I-Roth IRA Imithetho ka-2014

Ingqungquthela yeMimiselo yeMigqaliselo yeeNkxaso, iMingeni yeNgeniso, kunye nokuKhoxiswa

Mhlawumbi uyazi ukuba, kubatyalomali, i-Roth IRA ibhekwa ngokugqwesileyo ngokubhekiselele kwi-IRA yeNdabuko. Ukubona i-rundown epheleleyo yendlela ephakamileyo ngayo, khangela ukuba le ngxube-nhlangothi . Nangona kunjalo, i-Roth IRA imigaqo iyahlukileyo kwi-IRA yeNdabuko imigaqo ke kubalulekile ukuqonda ukuba njani ezi zindawo zokuhlala ezikhuselekileyo zerhafu xa ziceba ukuzisetyenziselwa ukwakha ubutyebi ngelixa ziqokelela igalelo, inzala kunye neentlawulo ezingenanto .

Ngokubambisa okubaluleke kakhulu kule mithetho unokukwazi ukukhusela ngcono kwizinto ezingathandekiyo, ezibizayo.

I-Roth IRA Imithetho yeNgeniso yeNgeniso Imvume yokuNyaka weRhafu 2014

Ngelishwa, enye yeyona ndlela ilawulwa yi-Roth IRA imayelana nemigangatho yokufumana umlinganiselo wokufaneleka. Ukuze ukwazi ukufumana i-Roth IRA kunoma yimuphi unyaka werhafu onikwe wona, kufuneka ufumane ngaphantsi komlinganiselo ophezulu oguqulwe umvuzo opapashwe yi-IRS. Oku kuguqulwa kwe-AGI kusekelwe kwizibalo ezininzi kwaye kubandakanywa ukuthatha ingeniso yakho engeniso kwaye udibanise ukuxothwa kwemali yomhlalaphantsi, ukulahlekelwa kwerente, inzala yomfundi , irhafu yengqesho, kunye neminye emigqabini yokubuyisela irhafu.

Unyaka werhafu 2014, oku kuthetha ukuthi:

I-Roth IRA Imithetho yeNgeniso yeNgeniso Ukufaneleka - Amaqabane abatshatileyo abafakela ngokubambisana kuMnyaka weRhafu 2014

• Ukutshata, ukufakela ngokubambisana: $ 181,000 okanye ngaphantsi = Ulungelelwaniso olupheleleyo lweRoth IRA
• Ukutshata ngokubhaliweyo ngokubambisana: $ 181,001 ukuya kwii-191,000 = Qalisa isigaba kwi-Roth IRA yokufaneleka

• Ukutshata ngokubhaliweyo ngokubambisana: i-191,000 okanye ngaphezulu = Ayifanelekanga ukuxhasa i-Roth IRA phantsi kwemithetho ekhoyo

I-Roth IRA Imithetho yeNgeniso yeNgeniso Ukufaneleka - Abafazi abatshatileyo abafakela ngokwahlukileyo ngoNyaka weRhafu 2014

• Ukutshata, ukufakela ngokwahlukileyo: $ 0 = Ukufaneleka okupheleleyo kweRoth IRA
• Ukutshata, ukufakela ngokwahlukileyo: i-$ 1 ukuya kwi-9,999 = Qalisa isigaba ngaphandle kwe-Roth IRA yokufaneleka

• Ukutshata, ukufakela ngokwahlukileyo: $ 10,000 okanye ngaphezulu = Akulungele ukuxhasa iRoth IRA phantsi kwemithetho ekhoyo

I-Roth IRA Imithetho yokuLungiswa kweNgeniso Imfanelo -Bantu abangabodwa kwiNtlawulo-mali ka-2014

• Umntu ongatshatanga: $ 114,000 okanye ngaphantsi = Ulungelelwaniso olupheleleyo lweRoth IRA
• Umntu ongatshatanga: $ 114,001 ukuya kwii-129,000 zamawaka = Qalisa isigaba ngaphandle kweRoth IRA
• Ukungatshatanga: $ 129,000 okanye ngaphezulu = Akulungele ukuxhasa iRoth IRA phantsi kwemithetho ekhoyo

Ukuba ufumanisa ukuba awufanelanga ukuxhaswa i-akhawunti phantsi kwe-Roth IRA, ungaze uloyike. Unokuthi uqhubeke uhamba nommiselo ngokwenza into eyaziwa njenge-backdoor eRoth, equka inkxaso-mali ye-IRA yeNdabuko emva koko uyiguqule kwi-Roth IRA.

