Shakhsiyaadka qaarkood ayaa ku darsan kara $ 24,000 illaa 401 (k) Qorshe
Hadda qaado neefta oo dib ugu noqo xaqiiqda. Haa, waad sameyn kartaa dhammaan arrimahan, laakiin IRS looma ogola deeqsinimo aan xadidnayn.
Waxaad kaliya ku darsan kartaa canshuur la'aan 401 (k) ilaa xadka qaarkood sannadkii. Dabcan, wax badan ayaad ka qayb qaadan kartaa haddii aad jeceshahay, laakiin laguma siin doono cashuurta canshuurta.
2016 iyo 2017
Sannad kasta, IRS waxay xadeyneysaa xaddiga ugu badan ee aad ku sameyn karto qorshahaaga 401 (k) . Sicir-bararka ayaa ahaa mid xasilloonaa sannadka 2016-ka markaasna xadka looma hagaajin. Dadku waxay ku kordhin karaan ilaa $ 18,000 sannadka 2017 iyagoo ah mushahar mushahar ah oo u dhigma qorshaha 401 (k), isla sidii ay karti u yeelan karaan 2016. Laakiin haddii aad tahay 50 jir ama ka weyn, waxaad samayn kartaa lacag dheeraad ah oo ah "qabashada" oo ah $ 6,000.
Xaddiga ka-qaybgalka ayaa taariikh ahaan loo dejiyay marxaladaha soo socda:
| 401 (k) Caqabada ka qaybgalka Sanadka | ||||
| Sannad | Xadka Xaddidan ee Mushaharka Gaarka ah | Kaqaybgalka canshuurta haddii da'diisu tahay 50 jir ama ka weyn | Wadarta Xaddidnaanta Kaqaybqaataha Shaqaalaha | Xigasho |
| 2017 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2016-141 |
| 2016 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2015-118 |
| 2015 | $ 18,000 | $ 6,000 | $ 24,000 | IR-2014-99 |
| 2014 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2013-86 |
| 2013 | $ 17,500 | $ 5,500 | $ 23,000 | IR-2012-77 |
| 2012 | $ 17,000 | $ 5,500 | $ 22,500 | IR-2011-103 |
| 2011 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2010-108 |
| 2010 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2009-94 |
| 2009 | $ 16,500 | $ 5,500 | $ 22,000 | IR-2008-118 |
Xaddidku wuxuu khuseeyaa dhammaan 401 (k) xisaabaadyada laga yaabo inaad sanadka hadda ku jirtaan. Haddii aad ka shaqeyso labo ama in ka badan shaqooyin ama shaqooyinka badalaya bartamaha sannadka, waxaa laga yaabaa in aad raadsato tabarradaada 401 (k) si aad u hubiso in aysan ka badneyn ugu badnaan lakulanka mooyee haddii aadan maskaxdayn inaad ka qayb qaadatid canshuuraha canshuurta .
Iyada oo ku xiran da'daada, tani macnaheedu maaha in wax badan la dareemo.
Haddii aad ku kordhin karto ugu badnaantii, waxaa suurtagal ah in la jabiyo xaddidaadda sanadlaha ee hoos u dhigma isku mid ah mudadii mushahar bixinta. Waxaad kaydsan doontaa isla lacagtaas isla marxaladood oo dhan isla markaana waxay noqon doontaa qarashka-qarashka ku baxaya maalgashigaaga hawlgabka.
Bixinta mushaharka ee la kala dooran karo ayaa lagu dari karaa canshuur celin ah 401 (k) ama canshuurta ka dib Roth 401 (k) . Waxaad xitaa ka dhigan kartaa isku-darka wax-qabadka labadaba dhaqameedyada iyo Roth labadaba illaa inta wadarta dhamaan mushaharka mushaharku uu le'eg yahay ama ka yar yahay kan ugu sarreeya.
Hawlahaaga Loo-shaqeeyaha
Isku-darka tabarrucaadka loo-shaqeeyahaagu wuxuu ku kooban yahay 25 boqolkiiba mushaharkaaga. Haddii aad iskaa u shaqeysato oo aad maal-galiso 401 (k), saamiga u dhigma wuxuu ku kooban yahay 20 boqolkiiba dakhligaaga iskii u shaqeysta. Miisaaniyada la isku dhafay marwalba waxaa ka mid ah qaybta canshuur celinta ee qorshaha 401 (k).
Isugeynta mushaharka mushaharka ee la doorto iyo ku-darsiga loo-shaqeeyaha ee ku-meel-gaadhka ah wuxuu ku kooban yahay $ 54,000 sannadka 2017.
Xadeynta Dhamaadka Dhamaadka
Waxaad ka dhigi kartaa tabarucyada dib u celinta mushaharkaagii ugu dambeeyay ee sanadka, laakiin waqtigaaga kama dambaysta ah waa bisha Dec 31 ee loogu talagalay 401 (k) lacagaha canshuuraha sanadaha 2016 iyo 2017.