Fahmitan Xaddidaadaha Xogta ee Xogta iyo Taariikhda
Xaddidnaanta Kharashka IRA-da iyo Roth IRA-dhaqameed
| SANAD SANADKA | DA'DA 49 & TAHAY | AGE 50 & HORUMARINTA |
| 2002-2004 | $ 3,000 | $ 3,500 |
| 2005 | $ 4,000 | $ 4,500 |
| 2006-2007 | $ 4,000 | $ 5,000 |
| 2008 | $ 5,000 | $ 6,000 |
| 2009 | $ 5,000 | $ 6,000 |
| 2010 | $ 5,000 | $ 6,000 |
| 2011 | $ 5,000 | $ 6,000 |
| 2012 | $ 5,000 | $ 6,000 |
| 2013 | $ 5,500 | $ 6,500 |
| 2014 | $ 5,500 | $ 6,500 |
| 2015 | $ 5,500 | $ 6,500 |
| 2016 | $ 5,500 | $ 6,500 |
| 2017 | $ 5,500 | $ 6,500 |
| 2018 | $ 5,500 | $ 6,500 |
Markaad baarayso xuduudahaan, waxaad u badan tahay inaad aragto in xaddiga ku-biiritaanka dhaqaalaha ee IRA iyo xaddiga deeqaha Roth IRA waxaa lagu qorayaa canshuurta canshuurta ee Maraykanka si ay marwalba isku mid yihiin. Maalgaliye wuxuu gacan ka geysan karaa mid dhaqameedka IRA ama Roth IRA, ama kala qaybsanaantii labada dhinacba, laakiin xaddidaadda sanadlaha ah ee la isku darey ayaa weli khuseysa. Tusaale ahaan, sannadka 2017, haddii aad tahay 28 jir, waxaad ku dari kartaa wadarta $ 5,500 oo ah IRA-gaaga ama Roth IRA-gaaga iyada oo aan ka badneyn xaddiga ku-deeqidda iyo in lagu garaaco ganaaxyo waaweyn.
Haddii si kale loo dhigo, haddii aad $ 2,000 dhigtay IRA dhaqameed, ma gelin kartid $ 3500 Roth IRA isla sannadkaasi.
Dhinaca kale, waxaad ku xisaabtami kartaa lacagta ugu badan ee Roth IRA iyo IRA-da caadiga ah oo waliba ka faa'iideysto qorshaha hawlgabka kale ee loo-shaqeeyaha, sida 401 (k) , 403 (b) , SIMPLE IRA , ama xitaa SEP -IRA
(Wixi warar dheeraad ah oo ku saabsan xisaabaadka hawlgabka, akhri tilmaamahayga Hagaajinta Xisaabtanka Xisaabta .)
Sidee loo xaddidaa Xaddiga Kaalmaynta IRA?
Sida ku xusan sharciga, IRA-du iyo Roth IRA-ku-dhaqameed ayaa lagu qadarinayaa heerka sicir-bararka ee $ 500 kordhinta. Tani waa sababaha xaddidaadda ku-darka ah aysan kordhi sanadaha qaarkood; sicir bararku ma ahan mid sare oo ku filan si loo yareeyo kororka soo socda si ay u sii socoto.
Fadlan ogsoonow in labada xaddidan ee IRA iyo Roth IRA ay labaduba yihiin "isticmaalka-ama-lumis-". Uma sii dallaci kartid sanadka soo socda. Waqtiga kama dambaysta ah ee la xaddidayo xaddiga deeqda ayaa ah canshuur celinta ugu horreysa, inta badan 15-ka bisha Abriil, haddii aysan dhaceynin dhammaadka wiigga. Tusaale ahaan, haddii aad rabto inaad xisaabiso xisaabtaada hawlgabka illaa inta ugu badan ee laguu ogolaanayo sanadka 2017, waxaad lahaan lahayd ilaa Abriil 17, 2017, si aad u hesho lacagta xisaabta.
Maalgalinta dhaqankaaga iyo / ama Roth IRAs
Markaad maalgeliso IRA-da dhaqankaaga ama Roth IRA, saamiyadu uma baahna in la sameeyo hal isku-laab ah hal mar. Tusaale ahaan, haddii aad tahay 55 sanno 2016, waxaanad rabtay inaad $ 125 ka qaadato koontadaada koontada si aad u hesho isbuuc kasta si aad u maalgeliso xisaabta Roth IRA, waad sameyn kartaa.
Marka la gaaro dhamaadka sanadka, waxaad ku dhejin laheyd $ 6,500, taas oo inta badan laguu ogol yahay inaad wax ku biiriso.
Waxaa jira xaddidaadyo dakhli ah oo ku saabsan haddii aad amaahin karto dhaqaale ahaaneed IRA-ga oo aad qaadato canshuur dhimista ama maalgeliso Roth IRA oo dhan. Haddii aad xaq u leedahay labadaba, Roth IRA marwalba waa doorasho fiican sida Roth IRA ayaa ah meesha ugu dhow ee hoyga canshuurta ee ugu fiican ee ku yaala Mareykanka oo ah maalgashadaa caadiga ah .
Waxaa jira xeerar baddan oo ku saabsan dhaqdhaqaaqa IRA-ga iyo Roth IRAs, gaar ahaan kharashka kaaga baxaya inta aadan gaarin 59.5 sano. Haddii aad u aragto inaad u baahan tahay maalgalintaada, waxaa jira siddeed siyaabood oo aad uga fogaan karto 10% hore ee ganaax lacageed oo quseeya canshuur kasta oo laga yaabo in lagu leeyahay .