IRA Zvinyorwa uye Nzira Yokuita Nayo Yakawanda Yenyu Yekubhadhara Imari
IRA haisati yafanirwa kutora nzvimbo, asi pane kuwedzera mamwe mhando dzekusimwa kwemari yekubvisa mari uye zvikwereti izvo vanhu vashandi vanoshanda vachawana kana vazosvika kumakore ekurasikirwa.
10 Zvinhu Zvokudzidza NezveIRAs
Unoziva zvakawanda nezveIRAs? Zvichida iwe uri mutsva kune chirevo kana wakanzwa zvakawanda zvenhema pamusoro pekushanda kwavo. Heano ndiyo misoro yepamusoro 10 yeIRA inofanirwa kuziva kuti iwe uri muchengeti akachenjera.
1. Tanga Nhasi
Zvidzidzo zvakaratidza kuti vanhu vanowanzomira kusvikira vava pakati pemakore makumi matatu nemakumi mana vasati vatanga kutora mari yekuchengetedza mari. Maererano nekuongorora kwe 2017 kwakaitwa naMerrill Lynch uye Age Wave, chetatu chevanhu vakuru (vane makore makumi maviri ne25 nepamusoro) havana kubhadhara mari yekusarura, uye 23 muzana vane madhora anodarika $ 10 000 akaregererwa mune ramangwana. Anopfuura 81 kubva muzana havazivi kunyange mari yakawanda yavanoda kuti vasiye. Izvi zvinotyisa kuongorora kuti vamwe vaongorori vanotenda kuti mazuva ano Social Security inobatsira ichapera mugore ra2034.
Nguva yacho ikozvino kutanga kutora chikamu chemari yako muIRA. Isa zvakawanda sezvinobvira muIRA yako kuitira kuti mari iwanikwe panguva yaunotora basa.
2. Kune Mitsara Yegore negore Pamipiro
Iko Internal Revenue Service (IRS) inogadzirisa chinyorwa pamipiro yegore negore, saka tapota fungai izvi zvakanyatsogadziriswa nemarongerwo emari yako.
Kwegore remitero 2017, chirongwa ichi chinokonzera kuti tsika yeIRA yemunhu mumwe chete ipo $ 5 500 neyekuwedzera kubhadharira mari ye $ 1 000 kune mumwe munhu anopfuura makore makumi mashanu. Unoda kuwedzera mari yako yekusungirwa? Funga kugovera zvimwe zvinodarika $ 3 500 kune imwe nhoroondo yemari yako yekuchengetedza utano pamwe chete. Kana iwe nevebasa rebasa rekuchengetedza basa rekuchengetedza rekodhi uye IRA yega, zvipo zvakabatanidzwa hazvikwanisi kudarika IRS inobvumirwa mari.
3. Kune Mhando dzakasiyana dzeIRAs
Kungofanana nemushandirwi wako anopa rumwe rudzi rweIRA harurevi kuti iwe unogumira pane sarudzo iyi. Muzvokwadi, pane dzakawanda zvemarudzi akasiyana eIRA anoronga kusarudza kubva. Mhando dzakawanda kwazvo dzeIRAs ndedzakare uye Roth. Mukuwedzera pane zvirongwa izvo zvakanyatsobhadharwa nevashandi, zvizere zvakabhadharwa nevashandi, kana kubatanidzwa kwega roga. Vashandi vakawanda vanopa IRAs inobhadharwa nevashandi uye ipapo madhora anowirirana nekambani. Aya ndiwo maIras anonyanya kufarira. Zvisinei, makambani angasarudzawo kutsvaga vashandi kuzvizvipira mari IRA inoronga uye inopa chete mari yakawedzerwa pakupera kwegore kuburikidza neSeP kana purogiramu yekugoverana. Vashandi vekuzvidzivirira vanogonawo kusarudza SEP IRA kana SIMPLE IRA kuti vatange kuchengetedza mari yekusarura, saka iyo haina kuongororwa kune avo vane mabasa evanhu.
4. Zvinokwanisika Kubatsira kuIRA yeMutemo Wemutemo
Chimwe chinowanzorekwa chinhu ndechokuti munhu akaroora angapawo mari yakawanda yegore negore kuIRA account yewawakaroorana naye. Iyo inonzi yakaroorana IRA. Mudzimai haafaniri kushandiswa. Iyi sarudzo inogona kunyanya kubhadhara mari yekubhadhara mari yevakaroorana. Somuenzaniso, murume nomudzimai vanopfuura makore makumi mashanu vanogona kurasa $ 13,000 kubva kune rimwe gore vachishandisa nzira iyi.
5. Vanhu Vanokwanisa Kuwedzera Nguva Yadzo Yokutsvaga
Chimwe chinhu chakakura cheIRAs kukwanisa kuramba uchidyara mari mushure meDecember 31 wegore negore. Zvechokwadi, vanhu vazhinji vanopa mari yakawanda kuIRA yavo kuti vaderedze mutero wavo wekubhadhara musi waApril 15. Izvi zvinoreva kana iwe uchibhadhara mitero pakupera kwe 2017, unogona kusarudza kuisa mari iyi muIRA yako uye usabhadhara mitero yemitero.
