Iwe Unogona Sei Kuisa Mukana Wokurambana IRA muna 2015?
Vakaroorana veIrasi vanowanika kana iwe wakaroorana uye uisa mitsara yemari pamwe chete semurume nemudzimai. Kana uyo akashanda akaroorana achiwana mari yakakwana yekubhadhara IRA, iwe unokodzera kuita kusvika pamubhadharo wegore negore.
Zvichienderana neimba yemari uye mari yawakaroorana nayo inobatsira iye IRA kana 401 (k) kuburikidza nebasa, iwe unogona kukwanisa kupa zvipo kubva muimba yako yose inowanikwa. (Mari 101 inotarisa kuti chero chinhu chinotadzisa mari yako inotengesa chinhu chakanaka.)
2015 Contribution Limits for Spousal IRAs
Mari iyo inogona kugoverwa gore roga roga inochinja makore mashoma mashoma, asi yakaramba yakafanana kubva muna 2013. Muna 2015, iwe unogona kuisa muwanano weIRA i $ 5,500. Vose vane makore makumi mashanu kana kupfuura vanowedzera $ 1 000 muzvipo zvekutora. (Sezvineiwo, miganhu yakafanana inobata zvechokwadi kune tsika dzeIRAs uye Roth IRAs muna 2015.)
2015 Kusagadzikana Mupiro wemiganhu yevakaroorana IRAs
Kunze kwekuunganidza mari yekusungirirwa kwemitero, kubatsirwa kukuru kwekuita mitezo yeIRA yemukati ndiyo inogona kubhadhara mutero wemari. Iyo inoshanda sei zvichienderana nokuti mumwe wako anenge akavharwa kuburikidza neurongwa mubasa.
Kana mumwe wako akavharwa uye imba yako yakashandurwa mari yakawanda (AGI) iri $ 183,000 kana kuti pasi, iwe unokodzera kubhadhara zvakakwana. Kana iwe unogona kutora zvishoma nezvishoma nemari yeimba inenge iri $ 183,000 uye $ 193,000. Kana uyo akashanda naye asingabatsiri chirongwa chekurega basa kuburikidza nebasa, mudzimai wacho anogona kukwevera mari yakazara yemupiro pasinei nemari yeimba.
Kana iwe wakaroora uye iwe ukasarudza zvakasiyana, iwe wakashandurwa unofanirwa kunge uri pasi pe $ 10 000 kuti uwane chikwereti chechikamu.
Kunyange kana iwe usingaiti mishandiro yepamwedzi pamwedzi weIRA yakaroorwa, semudiwa wako anoita 401 (k) kana IRA kubasa, une mukanhu wekuzvipira kusvika pahuwandu usati watora mitero yegore. Izvozvo zvinoreva kana iwe uchienda kunyorera mitero yako munaEpril, unogonawo kuisa muIRA yegore risati rapera mutero.
Edza Roth IRA pane kudaro?
Kana kuderedzwa kusina kukosha, unogona kuzarura murume nemudzimai Roth IRA. Iine mimwe yemupiro wegore negore yaunowanikwa mune imwe tsika yemudzimai IRA, asi pasina kukwanisa kubvisa kudhakwa. Mushure mokunge matarenda emitero apinda muRoth, urongwa hwakagadzirirwa kuitira kuti mari yemberi yeramangwana uye zvipo zvisingatongotori zvakare zvakare.
Kune miganhu kune avo vanogona kutora chikamu muRoth IRA, kubuda pakati pe $ 181,000 ne $ 191,000 mumari inowanikwa muna 2015. Kana mhuri yako ichiwana zvakawanda, hauna kukodzera. Kana iwe uchikodzera, funga kana Roth IRA (kana kutendeukira kuRoth IRA kubva kune rumwe rudzi rweIRA) yakakunakira iwe.
2015 Kuzvishanda IRA Zvikwereti
Chimwe chifungiro ndechekuti, mudzimai asina kushanda akashandisa chero mupiro mugore rapera here?
Vakawanda vanogara kumba kwevabereki, uye vanogara pamusha vanhu vose, vanounza mari kubva kune rumwe rudzi rwebasa rekuzvipira kana bhizinesi rekumba. Kune vanhu ava, kugovera kune rimwe bhizinesi rekushandira basa rekuita basa rinoshamisa rinowedzera huwandu hwekubatsira.
Imari inonzi SEP IRA yakagadzirirwa kuwana mari yekuzvipira. Iwe unogona kuva nechimwe kunyange iwe une 401 (k) chirongwa kana zvimwe IRA. Iwe unogona kupa zvikamu kusvika 25 muzana yemari yaunowana iwe, kusvika kusvika pa $ 53,000 muna 2015.
IRA isingashandisi inoshanda zvakafanana zvakafanana, asi muganhu wemiganhu max out pa $ 12 500 muna 2015. Kana iwe uri nemakore makumi mashanu kana kupfuura iwe unogona kuita mimwe michero yekubatwa ye $ 3,000.
Verenga zvakawanda:
SIMPLE IRA Contribution Limitengo 2015
SEP IRA Mitemo Yemiganhu 2015
Pasinei neurongwa, vasiri nhengo dzemhuri vanofanirwa kutsvaga chirongwa chekurega basa.
Inogona kubatsira kuderedza mitero nhasi uye kubatsira kubata hupenyu hunofadza mberi.
Zvinonzwisisika: Zviri pamusoro pepaiti ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.