What is a spousal IRA?
了解在你或你的配偶可能没有收入或没有工作的情况下，如何使用配偶个人退休账户来帮助你为退休储蓄.
配偶个人退休账户允许受雇的配偶向其无收入配偶的个人退休账户缴款. 配偶个人退休账户可以是传统或罗斯个人退休账户，以不工作的配偶的名义设立. To qualify, 这对夫妇需要共同报税，配偶一方必须有足够的收入来支付双方的个人退休账户. 作为夫妻，这个策略可以帮助你们最大限度地提高退休储蓄.
Spousal IRA ownership
在所有权方面，配偶个人退休账户是以不赚取收入的配偶的名义建立的. 即使赚钱的伴侣是向个人退休账户缴款的一方, the non-working spouse holds the ownership rights. 这意味着没有收入的配偶对投资决策和资金分配有完全的控制权.
Spousal IRA contribution limits
Are you wondering who can contribute to a spousal IRA? Under current law, most couples can contribute up to $13,000 ($6,500 each) to their IRAs in 2023, as long as their combined compensation is at least $13,000 for the year in which contributions are made. 这就意味着配偶中收入较低或没有收入的一方可以缴纳6美元,500 to a retirement plan for 2023. 当这个人满50岁时，这个金额将增加到7,500美元，该计划可以设置为a Roth IRA or a Traditional IRA. For 2024，配偶双方的限额提高到7000美元(50岁以上为8000美元)。.
Spousal IRA tax deduction information
每年，配偶个人退休账户的供款都会在你的联合联邦所得税申报表上报告. 如果你或你的配偶参加了雇主的退休计划, 你从应税收入中扣除配偶传统IRA的能力可能会受到限制. 点击下面的链接，查看根据收入可能扣除的金额:
- Traditional IRA – select the Modified Adjusted Gross Income dropdown and review the Combined Modified Adjusted Gross Income chart.
- Roth IRA – review the Annual Contribution Limits.
If you can deduct the Traditional IRA contribution, 然后，当你在退休时提取可扣除的供款和收入时，你要纳税. If you can't deduct the contribution now, 这样以后你就不用为不可扣除的部分纳税了.
Even if you can't deduct the spousal IRA contribution, 因为你的家庭收入太高，或者因为你选择了罗斯个人退休账户而不是传统的个人退休账户, 无论如何都要考虑一下，这样可以为你家庭未来的财务状况提供帮助. Regardless of how you save, anything is better than nothing.
Details on Internal Revenue Service guidelines should be reviewed.
Spousal IRA rules
以下是您和您的配偶需要牢记的一些配偶IRA指南:
- Earned income -配偶一方必须有足够的收入支付双方的供款.
- File taxes jointly -你和你的配偶必须以“已婚共同报税”的方式报税。.
- No co-ownership -配偶个人退休帐户应以非工作配偶的名义开立.
- Spousal IRA contributions -限额与常规ira的年度最高限额相同.
- Tax deductions -如果配偶一方有雇主赞助的退休计划，可能会受到限制.
- Age limit -只要其中一方有收入，夫妻双方就可以继续向配偶个人退休账户缴费, regardless of their age.
Spousal IRA benefits
A spousal IRA offers various benefits, 包括使家庭的个人退休账户缴款翻倍的机会, even if only one spouse is working. 这种方法大大增加了夫妇俩的退休储蓄，并可能为未来提供更多保障. In addition, if a couple decides to contribute to a Roth IRA, they can enjoy tax-free withdrawals during retirement.
Each family’s financial situation and needs are different. 考虑与注册代理人讨论哪种类型的IRA最适合你和你的配偶. And now that you have learned information about spousal IRAs, 你可能会有兴趣阅读更多关于退休的话题，比如如何 create a retirement income plan, how annuities work or benefits of working after retirement.
