Isangano reSeP IRA retirement retare yebhizimisi rako here?
Ndiani Angave Aida Kugadzira Sep?
Mari yakawanda inogamuchira munhu akazvishandira pasina vashandi vangafunga kugadzirisa SEP IRA kuti iremekedze mari, ichengetedze kubhadhara, uye kuchengetedza mari pamitero. Kune vashandi vasingashandi vasina vashandi, chokutanga, enzanisa SEP kune Mumwechete 401 (k) uronga kugadzirisa chirongwa chakanakirei iwe.
Iyo Mumwe 401 (k) inogona kukubvumira kuti uchinje pakati peRoth 401 (k) (mushure mekuteresa) uye kazhinji 401 (k) (kubhadhara mutero) kubva pamutero wako wemitero. Sangano reSeP rinogamuchira chibharo chekutanga .
Anoshandira uyo anoda kupa vashandi vakavimbika angatora sePP sechinhu chinopfurikidza nechirongwa chekugovana zvekugovana. Sangano reSeP richava nechepamusoro yekubhadhara mari, kuderedza mari, uye kuva nehana yakawanda.
Iwe Unogona Kupa Mari Yakawanda Sei kune SEP?
Iwe unogona kuwedzera kusvika ku25% yemari yako yaunowana (iyi inowanikwa mumatare mushure mekubhadhara mari yebhizimisi) nemupiro wepamusoro we $ 54,000 muna 2017 ($ 53,000 zvegore ra2015 ne2016).
Ndezvipi Zvakawanda Zvaunofanira Kupa Vashandi?
Iwe unofanirwa kupa zvikamu zvakafanana zvekuwana kune vashandi vako sezvaunozviita iwe pachako. Semuenzaniso, kana iwe uchipa 20% yeunofanirwa kubhadhara chirongwa ichi iwe unofanirwa kupawo mupiro kune umwe neumwe anokwanisa kubhadharwa muhuwandu hwe20% hwehutano hwavo hwakakodzera.
Vashandi vakakodzera kupa zvipo kana:
- Vakakushandira imi matatu kubva mumakore mashanu apfuura
- Zviwanire kudarika $ 600 pagore muna 2015, 2016, uye 2017 ($ 550 muna 2014)
- Vane makore 21 kana kupfuura
Iwe unosvikira mutero wako wekutsvaga mutero nekuwedzerwa kuti upe zvipo kune SEP yako yegore rapfuura. I IRS ine chikamu chikuru che SEP IRAs inosanganisira mimwe mitemo.
Iwe Unogadzira Sei SEP?
Iwe unogadzira SEP nekuita chibvumirano chakanyorwa, kugadzirisa SEP nekodzero yezvemari (yakadai sebhangi, mutual fund company, firm brokerage kana kuburikidza nemudzidzisi wezvemari) uye kuzarura SEP IRA kune umwe neumwe akakodzera.
Iwe unofanirwa kuzivisa vashandi kuti iwe wakagadzira hurongwa uye unovaudza kuti vazive zvinotenderwa.
Mukuwedzera kune chero zvipo zvevashandi, vashandi vanogona kuita zvipo zvavo zveIRA nguva dzose kune SEP yavo IRA. Kusunungurwa kwemupiro wavo weIRA kunoenderana nemitemo yakakwana yeIRA yokubvisa, zvichienderana nemari yavo yakawanda uye kuti inobatanidzwa muurongwa hunobhadharwa nevashandirwi. Sangano reSeP rinotarisa seurongwa hunobhadharwa.
SEP Kugadzikana uye Kubatsira
- Vashandi havakwanisi kupa mitezo gore rega rega, uye mupiro wemugove sepakati yemari inowanikwa inogona kuchinja gore negore.
- Hapana mimwe mitero yemitero inodiwa. Uine 401 (k) kuronga fomu yegore gore re 5500 inofanira kuiswa. Izvi hazvidikanwi kune SEP.
- Mushandi anosarudza sangano rezvemari rinochengetedza nyaya dze SEP, asi mushandi wega wega ane basa rekuzvisarudzira mairimari ake mukati memabhuku. Ichi ndicho chakanaka kumushandirwi sezvo mushandirwi haasi iye anokonzera kutyara kwepasi.
SEP Kukanganisika
- Vashandi vari 100% vakapiwa mupiro yevashandi kana vaitwa. Hapana purogiramu yekuzvigadzirira ingabatanidzwa kune zvipo zvepa SEP. Kana mushandi achibva musi iwoyo mushure mokunge mupiro waitwa, ndeavo. Mukuwedzera, kana vakasiya chikamu-kubva mugore rose, kana iwe ukapa mupiro wegore iroro rekarenda, unofanira kugovera mupiro wavo zvichienderana nemari yekufanirwa kubhadharwa kwavakawana kusvika panguva yavakasiya.
- Iwe unofanirwa kuita mimwe yemugove wezvikamu zvevashandi vose vakakodzera. Mune chirongwa chekugovana-kugoverana, iwe unogona kuisa vashandi muzvikwata uye unokwanisa kukwanisa kugovera mupiro wakasiyana wemapoka akasiyana.