{"id":2273,"date":"2018-08-26T18:51:19","date_gmt":"2018-08-26T23:51:19","guid":{"rendered":"https:\/\/ron-henry.com\/2018-limites-de-contribucion-a-la-cuenta-de-jubilacion\/"},"modified":"2018-10-03T07:18:16","modified_gmt":"2018-10-03T12:18:16","slug":"limites-de-contribucion-a-la-cuenta-de-jubilacion","status":"publish","type":"post","link":"https:\/\/ron-henry.com\/es\/limites-de-contribucion-a-la-cuenta-de-jubilacion\/","title":{"rendered":"L\u00edmites de contribuci\u00f3n a la cuenta de jubilaci\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2273\" class=\"elementor elementor-2273 elementor-272 elementor-bc-flex-widget\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-606c6bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"606c6bb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9509267\" data-id=\"9509267\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1927745 elementor-widget elementor-widget-text-editor\" data-id=\"1927745\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Debido a que no pude encontrar una buena referencia en l\u00ednea que muestre los l\u00edmites comunes de contribuci\u00f3n para las cuentas de jubilaci\u00f3n, cre\u00e9 esta hoja de trucos, ya que podr\u00eda ser \u00fatil como referencia para otros.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-16cdd09\" data-id=\"16cdd09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-529562b elementor-widget elementor-widget-image\" data-id=\"529562b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2450\" height=\"982\" src=\"https:\/\/ron-henry.com\/wp-content\/uploads\/2018\/07\/retirement-account-limits.png\" class=\"attachment-full size-full wp-image-298\" alt=\"Retirement Account Contribution Limits\" srcset=\"https:\/\/ron-henry.com\/wp-content\/uploads\/2018\/07\/retirement-account-limits.png 2450w, https:\/\/ron-henry.com\/wp-content\/uploads\/2018\/07\/retirement-account-limits-300x120.png 300w, https:\/\/ron-henry.com\/wp-content\/uploads\/2018\/07\/retirement-account-limits-768x308.png 768w, https:\/\/ron-henry.com\/wp-content\/uploads\/2018\/07\/retirement-account-limits-1024x410.png 1024w\" sizes=\"(max-width: 2450px) 100vw, 2450px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f0985f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f0985f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d6ed9fb\" data-id=\"d6ed9fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d415b4a elementor-widget elementor-widget-text-editor\" data-id=\"d415b4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong>L\u00edmite de inversi\u00f3n de cuenta de ahorros de salud (HSA)<\/strong><\/h4><p>Single $3.450<br \/>Familia $6.900<\/p><p>Los mayores de 55 o m\u00e1s pueden aportar $1.000 adicionales para una contribuci\u00f3n total de $4.450 y $7.900 para solteros y familiares respectivamente.<\/p><h4><strong style=\"font-size: 17px;\">401 (k) L\u00edmite de contribuci\u00f3n a la inversi\u00f3n<\/strong><\/h4><p>En 2018 el l\u00edmite de aplazamiento efectivo para las contribuciones electivas 401 (k) se ha aumentado a $18.500.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e683cc\" data-id=\"1e683cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fbbcf3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fbbcf3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6148bd2\" data-id=\"6148bd2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1fb06f elementor-widget elementor-widget-html\" data-id=\"f1fb06f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script async=\"\" src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\" data-ad-client=\"ca-pub-3220285439135584\" data-ad-slot=\"6584510252\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c19cb8c elementor-widget elementor-widget-text-editor\" data-id=\"c19cb8c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El l\u00edmite es $ 500 m\u00e1s que 2017. Los aplazamientos electivos se refieren a las contribuciones que usted decida haber retenido de su cheque de pago. El l\u00edmite total de la contribuci\u00f3n de $55.000 no entra en juego t\u00edpicamente para la mayor\u00eda de los trabajadores puesto que sus f\u00f3sforos de la compa\u00f1\u00eda no son casi suficientemente generosos alcanzar ese n\u00famero.<\/p><p>Los ancianos de 50 o m\u00e1s a\u00f1os pueden aportar un $6.000 adicional que traiga el l\u00edmite de aplazamiento electivo a $24.500. El l\u00edmite de contribuci\u00f3n total tambi\u00e9n aumenta en $6.000 por un l\u00edmite total de $61.000.<\/p><p>Adem\u00e1s de crecimiento con impuestos diferidos, el 401 (k) es una gran manera de reducir su ingreso bruto anual (AGI) que tiene el beneficio de reducir su cuenta de impuestos.<\/p><h4><strong>L\u00edmite de contribuci\u00f3n de inversi\u00f3n de IRA<\/strong><\/h4><p>El l\u00edmite de jubilaci\u00f3n individual 2018 es $5.500 l\u00edmite. Los ancianos de 50 o m\u00e1s a\u00f1os de edad pueden hacer una contribuci\u00f3n adicional de $1000 que resulta en una contribuci\u00f3n total de $ 6.500.