I-akhawunti yomhlalaphantsi yomntu (i-IRA) isekwe kwiziko lezemali ukuze ikuvumele ukuba wongele umhlalaphantsi. Ii-IRAs zivumela ukuqokelelwa kwemali ngaphandle kwerhafu okanye inokusekwa njengeeakhawunti ezirhoxisiweyo zerhafu. Iingcali zemali ziqikelela ukuba umntu kufuneka agcine malunga ne-85% yengeniso yakhe kumhlalaphantsi. Kuba iiplani ze-401K zizodwa zikholisa ukungonelanga ukufikelela kule pesenti, ukudibanisa i-IRA kunye ne-401K kucetyiswa ngamandla ukunqanda ukungazinzi kwezemali ngexesha lakho lomhlalaphantsi.
I-Akhawunti Yomhlalaphantsi Yemveli/yeRoth
Ii-IRAs zendabuko okanye i-Roth IRAs zisekwe kwiibhanki okanye kwamanye amaziko emali afana nee-brokerage okanye iingxowa-mali ezifanayo. Igalelo kwi-IRAs ke lityalwe kwiibhondi, kwizitokhwe, kwiiCD, okanye kwiimarike zemali. I-Roth IRAs ziiakhawunti ezikhethekileyo zomhlalaphantsi ezixhaswa ngumvuzo womntu emva kwerhafu. Oku kuthetha ukuba awukwazi ukutsala iminikelo kwi-Roth IRA kwirhafu yengeniso yelizwe kunye ne-federal. Nakuphi na ukurhoxiswa kwexesha elizayo okulandela izikhokelo ze-Roth IRA kuthathwa njengokungahlawuliswa rhafu.
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Ipenshini yaBasebenzi eyenziwe Lula (SEP-IRA)
Ii-SEPs zii-IRAs zemveli ezisekwe ngabaqeshi kubasebenzi babo. Abaqeshi banokurhuma ukuya kutsho kuma-30,000 eedola (i-15 leepesenti) yomvuzo womsebenzi nyaka ngamnye kwii-IRAs zabasebenzi. Imali ebekwe kwi-SEP-IRAs ngabaqeshi ayiyonxalenye yengeniso. Ukongeza, igalelo lomqeshwa litsalwa kwirhafu yengeniso yabo. Utyalo-mali kwizicwangciso zomhlalaphantsi ezilula zabasebenzi ziyarhoxiswa nerhafu. Awukhawulelwanga kuhlobo lotyalo-mali ofuna ukulwenza nge-SEP-IRA, ngokungafaniyo nezicwangciso ze-401K. Kwiimeko ezininzi, amaziko emali anikezela zonke iintlobo zotyalo-mali ngokungafaniyo notyalo-mali oluthintelweyo oluvunyelwe luninzi lwezicwangciso ze-401K.
spiderman tobey maguire
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I-Annuity yoMhlalaphantsi ngamnye
Iimali zomhlalaphantsi zomntu ngamnye ziiRoth IRAs okanye ii-IRAs zemveli ezisekwe neenkampani zeinshorensi yobomi ngokuthenga iikontraki ezikhethekileyo zonyaka. I-IRA inenzuzo efanayo yerhafu, imida yomnikelo, kunye namanye amalungiselelo njengeannuity yomhlalaphantsi. Nangona kunjalo, ii-annuities zomhlalaphantsi zingasetyenziselwa ukubonelela ngengeniso ngexesha lomhlalaphantsi okanye zinokutyalwa kwii-annuities eziguquguqukayo okanye ii-annuities ezisisigxina. Iimfuno ezithile ziquka ukunika ngokupheleleyo inzala yakho ye-annuity kwi-annuity kwaye ungagqithiseli nayiphi na ibhalansi kwabanye abantu (nangona unokuchaza umxhamli).
ukususa izikrufu zentloko ye-philips
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Iqela le-IRA
Iqela le-IRA yiAkhawunti yeTrust ye-Employer and Employee Association esekwe yimibutho yabasebenzi, imibutho yabasebenzi, okanye abaqeshi. Nje ukuba iqela le-IRA livulwe, amalungu anokuqalisa ukwenza iminikelo. Yonke imirhumo mayibe kwimo yeodolo yemali, itshekhi okanye imali ezinkozo. Ipropati ayinakuba negalelo kwiqela le-IRA. Nangona kunjalo, iqela lakho le-IRA lingatyala imali kwipropathi ngokuthenga izabelo zesitokhwe. Ukongeza, ungagqiba ekubeni 'ugqithise' okanye utshintshe ipropati ethile ukusuka kwiqela le-IRA ukuya kwesinye isicwangciso somhlalaphantsi, ngokuxhomekeke kumalungiselelo e-IRA yakho.
