{"id":16306,"date":"2022-01-03T09:47:39","date_gmt":"2022-01-03T09:47:39","guid":{"rendered":"https:\/\/www.manaycpa.com\/?p=16306"},"modified":"2023-07-10T13:16:04","modified_gmt":"2023-07-10T13:16:04","slug":"rahat-bir-emeklilik-icin-tesviklerden-yararlanin","status":"publish","type":"post","link":"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/","title":{"rendered":"Rahat Bir Emeklilik \u0130\u00e7in Yararlanabilece\u011finiz Te\u015fvikler"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]Emeklilik d\u00f6nemi, bir ya\u015fl\u0131l\u0131k d\u00f6nemi de\u011fil, aksine \u00e7al\u0131\u015fma hayat\u0131 sonras\u0131nda aktif ve sa\u011fl\u0131kl\u0131 olarak ge\u00e7irilmesi gereken bir d\u00f6nemdir. \u00c7al\u0131\u015ft\u0131\u011f\u0131n\u0131z d\u00f6nemde erteledi\u011finiz bir\u00e7ok g\u00fczel \u015feyi emeklilik d\u00f6neminde yararlanabilece\u011finiz emeklilik i\u00e7in te\u015fvikler ile ger\u00e7ekle\u015ftirebilirsiniz.<\/p>\n<p>Bu d\u00f6nemde ya\u015fam standartlar\u0131n\u0131z\u0131 d\u00fc\u015f\u00fcrmeden iyi bir \u015fekilde ya\u015famak ve ertelediklerinizi ger\u00e7ekle\u015ftirmek sizin elinizde. Bu yaz\u0131m\u0131zda, Amerika\u2019da emekli olma yolunda, size binlerce dolar kazand\u0131rabilecek, vergi indirim stratejilerini ve emeklilik i\u00e7in te\u015fvikler inceleyece\u011fiz.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/#Genel_Bakis\" >Genel Bak\u0131\u015f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/#2021_Yilinda_Emeklilik_Planinizi_Belirleyin\" >2021 Y\u0131l\u0131nda Emeklilik Plan\u0131n\u0131z\u0131 Belirleyin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/#Start_Up_Kredisi\" >Start Up Kredisi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/#Otomatik_Kayitta_Avantaj\" >Otomatik Kay\u0131tta Avantaj<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/#Roth_IRA_Daha_Karli_Olabilir\" >Roth IRA Daha Karl\u0131 Olabilir<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.manaycpa.com\/tr\/rahat-bir-emeklilik-icin-tesviklerden-yararlanin\/#Ozet\" >\u00d6zet<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Genel_Bakis\"><\/span><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW204116194 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW204116194 BCX0\">Genel Bak\u0131\u015f<\/span><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bu makalede i\u015fleyece\u011fimiz konular;<\/p>\n<ul>\n<li>31 Aral\u0131k\u2019tan \u00f6nce emeklilik plan\u0131n\u0131z\u0131 olu\u015fturarak \u00e7al\u0131\u015fan ve i\u015fveren katk\u0131s\u0131ndan yararlanma,<\/li>\n<li>\u0130\u015fletmenizin, sizi ve \u00e7al\u0131\u015fanlar\u0131n\u0131z\u0131 kapsayan bir emeklilik plan\u0131 olu\u015fturmas\u0131n\u0131 sa\u011flamak ve bu sayede 15,000 dolarl\u0131k vergi indiriminden yararlanma,<\/li>\n<li>Traditional IRA\u2019yi Roth IRA\u2019ye \u00e7evirmenin avantajlar\u0131, olacak.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2021_Yilinda_Emeklilik_Planinizi_Belirleyin\"><\/span><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW204116194 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW204116194 BCX0\"><span class=\"TextRun SCXW209086052 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW209086052 BCX0\">2021 Y\u0131l\u0131nda Emeklilik Plan\u0131n\u0131z\u0131 Belirleyin<\/span><\/span><\/span><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hali haz\u0131rda emeklilik i\u00e7in te\u015fvikler ile beraber uygulad\u0131\u011f\u0131n\u0131z bir emeklilik plan\u0131n\u0131z var m\u0131? Cevap hay\u0131rsa, bir miktar nakitle ve size uygun bir emeklilik plan\u0131yla 2021 y\u0131l\u0131nda vergi indiriminden yararlanabilirsiniz.