Iwe unosvikira zuva rekutere muna April we 2018 kuti uite mutero wako we 2017 weIRA Kana iwe uchida kushandisa zvinyorwa izvi zvegore razvino rekutsvaga mutero, asi kana iwe usati warova muganhu wako wegore negore , haugoni kudzokera shure nguva uye mubhadhare mari yawakasipo.
Maitiro eIrasi yeChechi inoshanda sei
Kuzarura, kubhadhara mari, uye kubata IRA pane nguva yakajeka; Heino kufamba kwematanho:
Vhura mutsika yeRA kuburikidza nekambani yekutengeserana , mutual fund kambani, bhengi, kana imwe nzvimbo yezvemari, imwe neimwe ichave ine zvigadzirwa zvayo.
Ipa mari kune tsika dzeIRA, uye tora kubhadhara mutero kwemuwandu waunoisa. Yeuka kuti miganhu yakaoma iripo pane mari yaunogona kuwedzera kune imwe tsika yeIRA mune chero ipi zvayo yemutero wegore.
Kana ukangobhadhara mari yako yekare yeRAI, shandisa mari yacho kuisa mumatokisi , zvibvumirano , mutengo wemari , kutenga dzimba , kana kuti zvimwe zvinhu zvakawanda. Kana ukazarura tsika yeIRA kubhengi rako rekumusha, vangangokubvumira kutenga zvivimbiso zveDICIC zvakachengetwa zvekuisa. Kana iwe uchienda nekambani yekwereti, vanozokubvumira kutenga zvinhu zvakasiyana-siyana kubva ku -blue-chip stocks kuti uenzanise mari .
Pakati pemakore kana makumi emakore mauri kuchengeta zvinhu mumutambo wenyu wekare weIRA, mari yenyu yekubvisa mari inokura musero. Kana iwe uine $ 1 000 000 anokosha emafuta uye mabhangi emabhangi anokubhadhara $ 40,000 pagore muine chikamu chemari, pasi pemamiriro ezvinhu ose, iwe hauchazobhadhara penny muhurumende, yega, kana yehurumende mitero. Mamwe mashomanana ekune dzimwe nyika asingabhadhara mitero pamabhadharo kana vasina chikamu chekubhadhara mutero neUnited States, saka chenjerera paunowana dzimba dzepasi rose mumutambo weIRA.
Nguva ipi neipi mushure memakore makumi mashanu nemashanu, iwe unogona kutanga kutora kubva kune yako yekare yeIRA. Kubvisa mari chero ipi zvayo yapfuura kunokonzera chirango che10% kunze kwekunge iwe uchinge uchinge unosangana neimwe ye IRS 'kuregererwa . Paunotora mari kunze kwekambani, iwe uchataurira iyo pamitero yako semari yenguva dzose. Iwe uchabhadhara mitero pazvibvumirano izvi, izvo zvinoshumira semari yaunogara kune hupenyu hwako hwose.
Kana uchinge warova makore makumi manomwe nemashanu, haungakwanisi kugovera mamwe mari, uye mirairo ye IRS kuti iwe utore Inotarisirwa Minimum Distribution Yakadikanwa (RMD) kubva kubhuku rako, kana iwe uchawana chirango chakaoma chema50 muzana mari yaunofanirwa kubvisa.
Zvipo Zvikuru Kubhadhara kuIra Yezvemitambo Yegore ReMutero 2017
Muganhu weIRA werudzi rwegore rekutere 2017 unobva pazera rako uye unoshanda kune yako tsika yeIRA uye chero Roth IRA iwewo. I IRS inotarisa mupiro wako wose kune IRAs yose kana uchisimudzira mirefu mikuru yemipiro. Kana ukangosvika makore makumi mashanu kana kupfuura, unogona kuisa pfumbamwe mari yakawanda sechikwata che "catch-up" chingaita mari yako mumakore usati wasimuka. Kana iwe uri makore makumi mana nemakumi mashanu kana anoduku, unogona kupa chikamu kusvika pamadhora mazana mashanu kusvika kune mazana maviri kusvika kuIRA nenyaya dze 2017.
Kana uine makore makumi mashanu kana kupfuura, unogona kuwedzera kusvika pamadhora mazana matanhatu kusvika kune mazana matanhatu emazana eIRA
Vakaroora vakaroorana vanogona kuva neIRA yavo chaiyo yekare kuti vawedzere mari yavanogona kuchengetedza nzvimbo yekugara. Somuenzaniso, kana murume ane makore 52 akaroorwa nemukadzi ane makore 48, vanogona kuisa pamabhatiro emadhora gumi nemaviri, uye $ 6 500 inopinda muIRA yake uye $ 5 500 inopinda maIRA. Kana mumwe wevakaroorana asingashandisi, IRA inotendera kuti murume kana mudzimai ave kugara kumusha kuti aite mari yeIRA achishandisa mari yemhuri kuitira kuti arege kutora mvumo yekugadzira mvumo.
