Читать книгу Investing For Dummies - Eric Tyson - Страница 67

If you work for a company that doesn’t offer a retirement savings plan, or if you’ve exhausted contributing to your company’s plan, consider an individual retirement account (IRA). Anyone with employment income (or who receives alimony) may contribute up to $6,000 each year to an IRA (or the amount of your employment or alimony income if it’s less than $6,000 in a year). If you’re a nonworking spouse, you’re eligible to put up to $6,000 per year into a spousal IRA. Those age 50 and older can put away up to $7,000 per year (effective in 2020).

Your contributions to an IRA may or may not be tax-deductible. For tax year 2020, if you’re covered by a retirement plan at work, you’re single, and your adjusted gross income is $65,000 or less for the year, you can deduct your full IRA contribution. If you’re married and you file your taxes jointly, you’re entitled to a full IRA deduction if your AGI is $104,000 per year or less.