Thelekisa iiAkhawunti zeRhafu kunye nee-IRAs zendalo kunye neeRoth IRAs
Ukufumana uhlobo olungcono lwe-akhawunti yolondolozo lwakho kunye neenjongo zokutyalo akufuneki kube nzima.
Nantsi ukuphazamiseka okuyisiseko kwixesha kwaye kwaye kutheni kufuneka ufumane ezinye iindidi ze-akhawunti phezu kwabanye:
Xa kulunge ngakumbi ukusebenzisa iiAkhawunti zentlawulo?
Ama-akhawunti athengiswayo awanalo uthando olukhulu ukusuka kumajelo. Ingcamango "yokuhlawulwa irhafu" ibeka uxhalabo, ukukhungatheka kunye nentukuthelo kwingqondo yabarhwebi yonke indawo. Kodwa ii-akhawunti ezihlawulwe irhafu, ezifana ne-IRAs zendabuko ne-Roth IRAs nazo zihlawuliswa, nangona kuphela ekuxothweni.
Kukho izizathu ezintle zokusebenzisa i-akhawunti ehlawulisiweyo. Ngokomzekelo, ukuba uyagcina umhlalaphantsi kwaye ucinga ukuba unokudinga ixesha lakho lokugcina ixesha elide ngaphambi kweminyaka yobudala engama-59 / 1/2, unokuphepha i-10% "isohlwayo sokuthoma kwangaphambili" kwaye ugcine i-IRA yakho ikhula xa uthe akhawunti yakho yerhafu.
Kwakhona, ukurhoxiswa kwii-akhawunti ezihlawulwayo kubalwa kuphela kwiirhafu zentalo-mali, kunokuba yonke imali yokurhoxisa ifana ne-IRA yendabuko okanye kwi-Roth IRAs engafanelekanga.
Ukuzuza kwexesha elide kwiingxelo ezihlawulwayo zihlawulwa kwizinga eli-15%.
Ngaloo nto, iakhawunti ezihlawuliswayo zinikela into ebizwa ngokuba yindlela yokunciphisa intela , okunciphisa umngcipheko ngokusasaza imali nokugcina imali kwiintlobo ezahlukeneyo zeakhawunti. Ngokomzekelo, "umngcipheko" apha kukuba akukho mntu unokukwazi ukuqikelela ngokuchanekileyo ukuba yeyiphi iirhafu zerhafu okanye imithetho yerhafu eya kwenza iminyaka eyi-10, 20 neye-30 ukususela ngoku.
IiAkhawunti eziRhafelwayo kwiiNkcubeko zeIras kunye neRoth IRAs
Esinye isizathu sokusebenzisa i-akhawunti ehlawulisiweyo kukuba awuvumelekanga ukutyalomali kwi-IRA. Ngokuqhelekileyo, kufuneka ube nemali engenayo ukugcina imali kwi-IRA. Ngoko ke, ukuba unayo umsebenzi, awukwazi ukufaka isandla. Yingakho abantu abadala bangakwazi ukuvula i-akhawunti yokuthengisa imali encinci kumntwana omncinci, ngokuqhelekileyo ngenjongo yokulondoloza iikholeji, phantsi koMthetho wokuTshintshiselwa koMntu oMnyama ukuya kwi-Minors Act ( UTMA ).
Abanye abantu baneengxaki ezintle zokungakwazi ukufaka isandla kwi-IRA kuba benza imali eninzi okanye banokuba nemali engaphezulu yokugcina ngaphandle kwemida yemali yonyaka ka-401 (k) kunye nee-IRAs. Ukufumana umgcini-mpahla ophezulu-ke uthi, umntu ofumana imali engama-$ 250,000 ngonyaka - i-$ 23,500 edibeneyo abangayifaka kwi-401 (k) kunye nee-IRA azikho 10% yengeniso yabo. Oko bacinga ukuba bafanelekile kwi-IRA kwaye baneminyaka engama-50.
Ukubuyela kwiintlobo zentlukwano yeentlawulo, umntu omncinane okanye umfana oselula namhlanje ukugcina umhlala-phantsi oneminyaka engama-20 okanye engama-30 ukususela namhlanje unokukhetha i-IRA yendabuko (ukugcinwa kwentela kwangaphambili) kuba bacinga ukuba baya kuba sekhokhini yentela ephantsi. umhlalaphantsi kunokuba bebudeni beminyaka yabo yokuqokelela. Ingcamango ukukhupha irhafu ngoku phezulu kwaye uhlawule kamva kwinqanaba eliphantsi.
Kodwa ngenxa yokuhlanganiswa kwengeniso ekhulayo, ukunyuka kwamaxabiso kunye nokubonakala kwamanani entlawulo ephakamileyo ama-20 okanye iminyaka engama-30 ukususela ngoku, umntu omncinci okanye isibini sinokuphelela kwi-bracket ethe xaxa ngexesha lomhlalaphantsi!
Xa usebenzisa iNgxelo ye-Akhawunti ye-Akhawunti yeNgcaciso okanye iNtengiso
Yingakho ndizibuza ukuba i-IRA yendabuko ifile na kutheni le ngxowa yerhafu inxalenye yesohlwayo yokusebenzisa i-Roth IRA kunye / okanye i-akhawunti ehlawulwayo okanye zombini. Ngaphandle kokuba uyazi ngokuqinisekileyo ukuba uya kuba sekhokhini esezantsi ngaphantsi komhlala phantsi kunokuba uneminyaka yokugcina imali, kufuneka usebenzise izithuthi kunye nezithuthi zotyalo ngaphandle kwe-401 (k) kunye ne-IRAs zendabuko.
Isicwangciso sokulondolozwa kwexesha elide lokuzigcina sinegalelo lokuqala kwi-401 (k) kuphela ukuya kumlinganiselo wakho umqeshi ufanisana. Ngokomzekelo, ukuba bafana namashumi ama-50 kwidola ngalinye ugalela kwi-6% yembuyekezo, kwaye ugalele u-6% kuphela ukuba ufumane inzuzo encedo.
Emva koko, galela kwixabiso eliphezulu kwiRoth IRA, eyi-$ 5,500 ngo-2015 okanye i-$ 6,500 yabantu kubantu abaneminyaka engama-50 okanye ngaphezulu.
Ukuba unako ukugcina ngaphezulu, vula i-akhawunti yerhafu yokurhafisa okanye i-akhawunti yomrhwebi kunye kunye nokugcina ubuninzi ngangokunokwenzeka. Xa uneminyaka engama-10 okanye eyi-15 ukusuka kumhlala phantsi, unokucinga ngokunciphisa i-Roth iminikelo kunye nokwandisa umrhumo weakhawunti, ngokukodwa xa ucinga ukuba unokuthatha umhlalaphantsi kusasa (ngaphambi kweminyaka yobudala engama-59 / 1/2).
Ngoku isinyathelo esilandelayo kukufunda zeziphi iintlobo ezifanelekileyo zokutsalwa kwee-akhawunti ezihlawulwayo kwaye zeziphi iintlobo ezifanelekileyo zokutsalwa kwe-IRA .
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphantsi kweemeko ngaba le nkcazelo ibonisa iingcebiso zerhafu okanye isincomo sokuthenga okanye ukuthengisa iziqinisekiso.