SIMPLE IRA Inoronga Vadzidzisi Vaduku Nevashandirwi

Nhanganyaya kuIse Simple IRA Plan

Izwi rokuti "SIMPLE IRA" inonyanya kushandiswa kune Savings Incentive Match Plan yeVashandi Individual Retirement Account. Iyo yakagadzirirwa kuva yakanyanya kutengesa kuchengetedza kupfuura dzimwe zvirongwa zvekurega basa. Maererano neshoko re IRS panyaya iyi, "Pasi peurongwa huri nyore IRA, vashandi nevashandirwi vanopa michero kumagariro evanhu vemazuva ose ekurasikirwa (IRAs) yakagadzirirwa vashandi (kusanganisira vanhu vanozvishanda), zvichienderana nemimwe miganhu." The Simple IRA inofananidzirwa sekutanga-up retirement plan chirongwa chevashandi vaduku vasingashandisi mari yekubvisa mari yakadai se 401 (k) chirongwa kana 403 (b) chirongwa .

Pfungwa huru yeurongwa hweIndonesia IRA ndeiyi: muparidzi anosimbisa mumwe wekodhedha yeIra account kune mumwe wevashandi vake. Zvose iye nevashandi vanogona kupa zvikamu kune izvi, kubhadhara mitero pamwe chete panguva yechipo uye nekudzorera mitero inenge ichikweretwa pane zvikwereti zvakagadziriswa pfuma iri mubhuku. Vashandi vane 100% vakagadzirirwa pakarepo muAlex Simple IRA, zvinoreva kuti kana vakasiya basa ravo, vanogona kutora mari yacho navo.

Zvinoda Kuvaka IRA Yakajeka

Kune vashandi vekugadzira hurongwa hweLisra IRA, vanowanzodikanwa kusangana nemamiriro matatu:

1. Iye zvino vane 100 kana vashomanana vashandi
2. Ziva imwe chete kana miviri miviri
3. Ikoko hakugoni kuva nemamwe mapurogiramu epamberi apa anopiwa

Kubatsirwa kweIra Simple

• Iko mari yekutonga yekugadzira nekuchengetedza hurongwa hweLisra IRA yakaderera zvikuru kune dzimwe nzira

• Purogiramu Yakajeka IRA iri nyore kugadzirisa, kazhinji inoda kungoshevedzwa kune imwe nzvimbo yezvemari kuitira kuti zvinhu zvitange.
• Vashandi vakafukidzwa neIra Simple (RRA) vanogona kugovera kuIndaneti yavo yega Simple IRA kuburikidza nekubvisa nguva dzose kubhadhara. Vachawana kubhadhara mutero uye kuiswa kweiyo mukambani kunogona kukura mitero-yakadzokidzwa kusvikira yarega kubhadhara.

• Mushandi uyo akatanga chirongwa che Simple IRA anogona kusarudza kuti aenzane nemishandiro yevashandi kumakero avo ega Simple IRA kana vanogona kugovera chikwereti chepakati pevashandi vanogona kubhadharwa kune imwe nhoroondo. Kunyanya, mushandi angasarudza kana kuenzanisa mupiro wevashandi vavo idhora-ye-dollar kusvika pa3% yebhadharo kana kuti vanogona kusarudza kugovera nguva dzose, vasinalective 2% kune mumwe nomumwe anoshanda. Kana vakasarudza iyo yekupedzisira, izvo zvinoreva kuti kunyange vashandi vasingagoni kuchengetedza chimwe chinhu kubva pabhadharo yavo pachavo vanofanira kugamuchira 2% mari muIndaneti yavo IRA.
• Mubhii uyo anotsigira hurongwa hweLove IRA kazhinji haafaniri kuisa zvinodiwa ne IRS. Nzvimbo yezvemari iyo inotarisira kuiswa kweZviso IRA inowanzoita basa rose.

Imwe nzira inogona kuitika (kana kuti zvichida rubatsiro zvichienderana nehuzivi hwako) yeIra Simple ikuti vateereri vekambani havagoni kutora zvikwereti maererano nezvinhu zvavo sezvavanokwanisa ne 401 (k) chirongwa .

Zviri nyore IRA Contribution Limitengo

Kune vhizimisi vemabhizimisi vanoda kuchengetedza zvakawanda nokuda kwekurega basa , unogona kuona kuti miviri yeAllis IRA inopa rupo kune imwe yega yekusarudzwa kwekodha. Izvozvo ndezvokuti kambani uye munhu wacho vanogona kugovera, zvinoreva kuti kunyange vanhu vanozvishanda vanogona kubatsirwa nekuti vanogona kutarisana nemugove wavo pachavo, vachivapa kukwanisa kupa zvikamu zvinenge zvakapetwa muzana rekare rekare rekare reIra retirement pension.

Maererano ne IRS, miviri ye Simple Simple IRA inotevera:

Vashandi vanogona kupa $ 12 500 muna 2017. Kana mushandi ari makore makumi mashanu kana kupfuura, vanogona kupa mimwe michero ye "catch-up" ye $ 3,000 pamadhora madhora 15 500 kana ichibvumirwa neurongwa. Uyezve, kana mushandi anobatanidzwa pane imwe hurongwa mukati megore uye ane sarudzo dzekugadzirisa mubhadharo pasi pezvirongwa izvi, mushandi anogona kupa mari yakawanda ye $ 18,000 kudarika zvirongwa zvose.

Vashandi vanogona kupa mari yekudyidzana nemadhora-kusvika-dollar kusvika pa3% yebhadharo kana 2% isinalective mupiro munyaya yevashandi vavo.

Zviri nyore IRA Kubhadhara

Zvinokwanisika kuita kuti Simple IRA irege kubviswa, asi pane zvinokonzera kukanganisa. Kutanga, chero zvese zviri nyore IRA zvinodzingwa zvinosanganiswa mumubhadha webhengi uye vanozviisa pasi pamitero yenguva dzose.

Pamusoro peiyo, kune chekuita 10% yekutanga kutora chirango chakarohwa paIse Simple IRA kuregererwa asati asvika makore 59.5. Mukuwedzera, kana kuregererwa kunoitwa mukati memakore maviri okutanga ekubatanidzwa muurongwa hweIndonesia IRA, mutengo we10% wekutengesa unowedzera kusvika 25%.