Ka haʻaleleʻana i nā palena palena no nā kumu a me nā ponoʻole
Eia ka nui o kāu e kōkua ai i kāu 403 (b) i ka 2017:
403 (b) Limu kaulike no 2017
Hiki ke hoʻololi kēia mau mea mai kēlā makahiki i kēia makahiki akā e like nō ia me nā palena manawa o ka 2016. No ka 2017,ʻo ka huina nui i hiki iāʻoe ke hoʻoili i ka papahana 403 (b) $ 18,000 ($ 24,000 inā he 50 mau makahiki aʻoi aku paha) aiʻole 100% o ka uku.
Ma waho aʻe o ka limahana limahana e hoʻopauʻia ke kālā hou i kahi 403 (b) inā hāʻawi nā mea hana i nā hāpai pāʻani. No nā hoʻolālā e hāʻawi ana i kahi pāʻani o ka hakuhana,ʻo ka palena hapa nui he $ 54,000. ʻO ka palena o ka limahana limahana e like me ia i luna, akā hiki i ka mea hana ke koho e hoʻohui i kahi $ 36,000 (ʻaʻole eʻoi aku ka nui o $ 54,000 i 2017).
He aha nā mea nui o ka hāʻawiʻana i kahi 403 (b)?
403 (b) keʻano like o nā hoʻonohonoho he 401 (k) nā kumumanaʻo. Akā,ʻaʻole kēiaʻo ka hihia (e nānā i nā wehewehe o kēia manawa i ho'ākākaʻia ma lalo nei). 403 (b) nā manaʻo i hoʻohanaʻia e hoʻokomo muaʻia i loko o nāʻaelike hoʻolimalima me kahi pūʻokoʻa likeʻole no ka'auki kūpono a iʻole ka pākēna o ka hoʻolimalimaʻana.
I kēia manawa,ʻo ka hapa nui o 403 (b) nā manaʻo e hāʻawi ana i nā kōmike kālā'āpana kālā ma waena o nāʻike mālama. ʻOiai kahi 403 (b) nā hoʻolaha e hoʻolaha nei i nā hoʻokūkū hoʻolimalima, he like loa ka hoʻohanaʻana i nā kuhi kālā likeʻole o ke kālā likeʻole me keʻano o nā papa hana 401 (k) kahiko.
ʻO ka pōmaikaʻi nui o 403 (b) nā māhele,ʻo ia nō nā hana i hanaʻia ma o nā hoʻopiʻi uku uku mua.
Inā hanaʻoe no kahi hui e hāʻawi ana i kahi 403 (b), hiki i ka hoʻokomoʻana i ka hoʻolālā o kāu mea hoʻohana e kōkua iāʻoe e hana i kēia mau mea ma ke ala e hoʻomaha ai:
- Kūkulu pono i kahi waiwai no ka hoʻomaha loaʻana
- ʻO nā haʻawina kālā mua e kau i kāu kālā kālā
- ʻO ka hoʻokomoʻana i kēlā me kēia uku uku e lilo i ka uku pānaʻi kālā
- Makemake nā waiwai e hoʻonui i kaʻauhau-a kāleleʻoleʻia a hiki i kou haʻaleleʻana iā lākou
- Hiki ke loaʻa nā kōkua pilikino hana
2017 Nā palena kūpono no Roth 403 (b) s
Hoʻolālāʻia ka papahanaʻo Roth pūnaewele (DRA) i nā hui e koho i nā haʻawina hoʻolālā 403b e like me nā haʻawina Roth. Roth 403 (b) keʻano like loa nā hoʻolālā me Roth 401 (k) s . He mea hou kēia koho aʻo ka makana mua ka hiki iāʻoe ke hana i nā haʻawinaʻauhau ma hope o kaʻauhau eʻae ai i ka uluʻole o kaʻauhau kālā o kāu mau kālā.
No ka 2017,ʻo ka palena o ka palena makahiki no Roth 403 (b) s he $ 18,000, a me kahi kālā $ 6,000 hou i loaʻa no nā makahiki 50 aʻoi paha.
- Hāʻawiʻia nā haʻawina me nā kālā āpau ma hope o kaʻauhau (ʻaʻole i ka unuhiʻia o kaʻauhau o kēia manawa)
- Loaʻa ka loaʻaʻana o ka waiwai i kaʻauhauʻole (ʻoiaiʻoe he 59 ½ makahiki a heʻelima makahiki mai ka manawa o kāu Roth 403 (b) makana mua loa)
- ʻAʻole likeʻoleʻo Roth IRA ,ʻaʻohe he kālā kālā
- Hāʻawiʻia ka hoʻolaha kālā
- I kūpono no ka holoʻana i kahi IRA i ka wā hoʻomaha loa e pale i nā māhele liʻiliʻi e pono ai (RMD)
Inā hāʻawi kāu papahana i kahi koho Roth 403 (b), hiki iāʻoe ke kōkua i kahi kūlana kahiko, 403 (b) a me kahi Roth 403 (b) i ka makahiki hoʻokahi e like me ka nui o ka haʻawina kālā i hui pūʻia ma mua o ka palena makahiki.
ʻO nāʻokoʻa ma waena o 403 (b) a me 401 (k)
Ua hoʻopauʻia nāʻokoʻa mua i waena o kēia mau papa hana hoʻomaha loa me ka Loi Hoʻolālā Huawai a me ka Lawaiʻa no ka Hoʻoponopono Kuleana o ka makahiki 2001. Akā, hoʻokahi wale nō koho koho kūikawā i kapaʻia he 15 makahiki no ka mālamaʻana i 403 (b) nā manaʻo (inā eʻaeʻia e ka mea hana). Ma kēia papa hana kūikawā kūikawā hiki i nā limahana hana 15 mau makahiki aʻoi aku paha o kaʻoihana me ka mea hana like e hāʻawi i kahi $ 3,000 hou aku ināʻaʻole iʻoi aku nā kālā o nā makahiki i hala aku ma mua o $ 5,000.
Ma lalo o nā lula o kēia manawa,ʻaʻole hiki ke piʻi aku i kēia $ 3,000 i kēlā me kēia makahiki (hiki i ka palena o ka nui o ka $ 15,000). Inā hiki i nā makahiki he 50 a me 15 mau makahiki hopu,ʻo nā haʻawina iʻoi aku ka palena o ka palena makahiki he 18,000 e hoʻohana muaʻia me ka hoʻohanaʻana i ka 15-makahiki mulina i ukaliʻia e ka 50 mau makahiki hopu.