Imirhumo yeRoth IRA ihlawuliswa, kodwa unokwenza uhoxiso ngaphandle kwentela xa ufikelele kumhlalaphantsi.
Okukhuselekileyo ngakumbi kwiNgxowa-mali ngokuqhelekileyo ibhekisela kwiNqanaba lokuBala lingezantsi
Uninzi lwamabhanki anika ii-IRA njengeziqinisekiso zeDistim (iiCD) . Ii-CD zikhuselwe yi-FDIC ukuya kwii-250,000 zamawaka, ukuba ibhanki ingaphumeleli. Nangona kunjalo, izinga lokubuyela kwii-CD ngokubanzi liphantsi kakhulu kunezinga lokubuyisela ukuba unokuvula i-IRA kwisikratshi. Inxalenye yotyalo-mali yebhanki yakho inokunika ii-IRA ezingekho iiCD, kodwa ezi mali aziqinisekisiweyo yi-FDIC. Ukukhuseleka ngakumbi imali ngokuqhelekileyo kuthetha ukuba izinga lokubuyisela liphantsi. I-CD ikhutshwe kwisilinganiselo esisetyenzisiweyo sokubuyela kwithuba elithile lexesha, xa ixesha lexesha liphela, kuya kufuneka uqhube i-CD yangoku ibe entsha, ngaphandle kokukrazula nayiphi na imali. Iirhafu zemarike zingakhuphuka okanye zisezantsi ngokuxhomekeke kwiimeko zoqoqosho zangoku.
Ukuqwalasela xa ukhetha i-IRA
Xa ukhetha uhlobo lwe-IRA ofuna ukuyivula kufuneka ucinge ukuba ufuna ukhuseleko okanye ukwazi ukukhulisa imali yakho ngakumbi, uze uvule i-IRA kwindawo eya kukunceda ukuba wenze oku. Xa useneminyaka yakho engamashumi amabini uninzi lwakho lokugcina umhlala-phantsi kufuneka lube kwi-akhawunti ephakamileyo yokukhupha ingozi, kuba kukunika ithuba elihle lokwakha ubutyebi bakho.
Kananjalo unayo ixesha lokubuya kwi-market crash. Njengoko ukhula ufuna ukuguqula i-akhawunti engciphekweni. Oku kuya kukhusela imali yakho.
Ngaloo nto, engqondweni, ukuba unonophelo xa ufikelele ekutyalweni, ungakhetha ukuvula i-IRA kwibhankini yakho, kuba i- 401 yakho (k) igxininise ngakumbi kwimali ephezulu yokukhula okuphezulu. Iminikelo yakho ye-IRA ingasetwa nyanga zonke okanye ungancedisa kanye ngonyaka. Nangona ii-CD ezininzi zingavumeleli ukuba zinikele ngeminikelo yenyanga, ezininzi iibhanki zivumela i-CD ye-IRA ukuba ibe negalelo yenyanga xa ihlawulwe ngokuzenzekelayo.
Ukuba i-IRA yile akhawunti kuphela yokugcina umhlala-phantsi, unokuba ngcono ukuhamba kunye ne-firm firm, kuba banokukunika inani elihle lokubuyisela. Ufuna ukuba imali yakho yokugcina umhlalaphantsi ikhule, ngoko unokuthatha umhlalaphantsi ngokukhululekile. Khawukhumbule ukutshintshela kwiindawo ezininzi zokutshala imali, njengoko ukhula. Oku kufanele kube kuma-lateties akho ekupheleni kwamashumi amahlanu. Ukuba ufuna i -IRA yedwa , kufuneka ukhangele enye kwi-firm firm.
Ezinye iinkqubo zokugcina umhlalaphantsi
Ukongeza kwi-IRA yakho kufuneka uvula i-akhawunti yomhlala phantsi ngomsebenzi wakho ukuba ngaba banikela omnye. Ukuba uqeshwe ngabakho kukho iakhawunti yomhlalaphantsi ekhoyo kuwe.
Unokuvula i- akhawunti ye- SEP okanye ye- KEOGH kubantu abaqeshwe ngabanye. Ezi ngxelo zibonelela ngezibonelelo ezifanayo njenge-401 (k) icebo. Xa usuqeshwe ngokuzimeleyo unesibopheleleko kuphela sokulungiselela umhlalaphantsi wakho.
Nangona kufuneka uhlawule kwinkqubo yokhuseleko loluntu, akufanele ufake ukhuseleko loluntu njengenxalenye yezicwangciso zakho zomhlala-phantsi ngeli xesha. Inkqubo yokhuseleko yentlalo ingahle ingabi khona xa uthatha umhlalaphantsi, kwaye awukwazi ukufumana izibonelelo ezininzi njengoko uxelwe kwangoku kwi-statement ye-social security statement oyifumanayo. Ukongezelela, iminyaka yobudala yomhlalaphantsi inokunyuka, kwaye ukuba ufuna ukuhlala phantsi, awuyi kukwazi ukudweba imali yakho xa uqala ukuhlala phantsi.