isiXhosa · machine translation, not independently reviewed
Izicwangciso zomhlala-phantsi zabaqhubi beteksi
Umqhubi weteksi okanye welivery ohlawulwa njengekontraka ezimeleyo akafumani 401(k) yomqeshi. Abanini be-medallion nabaqhubi abaqesha iteksi bahlala kuloo qela. Iakhawunti yomhlala-phantsi yile oyivulayo, kwaye umnikelo usekelwe kwinzuzo esulungekileyo emva kweendleko zokusebenza. Azivulwa namhlanje kubhaliso. Uguqulelo ngomatshini, akuhlolwanga ngokuzimeleyo.
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Abanini be-medallion nabaqhubi abaqeshayo
Umqhubi ogcina ixabiso lokukhwela kwaye uhlawula ukuqesha, umboleko we-medallion, okanye zombini ngokubanzi uzimele. Umqhubi kumvuzo weqela obanjwa irhafu ngumqeshwa, kwaye eli phepha alimalunga naloo msebenzi. Bobabini umnini-mqhubi nomqhubi oqeshayo abafumana i-1099 banokusebenzisa iiakhawunti ezifanayo zabasebenzi abazimeleyo. Intlawulo yokuqesha yehlisa inzuzo esulungekileyo, ngoko ke yehlisa indlela i-SEP IRA okanye i-Solo 401(k) enokuyithatha. Azivulwa namhlanje.
I-Roth IRA, i-SEP IRA, ne-Solo 401(k) zomqhubi weteksi
I-Roth IRA ithatha ukuya ku-$7,500 ngo-2026, okanye $8,600 ubudala obuyi-50 nangaphezulu, ukuba ingeniso yakho ingaphantsi kokucuthwa. I-SEP IRA yimali yomqeshi kuphela, malunga ne-20% yengeniso esulungekileyo yomsebenzi ozimeleyo emva kolungiso lwe-Publication 560, inomda we-$72,000. I-Solo 401(k) yongeza ukulibazisa komqeshwa okuyi-$24,500 ngaphezu kwesabelo somqeshi esifanayo, kwaye ifuna ukuba ungenabasebenzi ngaphandle komlingane. Ezi manani zivela kwi-IRS Notice 2025-67. Zimida, hayi uqikelelo lokuba iakhawunti iya kufumana ntoni. Azivulwa namhlanje kubhaliso.
I-Social Security isabalwa
Irhafu yomsebenzi ozimeleyo ibandakanya i-12.4% ye-Social Security, ukuya kwisiseko somvuzo, kwi-92.35% yenzuzo esulungekileyo. Yiyo ndlela ingeniso yexabiso lokukhwela ibhalwa kwirekhodi yakho ye-Social Security. Ayithathi indawo yeakhawunti yomhlala-phantsi oyixhasayo ngokwakho. I-Social Security Administration icacisa imigaqo yabasebenzi abazimeleyo kupapasho lwayo lomsebenzi ozimeleyo.
Imibuzo ebuzwa rhoqo
Ngaba abaqhubi beteksi bafumana i-401(k)?
Abaqhubi beekontraka ezimeleyo abayifumani kwinkampani yeteksi. Abaqeshwa beqela banokuyifumana. Ukuba uhlawulwa ku-1099, uvula eyakho i-Roth IRA, i-SEP IRA, okanye i-Solo 401(k). Azivulwa namhlanje kubhaliso.
Ngaba i-medallion itshintsha ukuba yeyiphi iakhawunti endinokuyivula?
I-medallion yimpahla yeshishini. Ayikhethi iakhawunti ngokwayo. Okubalulekileyo kukuba ingeniso yingeniso yomsebenzi ozimeleyo kwaye, kwi-Solo 401(k), ungenabasebenzi ngaphandle komlingane.
Ndingafaka ukuba ezinye iiveki zicotha?
Ewe. Iminikelo ye-IRA neye-SEP inokwenziwa ukuya kumda wokufaka irhafu waloo nyaka, kubandakanya izandiso ze-SEP. Akufuneki ufake isixa esifanayo ngeveki nganye. Azivulwa namhlanje kubhaliso.
Imfundo kuphela, ayisiyongcebiso yerhafu, yomthetho, okanye yotyalo-mali. IGigaverse ayiyobhanki kwaye ayilomcebisi wotyalo-mali obhalisiweyo. Xa kukho iakhawunti ye-brokerage, inikezelwa nge-broker-dealer elilungu le-FINRA nele-SIPC. Akukho mbuyekezo iqinisekisiweyo. Ukubhalisa kusimahla, akukho mrhumo wokubhalisa, kwaye ukubhalisa akuvuli i-Solo 401(k), i-SEP IRA, okanye i-Roth IRA. Ezo akhawunti zihlala kuluhlu lokulinda. Uguqulelo ngomatshini, akuhlolwanga ngokuzimeleyo.