Ramba uchifunga kuti kana wakakwereta mari neIRA yako iwe ucharamba uchinyora mari yemunharaunda uye yehurumende nokuti ino inofungidzirwa mari.
6. Panzvimbo yeKuchengetedza; Shingairira
Kwete isu hatisi kutaura pamusoro pembwa pano. Kana iwe uchisiya mushandirwi nemubhadharo wekushandira mari chero ipi zvayo iwe uchapiwa sarudzo kuti uwane mari yacho kunze kana kuti uiendese kune 401 (k) kana IRA. Iko nguva dzose inoshandiswa kuisa mari yako pamusoro pekodha rako rekubvisa pamwe nemushandi wako mutsva kubhengi yako. Kana iwe ukabhadhara mari yako, unogona kutarisira kubhadhara zvinenge makumi matatu kubva muzana mumitambo yekutarisira nemitero. Zvichienderana nehurumende yaunogara mauri inogonawo kutererwa zvekare kune 10 muzana pamagumo egore. Kunyora pamusoro pemari yako hazviiti kuti zvirege kuwanika kwauri, asi zvinokubatsira kuchengetedza mari yako yakawanda.
7. Semunun'una Sam Will (Pakupedzisira) Ita Kuti Ushandise IRA Yako
Zvinonakidza kufunga, asi IRS Ichaita kuti vanhu vose vanopfuura makore makumi manomwe nezana vanoshandisa IRA yavo mari. Havagone kuramba vachiwana kana kuwedzera shure kwezera iri. Zvinotanga kutanga nekutora Social Security retirement fund pazera remakore makumi matanhatu nemakumi matanhatu uye rinoramba richishanda nguva imwechete uye inopa muIRA kusvika kune makore makumi manomwe ne2. Iyi nguva pfupi inogona kubatsira munhu wese kuumba kurasikirwa nemari yekuwana mari, asi inopfupika. Zviri nani kuti uve nepurogiramu iyo IRA ichagadziriswa sei pamakore ekurasikirwa. Semuenzaniso, mumwe munhu anotarisira kubhadhara pazera remakore makumi matanhatu nematatu angada kutanga kutarisa kuisa mari mune imwe pfuma kana imwe rudzi rwehupfumi husingashanduki - kusara senhaka.
8. VaIra vanobatsirwa vane mitemo yakasiyana
Kana zvasvika kune vanobatsira pane mitemo miviri yakasiyana. Vakaroorana vanowanikwa vane kodzero yehuwandu hwakazara weIRA shoma 10 kubva muzana chirango chekuregererwa kwekutanga (kana vari pasi pezera remakore 59 1/2). Pavanosvika pamakore makumi matanhatu nemashanu chirango ichi chinodonha kusvika zero. Kwete-kuroorana nevekuchengetedza hazvibudiswi 10 muzana chirango. Ichi chinhu chinofanirwa kufunga nezvekusarudza chirongwa cheIRA. Kana pane chimwe chinhu chingaitika kwauri iwe une chirongwa chemumwe wako kuti uenderere mberi pane yako yazvino yemari?
9. Zvinyorwa zvekunyora hazviiti nguva dzose
Icho chichikura chiri nani nevashandirwi kuwedzera kubatanidzwa mune mari yekubvisa mari kuburikidza nekuda kunyoresa zvinyorwa. Izvozvo zvingaita sezviri nyore asi pane zvimwe zvingangoita kana iwe usingateereri. Mari yako inogona kuiswa muchikwata chekutsvaga chinyorwa icho chinowedzera dambudziko. Iwe unogona kufungawo kuti chikamu chemari yawakanyora iwe yakakwana kuti uwane basa rako rekurega basa. Zvose zviri zviviri izvi hazvingakushandiri. Verenga kuburikidza nepurogiramu yacho magwaro musati wasvika, uye yeuka kuti iwe unogara uine sarudzo yekubuda.
10. IRA inogona kukudzivirira kubva kune chikwereti Vanounganidza
Kana iwe uri mukwereti chakakomba uye uchifunga kubhadhara, kuisa mari muIRA kutanga kunogona kudzivirira zvinhu zvako munguva ino. Vanhu vakawanda havazivi kuti hurumende inosanganisa kusvika ku $ 1 mamiriyoni emari inobatwa muIRA inobvumirwa. Iwe haufaniri kunetseka kuti ivo vane chikwereti vachauya vachigogodza uye vatora mari yako yakaoma yekubhadhara mari. Nguva dzose iri pfungwa yakanaka yekubuda mune chikwereti zvakadaro, kuitira kuti iwe unakidzwe nekugara kwako zvakakwana.