Iwe usati waita chero chinhu, simira uye fungisisa zvakare kupinda mukati mako. Mari iyo inogona kuva chinhu chinokosha chemari, asi iwe uchazvionga iwe gare gare kana iwe ukwanisa kusiya mari uga uye kuwana mari kune imwe nzvimbo.
Zvinhu hazvizovi nyore nyore kana iwe wakwegura uye wamira kurega kuwana mari.
IRA Imari Yakabvumirwa Here?
Nha. Internal Revenue Service (IRS) inotonga zvinokurudzira zvaunogona kuita neIRAs, uye izvozvo zvinongobvumira "kugoverwa" kubva kuIRAs. Kugoverwa kunoitika kana iwe ukatora mari kubva panhoroondo yekubvisa mari (pasina kuidzosa nokukurumidza kana kuifambisa zvakananga mune imwe kambani yekubatira), uye kazhinji haigoneki.
Unogona kuwana izvi zvinoshamisa. Vaponesi vakawanda vanotenda kuti vanogona kutora chikwereti kubva kuIRAs. Mune chikamu, kuvhiringidzika kunouya kubva pakuti iwe unogona kukwereta kubva kune dzimwe mhando dzeakabhadharo dzekambani. Somuenzaniso, vamwe 401 (k) zvirongwa zvinobvumira chikwereti. Asi IRAs haiti, uye inowanzogoni kuiswa sechibvumirano paunoshandisa chikwereti.
3 Nzira dzakasiyana dzekukwereta IRA yako
Kana iwe usingagoni kukwereta kubva kuIRA yako, ungaitei? Zvakare, zvakanakisisa kushandisa zvinhu zvisingaenzaniswi nezvekurega basa, kana zvichibvira.
Asi kana uchida mari yacho chero ipi zvayo, unogona kuongorora zvinotevera:
60-day rollover: Unogona kukwanisa kushandisa IRA yako pfuma kwenguva pfupi uchishandisa rollover yemakumi 60. Iwe unofanirwa kutevera zvakasimba mitemo ye IRS, asi iyo nzira inofanana nekanguva chemari yeIRA chikwereti. Cherechedza kuti IRS yakaita kuti urongwa uhwu huve hwakaoma mumakore achangopfuura, saka dzokerazve mitemo kana chiri chimwe chinhu chawakaita munguva yakapfuura.
Zvimwe zvirongwa zvekurega basa: Iwe unogonawo kuva nesarudzo yekukwereta kune zvikwereti pamabasa ekurapa basa rakadai se 401 (k) zvirongwa. Chirongwa chako chinofanira kubvumira chikwereti (kwete ivo vose vanozviita), uye uri kutora njodzi dzakawanda apo iwe unokwereta. Mukuwedzera pakutsvaga mari yako, iwe unofanirwa kubhadhara mitero (uye zvichida chirango) kana iwe usingakwanisi kubhadhara chikwereti. Chimbofunga izvo zvichaitika kana ukashandura mabasa usati wadzorera zvakakwana.
Zvingave zvichikwanisika kutamisa mari kubva kuIRA kusvika mune 401k yako, kuwedzerwa mari yaunogona kukwereta. Shanda nehurumende yako HR, mutori wezvemari, uye muteresi mutungamiri kuti anzwisise zvinobudirira uye zvinotyisa zvegadziriro iyoyo.
Roth IRAs: Roth IRAs inogona kukwanisa kupa mari yaunoda, asi (zvakare), iwe ucharasikirwa pasi pazvinangwa zvako zvekurega basa. NaRoth, iwe unogona kukwanisa kupa mipiro yako kunze usingabvumiri chero mutoro wemitero. Bvunza mutori wako wekutero kana icho chiri chisarudzo kwauri.
Tarisa pane imwe nzvimbo: Kudzivirira kubvisa kwako uye kuderedza mitero yemitero, zvingave zviri nani kukwereta kune imwe nzvimbo. Chikwereti chisina kuchengetedzeka (uko iwe usati waita chimwe chinhu sechibvumirano) chingava zvose zvaunoda. Izvo zvikwereti zvinowanikwa kubva kune vezera-kune-peer zvikwereti zvese , nhengo dzemhuri, uye mabhangi kana zvikwereti zvemari .
Kana iwe ukatanga nokukwereta kubva kune chikwereti chekwereti, iwe unenge uchinge uine sarudzo yekugadzirisa kuchengetedza basa remari gare gare, kana zvichidikanwa. Asi kana iwe uchienda zvakananga kuIRA yako kuti uwane mari, zvinogona kunge zvakaoma kugadzirisa kukanganisa.
Kuzviisa mune Bhizinesi
Kana iwe uchida kushandisa zvayo muIRA yako kuti iwe uise mari mubhizinesi, unogona kukwanisa kuibvisa-asi hazvisi nyore.
Zvechokwadi iwe haungakwereti kubva kuIRA. Panzvimbo pezvo, iwe uchagadzira chikamu, chengetedze pamwe nekuchengetwa kweIRA yako, uye shandisa iyo sangano kutenga kufarira mubhizinesi. Iyo nzira yakaoma zvikuru, uye iwe unofanirwa kukurukura nezano iri neCPA usati wazvipira kune chimwe chinhu.
Ichi hachisi chimwe chinhu chaunogona kuita neIRA yaunofanirwa kuzarura pabhangi yako kana chikwereti chebato. Iwe uchada kushanda nekambani iyo inonyanya kushandisa mukushandisa IRAs kusimudza mune mabhizimisi kana maimba.
Kana iwe ukaenda nenzira iyi, tarisira kubhadhara zvishoma madhora zviuru zvitanhatu kuti ugadzire, uye iwe uchafanira kubhadhara mari yegore zvakare.
Zvechokwadi, zvakakosha chiyeuchidzo pano kuti maitiro ekutanga emabhizimisi anokundikana. Kana ukashandisa IRA yako, unoisa pangozi yekurasikirwa nemari yako pamwe chete nedendere rako dendere. Sezvimwe zvakasiyana, iwe unogona kukodzera kubhadhara zvikwereti zvebhizimisi zvakatsigirwa neU.S. Small Business Administration (SBA). Kutsigirwa kwehurumende kunoita kuti zvive nyore kukwanisa kubhadhara zvikwereti uye unoramba uchikwereta mari shoma.