<\/p>\n<p>Bunlardan <strong>401(k)<\/strong>, bir\u00e7ok Amerikal\u0131 i\u015fverenin sundu\u011fu, tasarruf sahibine bir\u00e7ok vergi avantaj\u0131 sunan bir emeklilik plan\u0131d\u0131r. 401(k)\u2019a kaydolan bir \u00e7al\u0131\u015fan, her ay maa\u015f\u0131n\u0131n belli bir y\u00fczdesini, do\u011frudan bir yat\u0131r\u0131m hesab\u0131na \u00f6denmesini kabul eder. Vergilendirme zaman\u0131na g\u00f6re farkl\u0131l\u0131k g\u00f6steren, Traditional ve Roth olmak \u00fczere 2 adet 401(k) vard\u0131r. Bu sistemi, T\u00fcrkiye\u2019de uygulanan bireysel emeklilik sistemine (BES) benzetmek m\u00fcmk\u00fcn.<\/p>\n<p><strong>Traditional 401(k)<\/strong>\u2019de, \u00e7al\u0131\u015fandan yap\u0131lacak kesintiler vergi \u00f6ncesi yap\u0131l\u0131r, yani vergiye tabi geliri azalt\u0131r. Bu durumda, o y\u0131l i\u00e7in yap\u0131lan toplam katk\u0131 tutar\u0131, vergi indirimi olarak rapor edilir. \u00c7al\u0131\u015fan, genellikle, emeklilikte paray\u0131 \u00e7ekene kadar, yat\u0131r\u0131lan para veya kazan\u00e7lar i\u00e7in vergi \u00f6demez.<\/p>\n<p><strong>Roth 401(k)<\/strong>\u2019da ise katk\u0131lar, \u00e7al\u0131\u015fan\u0131n, vergi sonras\u0131 gelirinden d\u00fc\u015f\u00fcl\u00fcr. Bu durumda, katk\u0131n\u0131n yap\u0131ld\u0131\u011f\u0131 y\u0131lda vergi indirimi yoktur. Emeklilikte para \u00e7ekildi\u011finde, \u00e7al\u0131\u015fan katk\u0131s\u0131 veya kazan\u00e7lar\u0131 i\u00e7in vergi \u00f6demez. Bir\u00e7ok emeklilik d\u00fczenlemesine g\u00f6re, corporation veya sole proprietorship fark etmeksizin hem \u00e7al\u0131\u015fan hem de i\u015fveren say\u0131l\u0131rs\u0131n\u0131z. Bu sayede 2 kesime de sa\u011flanan haklardan faydalanabilirsiniz. Vergi plan\u0131n\u0131z\u0131, \u00e7al\u0131\u015fan ve i\u015fveren katk\u0131lar\u0131n\u0131 ayn\u0131 anda almak \u00fczere yapmak \u00e7\u0131kar\u0131n\u0131za olacakt\u0131r.<\/p>\n<p>Bir S-Corp firmas\u0131na sahip oldu\u011funuzu ve 2021 y\u0131l\u0131 i\u00e7in, bireysel 401(k) emeklilik plan\u0131 kapsam\u0131nda, indirimlerden faydalanmak istedi\u011finizi varsayal\u0131m. Bu takvim y\u0131l\u0131 i\u00e7in maksimum 401(k) kesintiyi elde etmek i\u00e7in, 31 Aral\u0131k&#8217;ta veya \u00f6ncesinde bireysel bir 401(k) plan\u0131n\u0131z olmal\u0131d\u0131r.<\/p>\n<p>E\u011fer S-Corp\u2019unuz i\u00e7in, 31 Aral\u0131k 2021 tarihinden \u00f6nce y\u00fcr\u00fcrl\u00fckte olan bir 401(k) plan\u0131n\u0131z varsa, ki\u015fisel \u00e7al\u0131\u015fan katk\u0131 pay\u0131n\u0131z\u0131, 31 Aral\u0131k 2021\u2019de veya \u00f6ncesinde yapabilirsiniz. Ayr\u0131ca, i\u015fveren katk\u0131 pay\u0131n\u0131z\u0131, 31 Aral\u0131k\u2019ta veya \u00f6ncesinde ya da 2021 y\u0131l\u0131 i\u00e7in vergi beyannamesini vadesi gelmeden, 15 Mart 2022 tarihinden \u00f6nce yapabilirsiniz.