarudza SEP nekuda kwezvikwereti zvakakosha zvekupa uye kupa 20% yemari yako, vashandi vako vanofanira kuita zvakafanana. (Vashandi vari pano vanobatanidza avo vanopfuura 21, avo vakaita mari inodarika $ 550 muna 2013, uye vakashanda kwamuri kwemakore matatu akatevedzana mumakore mashanu apfuura-kunyange pane zvimwe zvingabvumirwa kune nhengo dzevamwe.)
Saka iwe unofanirwa kugovera kune SEP IRA here? Izvo zvinoenderana nebhizimisi rako. Ndiyo imwe yevashandi vanoita basa rekushandira mari yakawanda kana iwe uine bhizimusi rega, kana kuita chibvumirano kana kubvunza basa. Sezvo bhizimisi rako richiwana zvakaoma, SEP inogona kuva yakaoma zvakare.
Akabatana:
SIMPLE IRA Zvikwereti 2012
SIMPLE IRA miganhu 2013
Kuzvipira Kuzvipira Purogiramu Yekubvisa Muganhu Zvipo 2013
Kuzivisa: Zviri papeji ino inochengeterwa ruzivo uye zvinokurukurwa chete, uye hazvifaniri kunge zvisizvo bedzi zvezvisarudzo zvako zvekutsvaga kana kutora mitero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.