I-Roth 401 (k) - Ukulondoloza kwiRhafu yeRhafu yomvuzo

Hlanganisa izinto ezintle ze-401 (k) kunye neRoth IRA eneRoth 401 (k)

I-Roth 401 (k) yenziwe iminyaka emininzi edlulileyo. Kodwa ekubeni iRoth 401 (k) yayisetyenziselwe ukuphela kwayo ngaphambi kokuphela kweminyaka elishumi, iinkampani ezimbalwa zihlupha ukuseka iRoth 401 (k) yabasebenzi babo. Emuva ngo-2006, iCongress ngenhlanhla yenza iRoth 401 (k) isigxina.

Ukuba unayo i-Roth 401 (k) ukhetho emsebenzini, kubalulekile ukuqonda indlela kunye nexesha lokusebenzisa ngayo. Ukuba awunayo i-Roth 401 (k) ukhetho emsebenzini, kusengqiqweni ukuba uqonde oko ungathanda ukukwenza ukuba isebe lakho libone ukuba lilahlekile.

Indlela iRoth 401 (k) Imisebenzi

Njengeminikelo kwi-Roth IRA, iminikelo kwiRoth 401 (k) ayinako ukuhlawula irhafu. Ngempumelelo, usebenzisa iirhafu zerhafu emva kokuxhasa imali yakho. Nangona kunjalo, xa imali enye imini isasazwa kuwe ngexesha lomhlalaphantsi, yonke i-akhawunti ayikho inkokhelo yerhafu. (I- IRA rhoqo kunye no-401 (k), ngakolunye uhlangothi, i- tax-backerred , oku kuthetha ukuba uza kuhlawula iirhafu ezininzi kwiintlawulo zakho ngexesha lomhlalaphantsi).

Akukho Mithintelo yeNgeniso

Ukwenza igalelo kwiRoth IRA ivunyelwe kuphela ukuba ingeniso yakho ingaphantsi kwemida ethile . Akukho mida enjalo kwiRoth 401 (k) isicwangciso esikho, nangona kunjalo. Oku kwenza iRoth 401 (k) ibhenxise abo bangenako ukufumana ilungelo lokulondoloza umhlala-phantsi lokunika umvuzo wokufumana umvuzo wokufumana imali.

Imilinganiselo ePhakamileyo

Igalelo le-Roth IRA lilinganiselwa kuma-5 500 ayi-$ 500 (2016) okanye i-$ 6,500 (2016, ukuba 50 okanye ngaphezulu). Kodwa iRoth 401 (k) iminikelo inokuphakama njenge $ 18,000 (2016) okanye i-$ 24,000 (2016, ukuba i-50 okanye ngaphezulu).

Qaphela, nangona kunjalo, ukuba le mida iyonke evunyelwe kuwo wonke ama-401 (k) iminikelo. Ngaloo ndlela, ngaba wena, njengomntu oneminyaka engama-45 ubudala, ukhetha ukufaka i-$ 12,000 kwi-401 rhoqo (k) ngo-2016, ininzi enokuba negalelo kwiRoth 401 (k) yi-$ 6,000. Iintlawulo zombini ngama-401 (k) kunye no-Roth 401 (k) avunyelwe xa nje isixa semali esihlangeneyo singadluli umda wonyaka. Nangona kunjalo, ungenza igalelo leRoth IRA xa ufikelele kumda wenkxaso yonyaka i-401 (k) icebo.

401 (k) Imida yoNyaka ka-2016

IRA Imingcele yoNyaka ka-2016

Umqeshi oQhathelene noMrhumo

Kungakhathaliseki ukuba awufumani okanye ungayifumana inxaxheba ehambelana neenkampani yakho imiselwe ngumqeshi wakho. Ukuba ufumana enye, yenziwa ngaphambi kwentela kwaye ibanjwe ngokwahlukileyo kwiRoth 401 (k) yakho.

I-Roth 401 (k) no-401 rhoqo (k)

Ukukhetha isicwangciso sokuthatha inxaxheba kuyo, ukuba umqeshi wakho ukunika zombini ukhetho, kunokuba nzima. Nangona kukho iinguqu ezininzi zokuqwalasela, kubaluleke kakhulu ukuba izinga lakho lokurhafelwa kwentlawulo ngomhlalaphantsi xa kuthelekiswa nomyinge wakho werhafu yengeniso. Kungenzeka ukuba uvakalelwa kukuba ireyithi yakho yerhafu yengeniso iya kuphakanyiswa, i-Roth iyakhaka ngakumbi. Ngaloo ndlela, abantu abancinci abangabakhonkqo bentela ephantsi namhlanje banokucinga ngokugqithiseleyo kwiRoth 401 (k).

Unokuqhuba iimeko ezimbalwa zokucinga ukuthelekisa umahluko phakathi kwama-401 (k) kunye noRoth 401 (k) usebenzisa i-calculators calculators.

Roth 401 (k) yiSigqibo seNkampani

Ayikho yonke inkampani ene-401 (k) icebo kwaye akusiyo yonke inkampani ene-401 (k) icebo elikhethileyo ukunyusa iRoth 401 (k) icebo. Ukuba awuboni ukhetho oludweliswe kwiincwadi zakho zenzuzo, cela izibonelelo zakho ezimele. Ukuba umqeshi wakho ufumana izicelo ezaneleyo, inkampani iyakongeza.