IRA inhoroondo yekuchengetedza pamwe nemimwe mitero yemitero
Kune marudzi akasiyana-siyana eIRAs uye mumwe nomumwe ane zvinokonzerwa nemitero uye kukodzera.
Mutambo weMunhu mumwechete wekugara
Kubatsira kwetsika dzeIRA dzinosanganisira:
- Iwe unogona kutora kubhadhara mutero kana iwe uchipa mari kune imwe tsika yeIRA . Izvi zvinoderedza mari yako yaunotengesa kuitira kuti mugumisiro wekupedzisira ndewekuti iwe hauribhadhara mutero wemari pamari yaunenge uisa pane iyo compte.
- Iko kuchengetedza kukura mitero-yakadzokidzwa. Iwe haufaniri kusanganisira kufarira, zvikamu, kana kuti mari inowanikwa kubva kuIRA pamutero wako wegore wekudzoka.
- Kana iwe uchibvisa mari yacho, kugoverwa kubva kuIRA kunosanganiswa mumari yako inotengesa. Inobhadharwa semari inowanikwa mari. Iwe uri kunyatsobhadhara mitero gare gare pamari yaunowana nhasi, nokuda kwekuti kubhadhara mutero kwezvipo zvako. Vakawanda vanoenda kumusha vanozviwana vari mabheji emitero mashoma kudarika ivo vaizviisa pasi pavanenge vachishanda uye vachiwana, kuitira kuti iwe ungagumisa kubhadhara mari shoma pane iyo mari.
Zvino, nokuda kwekuderera:
- Iwe haugoni kubhadhara mutero wemari pamari kana ukawana kuti iwe unofanira kutora zvimwe zvacho musati warega basa. Iwe uchabhadhara zvakare 10-percent muzana mutero wekubhadhara pamubhadharo iwoyo wepakutanga kana iwe ukabvisa mari yacho usati wasvika muzera remakore 59 1/2.
- Iwe unofanira kutanga kutora mari kubva kune tsika yekare IRA inotanga mugore iwe unosvika makore 70 1/2. Iwe unofanira kutora zvishomanana kugoverwa kwemadiki kana kuti "RMD" gore roga roga kana iwe uchatorwa nemutero wekambiso we50 muzana yemari yaMRD yausina kubhadhara mutero wenguva dzose pamutero nokuti iwe hauna kubvisa mari yacho.
- Kune dzimwe mimwe mitemo yekuti ndiani angatora kuderedzwa kwemipiro yemaitiro eYRA. Kana iwe kana wako wako iwewo wakavharwa nepurogiramu yekubvisa pabasa, kubvisa kwako kunogona kunge kuri kukwana kana iwe ungasakwanise kubvisa chero chepaburiro yako zvachose.
Nondeductible Traditional Individual Retirement Account
A nondeductible IRA inharaunda yeRA asi zvipo hazvibhadharwi mutero. Chii chakanaka mune izvi? Iko mari yaunenge uchichengetera icharamba ichingokura mitero-yakatarwa kusvika panguva iyo iwe unotanga kutora kugovera, uye chikamu chikuru chekugoverwa kwacho haisi mvumo yekubhadhara mari pamusana pokusiya basa nokuti wakatove wakabhadhara mutero pamari inotengeswa panguva yawakagamuchira. Iko kukura chikamu inotererwa semari inowanikwa mari.
Vanhu vanowanzosarudza nondeductible IRA apo vanozviwana mumamiriro ezvinhu chaiwo emari:
- Ivo vakafukidzwa nepurogiramu yekusarura kuburikidza nevanoshandira, uye
- Mari yavo inowanikwa zvakanyanya kuti isakwanisa kubvisa zvipo zvavo zvekare zveIRA, uye
- Havana kukodzera kubhadhara Roth IRA, uye
- Vanoda kugovera mari yakawedzerwa pakubhadhara mubhadharo inoderedzwa.
Mhedzisiro huru pakati peNondeductible IRA uye tsika yemaitiro IRA ndiwo mutero wemutero wemupiro wepakutanga.
Mimwe mitemo yose inoshandiswa kumadzitateguru eIRAs inoshandawo pano. Pachine chikamu chegumi-chegumi chepastax chirango pamapapiro ekutanga, uye kugoverwa kunofanira kutanga mugore kuti mubati wekambani anosvika makore 70 1/2.