<\/p><h4><strong>L\u00edmite de contribuci\u00f3n a la inversi\u00f3n de SEP-IRA<\/strong><\/h4><p>Los propietarios de peque\u00f1os negocios y aut\u00f3nomos pueden contribuir hasta un m\u00e1ximo de $55.000 en 2018. Debido a esto, realmente vale la pena tener su propio negocio. La contribuci\u00f3n permitida hacia el l\u00edmite de $55.000 se calcula como un porcentaje del salario del propietario de la empresa. Para aportar el $55.000 completo, se requiere un salario de $270.000.<\/p><p>Sep-IRA tambien permite una gran reducci\u00f3n en el AGI en comparaci\u00f3n con las cuentas de inversi\u00f3n de jubilaci\u00f3n antes mencionadas.<\/p><p><span style=\"font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\">Una gran<\/span> <span style=\"font-variant-ligatures: normal; font-variant-caps: normal; font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-weight: bold;\">Libre<\/span> <span style=\"font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\">herramienta que utilizo personalmente para el seguimiento de mi portafolio es<\/span> <a style=\"font-variant-ligatures: normal; font-variant-caps: normal; font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; background-color: #ffffff;\" href=\"https:\/\/ron-henry.com\/links\/personalcapital\" target=\"_blank\" rel=\"noopener\">Personal Capital<\/a><span style=\"font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\">. Si utiliza este <\/span><a style=\"font-variant-ligatures: normal; font-variant-caps: normal; font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-weight: 400; background-color: #ffffff;\" href=\"https:\/\/ron-henry.com\/links\/personalcapital\" target=\"_blank\" rel=\"noopener\">enlace<\/a><span style=\"font-family: Roboto, sans-serif; font-size: 14px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400;\"> para inscribirse en la cuenta, no le costar\u00e1 nada y tanto usted como yo recibiremos <strong>$20<\/strong>. Toda ayuda, \u00bfno?<\/span><\/p><p><strong>Aviso Legal:<\/strong> <em>La informaci\u00f3n proporcionada y el material de acompa\u00f1amiento es s\u00f3lo para fines informativos. No debe considerarse asesoramiento jur\u00eddico o financiero. Usted debe consultar con un abogado, CPA u otro profesional para determinar lo que puede ser mejor para sus necesidades individuales.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6bf6b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6bf6b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a37f779\" data-id=\"a37f779\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34c39dc elementor-widget elementor-widget-html\" data-id=\"34c39dc\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script async data-uid=\"09a2959da5\" src=\"https:\/\/f.convertkit.com\/09a2959da5\/31f9f47b0c.js\"><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f4da982\" data-id=\"f4da982\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38964d2 elementor-widget elementor-widget-html\" data-id=\"38964d2\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p><script async=\"\" src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script><br \/>\n<!-- Bottom of Post Responsive --><br \/>\n<ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-3220285439135584\" data-ad-slot=\"6837723325\" data-ad-format=\"auto\" data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>\n(adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\"><\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">Minute Read<\/span><\/span>Debido a que no pude encontrar una buena referencia en l\u00ednea que muestre los l\u00edmites comunes de contribuci\u00f3n para las cuentas de jubilaci\u00f3n, cre\u00e9 esta hoja de trucos, ya que podr\u00eda ser \u00fatil como referencia para otros. L\u00edmite de inversi\u00f3n de cuenta de ahorros de salud (HSA) Single $3.450 Familia $6.900 Los mayores de 55 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2018,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"on","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[637],"tags":[],"yst_prominent_words":[849,851,840,858,1047,850,843,1046,848,846,856,857,839,854,844,845,847,852,841,1045],"class_list":["post-2273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financiar","entry","has-media"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/posts\/2273","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/comments?post=2273"}],"version-history":[{"count":0,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/posts\/2273\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/media\/2018"}],"wp:attachment":[{"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/media?parent=2273"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/categories?post=2273"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/tags?post=2273"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/ron-henry.com\/es\/wp-json\/wp\/v2\/yst_prominent_words?post=2273"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}