Chichewa · machine translation, not independently reviewed
Mapulani a penshoni a oyendetsa a taxi
Woyendetsa wa taxi kapena livery wolipidwa ngati wogwira ntchito wodziyimira salandira 401(k) ya employer. Eni medallion ndi oyendetsa omwe amabwereketsa taxi nthawi zambiri ali mu gulu lo. Akaunti ya penshoni ndi imodzi yomwe mumadzatsegula, ndipo choyikidwa chimachokera pa phindu lotsala pambuyo pa mtengo wogwira. Kumasulira kwa makina, sikunawunikidwa paokha.
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Eni medallion ndi oyendetsa obwereketsa
Woyendetsa amene amasunga ndalama za ulendo ndipo amalipira kubwereketsa, ngongole ya medallion, kapena zonse ziwiri nthawi zambiri ndi wodziyimira paokha. Woyendetsa pa malipiro a gulu wokhala ndi kusunga msonkho ndi wogwira ntchito, ndipo tsamba ili siliri za ntchito ija. Onse mwini-operator ndi woyendetsa wobwereketsa omwe amalandira 1099 amatha kugwiritsa akaunti zomwezo zodziyimira. Malipiro a kubwereketsa amachepetsa phindu lotsala, choncho amachepetsa zingati SEP IRA kapena Solo 401(k) ingatenge. Kulembetsa pa Gigaverse sikumatsegula akaunti zo lero.
Roth IRA, SEP IRA, ndi Solo 401(k)
Roth IRA imatenga mpaka $7,500 mu 2026, kapena $8,600 pa zaka 50 ndi kuposerapo, ngati ndalama zanu zili pansi pa kuchepa. SEP IRA ndi ndalama za employer zokha, pafupifupi 20% ya phindu lodziyimira pambuyo pa kusintha kwa Publication 560, yoletsedwa pa $72,000. Solo 401(k) imawonjezera kusunga kwa wogwira ntchito la $24,500 pamwamba pa gawo lofanana la employer, ndipo imafuna kuti mulibe antchito ena kupatula mkazi kapena mamuna. Nambala izi ndi za IRS Notice 2025-67. Ndi malire, osati chiwonetsero cha zomwe akaunti idzapindule. Kulembetsa sikuzitsegula lero.
Social Security imakhalabe kuwerengedwa
Msonkho wodziyimira umphatikizapo 12.4% ya Social Security, mpaka maziko a malipiro, pa 92.35% ya phindu lotsala. Ndi momwe ndalama za ulendo zimalembedwa pa mbiri yanu ya Social Security. Sililowa m'malo mwa akaunti ya penshoni yomwe mumayika nokha. Social Security Administration imafotokoza malamulo a odziyimira mu buku lake la kudziyimira.
Mafunso omwe amafunsidwa kawirikawiri
Kodi oyendetsa a taxi amalandira 401(k)?
Oyendetsa ogwira ntchito odziyimira salandira imodzi kuchokera ku kampani ya taxi. Antchito a gulu angalandire. Ngati mumalipidwa pa 1099, mumadzatsegula Roth IRA yanu, SEP IRA, kapena Solo 401(k) pa brokerage. Kulembetsa pa Gigaverse sikuzitsegula lero; zikhalabe pa mndandanda woyembekezera.
Kodi medallion imasintha akaunti iti yomwe ndingatsegule?
Medallion ndi katundu wa bizinesi. Siisankha akaunti yokha. Chomwe chimawerengedwa ndi chakuti ndalama ndi zodziyimira ndipo, pa Solo 401(k), kuti mulibe antchito ena kupatula mkazi kapena mamuna.
Kodi nditha kuyika ngati masabata ena ndi ochepa?
Inde. Zoyikidwa za IRA ndi SEP zingapangidwe mpaka tsiku lomaliza lopereka msonkho la chaka cho, kuphatikiza kukulitsa kwa SEP. Simuyenera kuyika kuchuluka komweko sabata iliyonse.
Maphunziro okha, si upangiri wa msonkho, wa malamulo, kapena wa ndalama zoyika. Gigaverse si banki ndipo si mlangizi wolembetsedwa wa ndalama zoyika. Brokerage, ngati akaunti ilipo, imapita kudzera pa broker-dealer wa membala wa FINRA ndi SIPC. Palibe phindu lovomerezeka. Kulembetsa ndi kwaulere, palibe ndalama zolembetsa. Kulembetsa sikumatsegula Solo 401(k), SEP IRA, kapena Roth IRA. Akaunti zo zikhalabe pa mndandanda woyembekezera. Kumasulira kwa makina, sikunawunikidwa paokha.