A SEP-IRA inogona kuva nzira yakanakisisa yekuzvishandira kuti ichengetedze kubhadhara.
Ndiani Angagadzirisa SeP-IRA?
Vose vashandi vanogona kugadzira SEP-IRA, kusanganisira vashandi chete, kubatana, uye mabhizimisi asina kubhadharwa.
Munhu ane mari kubva kubasa rake pachake angaita SEP-IRA, kunyange kana ariwo mushandi kune imwe nzvimbo yakafukidzwa neurongwa hwekugara basa.
Kubatsirwa kweSEP-IRA
Mukuwedzera kune SEP-IRAs nyuchi dzinobatsira seyo nyore-ku-kutevedza imari yekuchengetedza motokari, SEP-IRA inogonawo kupa mutero mukuru wemitero. Mipiro kune SEP-IRA inopa kubhadhara mutero kumunhu anoshandira (kana kuti munhu akazvishandirira) kune gore rekutere kune izvo zvipo zvinosarudzwa.
SEP-IRAs inoshaya gore negore rinodiwa IRS kufungidzira. Sezvo humwe humwe uchapupu hwehupenyu hwavo huri nyore, mapepa anodiwa kuti aise SEP-IRA ishoma.
Nyaya dzinokosha dzeSEP-IRA Dates
Kufanana neIRAs yenguva dzose neRoth IRAs , zvipo kune SEP-IRA zvinogona kuitwa mushure megore iro mupiro unoshanda. Mukuwedzera, sangano reSeP-IRA remazuva ekupedzisira rinogona kuwedzerwa kusvika pakupera kwenguva yakatarwa yakatarwa yemutero wokudzoka.
Nguva yakatarwa yokusika SEP-IRA inonziwo zuva rakakodzera rekubhadhara mutero pamwe nezvose zvakasarudzwa.
Kune vanhu vazhinji, SEP-IRA inofanira kusimbiswa uye zvipo zvakapiwa musi waApril 15 zvichienderana negore mari inowanikwa. Uyezve, vateresi vakawanda vanogona kuwedzera mitero yavo kumitambo kusvika musi waOctober 15 uye nokudaro vanogamuchirawo kuwedzerwa kwenguva yekuumba nekubhadhara SEP-IRAs yavo. Nguva yakatarwa yekuita mupiro weSeP IRA wegore ra2017 yerubato ndiApril 17, 2018 (Gumiguru 15, 2018 ndiyo nguva yekuwedzera ).
SEP-IRA Contribution Mitemo
Pane zvakawanda zvinoshandiswa pakuchinja muhuwandu hwekupa iwe SEP-IRA yako. Pane zvishoma zvisingagoni kuchinja mumunhu waunopa nayo.
Sezvo mupiro wemugove unogona kugadziriswa gore negore, hapana chakadikanwa chekupa mari yegore rimwe nerimwe kana yeperesenti. Mune gore ripi neripi, mari yezvipo inogona kunge yakaita se0% kusvika kune 25% yemaripo (kusvika pamiganhu ye $ 275,000 inokodzera kubhadharwa muna 2018), kunze kwekuti mupiro wose kune mumwe munhu haupfuuri $ 54,000 muna 2017 uye $ 55,000 muna 2018.
Zvichienderana nemari yako chaiyo, muganhu weSeP IRA muganhu unogona kuva mukuru kudarika mipiro yeIRA ye $ 5 500 muna 2017 uye 2018 ($ 6,500 kwemakore makumi mashanu kana kupfuura). Zvinowanzowanzofananidza kuenzanisa SEP IRA miganhu ye 401 (k) muganhu wevashandi kune $ 18 500 ye 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.
Kuti uwane mamwe mashoko pamusoro peSeP mipiro yemipiro yeIRA, ona SEP IRA Limits and Deadlines .
Cherechedza: Mushandi anofanira kugovera mupiro umwechete kune umwe neumwe mushandi ane makore makumi maviri nemaviri, akawana $ 600 kana kupfuura kwegore rakabvunzwa, uye akashanda kumushandi anenge makore matatu emakore akapfuura.
Compensation Calculation
Vanhu vanozvipira vanoda vanoda kuverenga uye zvichida kutenga mari yakagamuchirwa SEP-IRA mupiro inofanirwa kugadzirira imwe musoro-kucheka. Kutanga, izvo zvakambotaurwa 25% muganhu ndeyekushandisa pfuma , kwete mari yakawanda. Zvinonyanya kukosha ndezvokuti kuderedzwa kwehafu yebhasi yebasa rokushanda pamwe chete nekuderedzwa kwepurogiramu yeSeP-IRA pachayo inofanira kubviswa kubva mumatare emutengo wenhamba nekuda kwekuverenga SEM-IRA chikamu.
Heino mupiro unobatsira wokugadzirisa unogona kushandiswa kugadzirisa zvipo zvegore negore kune SEP IRA. Zvisinei, kune nyaya dzinokosha dzemitero yakadai saizvi zvinokurudzirwa kutarisana nemudzidzisi wezvemitero yezvemitero kana une mibvunzo yakawedzera inobata mupiro chaiwo unowanikwa seSeP IRA.
IRS inopa ruzivo rwakakosha rwe SEP IRA related resources pa IRS.gov.
SEP IRAs imwe yezvimwe nzira dzakasiyana dzokuchengetedza mitero kune vadiki vhizimisi vanofunga. Kunzwisisa chirongwa ichi chinokosha chekugara basa chinogona kushandiswa kuderedza mitero nekuvandudza maonero ako ekurega basa.
Yakarongwa naScott Spann