chiShona · machine translation, not independently reviewed
Zvirongwa zvekuzorora zvevatyairi vetaxi
Mutyairi wetaxi kana welivery anobhadharwa semucontractor akazvimirira haawane 401(k) yemubati. Varidzi vemedallion nevatyairi vanorenda kabhi kazhinji vari muboka iroro. Akaunti yekuzorora ndiyo yaunovhura iwe, uye kuisa kunoenderana nepuropfiti yakasarira mushure memari yekushanda. Kunyoresa hakuvhuri akaunti idzi nhasi. Shanduro yemuchina, isina kuongororwa zvega.
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Varidzi vemedallion nevatyairi verenti
Mutyairi anochengeta fare uye anobhadhara renti, chikwereti chemedallion, kana zvese kazhinji anozvishandira. Mutyairi ari pamubhadharo wefleet ane mutero wakabatwa mushandi, uye peji iri harisi nezvebasa iroro. Muridzi anozvishandira nemutyairi werenti vanogamuchira 1099 vanogona kushandisa akaunti dzefanana dzekuzvishandira. Mari yerenti inodzikisa purofiti yakasarira, saka inodzikisa huwandu SEP IRA kana Solo 401(k) inogona kutora. Akaunti idzi hadzivhurwi nhasi nekunyoresa.
Roth IRA, SEP IRA, neSolo 401(k)
Roth IRA inotora kusvika $7,500 muna 2026, kana $8,600 pazera re50 kana kupfuura, kana mari yako iri pasi pekuderedzwa. SEP IRA mari yemubati chete, inenge 20% yemari yakasarira yekuzvishandira mushure mekugadzirisa kwePublication 560, yakaganhurirwa pa$72,000. Solo 401(k) inowedzera kuisa kwemushandi kwe$24,500 pamusoro pechikamu chakafanana chemubati, uye inoda kuti usave nevashandi kunze kwemudzimai kana murume. Nhamba idzi dzinobva kuIRS Notice 2025-67. Idzi miganhu, haisi fungidziro yezvo akaunti ichawana. Hadzivhurwi nhasi.
Social Security ichiri kuverengwa
Mutero wekuzvishandira unosanganisira 12.4% yeSocial Security, kusvika wage base, pa92.35% yepurofiti yakasarira. Ndiyo nzira mari yefare inonyorwa parekodhi rako reSocial Security. Haitsivi akaunti yekuzorora yaunopa iwe pachako. Social Security Administration inotsanangura mitemo yekuzvishandira muchinyorwa chayo chekuzvishandira.
Mibvunzo inowanzo bvunzwa
Vatyairi vetaxi vanowana 401(k) here?
Vatyairi vevacontactor vakazvimirira havawani imwe kubva kukambani yekabhi. Vashandi vefleet vanogona. Kana uchibhadharwa pa1099, unovhura yako pachako Roth IRA, SEP IRA, kana Solo 401(k). Kunyoresa hakuzvivhuri nhasi; dzinoramba dziri parunyorwa rwekumirira.
Medallion inoshandura akaunti yandingavhura here?
Medallion chinhu chebasa. Haizvisarudzi akaunti yoga. Chinokosha ndechekuti mari iri yekuzvishandira uye, kuSolo 401(k), kuti usave nevashandi kunze kwemudzimai kana murume. Akaunti haivhurwi nhasi.
Ndingaisa kana mamwe mavhiki achinonoka here?
Hongu. Kuisa kweIRA neSEP kunogona kuitwa kusvika pazuva rekupedzisira rekutumira mutero wegore iroro, kusanganisira kuwedzerwa kweSEP. Haufaniri kuisa huwandu humwe chete vhiki rega rega. Akaunti hadzivhurwi nhasi nekunyoresa.
Dzidzo chete, haisi zano remutero, remutemo, kana rekuisa mari. Gigaverse haisi bhangi uye haisi mupi wezano rekuisa mari wakanyoreswa. Brokerage, kana akaunti iripo, inopfuura broker-dealer ari nhengo yeFINRA neyeSIPC. Hapana kudzoka kwemari kwakavimbiswa. Kunyoresa kwemahara, hapana muripo wekunyoresa. Kunyoresa hakuvhuri Solo 401(k), SEP IRA, kana Roth IRA. Akaunti idzodzo dzinoramba dziri parunyorwa rwekumirira. Shanduro yemuchina, isina kuongororwa zvega.