Shakhsiyaadka waxay kaydin karaan illaa $ 18,500 sanadkiiba illaa 403 (b) qorshe ah illaa 2018
Inta badan canshuur bixiyuhu wuxuu ku darsan karaa sidii loo kala dooran lahaa 403 (b) qorshe waa $ 18,000 illaa 2017, laakiin haddii aad tahay 50 jir ama ka weyn, waxaad ku dallici kartaa $ 6,000 oo dheeraad ah oo ah "lacag-qabsi". Loo-shaqeeyayaashu waxay ku darsan karaan boqolkiiba 25 mushaharka mushaharka sanadlaha ah sida deeqda u dhiganta. Isugeynta dakhliga la doorto iyo deeqda la midka ah waxay ku kooban tahay $ 54,000 illaa 2017, laakiin xuduudahaan waxaa lagu qiyaasaa sicirbararka.
Tani waxay ka dhigan tahay in laga yaabo in la filayo inay kor u qaadaan si joogto ah si ay ula socdaan dhaqaalaha.
Jaantusku wuxuu kaa caawin karaa inaad ku dhajiso dhamaanba aragtida taariikhiga ah. Waxaad arki doontaa in xadka aan la kordhin tan iyo 2009-kii, laakiin waxay si wayn kor ugu qaadeen si loo dhigo sicir-bararka iyo dhaqaalaha, ugu yaraan ilaa xad.
| 403 (b) Xaddidnadda Qodobka 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 |
Xadka 2018
Xaddiga mushaar bixinta mushaharka ee la doorto wuxuu kordhiyaa ilaa $ 18,500 ee sanadka 2018. Xadka xaddidan ayaa weli ah $ 6,000. Wadarta xaddiga shaqaalaha ee xaddidan waxay sidoo kale ku sugantahay $ 24,000 ugu yaraan hal sano oo dheeraad ah.
Xaddidnaanta Codsashada Laba Xeer
Xadkaan waxaa lagu dabaqi karaa 403 (b) iyo 401 (k) labadaba canshuur bixiyuhu wuxuu yeelan karaa sanadka dhexdiisa. Haddii si kale loo dhigo, haddii aad ka shaqeysid laba ama in ka badan shaqooyin ama shaqooyinka badalaya bartamaha sanadka, waxaa laga yaabaa inaad u qaadatid wakhti si aad ula socotid waxtarkaaga 401 (k) iyo 403 (b) qorshayaasha lagu hubinayo inaad ha ku darin wax ka badan lacagtii la oggol yahay.
Qaar ka mid ah Talooyin ku saabsan Joojinta Xadka
Waxay noqon kartaa mid sahlan in la jebiyo xadka sanadlaha ee lacagta doollarka ah ee loo xisaabiyo muddada lacag bixinta haddii aad qorsheyneyso inaad ku kordhiso lacagta ugu badan ee la oggol yahay. Tani waxay kuu oggolaaneysaa inaad kaydiso isla lacagta inta la bixinayo oo dhan, isla markaana waxay noqon doontaa $-qadar-qiyaasta lacagta aad ku darsatay maalgashigaaga hawlgabka. Waxaad samayn kartaa tan adigoo qaadanaya qadarka lacagta sanadkaaga oo aad u qeybisid wadarta tirada saacadaha mushaharka sanadka gudihiisa.
Gaashaan doorasho ah
Dugsi latixin ah ayaa si gooni ah loogu daaweynayaa tabarucaha loo-shaqeeyaha ee u dhigma. Mid kastaa wuxuu leeyahay xaddidaadiisa iyo daaweynta canshuurta. Bixinta mushaharka ee la doorto ayaa loo dhigi karaa canshuur celin-celin 403 (b) ama canshuur ka dib Roth 403 (b) koontada, ama isku-dar ah xisaabaadka dhaqameedka iyo Roth, ilaa inta wadarta dhammaan mushaharka mushaharka la mid ah ama ka yar yahay kan ugu sarreeya.
Isku-darka tabarrucaadka loo-shaqeeyahaagu wuxuu ku kooban yahay 25 boqolkiiba mushaharkaaga. Lacagta isku dhafan waxaa had iyo jeer lagu daraa qaybta canshuurta dib u celinta ee qorshahaaga 403 (b).
Wadarta mushaharkaaga dakhliga ah ee la kala dooranayo iyo tabarucaha loo-shaqeeyaha ayaa ku xaddidan $ 54,000 ee sanadka 2017. Qadarkan waa $ 1,000 oo ah $ 53,000 oo xaddidan oo lagu dabaqay 2016 iyo 2015.
Ogsoonow: Had iyo jeer la tasho xirfadle canshuur ahaan macluumaadka ugu dambeeyey iyo isbeddellada. Shuruucda canshuuraha iyo sharciyada ayaa isbeddeli kara. Maqaalkani ma aha la-talin canshuureed looguma talagelin inuu yahay talada canshuurta.