Eʻike i ka mea i nā palena no ke kālā makahiki o kēia manawa
Inā maikaʻiʻoe e hele i nā hoʻopiʻi hoʻomahaʻana , hiki iāʻoe ke hoʻokuʻu i ka mahele "Background" a hele pololei i nā palena o ka palena hoʻoholo no 2016.
Inā noʻonoʻo ikiʻoe, e heluhelu ai e aʻo hou e pili ana i kahi e hiki ai iāʻoe ke ho'ōla no ka haʻaleleʻana.
ʻO kaʻike
Aia kahi lima o nā moʻolelo likeʻole e kōkua iāʻoe e mālama no ka haʻaleleʻana.
He aha ka 401k?
ʻO ka helu hoʻolimalima maikaʻi loa i ka helu 401k , kahi i hāʻawiʻia e nā poʻe loea . ʻO ke kālā āu i waiho ai i kāu 401k ua kapaʻiaʻo kāu "kōkua." Hāʻawiʻia kēia haʻawina me ka uku kālā mua. ʻO kēia keʻano o ka ukuʻana i kaʻauhauʻauhau ma kāu haʻawina i kēia manawa, e ukuʻoe i nā auhau i nā makahiki ma ke alanui i ka wā e haʻalele aiʻoe i kēlā kālā.
Ināʻoe he pilikino iāʻoe, aʻaʻole kāu poʻe loeaʻoihana ma waho o kāu wahine, hiki iāʻoe ke hoʻonohonoho i 401k mau kānaka iāʻoe iho. Kūʻia kekahi manawa ma kahi o 401k Solo. Loaʻaʻoe i ka hāʻawiʻana i kahi kālā āpau a iʻole ma hope o kaʻauhau kālā ma kāu 401k.
Inā makemakeʻoe e hāʻawi i nā kālā ma hope o kaʻauhau -ʻo keʻano āu e uku nei i kaʻauhau i kēia makahiki, akāʻaʻoleʻoe e uku i kaʻauhau ke loaʻaʻoe i ke kālā ma ka hoʻomahaʻana - e kapaʻia kāu inoaʻo Roth Solo 401k a 401k Roth Individual.
He aha ka IRA?
ʻEhā mauʻano nui o nā Kuleana Retirement Pelekane, a IRA paha:ʻO IOL ILE, ka SEP-IRA, ka IRA kahiko a me ka Roth IRA .
ʻO ka'Ira IRA i hāʻawiʻia i mua o kaʻauhau kālā, aʻo ka ROT IRA ka uku kālā kālā ma hope o kaʻauhau. ( Eia kekahi hōʻoia kōkua: i kēlā manawa kēia manawa e loheʻoe i ka hua'ōlelo "Roth," e hōʻike ana i "nā kālā ma hope o kaʻauhau.")
Uaʻaeʻiaʻoe e loaʻa i ka $ 5,500 ma kēlā me kēia makahiki (i ka makahiki 2016) i kahi hui pū o kāu IRA tradition a me kā Roth IRA. Ināʻoe he 50 aʻoi paha, hiki iāʻoe ke puʻi i kahi $ 1,000 keu ma luna o kēlā palena.
ʻO nā hua'ōlelo'ē aʻe,ʻo kāu kālā makahiki i kāu Roth IRA me kāu IRA Iulāʻaʻole hiki ke hoʻonui i $ 5,500 inā 49ʻoe ma lalo, aiʻole $ 6,500 inā 50ʻoe aʻoi paha.
ʻO kekahi mau hōʻailona:ʻO Sally, 25 makahiki, hāʻawi i $ 5,500 i kona Roth IRA. ʻAʻole iʻaeʻiaʻo ia e hāʻawi i kekahi mea i kona IRA I kēlā makahiki.
ʻO John, he 57 makahiki, hāʻawi i $ 2,500 i kona Roth IRA a me $ 4000 i kona IRA Iā.
ʻO Benny, 44 makahiki, hāʻawi i $ 5,499 i kona Roth IRA a $ 1 i kāna IRA mau.
Hiki iāʻoe ke hoʻokumu i kahi'IRA tradition a me Roth IRA pūnaewele. Akā,ʻo kāu mea hana wale nō ke kūkulu iā SEP-IRA iāʻoe. Hoʻohana pinepineʻiaʻo SEP-IRA e ka poʻe hanaʻoihana aʻoihana paha.
Hiki iāʻoe ke hāʻawi i kahi kālā he 25% o kāu uku i kahi SEP-IRA - no laila, inā ukuʻiaʻoe he $ 80,000, hiki i kāu mea hoʻohana ke hāʻawi i $ 20,000 i kāu SEP-IRA.
Ke hoʻohanaʻia nei hoʻi ka IRA SIMPLE e nāʻoihana liʻiliʻi me 100 mau kānakaʻoihana aʻoi aʻe paha. Hāʻawiʻia nā haʻawina i ka SIMPLE IRA me nā kālā mua mua.
2016 Nā Lā Kuhi
Aia kekahi mau manawa ke hoʻoholo nei ka IRS e hoʻonui i nā palena palena o ka hoʻomaha , akā naʻeʻaʻole nui ka hoʻonuiʻana mai ka makahiki i hala.
Eia nā palena o ka wā e hiki ai iāʻoe ke hoʻomau ma ke ala me kāu mau pahuhopu:
401k - $ 18,000
E pili ana kēia i nā papahana Roth a me nā tradition 401k. E pili ana hoʻi ia i nā kākoʻo pili 401k, i kapaʻia he 403b a me ka 457.
Ināʻoe he 50 aʻoi paha, hiki iāʻoe ke hoʻonui i $ 6,000 i ka palena kiʻekiʻe - no ka $ 24,000 a pau e hiki iāʻoe ke hoʻokuʻu i kahi 401k.
SEP-IRA - $ 53,000
E makaʻala wale - uaʻae waleʻiaʻoe e hāʻawi i ka palena he 25% o kāu uku waiwai, a hiki i ka huina kālā he $ 53,000.
Kahi Kuʻuna a me Roth IRA, IRA ILE - $ 5,500
Hiki iāʻoe ke hāʻawi i $ 5,500 wale nō i kahi hui o kāu Traditional and Roth IRA, aiʻole $ 6,500 inā 50 aʻoi aʻeʻoe. Hiki iāʻoe ke hāʻawi i $ 12,500 i kahi SIMPLE-IRA, aiʻole $ 15,500 ināʻoe he 50 aʻoi paha.