I-Roth IRA yokuLawula iMigaqo neMimiselo

Xa Unako Ukubuyisela Imali kwiRoth IRA Yakho

I-Roth IRAs yile ithuluzi lokucwangcisela umhlala-phantsi elihle kakhulu elikhoyo malunga nantoni na phakathi kwemingcele ethile. Ukongeza kwiiplani zomhlalaphantsi ezixhaswe ngumqashi okanye oziqeshwe ngabasebenzi njengowama- 401 (k) okanye i-SEP IRA, iiAspy Retirement Individual (IRAs) zithuthi zokugcina umhlala-phantsi kubantu abaneentlawulo ezibalulekileyo zerhafu ziyafumaneka kuwo wonke umntu ngokuvula i-akhawunti kwaye ngeniso engenayo.

Kukho iintlobo ezimbini ze-IRAs: i-IRA yesithethe okanye i-Roth IRA . Apha siza kuphanda imithetho elawula i-Roth IRAs.

Yintoni iRoth IRA?

Njenga-Traditional IRAs, i-Roth IRAs ikuvumela ukuba ugcine imali engama-$ 5,500 ngonyaka (okanye i-$ 6,500 ukuba uneminyaka engama-50 okanye ngaphezulu) kwi-akhawunti yokugcina umhlalaphantsi ngokuxhomekeka kwimali engenayo echitshiweyo yokuguqula (ebeka umda we-Roth IRA ). Ngokufana ne-Traditional IRAs, unako ukufaka isandla kwiRoth IRA nangona sele sele ugqitywe ngumcwangcisi oxhaswe ngumqeshi onjenge-401 (k). Ukuba ne-IRA iya kukuvumela ukuba ulahle imali ethe xaxa yerhafu ngaphezulu kwaye ngaphaya kweminye imida yakho yonyaka.

Uhlobo oluphambili phakathi kwe-Traditional IRA kunye ne-Roth IRA kukuba igalelo kwiRoth IRA ayinako ukuhlawula irhafu kunyaka owenziweyo, oku kuthetha ukuba uya kuba negalelo kwiirhafu zerhafu . Nangona uhlawula irhafu kuloo mali ngoku, i-Roth IRA ihlawulwa yimivuzo yokuqala kunye nemali yabo yokufumana imali ayiyi kuhlawulwa irhafu xa usenza ama-retraitals kwi-akhawunti kumhlala phantsi okanye kwezinye iimeko ezichaziweyo.

Kodwa kuthekani ukuba unokwenza uxolo ngaphambi kokuba uthathe umhlalaphantsi? Le yinye indawo apho iRoth IRAs ihluke kwii-IRAs zendabuko.

Jonga iMveli kunye neRoth IRA ngolwazi olungakumbi malunga nokwahlukana phakathi kwale akhawunti.

I-Roth IRA Imfanelo yokwabiwa

I-Roth IRAs ineemithetho emininzi elawula unyango lwerhafu lokurhoxiswa.

Eyona ndlela, zonke iirhafu zakho kwiRoth IRA ziya kuba yimpumelelo efanelekileyo , eyona ntengiso ehlangabezana neemfuno ezithile. Ezi mphakamiso zokuhambisa ziquka:

• Ubambe i-akhawunti iminyaka emihlanu (funda ukuba lo mgaqo-minyaka emihlanu ubalwa)
• Uneminyaka engama-59 ½ okanye ngaphezulu

Ukurhoxiswa okwenziwe phantsi kwezinye iimeko, njengokukhubazeka okanye ukufa, kunokuchazwa njengokwabelo olufanelekileyo. Olunye ulungiso olufanelekileyo olufanelekileyo oluza kuhlangabezana neemfuno ezidweliswe phantsi kwexesha lokuqala lokuthenga ekhaya (ukufikelela kumyinge wama-10 000 weminyaka).

Inzuzo ebaluleke kakhulu yokunikezelwa ngokufanelekileyo kukuba ingeniso yentlawulo yengeniso, enokuba luncedo kakhulu kumhlalaphantsi. Kodwa kuthekani ukuba ufuna ukwenza ukuhoxiswa okungeze kuhlangabezane neemfuno zonyango njengoluhlu olufanelekileyo?

I-Roth IRA engekho Efanelekileyo

Xa ulungele ukurhoxisa kwi-IRA yeNdabuko, nokuba uhlala phantsi okanye awuyiyo, ukusabalalisa konke kuya kuxhomekeka kwerhafu yengeniso. Kodwa ngeRoth IRA, akunjalo. Unako ukurhoxisa imali kwiRoth IRA yakho nayiphi na ixesha, kunye nemali oyinikezeleyo iya kuhlala ikhona kuwe ngaphandle kwentlawulo yerhafu okanye izigwebo. Isizathu salo mmahluko kukuba uyayikhokhela irhafu kuloo mali ngaphambi kokunikela kwiRoth IRA yakho.

I-Akhawunti yokurhoxisa nayiphi na ukukhula kwiminikelo yakho yangaphambili, nangona kunjalo, iya kuxhomekeka kwerhafu kunye nezigwebo ezinokwenzeka xa zingabonwa njengezokwabiwa ngokufanelekileyo. Nawuphi na ukurhoxiswa okungafanelekanga ngaphezulu nangaphezulu kweminikelo yakho yokuqala kuya kuxhomekeka kwerhafu yengeniso. Kwaye ukuba uneminyaka engama-59 ½ ubudala, abo bahoxiswayo baya kuba phantsi kwesigwebo sokubanjwa kwangaphambili kwe-10% ngaphandle kokuba uhlangane nenye yezinto ezimbalwa. Ukuba uneminyaka yobudala engama-59 / 1/2 okanye ngaphezulu kwaye wenze ukurhoxiswa kwiRoth IRA kwaye awuzange uhlangabezane nemfuneko yokubamba iminyaka emihlanu, umvuzo wakho uya kuthotywa kwerhafu kodwa kungekho isohlwayo.

Kubalulekile ukugcina engqondweni ukuba unokushiya impahla kwiRoth IRA yakho ngokude nje ngokuba uhlala njengoko ezi akhawunti zingekho phantsi kwemigaqo emiselweyo yokusabalalisa .

Ukuba uqwalasela ukurhoxiswa kweRoth IRA ngaphambi kokuthatha umhlalaphantsi, okanye ukuhoxiswa okungekho nto ingayi kuthathwa njengoluhlu olulungeleleneyo, qi niqiniseke ukuba ufunde malunga neenkcukacha ezungeze unyango lwerhafu lweempahla ezingafanelekanga.