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Start_Up_Kredisi\"><\/span><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW204116194 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW204116194 BCX0\"><span class=\"TextRun SCXW209086052 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW209086052 BCX0\">Start Up Kredisi<\/span><\/span><\/span><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vergi indirimleri ve muafiyetleri, i\u015fletmenizin vergiye tabi gelirini azalt\u0131rken, vergi kredileri, i\u015fletmenizin, bor\u00e7lu oldu\u011fu vergiyi azalt\u0131r. ABD H\u00fck\u00fcmeti, belirli sekt\u00f6rleri te\u015fvik etmek i\u00e7in bu vergi kredilerini verir. Daha fazla i\u015fletmenin emeklilik tasarruf plan\u0131 sunmas\u0131 veya var olan\u0131 geli\u015ftirmesi i\u00e7in, yasa koyucular, yeni G\u00fcven Yasas\u0131 (SECURE Act)\u2019a vergi kredisi(te\u015fviki) eklemi\u015ftir.<\/p>\n<p>SECURE Act\u2019da yer alan bu vergi kredisi g\u00fcncellemesine ve k\u00fc\u00e7\u00fck i\u015fletmelerin bundan nas\u0131l faydalanabilece\u011fine bir g\u00f6z atal\u0131m:<\/p>\n<p>\u00d6nceki yasada, \u015fartlar\u0131 sa\u011flayan k\u00fc\u00e7\u00fck i\u015fletmeler, maliyetlerinin %50\u2019sini, \u00fc\u00e7 y\u0131l boyunca, y\u0131ll\u0131k en fazla 500 ABD dolar olmak \u00fczere, vergi kredisi olarak talep edebiliyorlard\u0131. Bu, \u00fc\u00e7 y\u0131lda toplam 1500 dolar vergi kredisi anlam\u0131na gelir.<\/p>\n<p>Bu te\u015fvikten yararlanmak i\u00e7in gereken \u015fartlar;<\/p>\n<ul>\n<li>\u00d6nceki y\u0131l i\u00e7in sizden en az 5.000 dolar maa\u015f alan 100 veya daha az \u00e7al\u0131\u015fan,<\/li>\n<li>Emeklilik plan\u0131 kat\u0131l\u0131mc\u0131s\u0131 olup, y\u00fcksek \u00fccret almayan \u00e7al\u0131\u015fan (NHCE),<\/li>\n<li>\u0130\u015fletmenizin ilk y\u0131l\u0131ndan \u00f6nceki 3 vergi y\u0131l\u0131nda, sizin taraf\u0131n\u0131zdan sunulan \u00f6nceki bir plandan yararlanmam\u0131\u015f bir \u00e7al\u0131\u015fan listesi ile vergi kredisi i\u00e7in gereken \u015fartlar\u0131 sa\u011flam\u0131\u015f olursunuz.<\/li>\n<\/ul>\n<p>SECURE Act\u2019da ne de\u011fi\u015fti?<\/p>\n<p>Yap\u0131lan de\u011fi\u015fikler sonras\u0131nda, \u015fartlar\u0131 sa\u011flayan Stat-uplar\u0131n, maliyetleri i\u00e7in talep edebilecekleri vergi kredisi y\u0131ll\u0131k maksimum 500 dolardan 5000 dolara \u00e7\u0131kt\u0131. Bu durumda alabilece\u011finiz vergi kredisi:<\/p>\n<ul>\n<li>500 dolardan fazla veya,<\/li>\n<li>250 dolar \u00d7 plana kat\u0131lmaya uygun, y\u00fcksek \u00fccret almayan \u00e7al\u0131\u015fan say\u0131s\u0131 veya 5000 dolardan azd\u0131r.<\/li>\n<\/ul>\n<p>Bu kredi kapsam\u0131nda ge\u00e7erli olacak, \u2018her t\u00fcrl\u00fc ola\u011fan ve gerekli harcamalara\u2019 ise;<\/p>\n<ul>\n<li>Uygun bir i\u015fveren plan\u0131n olu\u015fturulmas\u0131 veya idaresi ya da,<\/li>\n<li>\u00c7al\u0131\u015fanlar\u0131n bu emeklilik plan\u0131 ile ilgili e\u011fitilm masraflar\u0131 giriyor.<\/li>\n<\/ul>\n<p>\u015eartlar\u0131 sa\u011flayan i\u015fletmeler, start up maliyetlerini \u00fc\u00e7 y\u0131l boyunca talep edebilirler, bu da talep edilebilecek maksimum kredinin 5000\u00d73=15 bin dolar oldu\u011fu anlam\u0131na gelir. Start up kredilerindeki bu b\u00fcy\u00fck art\u0131\u015f, k\u00fc\u00e7\u00fck i\u015fletmelerin emeklilik planlar\u0131 olu\u015fturmas\u0131n\u0131 daha hesapl\u0131 hale getiriyor.