Zinsinsi za IRA ndi Mmene Mungagwiritsire Ntchito Mphoto Yanu Yopuma Pantchito
IRA siyimangidwe kuti idzalowe m'malo, koma kuti iwonjeze mtundu wina uliwonse wa ndalama zopuma pantchito ndi zopindulitsa zomwe okalamba ogwira ntchito angalandire akalandira zaka zopuma pantchito.
Zinthu 10 Zophunzira Zokhudza IRAs
Kodi mukudziwa zambiri za IRAs? Mwinamwake ndinu watsopano ku lingalirolo kapena mwamva zambiri zokhudzana ndi momwe amagwirira ntchito. Pano pali zofunikira 10 zapamwamba za IRA zomwe muyenera kuzidziwa kuti ndinu anzeru.
1. Yambani lero
Kafukufuku wasonyeza kuti anthu kawirikawiri amadikirira mpaka atakhala pakati pa zaka 30 ndi 40 asanayambe kusunga ndalama mopuma pantchito. Malinga ndi kafukufuku wa 2017 wochitidwa ndi Merrill Lynch ndi Age Wave, gawo limodzi mwa atatu mwa anthu onse akuluakulu (a zaka zapakati pa 25 ndipamwamba) alibe ndalama zopuma pantchito, ndipo 23 peresenti ali ndi ndalama zosachepera $ 10,000 zomwe zimachotsedwa m'tsogolo. Pafupifupi 81 peresenti sadziwa ngakhale ndalama zomwe adzafunike kuti apume pantchito. Izi ndizowopsya poganizira kuti akatswiri ena amakhulupirira kuti masiku ano phindu la Social Security lidzathetsedwa mu chaka cha 2034.
Nthawi tsopano ndikuyamba kuyika gawo la mapindu anu mu IRA. Ikani momwe mungathere mu IRA yanu kuti ndalama zikhalepo panthawi yomwe mupuma pantchito.
2. Pali malire a pachaka pa zopereka
Internal Revenue Service (IRS) imapereka chithunzithunzi pa zopereka zapachaka, kotero chonde onetsetsani izi mwachidwi ndi ndondomeko yanu yachuma.
Kwa chaka cha msonkho 2017, ndondomekoyi imalepheretsa chikhalidwe cha IRA kwa munthu aliyense ndi $ 5,500 ndi ndalama zowonjezera zokwana madola 1,000 kwa aliyense ali ndi zaka zoposa 50. Mukufuna kupititsa patsogolo ndalama zanu zokhoma msonkho? Ganizirani kupereka ndalama zokwana madola 3,500 pa akaunti yanu yosungirako thanzi. Ngati muli ndi malo ogwira ntchito pantchito yopuma pantchito komanso IRA yanu, zopereka zogwirizanitsa sizingapitirire ndalama zogwirizana ndi IRS.
3. Pali mitundu yosiyanasiyana ya IRAs
Chifukwa chakuti abwana anu amapereka mtundu umodzi wa IRA sichikutanthauza kuti muli ochepa pa chisankho ichi. Ndipotu, pali mitundu yosiyanasiyana ya IRA yomwe ikukonzekera kusankha. Mitundu yambiri ya IRAs ndi yachikhalidwe ndi Roth. Kuphatikizapo pali ndondomeko zomwe zimathandizidwa ndi antchito, zomwe zimathandizidwa ndi olemba ntchito, kapena kuphatikiza aliyense. Olemba ntchito ambiri amapereka IRAs zomwe zimaperekedwa ndi antchito ndipo madola amafanana ndi kampaniyo. Izi ndizimene zimakonda kwambiri IRAs. Komabe, makampani angasankhe kufunsa antchito kudzipangira okha ndalama IRA akukonzekera ndikupereka ndalama zowonjezereka kumapeto kwa chaka kudzera mu SEP kapena pulogalamu yogawa phindu. Anthu ogwira ntchito okhawo angasankhe SEP IRA kapena SIMPLE IRA kuti ayambe kusunga malipiro chifukwa chothawa pantchito, motero sichiwerengedwa kwa iwo omwe ali ndi ntchito zachikhalidwe.
4. N'zotheka Kugawira IRA kwa Wokwatirana Naye
Nthawi zambiri munthu amanyalanyaza mfundo yakuti munthu wokwatirana angapereke ndalama zambiri pachaka ku akaunti ya IRA kwa mwamuna kapena mkazi wake. Amatchedwa kuti IRA. Mkaziyo sayenera kugwira ntchito. Njirayi ingatheke kaŵirikaŵiri kupuma pantchito kwa anthu okwatirana. Mwachitsanzo, mwamuna ndi mkazi opitirira zaka 50 akhoza kuchotsa $ 13,000 pafupipafupi pogwiritsa ntchito njirayi.