Unogona Kunyora Kunyorera Miti yeIra Mipiro Yakagadzirirwa Mutero Gore 2017?
Mune zviitiko zvizhinji, mupiro wenyu wekare weIRA unoderedzwa pamutero wako wekubhadhara. Izvi zvinokubvumira kuderedza mutero wako wekubhadhara uye unokukurudzira kuti uchengetedze kubhadhara. Mireji ekubhadhara mari yekuderedza mupiro wako unobva pane kana iwe hauna kuvharwa neurongwa hwekurega basa kubasa.
IRS inosarudza mari yako yekodzero yekodzero yeIRA uchishandisa fomu yakashandurwa yemari yako yakashandurwa yakawanda. Izvi zvakasiyana nezvakawanda zvakagadziridzwa mari yakawandisa iwe unoyera pamutero wako wekudzokera. Inosanganisira kubvisa zvimwe zvekuwana mari, zvakadai sekuchengetwa kwechibvumirano chekuchengetedza, uye kubvisa chikwereti chakadai chechikwereti chevadzidzi. IRS bhuku 590-A (2017) inotsanangura kuverenga kwechigadziriswa mari yakawanda yakagadziriswa zvakadzama. Kana iwe uchifunga kuti uri pedyo nemimwe yemiganhu yekuwana kubhadhara, taura neAcentant nokuti iwe unogona kunge wakaita zvakanaka kana iwe ukashandisa kuchinja kwawakaita mari yako yakawanda.
Mitemo yokutsvaga vatengesi vasingawanikwi nepurogiramu yekubvisa basa kumabasa avo, akadai se 401 (k) kana 403 (b) mugore rekutere 2017:
Mumwe chete, Musoro weMhuri, kana Chirikadzi Yekufanirwa (er) : Hapana muganhu wekutora mutero zvichienderana nekugadziriswa kwakaitwa mari yakawanda. Iwe unogona kutora zvipo zvose kusvika pamari yemugove wako wemiganhu.
Vakaroorana Vanoungana pamwe chete kana kuti vakasiyana nemumwe wawakaroorana naye asiwo asina kubvumidzwa neChirongwa chekurega basa paKushanda: Hapana muganhu wekutora mutero zvichienderana nekugadziriswa kwemari yakawanda. Iwe unogona kutora zvipo zvose kusvika pamari yemugove wako wemiganhu.
Vakaroorana Vanowedzera pamwe chete Nomudzimai Uyo Anozadziswa Neurongwa Hwekusarura Pabasa: Kuchinja kwakagadziridzwa mari yakawanda ye $ 186 000 kana kudarika kune kodzero yokuderedza zvakakwana kusvika kuwandu hwemiganhu yako. Pakati pe $ 186,000 uye $ 196,000, mutero unogona kutora unopedzisira uchinge wapera uye uchingoderera kusvika kusvika $ 196 000, panguva iyo, haugoni kutora chero mutero wekubhadhara mutero wepurogiramu yako yeIRA.
Dheuction mitemo yevatengesi vanofukidzwa nepurogiramu yekubvisa basa pamabasa avo, mugore rekutere 2017:
Mumwe chete kana Musoro weimba : Chigadziriswa chakagadziriswa mari inodarika madhora makumi matanhatu nemakumi matatu nemakumi matanhatu kana mashoma kubva kune imwe nyika inokupa mukana wekutora mitsara yose yeARA kusvika kumiganhu yako. Kana iwe uchiwana mari inopfuura $ 62,000 asi pasi pe $ 72,000, unogona kutora chikamu chekutsvaga pamutero wako. Kana iwe ukawana $ 72,000 kana kupfuura, haugoni kutora chero kupi zvako kwekupa mupiro wako weIRA.
Vakaroorana Vanodhonza Chirikadzi Yakakwana Kana Kuti Inokodzera (er): Kuchinja kwakagadziridzwa mari yakawanda ye $ 99 000 kana kudarika kunokupa kodzero yekubvisa mishandirapire yeIRA yose kusvikira pamiganhu yako. Kana iwe uchiwana mari inodarika $ 99,000 asi pasi pe $ 119,000, unogona kuda kubhadhara mutero. Kana iwe ukawana $ 116 000 kana kupfuura, haugoni kutora chero kubhadhara mutero nokuda kwechipo chako chechirongwa cheIRA.
Vakaroorana Vanounganidza Zvimwe: Mari yakashandurwa yakawanda yakaderedzwa inodarika madhora gumi nemazana gumi nemakumi matanhatu inokodzera kuti iwe uwane chikwereti chekubhadhara mutero pamutengo wako wekare weIRA. Mari inosvika $ 10 000 kana kuti inopfuura yega iwe haugone kutora kubviswa kupi zvako.
Muzviitiko zvose izvi, kana iwe ukakanda mitero yako pachako uye iwe hauna kurarama nemumwe wako nguva ipi zvayo mugore rakapera, IRS ichakubvumira kushandisa mitemo "isina kuroora" kuti uone tsika yako yekuderedza kubhadhara mutero weRA.