<\/p>\n<p>Vergi kredi talebini IRS 8881 Formuyla yapabilirsiniz. Yeni vergi kredisi, Setting Every Community Up for Retirement Enhancement Act of 2019 (SECURE Act) kapsam\u0131nda 31 Aral\u0131k 2019 \u2018dan sonra vergiye tabi y\u0131llar i\u00e7in y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015ftir.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;20px&#8221;][vc_raw_html]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[\/vc_raw_html][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Otomatik_Kayitta_Avantaj\"><\/span><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW204116194 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW204116194 BCX0\"><span class=\"TextRun SCXW209086052 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW209086052 BCX0\">Otomatik Kay\u0131tta Avantaj<\/span><\/span><\/span><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Secure Act\u2019ta, start up maliyetlerine y\u00f6nelik vergi kredisine ek olarak di\u011fer bir vergi kredisi de \u2018K\u00fc\u00e7\u00fck \u0130\u015fveren Otomatik Kay\u0131t Kredisi\u2019 oldu. Bu te\u015fvikin en \u00f6nemli nedeni, \u015f\u00fcphesiz, i\u015fyerinde otomatik kay\u0131t uygulamas\u0131n\u0131n, \u00e7al\u0131\u015fanlar\u0131n emeklilik sitemine kat\u0131l\u0131m\u0131n\u0131 artt\u0131rman\u0131n kan\u0131tlanm\u0131\u015f bir yolu olmas\u0131. ABD \u00c7al\u0131\u015fma Bakanl\u0131\u011f\u0131, otomatik kay\u0131t sisteminin, sisteme girmeyen %30\u2019luk bir kesimi %15\u2019in alt\u0131na itebilece\u011fi ve bunun da genel emeklilik tasarruflar\u0131n\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde art\u0131raca\u011f\u0131n\u0131 belirtiyor. T\u00fcrkiye\u2019de de Otomatik Bireysel Emeklilik Sistemi ad\u0131yla uygulanan politikalar benzer ama\u00e7lar ta\u015f\u0131yor.<\/p>\n<p>Siz de 401(k) veya SIMPLE IRA planlar\u0131 kapsam\u0131nda 2020 y\u0131l\u0131 ba\u015flang\u0131c\u0131nda otomatik katk\u0131 olarak ekledi\u011finiz, her y\u0131l i\u00e7in 500 dolar olmak \u00fczere, 3 y\u0131la kadar toplamda 1500 dolar vergi kredisi alabilirsiniz.<\/p>\n<p>Bu yeni 500 dolarl\u0131k katk\u0131, start up kredisine ektir ve hem yeni hem de mevcut emeklilik planlar\u0131na uygulanabilir. Ayr\u0131ca, krediyi aktifle\u015ftirmek i\u00e7in herhangi bir \u00fccret \u00f6demeniz gerekmez. Otomatik kay\u0131t \u00f6zelli\u011fini eklemeniz yeterlidir.<\/p>\n<p>Bu krediden yararlanmak i\u00e7in gereken \u015fartlar ise;<\/p>\n<ul>\n<li>\u00d6nceki y\u0131l, en az 5.000 dolar maa\u015f alan 100 veya daha az \u00e7al\u0131\u015fan\u0131n\u0131z ve,<\/li>\n<li>Emeklilik plan\u0131 kat\u0131l\u0131mc\u0131s\u0131 olup, y\u00fcksek \u00fccret almayan (NHCE) en az bir \u00e7al\u0131\u015fan\u0131n\u0131z olmas\u0131 gerekmektedir.<\/li>\n<\/ul>\n<p>*\u00c7al\u0131\u015fan\u0131 olmayan i\u015fletmeler bu krediden yararlanamazlar.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Roth_IRA_Daha_Karli_Olabilir\"><\/span><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW204116194 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW204116194 BCX0\"><span class=\"TextRun SCXW209086052 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW209086052 BCX0\">Roth IRA Daha Karl\u0131 Olabilir<\/span><\/span><\/span><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>E\u011fer IRA yat\u0131r\u0131mlar\u0131n\u0131zdan iyi kazan\u00e7lar sa\u011fl\u0131yorsan\u0131z ve \u00f6n\u00fcm\u00fczdeki 5 y\u0131l bu paraya dokunmak gibi bir d\u00fc\u015f\u00fcnceniz yoksa, emeklili\u011finiz geldi\u011finde, finansal getiri bak\u0131m\u0131ndan Roth IRA, geleneksel IRA\u2019a g\u00f6re \u00e7ok daha avantajl\u0131 olacakt\u0131r.