5. Anthu Angalimbikitse Nthawi Yowonongeka
Chinthu china chachikulu cha IRAs ndi kuthekera kupitiriza kulima ndalama pambuyo pa December 31 chaka chilichonse. Ndipotu, anthu ambiri amapereka ndalama kwa IRA yawo kuti athe kuchepetsa msonkho wawo pa April 15th. Izi zikutanthauza ngati muli ndi ngongole kumapeto kwa 2017, mungasankhe kugulitsa ndalamazi mu IRA yanu ndikupewa kulipira msonkho.
Kumbukirani kuti ngati mwabwereka ndalama pa IRA yanu, mutha kulipira msonkho wamtundu wanu komanso boma chifukwa izi zimawonedwa kuti ndizopindula.
6. M'malo mwa Kutaya; Gubuduzani
Ayi ife sitikuyankhula za galu pano. Ngati mutasiya bwana ndi ndalama zopuma pantchito yamtundu uliwonse, mudzapatsidwa chisankho kuti mutenge ndalamazo kapena muzipititsa ku 401 (k) kapena IRA. Nthaŵi zonse zimakhala zosangalatsa kusungira ndalama zanu mwachindunji ku akaunti yanu yopuma pantchito ndi abwana anu atsopano ku banki yanu. Ngati mutapereka ndalama zanu, mutha kuyembekezera kulipira 30 peresenti mumalipiro ndi misonkho. Malinga ndi dziko limene mukukhalamo mukhoza kutengeranso msonkho zina 10 peresenti kumapeto kwa chaka. Kusungira ndalama zanu sikumapangitsa kuti musapezeke kwa inu, koma kumakuthandizani kusunga ndalama zanu zambiri.
7. Amalume Sam Will (Potsirizira pake) Pangani Inu kugwiritsa ntchito IRA yanu
Ndi zosangalatsa kuziganizira, koma IRS Idzapanga anthu onse opitirira 70 1/2 kugwiritsa ntchito ndalama zawo za IRA. Iwo sangapitirize kupeza kapena kupitirira patatha zaka izi. N'zotheka kuyamba ndi kujambula ndalama zopuma pantchito ya Social Security ali ndi zaka 62 ndikupitiriza kugwira ntchito nthawi imodzi ndikuthandizira ku IRA mpaka zaka 70 1/2. Nthawi yaying'ono ingathandize aliyense kupanga ndalama zopeza ndalama, koma mwachidule. Ndi bwino kukhala ndi ndondomeko momwe IRA idzagwiritsire ntchito pazaka zapuma pantchito. Mwachitsanzo, wina yemwe akuyembekeza ntchito pantchito ali ndi zaka 62 angayambe kuyang'anitsitsa kugulitsa chuma kapena mtundu wina wa chuma chosasuntha - kuti asiye kukhala cholowa.
8. Ophunzira a IRA Ali ndi Malamulo Osiyana
Ponena za opindula pali malamulo awiri osiyana. Ophatikizana ali ndi ufulu wokwanira chiwerengero cha IRA chochepa cha 10 peresenti ya chilango chochotsera msinkhu (ngati ali ndi zaka zoposa 59 1/2). Akafika zaka 65, madontho a chilango ndi zero. Osakwatirana nawo nsomba sizinaperekedwe chilango cha 10 peresenti. Izi ndi zofunika kuziganizira posankha ndondomeko ya IRA. Ngati chinachake chiti chichitike kwa inu kodi muli ndi ndondomeko kuti mwamuna kapena mkazi wanu apitirizebe kuntchito yanu yamakono?
9. Kulembetsa Mwachindunji Sichikukondweretsani Nthawi Zonse
Kodi chikhalidwe chikukulirakulira ndi olemba ntchito kuti athe kuwonjezera nawo ndalama zopuma pantchito pofuna kulembetsa mwachindunji. Zingakhale zosavuta koma pali zoopsa ngati simukumvetsera. Ndalama zanu zikhoza kuikidwa mu thumba lachindunji lomwe limakulitsa chiwopsezo. Mungaganizenso kuti kuchuluka kwa malipiro omwe munawalembera ndi okwanira kuti mupereke ntchito. Zochitika zonsezi sizingakutumikireni. Werengani ndondomekoyi mosamala musanalembetse, ndipo kumbukirani kuti nthawi zonse muli ndi mwayi wosankha.
10. IRA Ingakutetezeni Kuchokera Ngongole Osonkhanitsa
Ngati muli ndi ngongole yaikulu ndikuganizira za banki, kuika ndalama mu IRA poyamba kungateteze katundu wanu panthaŵiyi. Anthu ambiri sazindikira kuti boma silinapereke ndalama zokwana $ 1 miliyoni zomwe zimagwiridwa ndi IRA yovomerezeka. Simuyenera kudandaula kuti okhoma ngongole adzabwera akugogoda ndi kutenga ndalama zanu zopuma pantchito. Nthawi zonse ndibwino kuti mutuluke ngongole, kuti mutha kusuta mokwanira.