Heino Kuti Gore Rino IRA Contribution Deadlines Rinoshanda Sei Mukuda Kwako
Zvichinyatsojeka, tsika dzeIrasi dzinogona kupa vashandi mari kubhadhara mutero pamusati mumiririro wemitero nhasi uye kutengesa-kukonzerwa kukura kwekuuya kwezveramangwana apo Roth IRAs inopa vashandi mukana wekuisa mari mushure mekubhadhara mari munyaya yekodzero yakabhadharwa nemisarudzo isina mutero mu kurega basa. Zvechokwadi, kusiyana uku kunouya nevana vavo mapoka emitemo uye kunyange kutenderwa, iyo inofanirwa kuonekwa paunosarudza kuti IRA yakakunakirai , asi ivo vanogovana chinhu chimwe chete pamwe chete, iyo ndiyo nguva yavo yekugovera nguva.
Gore negore IRA Contribution Deadlines
Iwe unogona kugovera kune yako tsika kana Roth IRA panguva ipi zvayo, zvichiita zvipo zvishomanana zvishoma pamusoro pegore rega kana imwe yemari yemari. Izvozvo zvakati, zvipo zvinorehwa zvichienderana negore rekutere. Zvose uye tsika dzeRoth IRAs dzine mimwe yavo pamigiro yegore negore nemiganhu pamitero yavo-inobatsira zvichitenderera pane zvimwe zvinhu zvakadai semamiriro ekutsvaga uye kushandurwa kwakagadziriswa mari yakawanda .
Sezvo kune zviyero zvemipiro zvegore negore (uye munyaya dzevanhu vedare dzeIRAs dzimwe nguva dzinobhadhara mitero mumutero wemutero umo mupiro unowanikwa), iwe unofanira kusarudza gore rekutere iyo iyo mipiro yako inofanira kuverengwa.
Kuti uite mupiro wegore rimwe chete, iwe unofanira kuzviita nemutero wekutumira mutsara wegore iroro.
Muzviitiko zvizhinji, izvi zvinoreva kuti iwe unofanira kuita chipo chako musi waApril 15 kuti chikwanise kuverengwa semupiro wegore rakapera. Mushure mokunge musi iwoyo, mupiro unofanirwa kuonekwa semugove wegore rino. Izvi zvinoreva kuti vatengesi vechokwadi vane mwedzi gumi nemashanu yekupa IRA yavo gore rimwe chete yemutero. Semuenzaniso, nokuda kwechirongwa cheIRA cha2017, vashandi vekutsvaga vanobva munaJanuary 1, 2017 kusvika munaApril 16, 2018 kuti vaite mari yavo kusvika kumuganhu wegore negore. Izvo zviitiko zvegore negore zvinopihwa zvinoshandiswa pakupa michero yeIRA yemukaro, iyo inobvumira kuti vakaroorana vashande kuti vawedzere mari yeIRA inowedzera panzvimbo yemumwe asingashandi.
Mumakore akawanda gore rekupedzisira rekupa IRA zvipo zvegore rakabhadhara mutero inowanzoitwa April 15 wegore rinotevera. Kwegore ra2018, mutero weIRA wegore negore ndeweApril 17, 2018.
Mipiro Yezvipo zveRitura neRoth IRAs
Murairo weIRA weruzhinji wemiganhu yeIRAs i $ 5,500 pamakore emitero 2017 uye 2018. Zvisinei, kana iwe uine 50 kana kupfuura kusvika pakuguma kwegore, iwe unogona kupa mari inopfuura $ 1 000, nokuda kwe $ 6,500 zvachose mupiro wemiganhu. Iyi miganhu inoshanda kune zvose zvetsika uye Roth IRAs. Kunyangwe iwe uchigona kukodzera kugovera kune zvirongwa zvose izvi, kugoverana kwako pamwe chete kune zvose zvirikwangwani hakwanise kudarika yako pamusoro pemiganhu ($ 5,500 kana $ 6,500).
Kukwanisa kukodzera kubhadhara mitero yakasarura kana yega yebhadharo yemugove wekare weIRA unobva pane zvimwe zvikonzero, kusanganisira yako mari uye iwe unobatanidzwa mune imwe hurongwa hwekubhadhara mari. Mibairo yekubhadhara inoshandurawo munguva. Mipiro yeRoth IRA haibhadhara mutero, iyo inoitwa mushure mekuteresa. Pane imwe nguva imomo, mari yacho inowanzoregererwa zvakare. Kunyange kana iwe uchibudisa kunze panguva yekurega basa. Kunyange zvazvo pane zvimwe zvipingamupinyi, kugoverwa kubva kuRoth IRAs hakuna mvumo yemitero. Kuti uwane ruzivo rweRoth IRA, kune mamiriyoni emari.
Roth IRA Shanduko
Kusiyana nemadzitateguru eIRA kana mari yeRoth IRA, shanduro dzeRoth hadzisi kutevera matanho akafanana neapo paunoshandura tsika dzemaitiro eIRA kuRoth IRA mafa, kutendeuka hakusi kuonekwa semupiro.
IRA Ifa inenge yatove ichiverengwa sechikamu chezvipo zvegore negore zvemakore akapfuura. Sezvo zvakadai, Roth kutendeuka huwandu haisi pasi pemiganhu yakafanana neIRA uye Roth IRA mipiro. Iwe unogona kutora IRA mari kuRoth panguva ipi zvayo uye hapana chiremera chakakwirira pamutengo waunogona kuchinja.
Yakarongwa naScott Spann