<\/p>\n<p>Peki Roth IRA\u2019\u0131 bu kadar \u00e7ekici k\u0131lan ne?<\/p>\n<p>\u0130\u015fte emeklilik plan\u0131n\u0131z\u0131 Roth IRA\u2019a d\u00f6n\u00fc\u015ft\u00fcrmek i\u00e7in 3 sebep:<\/p>\n<ul>\n<li>Roth IRA\u2019e yat\u0131rd\u0131\u011f\u0131n\u0131z katk\u0131 paylar\u0131n\u0131 istedi\u011finiz zaman vergi veya ceza \u00f6demeden \u00e7ekebilirsiniz, Roth IRA yapt\u0131\u011f\u0131n\u0131z katk\u0131lar, vergi \u00f6dendikten sonra yap\u0131l\u0131r.<\/li>\n<li>Geleneksel IRA\u2019den Roth IRA\u2019ya d\u00f6n\u00fc\u015ft\u00fcrd\u00fc\u011f\u00fcn\u00fcz hesab\u0131n\u0131zdan da istedi\u011finiz zaman, vergi \u00f6demeden para \u00e7ekebilirsiniz. Vergiden muaf bir da\u011f\u0131t\u0131m almak i\u00e7in, paran\u0131z, d\u00f6n\u00fc\u015f\u00fcm\u00fc yapt\u0131\u011f\u0131n\u0131z y\u0131ldan sonra en az be\u015f y\u0131l boyunca Roth IRA&#8217;da kalmal\u0131d\u0131r. Katk\u0131lar\u0131 5 y\u0131ll\u0131k s\u00fcre dolmadan \u00e7ekerseniz, %10\u2019luk Roth IRA erken para \u00e7ekme cezas\u0131 \u00f6deyebilirsiniz.<\/li>\n<li>Geleneksel IRA\u2019 den farkl\u0131 olarak, Roth IRA\u2019de 72 ya\u015f\u0131n\u0131za geldi\u011finizde \u00e7ekmek zorunda oldu\u011funuz bir minimum bir tutar (RMD) yoktur. Roth IRA\u2019deki paran\u0131za hi\u00e7 dokunmadan b\u0131rakabilir ve kazan\u00e7 sa\u011flamaya devam edebilirsiniz. Vefat etmeniz durumunda da Roth IRA, para kazand\u0131rmaya devam eder, ancak tabi ki yat\u0131r\u0131m kararlar\u0131na ba\u015fkas\u0131 karar verecektir.<\/li>\n<\/ul>\n<p>\u015eimdi paran\u0131z\u0131 Geleneksel IRA emeklilik sisteminde tutman\u0131n, potansiyel 4 maliyetine bakal\u0131m:<\/p>\n<ul>\n<li>Ya\u015f\u0131n\u0131z 59 \u00bd \u2018dan k\u00fc\u00e7\u00fckse, \u00e7ekece\u011finiz para i\u00e7in vergi ve %10 ceza \u00f6dersiniz.<\/li>\n<li>Geleneksel IRA\u2019dan para \u00e7ekti\u011finizde, b\u00fcy\u00fck vergi bor\u00e7lar\u0131yla kar\u015f\u0131la\u015fabilirsiniz.<\/li>\n<li>Geleneksek IRA\u2019da, 72 ya\u015f\u0131na gelmi\u015fseniz, istemeseniz veya ihtiyac\u0131n\u0131z olmasa bile, y\u0131ll\u0131k olarak belli bir miktar para \u00e7ekme zorunlulu\u011fu vard\u0131r.<\/li>\n<li>Vefat ettiyseniz ve aile \u00fcyelerinize geleneksel bir IRA b\u0131rakt\u0131ysan\u0131z, miras\u00e7\u0131lar\u0131n\u0131z, hesapta birikmi\u015f varl\u0131k \u00fczerinden vergi \u00f6demek zorunda kalabilirler.<\/li>\n<\/ul>\n<p>Plan\u0131n\u0131z\u0131, Roth IRA\u2019ye d\u00f6n\u00fc\u015ft\u00fcr\u00fcrken, \u00f6deyece\u011finiz vergiler i\u00e7in, nakit bulundurdu\u011funuzdan emin olun. \u00c7\u00fcnk\u00fc, bu miktar\u0131 \u00f6demek i\u00e7in mevcut 401(k)\u2019y\u0131 kullan\u0131rsan\u0131z hem gelir vergisi hem de %10\u2019luk para \u00e7ekme cezas\u0131yla kar\u015f\u0131la\u015f\u0131rs\u0131n\u0131z.