Roth Individual Retirement Accounts
A Roth IRA inopa mari dzingave dzisingabhadhara mari uye kuparadzirwa. Kusiyana netsika yeIRA, hauna kuwana kuderedzwa kwezvipo zvako panguva yaunoita. Izvi zvinoita kuti nhoroondo idzi dzifananidzwe ne nondeductible IRAs, asi kune zvakasiyana-siyana mukushandiswa kwokuti kugoverwa kuripi.
Zvinhu zvinokosha zveRoth IRA zvinosanganisira:
- Mipiro haisi mari inotambiswa
- Iwe haufaniri kubhadhara mutero wemari pamari yekuwana uye kukura kwemari iri mukati meRoth IRA
- Kugoverwa kubva kuRoth IRA hakukwanisi kubhadhara mutero zvakakwana kana iwe ukasangana nemamwe mamiriro ezvinhu.
- Iwe unogona kugovera kuRoth IRA kunyange iwe wakafukidzwa nepurogiramu yekubatira basa kubasa
- Roth IRAs ine zvishoma zvishoma zvekuwana
- Zvinotarisirwa zvishoma kudhindwa mitemo hazvirevi kuRoth IRAs
IRA Contribution Limitengo
Nhamba yose inogona kugoverwa kune tsika yeIRA kana Roth IRA gore rega rega, kana kusanganisa kwemaviri, inokwana madhora 5 500 kubva muna 2017. Uyu muganhu wakaramba usingashanduki kubva muna 2013 apo wakawedzerwa kubva pamadhora 5 000 ari mu nzvimbo muna 2012.
Asi iwe unogona kupa zvakawanda kana uine makore makumi mashanu kana kupfuura, kusvika kune imwe $ 1 000 . Izvi zvinozivikanwa se "chikwata" uye inoramba ichifanana gore negore.
Iyi miganhu yemiganhu inoshandiswa pamitambo, nondeductible, uye Roth IRA marudzi. Kana iwe uchida kubhadhara zvose zvechirongwa IRA neRoth IRA, iwe unogona kugovera chero mari yekubatanidza kune imwe neimwe asi kubatanidza zvachose hakugone kudarika chikamu chegore. Semuenzaniso, unogona kuisa $ 2 750 mumutambo weIRA uye imwe $ 2 750 kusvika muRoth IRA.
Yakapedzisira Yashandi Pension Pension Individual Retirement Accounts
SEP IRAs chirongwa cheboka rekurega basa. Mumwe mushandi anosimbisa chirongwa cheSeP IRA, uye anopa mipiro kune tsika dzekare dzeIRA dzakagadzirirwa mukati meSeP IRA. Zvirongwa izvi zvinoratidzirwa nevanhu vanozvishanda nokuti vanobvumira mirefu yakakwirira yezvipo kupfuura nguva dzose dzeIRAs. Kana zvisina kudaro, SEP IRAs inoshandiswa zvakafanana kune tsika dzekare dzeIRAs. Mipiro inogadzirwa nehurumende isati yabhadhara, kugoverwa kunobhadharwa semari inowanikwa mari, uye kune zvipo zvekutora kugovera kwekutanga.
Kugadziriswa Kwekugadzirisa Matanho Matanho Kune Vashandi
SIMPLE IRAs ihwowo chimiro cheboka rekurega basa. Izvo zviri nyore kugadzirisa nekuchengetedza kudarika 401 (k) kana zvirongwa zvepenjeni, asi dzinopa miviri yepasi yezvipo kupfuura mamwe mapoka eboka. SIMPLE IRAs inokubvumira kupa mvumo yekutengesa madhora nemiripo inofanirwa kubva kumushandi wako. Kugoverwa kunobhadharwa semari inowanikwa mari, uye kune chirango chekugovera kwekutanga.
Apo Contributions Inofanira Kuitwa
Iwe unogona kupa mari kune IRA chero nguva gore rose. Mushure mokunge gore rapera, iwe unogona kuisa mupiro kune IRA yegore rapfuura chero bedzi mupiro unogadzirwa neApril mutsetse wekupedzisira. Izvi zvinoreva kuti mugore remutero 2017, nguva yakatarwa yekubhadhara IRAs musi waApril 17, 2018.