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IsiCwangciso soMatshisi seNkuthazo yokonga kuBasebenzi be-IRA
I-IRA yemveli eyenziwe ngabaqeshi abancinci kubasebenzi babo, iSicwangciso somdlalo weNkuthazo yoSavings kuBasebenzi (SIMPLE) sivumela abasebenzi ukuba banikele ngaphezulu kwe-6,000 yeedola ngonyaka, kunye nokonyuka okuvunyelweyo okulindeleke ukuba kuhambelane namazinga okunyuka kwamaxabiso njengoko bekhula. Abaqeshi abaxhasa nge-SIMPLEs nabo benza iminikelo ehambelanayo ngokusekelwe kwipesenti yomvuzo womqeshwa ngamnye. I-SIMPLE ziyacetyiswa njengezicwangciso zokuqala zokulondoloza umhlalaphantsi kubaqeshi abanabasebenzi abangaphantsi kwe-100 abangekasixhasi isicwangciso esithile somhlalaphantsi.
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Umlingane we-IRA
Ii-IRAs zamaqabane zi-IRAs okanye ii-Roth IRAs ezixhaswa ngemali ngabahlawuli berhafu abatshatileyo egameni leqabane elineedola ezingama-2000 okanye ngaphantsi kwimbuyekezo yonyaka. Izibini ezine-IRA ezitshatileyo kufuneka zifake imbuyekezo yerhafu edibeneyo yonyaka wegalelo. Amaqabane asebenzayo anganikela ngeedola ezingama-2000 okanye ngaphantsi ngonyaka kwi-IRA yamaqabane awo kwaye angabi ngaphezulu kweedola ezingama-2000 kwi-IRA yawo. Ngamafutshane, izibini zinokunikela ngeedola ezingama-4000 ubuninzi ngonyaka ukuba nje i-IRA nganye ayifumani ngaphezulu kweedola ezingama-2000.
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Rollover (Conduit) IRA
I-Rollover (Conduit) IRAs zii-IRA zemveli ezisekwe ngumntu omnye ngenjongo zokufumana izabelo ezivela kwizicwangciso zomhlalaphantsi ezifanelekileyo. Akukho mida yegalelo kwiminikelo ekhutshelwe kwi-rollover IRAs. Ukongeza, ulwabiwo lufanelekile ukudluliselwa kwixesha elizayo kwizicwangciso zomhlalaphantsi ezifanelekileyo ezifumaneka ngabaqeshi abatsha. Ulwabiwo olufanelekileyo lunokudluliselwa kwi-IRA ye-rollover ngaphandle kwezohlwayo zerhafu, ngelixa zonke ii-asethi zihlala njengotyalo-mali olurhoxisiweyo. Ukudibanisa izicwangciso ezininzi zomhlalaphantsi ezixhaswe ngumqeshi zibe yi-rollover IRA enye yenza kube lula ukusasaza nokubukela ii-asethi zomhlalaphantsi.
333 ingelosi inombolo intsingiselo 2021
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I-IRA yemfundo
I-IRAs yezemfundo ibonelela ngemali kubaxhamli abaceba ukuya ekholejini okanye eyunivesithi. Akukho kutsalwa kwerhafu kuvumelekileyo kwii-IRAs zemfundo, kodwa yonke imivuzo kunye neediphozithi zinokukhutshwa ngaphandle kwezohlwayo ukuba nje imali isetyenziselwa ukuhlawulela iindleko zemfundo ephakamileyo. Qaphela ukuba imithetho yerhafu iyayithintela inkxaso-mali ye-IRAs yemfundo xa umxhamli eneminyaka eli-18 ubudala. Kwezinye iimeko, ngaphantsi kwe-avareji imida yomrhumo kunokuthetha ukuba uya kuhlawuliswa umrhumo wokulungisa liziko lemali eliphethe olu hlobo lwe-IRA. Ii-IRAs zeMfundo mazibhangiswe ngomhla wokuzalwa we-30 womxhamli, okanye ziya kujongana nezohlwayo nerhafu.
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ngubhontsi othathwa njengomnwe
Ii-IRAs ezizuzwe njengelifa
I-IRA ezuzwe njengelifa ingaba yi-Roth IRA okanye i-IRA yendabuko efunyanwa ngumxhamli (oyintsapho okanye ongeyena ntsapho) womnini we-IRA oye wasweleka. Imithetho ethile iyasebenza kwii-IRAs ezizuzwe njengelifa, umzekelo, ukutsalwa kwerhafu akunakuthathwa ngenxa yeminikelo yolu hlobo lwe-IRA. Kwakhona, nayiphi na imali eyabiweyo kufuneka irhafiswe phakathi kwamaxesha amiselweyo asekwe yi-IRS.
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I-IRA yokwabelana ngenzuzo
Izicwangciso ze-IRA zokwabelana ngenzuzo zamkela iminikelo yokubona (akukho sixa simiselweyo) kubaqeshi. Ifomula esemgangathweni iyafuneka ukuze abaqeshi benze iminikelo kwi-akhawunti yomqeshwa ngamnye, emisela indlela eyahlulwa ngayo iminikelo. Abaqeshi abanikezela nge-IRAs ngenzuzo abathintelwanga kolu hlobo lwe-IRA kuphela. Kwakhona, amashishini anobuphi na ubukhulu anokuseka ii-IRA zokwabelana ngenzuzo. Abasebenzi ababhalise kwisicwangciso sokwabelana ngenzuzo banokudlulisela iimali kwi-IRA yemveli ukuba abaqeshwanga okanye bathathe umhlala phantsi kuloo nkampani.
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