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ozet\"><\/span><span style=\"font-weight: 400;\"><span class=\"TextRun SCXW204116194 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW204116194 BCX0\"><span class=\"TextRun SCXW209086052 BCX0\" lang=\"TR-TR\" xml:lang=\"TR-TR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW209086052 BCX0\">\u00d6zet<\/span><\/span><\/span><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bir emeklilik i\u00e7in te\u015fvikler ile beraber bir emeklilik plan\u0131na sahip olmak, dokunamayaca\u011f\u0131n\u0131z tasarruflar yaratmas\u0131 ve vergi avantaj\u0131 yaratarak b\u00fcy\u00fcmeyi h\u0131zland\u0131rmas\u0131 bak\u0131m\u0131ndan, bir\u00e7ok i\u015fletme sahibi a\u00e7\u0131s\u0131ndan iyi bir para stratejisidir. Hem i\u015fveren hem de \u00e7al\u0131\u015fan katk\u0131lar\u0131ndan faydalanmak i\u00e7in, 31 Aral\u0131k&#8217;tan \u00f6nce bir emeklilik plan\u0131 devreye sokmal\u0131s\u0131n\u0131z. Tek sahipli bir Corp veya proprietorship olman\u0131z buna engel de\u011fil.<\/p>\n<p>E\u011fer \u00e7al\u0131\u015fanlar\u0131n\u0131z varsa, start up ve otomatik katk\u0131 vergi kredilerinden yararland\u0131\u011f\u0131n\u0131zdan emin olun. Geleneksel IRA\u2019i Roth IRA\u2019 a \u00e7evirmek, \u00f6zellikle uzun vadede, sizin i\u00e7in avantajl\u0131 olabilir. %10\u2019luk ceza \u00f6dememek i\u00e7in, Roth IRA fonundaki paraya 5 y\u0131l boyunca dokunmaman\u0131z gerekti\u011fini unutmay\u0131n.<\/p>\n<p>\u015eirketinizin Amerika\u2019da kurulu\u015fundan itibaren, eyalet ve \u015firket tipi se\u00e7iminden ba\u015flayarak, ayl\u0131k muhasebe hizmetlerinin yan\u0131 s\u0131ra, b\u00fcnyesinde bir\u00e7ok farkl\u0131 hizmeti bar\u0131nd\u0131ran Manay CPA\u2019in <a href=\"https:\/\/www.manaycpa.com\/tr\/\">websitesini<\/a> ziyaret edebilir, gelir verginizi azaltmak konusunda dan\u0131\u015fmanl\u0131k almak isterseniz Manay CPA\u2019in <a href=\"https:\/\/www.manaycpa.com\/tr\/ucretsiz-danismanlik\/\">\u00fccretsiz dan\u0131\u015fmanl\u0131k servisinden<\/a> faydalanabilirsiniz.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;20px&#8221;][vc_raw_html]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[\/vc_raw_html][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Emeklilik d\u00f6nemi, bir ya\u015fl\u0131l\u0131k d\u00f6nemi de\u011fil, aksine \u00e7al\u0131\u015fma hayat\u0131 sonras\u0131nda aktif ve sa\u011fl\u0131kl\u0131 olarak ge\u00e7irilmesi gereken bir d\u00f6nemdir. \u00c7al\u0131\u015ft\u0131\u011f\u0131n\u0131z d\u00f6nemde erteledi\u011finiz bir\u00e7ok g\u00fczel \u015feyi emeklilik d\u00f6neminde yararlanabilece\u011finiz emeklilik i\u00e7in te\u015fvikler [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":16307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[87],"tags":[],"class_list":["post-16306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/posts\/16306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/comments?post=16306"}],"version-history":[{"count":0,"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/posts\/16306\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/media\/16307"}],"wp:attachment":[{"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/media?parent=16306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/categories?post=16306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.manaycpa.com\/tr\/wp-json\/wp\/v2\/tags?post=16306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}