I-Roth IRA Imithetho yoLuhlu lweMigangatho kuMnyaka weRhafu 2014

Ngenxa yokuba i-Roth IRA inikezela ngokukhuseleka okunjalo kwintlawulo, iCongress inqanda kakhulu umyinge wemali ongayinayo omnye ngonyaka. Unokufaka isandla kuphela kwimali oyifumanayo (imali ephuma kwimirholo, umvuzo, iinkonzo ezincinci zoshishino, ii-commissions, imali engenayo, iingcebiso kunye neebhonasi), oko kuthetha ukuba wenze i-$ 2,000 kuphela ngonyaka odlulileyo, awukwazi ukuxhasa ngokupheleleyo iRoth IRA. Ngakolunye uhlangothi, ukuba awuqeshwanga kodwa umlingani wakho, phantsi kweemeko ezininzi, i-Roth IRA imigaqo ikuvumela ukuba uhlawule ngokuzeleyo i-akhawunti yakho ebizwa ngokuthi "umtshato" kunye nomyeni wakho osebenzayo okanye umfazi.

Oku kunjalo abazali abahlala ekhaya abahlawulwanga.

• Abathengiyo kwiminyaka engama-49 okanye encinane = i-5,500 i-R500 i-Roth IRA
• Abathengi abaneminyaka engama-50 okanye ngaphezulu = $ 6,500 ubuninzi beli-Roth IRA

Cinga ukuba wena kunye nomlingane wakho wenza $ 100,000 kunyaka odlulileyo. Wena ungumzali wokuhlala ekhaya. Umlingani wakho uneminyaka engama-51, uneminyaka engama-49. Ngaphantsi kwe-Roth IRA imigaqo ye-2014, unokwenza igalelo le-R500 I-Roth IRA kunye neqabane lakho lingenza i $ 6,500 kwiRoth IRA. Njengentsapho, oko kuthetha ukuba uya kuhlala u-$ 12,000 kwiimali ezintsha kwiRoth IRAs zakho, okukuvumela ukuba unandiphe inzuzo eninzi ekuhlanganiseni iimpahla , izibophelelo , iimali eziphathekayo , indawo yokuhlala , okanye ezinye izityalo ozigqibayo ukuzifumana.

I-Roth IRA Imithetho yeNkxaso yokuLawulwa kweeNkcazo

Uvumelekile ukufaka isandla kwiRoth IRA ngaphandle komhla wokuhlawula irhafu olusemthethweni emva komnyaka werhafu ngokubhekiselele kuwo.

Izandiso azivunyelwe. Umzekelo, ukuba umhla wokuhlawula irhafu olusemthethweni ngo-Apreli 15, 2015, unokuxhaswa iRoth IRA yakho kunyaka werhafu 2014, phantsi kweminyaka engama-2014, ngaphaya kwe-Apreli 15, 2015.

Imithetho iyahlukileyo kwezinye iindidi ze-IRAs, ezifana ne-SEP-IRAs, ezikuvumela ukuba ungeze igalelo lexesha elidlulileyo kunye neentlawulo zakho zerhafu, rhoqo ngokukhawuleza ngo-Oktobha.

I-Roth IRA Imithetho ifuna amaqabane abatshatileyo ukugcina iiAkhawunti ezingafaniyo

Zonke i-Roth IRAs kufuneka zibe ngabanye. Izibini ezitshatileyo azikwazi ukudibanisa i-Roth IRA kwiakhawunti enye, kodwa kunoko, kufuneka ngamnye abe nesicwangciso sawo esithile esakhelwe kunye neziko lemali abakhethileyo. Akufanele uhlawule iiRoth IRAs, unako ukuxhaswa enye, enye, okanye zombini, xa udibana nezinye iinkqubo.

I-Roth IRA Imithetho yokuThutshwa kweRhafu

Nawuphi na umrhumo owenzayo kwiRoth IRA ayinakuthatyathwa irhafu. Nangona kunjalo, ngokutshintshisana, phantsi kweemeko zonke, imali oyenzayo kwiRoth IRA yakho kufuneka ibe yintlawulo ngokupheleleyo kwaye ayikho ngokupheleleyo irhafu. (Eminye ikhona, ngakumbi into eyaziwa njengeRhafu yeNgeniso yeNtsebenziswano engekho, okanye i-UBIT, kodwa loo nto ayisayi kusebenza kuma-99%.)

