Tsvaga kunze kwe 2017 Vakaroorana IRA Zvikwereti
Maererano ne IRS, zvipo zvakabatanidzwa hazvikwanisi kuva zvinopfuura kubhadharwa kubhadharwa kunotaurwa pamusoro pekudzoka kwako.
Heano humwe humwe humwe humwe huri pamusoro pehuwandu hwemaripo yezvipo kune wawakaroora IRA muna 2017:
Mupiro Mitsara Yevadzimai veIrasi muna 2016
IRA mipiro yemiganhu inogona kuchinja gore roga roga kana maviri nehupfumi. Muna 2017, mhirizhonga yeIRA miganhu inoramba isingashanduki kubva mugore rapfuura. Iwe unogona kuramba uchingobhadhara kusvika ma $ 5 500 kusvika kune wawakaroorana neIRA muna 2017. Mhuri yekuroorana yeIRA inowedzera madhora 6 500 kana uri nemakore makumi mashanu kana kupfuura. Chipo chekuwedzera chiripo nekuda kwechipo chekubata , chakagadzirirwa kubatsira vamwe kuchengetedza zvakawanda sezvavanenge vava pedyo nemakore ekurasikirwa.
Spousal IRA Kurasikirwa Kwakaitwa 2017
Iwe unogona kutora mupiro wako wakazara kumudzimai weIRA muna 2017 kana iwe semudzimai mune mari yakawandisa yemari (AGI) ye $ 186,000 kana pasi. Unogona kutora chikamu chemupiro wako kana AGI yako iri pakati pe $ 186,000 ne $ 196,000 muna 2017.
Kana uyo akashanda naye asina basa rekurega basa rinowanikwa kuburikidza nevanoshandira, mukadzi iyeye anewo mano okukwevera mari yakazara kusvika kumiganhu yemupiro. Zvisinei, zvakakosha kucherechedza kuti kana uyo akashanda naye ane chirongwa chinowanika mubasa, zvakaderedzwa zvezvipo kumakaro eIRA yemukati kunze kweAAGI pakati pe $ 99,000 ne $ 119,000.
Kunyange zvazvo zvinowanzova nyore kuti vanhu vakawanda vaite zvipo nguva dzose gore rose, iwe haufaniri kuita saizvozvo kuti ugare uchishandisa mikana yeIra inobatsira. Iwe unogona kuita imwe yemari yemari mupiro kusvika kusvikira musi chaiwo wekupedzisira kuisa mitero yegore iroro. Somugumisiro wemukana wekukomberedza mutero, iwe unosvikira mutero uri kutumira zuva rekupedzisira musi weChishanu, Kubvumbi 17, 2018, kuti upe rubatsiro kuIra muwanano wegore ra2017. Izvi zvinopa chirongwa chekupedzisira chekuchengetedza mutero uye ndeimwe yenzira shomanana dzokuderedza mitero yegore rapfuura mushure mokunge kupembera kweSvondo Idzva Idzva rapfuura. Muzvokwadi, zvinowanzova nyore kuisa zvipo zveIRA nguva dzose kuti ivimbise kuti mumwe wako asingashandisi ane basa rake rekurega basa chikafu chinowanikwa kubatsira kubatsira kuunza mari kana iwe mose musvika pakubata basa.
Roth IRA inopera 2017
Sekushanda pamwe chete, iwe unogonawo kuisa zvimwe zvepfuma yako kunze kweRoth IRA kuitira rubatsiro rweumwe wako asingashandi. Vakaroorana vakaroorana pamwe chete vakakodzera kupa Roth IRA kana iwe ukaita madhora anodarika $ 196,000. Muganhu weRoth ndiwo $ 5 500 muna 2017 (muganhu wenyu unogona kunge wakaderera kana mari yako yakagadziriswa iri pakati pe $ 186,000 uye $ 196,000).
Chimwe chikomborero chakakura cheRoth IRA ndechokuti mari inobhadharwa inobhadharwa sei mushure mekunge mava nemakore makumi mashanu nemakumi matatu nemashanu uye makasununguka nyaya yeRoth kwemakore mashanu. Kunyange zvazvo pasina huno huripo huripo hwekubhadhara mutero unowanikwa apo iwe unopa mupiro kune Roth IRA, mibairo yako inokura isina mutero uye kazhinji haigoni kubhadharwa zvakare apo inodzingwa pakubhadhara. Mukuwedzera, iwe unogona kugara uchibvisa mari yako yepakutanga pasina mitero kana zvikwereti kubvira apo zvakashandiswa uchishandisa mushure mushure mamiriyoni.
Kune nzira dzakawanda dzakasiyana dzekuratidza kune umwe wako asingashande pamwe chete kuti unokoshesa sei basa ravo. Kuchengetedza kurasikirwa kwavo ndeimwe yenzira idzodzo dzekutaurira shoko iri uye kuwedzera imba yako yese yekuchengetedza mari. Itai kuti varoora IRA uye vabatsire kuumba kuchengetedza zvakachengeteka uye kwakanaka kune imi mose.
2017 Self-Employed IRA Zvikamu
Kana wawakaroorana naye akawana mari shoma kubva kune imwe nzvimbo yekuzvipira kana kubvumirana basa, vanogona kutarisa muIRA inoshanda. Muna 2017, unogona kuwedzera kusvika ku $ 12 500 kuenda ku SIMPLE IRA , uye imwe ye $ 3,000 muzvikwereti zvekubata kana iwe uine makore makumi mashanu kana kupfuura. Kana iwe unogona kuwedzera kusvika ku25% yemari yako yakawanda kana $ 54,000 kusvika ku SEP IRA muna 2017.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kunge iwe pachako huri hwaro chete hwekutsvaga kwako kana kutora musarudzo. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.