{"id":27816,"date":"2025-02-20T10:52:02","date_gmt":"2025-02-20T10:52:02","guid":{"rendered":"https:\/\/francisway.com\/?p=27816"},"modified":"2025-02-20T10:52:02","modified_gmt":"2025-02-20T10:52:02","slug":"nuevos-limites-de-ahorro-del-irs-para-2024-lo-que-necesita-saber-2","status":"publish","type":"post","link":"https:\/\/francisway.com\/es\/knowledge\/articulo-es\/nuevos-limites-de-ahorro-del-irs-para-2024-lo-que-necesita-saber-2\/","title":{"rendered":"Nuevos L\u00edmites de Ahorro del IRS para 2024: Lo que Necesita Saber"},"content":{"rendered":"\r\n

Hay buenas noticias para los ahorradores en los planes de jubilaci\u00f3n. El IRS acaba de anunciar que los l\u00edmites de ahorro en las contribuciones a las cuentas de jubilaci\u00f3n aumentar\u00e1n debido a ajustes por inflaci\u00f3n.<\/p>\r\n\r\n\r\n\r\n

Aqu\u00ed est\u00e1n los detalles:<\/p>\r\n\r\n\r\n\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
T\u00edpo de Contribuci\u00f3n<\/td>\r\nL\u00edmite de 2023<\/td>\r\nL\u00edmite de 2024<\/strong><\/td>\r\n<\/tr>\r\n
401(k), 403(b), 457(b)<\/td>\r\n$22,500<\/td>\r\n$23,000<\/strong><\/td>\r\n<\/tr>\r\n
\u201cCatch-up\u201d (para personas de 50 a\u00f1os o m\u00e1s) de 401(k), 403(b) o 457(b)<\/td>\r\n$7,500 ($30,000)<\/td>\r\n$7,500 ($30,500)<\/strong><\/td>\r\n<\/tr>\r\n
IRA<\/td>\r\n$6,500<\/td>\r\n$7,000<\/strong><\/td>\r\n<\/tr>\r\n
\u201cCatch-up\u201d (para personas de 50 a\u00f1os o m\u00e1s) de IRA<\/td>\r\n$1,000<\/td>\r\n$1,000<\/strong><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

Los planes de jubilaci\u00f3n patrocinados por el empleador ahora permitir\u00e1n una contribuci\u00f3n m\u00e1xima de $23,000 en 2024 (m\u00e1s una contribuci\u00f3n \u201ccatch-up\u201d de $7,500 si es mayor de 50 a\u00f1os). Las contribuciones a la IRA tambi\u00e9n aumentar\u00e1n a $7,000 para 2024, mientras se mantiene la misma provisi\u00f3n de \u201ccatch-up\u201d de $1,000 del a\u00f1o anterior.<\/p>\r\n\r\n\r\n\r\n

Si est\u00e1 buscando maximizar sus cuentas de jubilaci\u00f3n disponibles, ajuste con cuidado. Si contribuye demasiado y demasiado pronto, puede perder las contribuciones equivalentes del empleador m\u00e1s adelante en el a\u00f1o. Su planificador financiero de Francis puede ayudarlo a determinar cu\u00e1l deber\u00eda ser su tasa de ahorro en 2024 para garantizar que reciba la mayor cantidad posible de contribuciones del empleador.<\/p>\r\n\r\n\r\n\r\n

Si usted es alguien que tiene dificultades para aumentar sus contribuciones de jubilaci\u00f3n, considere utilizar la funci\u00f3n de aumento autom\u00e1tico dentro de su plan de jubilaci\u00f3n. Esta es una manera f\u00e1cil de automatizar el proceso de aumentar sus contribuciones sin tener que hacer el trabajo manualmente. Un buen momento para establecer su aumento es al mismo tiempo que se realiza el ajuste por costo de vida (COLA) de su cheque de pago. Aumentar su tasa de ahorro al mismo tiempo que su COLA significa que probablemente no ver\u00e1 ning\u00fan impacto en su salario neto.<\/p>\r\n\r\n\r\n\r\n

Incluso si est\u00e1 atrasado en sus ahorros para la jubilaci\u00f3n, cualquier acci\u00f3n que tome ahora puede tener un impacto positivo en c\u00f3mo ser\u00e1n sus a\u00f1os futuros. Como dice el dicho:<\/p>\r\n\r\n\r\n\r\n

\u201cLa mejor \u00e9poca para plantar un \u00e1rbol fue hace 20 a\u00f1os. El pr\u00f3ximo mejor momento es hoy\u201d.<\/p>\r\n\r\n\r\n\r\n

\u00bfBusca motivaci\u00f3n para empezar? Los planificadores financieros sin juicio de Francis LLC est\u00e1n aqu\u00ed para escuchar su situaci\u00f3n personal y ayudarlo a crear un plan personalizado que lo ayude a alcanzar sus metas personales y financieras. Programe una reuni\u00f3n hoy para fortalecer su equilibrio entre trabajo, vida personal y dinero.<\/p>\r\n\r\n\r\n\r\n

Volver a la biblioteca de consejos financieros<\/em><\/span><\/strong><\/a><\/p>\r\n","protected":false},"excerpt":{"rendered":"

Aprenda c\u00f3mo maximizar sus ahorros el pr\u00f3ximo a\u00f1o y obtenga consejos sobre c\u00f3mo ahorrar m\u00e1s f\u00e1cilmente.<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[50983],"tags":[],"class_list":["post-27816","post","type-post","status-publish","format-standard","hentry","category-articulo-es","entry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","alm-thumbnail":"","post-thumbnail":"","gform-image-choice-sm":"","gform-image-choice-md":"","gform-image-choice-lg":""},"post_excerpt_stackable_v2":"

Aprenda c\u00f3mo maximizar sus ahorros el pr\u00f3ximo a\u00f1o y obtenga consejos sobre c\u00f3mo ahorrar m\u00e1s f\u00e1cilmente.<\/p>\n","category_list_v2":"Art\u00edculo<\/a>","author_info_v2":{"name":"admfrancisinvco","url":"https:\/\/francisway.com\/es\/author\/admfrancisinvco\/"},"comments_num_v2":"0 comentarios","yoast_head":"\nNuevos L\u00edmites de Ahorro del IRS para 2024: Lo que Necesita Saber | Francis LLC.<\/title>\n<meta name=\"description\" content=\"Aprenda c\u00f3mo maximizar sus ahorros el pr\u00f3ximo a\u00f1o y obtenga consejos sobre c\u00f3mo ahorrar m\u00e1s f\u00e1cilmente.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/francisway.com\/knowledge\/articulo-es\/nuevos-limites-de-ahorro-del-irs-para-2024-lo-que-necesita-saber-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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