Akunakwenzeka Ukufumana I-Akhawunti Engcono Yotyalo-mali
Ukuba ungabonakali, iRoth IRA iyona nto ifanelekileyo kwindawo yokukhusela yentlawulo efanelekileyo ekufuneka ufumane okanye uyifunayo.
Ngokuchanekileyo kwesi sizathu, iCongress iqinile ngokumalunga nemali ongayinayo kulo nyaka; ukuba ayenjalo, wonk 'ubani wayeza kushukumisa imali eninzi njengokuba ayengena kwenye yeegolide. NgeRoth, awuhlawuli irhafu kwerhafu yakho yesabelo . Awuhlawuli irhafu kwi- capital income yakho. Awuhlawuli irhafu kwiholo lakho lomvuzo . Awuhlawuli irhafu kwiirhafu zakho.
Ezi zinzuzo zodwa zenze kube lula kwiRoth IRA ukuba ichithe i- akhawunti ye- vanilla yemali ye-brokerage , kunye ne-troulce 401 (k) izicwangciso (inzuzo enkulu kunazo zonke iimeko ezifanayo ezivela kumqeshi wakho). Xa i-asethi yakho ifumana ubungakanani obaneleyo, unokuqala ukulawula i-Roth IRA yakho njenge-self-direct Roth IRA kwaye uyisebenzise ukuyithenga izakhiwo zepropati okanye, kwezinye iimeko, iintsika ezincinci kumashishini abucala. Iyakhula ngokukhawuleza kunye nawe, nokuba ufuna ukufumana izibophelelo zenkampani okanye ukuphuhlisa ihotela; ingaba unayo i-$ 1,000 okanye i-100,000,000,000.
Unokuthi uphinde ungene kwiRoth IRA ngaphandle kwesigwebo sokuthenga ikhaya lakho lokuqala okanye, kwezinye iimeko, ukuxhaswa ngxakeko lwezonyango. Ukuba unyanzelekile, unako ukurhoxisa umrhumo odlulileyo owenziweyo kwiRoth IRA yakho ngaphandle kokuxhatshazwa kweerhafu ezinkulu kunye nezohlwayo ezihlawulwa kwii-IRAs zeMveli kunye no-401 (k) izicwangciso.
Isimo esichaza indlela enamandla ngayo iRoth IRA yokuHlalwa kweRhafu
Cinga ukuba uneminyaka eyi-18 ubudala. Ucwangcisa ukusebenza kuze kube ngu-65 uze uthabathe umhlalaphantsi. Udibana nothando lobomi bakho ngaphandle kwesikolo esiphakamileyo kwaye utshata. Ezi zibini zenza isigqibo sokuba awufuni ukuzityebi, kodwa ufuna ukukhuseleka. Unamathela komnye, umgaqo omnye kumsebenzi wakho wonke: Kungakhathaliseki ukuba kwenzekani, uza esihogweni okanye amanzi aphezulu, ukuchuma okanye ubumpofu, uya kuxhasa ngokupheleleyo iRoth IRA yakho kwimida yonk 'unyaka ngamnye. Kungakhathaliseki ukuba ufuna kangakanani loo mali, awuyi kuwuchaphazela; Kunoko, uya kukukhusela kwaye uvumele ukuba kuhlanganiswe irhafu-ntlawulo.
Ngomnyaka wokuqala, ngowama-2013, ininzi enokuyichitha kwiRoth IRA yakho i $ 5,500. Phakathi kobabini kuni, yi-$ 11,000, okanye i-$ 916 + ngenyanga. Uthenga iimoto ezisetyenzisiweyo endaweni entsha, ii-coupons zeklip, kwaye ekugqibeleni, fumana ngaphezulu njengoko usebenza ngendlela ephakanyisiweyo.
Yintoni onokuyilindela? Ngokusekelwe kwiimbuyekezo eziveliswe yimpahla yokuthengisa kwi-intanethi edlulileyo, kwiimarike zeenkomo kwaye zithwala iimarike, ekucingeni ukuba uzibuyisele kwakhona izabelo zakho, unokufumana kalula i-$ 9,591,723. Ukuthatha inqanaba elifanayo lokunyuka kwamaxabiso esiye sabhekana neli likhulu leminyaka elidlulileyo, ngokunjalo, elisebenza kuma-1,500,000 angama-1,500,000 kwamandla okuthenga namhlanje.
(Khumbula: Yigunya lokuthenga elibala .)
Kuya kuba lula ukuguqula i-$ 1,500,000 kwi-stream of income engenayo ukusuka kwi-$ 50,000 ukuya kwii-75,000 zama-dollar. Funda kwakhona kwakhona: Ihhafu-ntlawulo. Awunakuze uthinte inqununu. Unokuphila kakuhle ubomi bakho bonke - ulandelelwaniso, omnye umashumi amabini amabini ubuncinane, kwaye mhlawumbi ixesha elide ukuba inzululwazi yezokwelapha iyaqhubeka nokuphucula ngaphezulu kwehafu yesigama - kwaye ungalokothi uthinte ipenisi yenqununu. Kunoko, xa uswelekile, imali kwiRoth IRA yakho inokufakwa kwiimali zokubathemba abantwana bakho nabazukulu, okanye banikezwe inceba.
Konke oku kuya kufezwa ngaphandle kokuba uhlale eofisi yekona; ngaphandle kokuba nokukhethwa kwempahla okanye iijethi zenkampani; ngaphandle kokuwina ilokotri okanye uzuze iholo elivela kumalume omdala olahlekileyo.
Indlela yokuvula i-Roth IRA kwaye uqalise ukutyalo-mali kwiRhafu
Ekubeni iRoth IRA ngumhlobo we-akhawunti-kufana ne-akhawunti yokulondoloza okanye i-akhawunti ye-brokerage-inokuvulwa phantse nayiphi na inkampani ye-fund, i-stockbroker, okanye, kwezinye iimeko, nakwi-bhanki (nangona iinqunto zakho ziza kugcinwa izatifikethi zokufaka idiphozi, mhlawumbi akusiyo isicwangciso esilixesha elide ngenxa yokuba unethuba elincinci lokubethelwa kwamanani emali). Into ebalulekileyo yokuyilinda iyimirhumo. Akufanele ubeke ipesenti enkulu yezinto zakho okanye uhlawule iikhomishini eziphezulu. Osemncinci wena, ezinkulu kakhulu ezo ntlawulo zidla kwiindleko zentsapho yakho.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.