Ngokwenene, oku kuthetha ukuba ngaphantsi kwe Roth IRA ilawula ngoku, ngandlela-thile unokwandisa i-akhawunti yakho ibe yi-$ 10,000,000 kunye nokuqokelela i-$ 400,000 + ngonyaka ngezabelo zemali, awuyi kubakhokhela ipenki kwi-IRS nokuba ngaba izahlulo zifakwe kwi-akhawunti yakho okanye xa uhoxisa imali ngexesha lomhlalaphantsi. Ngokwahlukileyo, iMithetho ye-IRA yemigaqo ivumela abantu abaninzi ukuba bathathe inxaxheba yokuqala kwiintlawulo zabo zerhafu, bafumana imali engenayo yerhafu-mali kuze kube ngumhlalaphantsi, emva koko bahlawule rhoqo, irhafu yengeniso ngokuqhelekileyo xa befikelela ekufanelekeni kweminyaka ethile.

I-Roth IRA Imithetho yokuThatyathwa

Unokwenza ukuhoxiswa kwenqununu oyifake isandla kwiRoth IRA nanini na, irhafu yerhafu, ngaphandle kwehlwayo, phantsi kweemeko ezininzi. Ukuba unquma ukwenza ukuhoxiswa kwengeniso yentengo eyenziwe kwi-akhawunti, kwaye awuhlangabezi enye yeemfuno ezikhethekileyo zeRoth IRA yokuxolelwa, unokufumana isigwebo se-10% kwinqanaba likaRhulumente. Imithetho yerhafu iyatshintsha lonke ixesha ukwenzela ukuba ungenise irhafu kunye neerhafu zendawo; khangela umcebisi wakho weerhafu.

Ziziphi ezo zixolelo? Kukho ezisibhozo zazo, ngasinye sichaza ngokugqithiseleyo kule nqaku kwi-Roth IRA imigaqo yokuphepha ukuhlawulwa kwexesha lokuqala , kodwa i-short-down-down is:

1. Ukukhubazeka ngokusisigxina komnini weRoth IRA
2. Ukufa komnini weRoth IRA
3. Ukurhoxiswa okwenziwe ukuhlawula iindleko zonyango ezingahlawulwanga ezingaphezulu kwe-7.5% yemali engenayo ehlaziyiweyo
4. Ukufika kuma-R10 000 kanye ngexesha lokuphila kwakho ukunceda ukuhlawula indlu
5. Ezinye iindleko zemfundo ephakamileyo phantsi kweemeko ezithile
6. Imali ehlawulwe kwi-Internal Revenue Service evela kwiRoth IRA emva kokuba iphumelele umrhumo kwi-akhawunti
7. Iimali-mali ze-inshorensi zonyango ukuba uneminyaka engaphangeliyo kwexesha elingaphezu kwamaviki angama-12
8. Ukuguqula iminyaka eyi-59.5 ubudala

Enye ye-Roth IRA imigaqo yokurhoxisa ihambelana nokunikezelwa kwemimiselo (imali urhulumente owenza ukuba uyifumane kwi-akhawunti xa ufikelela kwixesha elithile ukuze uhlale unandipha indawo yokukhusela irhafu ixesha elide). Ngokungafani ne-IRA yeNdabuko, i-Roth IRA ayiyi kukunyanzela ukuba wenze utyeshelo obuncinane obufunekayo xa ufikelela kwiminyaka yobudala engama-70.5 ubudala. Ukuba ufuna ukuqhubeka uhlanganisela imali yakho yerhafu ngaphandle kokuba ube ngu-105, kwaye ungayenza loo nto ende, ngoku ivumelekile. Ngomntu onomyinge wokuphila, oku kungathetha ngokubaluleka kokungabikho ku-Federal, uRhulumente okanye urhulumente wengingqi, ukuvelisa ubuncwane obuninzi kubantwana bakho, abazukulu, ezinye iindlalifa, kunye / okanye abaxhamli bezandla. .

Ukuba awunayo iNgxowa-mali, sele uqwalasele ukuvula i-Roth IRA

Ndiye ngaphaya kokuchaza iRoth IRA njengendawo yokukhusela yentlawulo epheleleyo . Ukuba awunayo, ulahlekelwa kakhulu kwiintlobo ezintle. Ziyakwazi ukuvulwa ngemizuzu embalwa nje kwaye akudingeki ukuba uyixhase ngokugcwele - unako ukukhaba kuyo nayiphi na into onokukwazi ukuyifumanisa ukuba uhlangabezane ne-Roth IRA. Qalisa kunye nomhla namhlanje, nangona konke owenzayo kuvula i-akhawunti ngeenkcukacha eziphantsi kweendleko zexabiso-mali kwaye ushiye yona yodwa kwiminyaka engamashumi amahlanu alandelayo.