Izvo zvakanakisisa zvezvinhu zvose zviri zviviri: mutero unoderedzwa kukura uye kupiwa kwemitero kusina
Non-deductible IRA zvidzidzo
IRA isina kubhadhara ine miganhu yemiganho yakafanana uye inoteererwa nemitemo yakafanana neyeRood Traditional - musiyano ndeyekuti mupiro unobatwa sei pamutero wako wekudzokera.
Iwe unogona kuita zvipo zveRRA zvisingabhadharwi kune imwe yeARA account iyo inopa mari inobviswa , zvisinei, nokuda kwezvinangwa zvekutevera. Ndinokukurudzira kuti uzarure nhoroondo yakasiyana yezvipo zvose zvisingabhadharwi.
Nekudzoka kwako kwemitero, iwe uchada kuisa fomu 8606 apo iwe unoshuma muwandu wepurogiramu yako yeIRA yakanga isiri iyo yakabviswa. Izvi zvinonzi chikonzero chako.
Rimwe remashandisirwo anobudirira e-non-deductible IRAs ndeyevanowana mari yakawanda. Vanowana mari yakakwirira vanogona kushandisa zvisiri izvo zvinotambirwa IRAs kuti zvive neRoth IRA.
Kushandisa Non-Deductible IRA Contribution kuti ipe Rubatsiro kuRoth IRA
Kune avo vanowana mari yakakwana kuti vasakodzero yekuita mupiro weRoth IRA, vanogona kuramba vachipa mari kuRoth IRA nenzira yepota-a-bout. Gore rega roga iwe unogona kuita mupiro weIRA usina kukonzerwa uye unoshandura iyo isina-deductible IRA kune Roth. Iwe unogona kuchinja yako isina-deductible IRA kune Roth mugore irorochete iwe unoita mupiro.
Paunoshandura IRA kuenda kuRoth IRA, iwe unobhadhara mitero pane chero chiyero chinoshandurwa chiri pamusoro pezvikonzero zvako. Kana uine dzimwe nhoroondo dzeIRA, nheyo yako inofanira kuverengwa kuburikidza ne pro-rata formula.
Somuenzaniso, ngatiti iwe une $ 11,000 mune imwe tsika yeIRA, uye iwe unopa $ 5,500 mupiro pane imwe nhoroondo yeIRA seusina kukwana IRA.
Iwe zvino une mari yose ye $ 16,500 muIRAs, 1/3 yaro haina kusarudzwa, imwe 2 / 3rds zvipo zvekudya zvakasikwa.
Zvingava zvakanaka kana iwe ukangogona kuchinja chete iyo isina-deductible IRA chikamu, zvisinei, IRS inotarisa zvose yako IRA zvinyorwa zvakabatanidzwa - naizvozvo kana ukashandura $ 5 500 chete, chikamu chetatu chemari yakashandurwa (inenge madhora 1,815) ichaonekwa sechikonzero uye imwe yezvikamu zvitatu (inenge madhora 3,685) ichaonekwa sekubhadhara mari yegore rekutendeuka. (Cherechedza: Iyi mutero wekutsinhanisa Roth ichava mutengo muduku wekubhadhara kana zvikwereti zvako zvichiita basa rako uye kukura usingaregi mutero kwemakore mazhinji mukati meRoth IRA yako.)
Nzira Yokudzivisa nayo Pro-Rata Basis Rule
Mutongi we-pro-rata foundation haubatsiri kana iwe uine mari yako yose yekurega mari mu 401 (k) hurongwa - ipapo gore roga roga iwe unopa mari yeIRA isina kubhadhara, uchifunga kuti iwe unobva watendeukira kuRoth, iyo yakazara kutendeuka kunoonekwa sheyo.
Somuenzaniso, kana iwe uine $ 300 000 mune 401 (k) hurongwa uye hapana muIRA, iwe unokwanisa kubva nekubhadhara iyo isina-deductible IRA, uye kuishandura kuRoth. Shanduko yakashandurwa haisi mari yekutengesa sezvo yakange iri mari yega yega.
Iwe unogona kuvhara zviyero zvekare zveIRA zvakare muurongwa hwebasa , sekuda 401 (k) hurongwa, uchisiya zvikamu zvako zvisiri izvo zvisingabhadharwi IRA kunze kwechirongwa kuitira kuti mune ramangwana unogona kushandisa musuo kumashure Roth shanduro hurongwa usingatyi kubhadharwa nepro-rata basis.
Pamatafomu emitero aidiwa kuti IRS inokumbira zviyero zvekupedzisira kwemakore segore rauri kuisa mutero wekubhadhara (uye fomu 8606), saka iwe unoda kuisa tsika dzeIRAs mu 401 (k) chirongwa gore rapera kushandisa shanduko urongwa gore iroro.
Kana pamagumo ekupedzisira iwe usina mari yakasara muChechi yeIras, SEPs kana SIMPLE (zvichida nokuti dzakapinda muurongwa hwakakodzera) ipapo, izvo zvingakusiya wakasununguka kutendeuka chete iyo yakasara isina-deductible IRA kune Roth. Sezvakataurwa, kufamba ikoko kunonzi backdoor Roth IRA uye inowanzoitwa. Ramangwana kuchinja mutemo wemitero kunogona kutora zano iri kure, asi sezvirizvino, zvakanyatsonaka kuti zviite.
Non-Deductible IRA Mhosva
Chikanganiso chakakurumbira chakaitwa nevasiri-deductible IRAs kukanganwa kupedzisa fomu IRS 8606 pamwe nemutero wako wekudzokera.
Kana iwe wakaita mishandirapire yeIRA isina kubhadhara asi hauna kutaurira nheyo dzako, iwe unogona kuitaura iyo mumishure. Ona nyaya inonzi ndakakanganwa kuisa fomu 8606 kuti uwane mamwe mashoko pamusoro pezvaunofanira kuita.
Chimwe chikanganiso chakakosha ndechokufunga iwe unogona kutora chete michero yako yeARA isingabhadharwi kuRoth. Sezvakakurukurwa pamusoro apa, unofanira kutarisa zvikamu zvako zvose zveIRA account yako paunenge uchitarisa mutero wemutero unokwereta kana iwe uchitendeukira kuRoth.