Ingeniso yeRhafu yeNtlawulo yeNtlawulo-mali ngaphandle kweRoth IRA
Roth IRAs Vs. Ezinye IRAs
Njengamanye amalungiselelo okugcina umhlala-phantsi, imali engenayo yentengo egcinwe ngaphakathi kwiRoth IRA ayihlawulwanga njengoko ifunyenwe.
Awunanto ukubika inzala okanye izabelo njengeniso kwingeniso yakho yentela ngaphambi kokungena kumhlala phantsi. Kwakhona kufana nezinye izicwangciso, kukho izigwebo zokuthatha imali kwangaphambili.
Iimpawu ezahlukileyo malunga ne-Roth IRA akhawunti kukuba imali ingasuswa ngokupheleleyo ngaphandle kwentela emva kokuba uthathe umhlalaphantsi ukuba kukho iimeko ezithile. Kungenxa yokuba awufumani urhoxiso lwerhafu malunga negalelo ozenzayo kwi-akhawunti kule minyaka, ngokungafaniyo nokuba uya kuba ne-IRA yendabuko. Usuvele ukhokhe irhafu kwiminikelo yakho kanye, ngelixa ufumene ingeniso oyinike yona, kwaye ingeniso ayifumanayo ayihlawulwanga. I-Roth IRAs ibonisa ithuba elikhethekileyo lokucwangcisa irhafu kwabasindisi kunye nabatyalo-mali ngenxa yokuba banako ukuqokelela imali engenayo yentlawulo yerhafu.
Enye inzuzo yeRoth kukuba unokukwazi ukufaka isandla kulolu hlobo lwe-IRA nangona udibene nesicwangciso somhlalaphantsi emsebenzini. Ngokuqhelekileyo akunjalo namanye ama-IRA.
Ugcino olugcinwe ngaphakathi kwiRoth IRA luboshwe kuze kube yilapho ufikelela kwiminyaka yobudala engama-59 / 1/2, oku kunjalo nangama-akhawunti amaninzi omhlala phantsi. Kukho ezinye izinto ezikuvumela ukuba uhoxise iimali kwangaphambili ngezizathu ezithile. Ngaphandle koko, ukuhoxiswa kwangaphambili kwi-Roth IRA kuyaxhomekeke kwi-10 yepesenti yentlawulo yerhafu kunye neyiphi na imali ehlawulwayo iza kuhlawulwa.
Iimpawu zoNgeniso lweRoth IRA zeRhafu IRA
Iimali ezihoxisiwe kwiRoth IRA ziya kubakho ngokupheleleyo irhafu ukuba:
- Ukuhanjiswa kwenziwa ubuncinane kwiminyaka emihlanu emva komhla owaqala ngawo ukufaka isandla kwiRoth IRA, kwaye
- Ukuhanjiswa kwenziwa emva kokufikelela kwiminyaka yobudala engama-59 / 1/2 okanye ngenxa yokuba ukhubazekile, ukuba ukuhanjiswa kwahlawulwa kumxhamli emva kokufa kwakho, okanye ukuba wasebenzisa ukusabalalisa ukuthenga ikhaya okokuqala.
Ngokubambisana, le miqathango ichaza ukurhoxiswa kwiRoth IRA "isabelo sokufaneleka" sokunikwa kweerhafu.
Ukunyangwa kweRhafu yezoNgelelo ezingafanelekanga
Ukurhoxiswa kwi-akhawunti yeRoth IRA engayithobeli imigaqo yokunikezelwa kwemfanelo ihlawulwa ngokukodwa. Igalelo lakho loqobo kwiRoth IRA libuyiselwa kuwe ngaphandle kwentela, kodwa nayiphi na imali yokufumana kunye nokukhula kuhlawulwa ngokupheleleyo. Inxalenye ehlawulwayo yokurhoxiswa kweRoth iphinde ixhomekeke kwi-10% yesigwebo sokusabalalisa kwangaphambili.
Unokubanceda njani kwiRoth IRA?
Isixa esiphezulu esinokubamba iqela kwiRoth IRA ngu-$ 5,500 ngonyaka ngonyaka ka-2016 no-2017. Abantu abaneminyaka engama-50 okanye ngaphezulu bangafaka i-$ 1,000 eyongezelelweyo ngonyaka njengomnikelo wokubamba .
Lo mda usebenza kuzo zombini kunye neRoth IRAs.
Unokufaka isandla kumabini omnyaka omnye, kodwa inani elidibeneyo leminikelo yakho ayikwazi ukudlula ubuninzi bonyaka. Ukuba udlula ubuninzi, kufuneka ulungise ingxaki ngokuthi uthathe ukusasazwa kokulungisa ngaphambi komhla wokuhlawula irhafu yakho.
Umrhumo woMrhumo ngokusekelwe kwiNgeniso
I-Roth IRAs inemiqathango ethile yemingene malunga nabani abanokuyixhasa. Umlinganiselo wakho wangempela weRoth IRA unokunciphisa okanye uchithe ngokupheleleyo ngokuxhomekeke kumgangatho wakho wokufumana umvuzo wonyaka. Kukho imida emibini:
- Omnye wokuqala ubizwa ngokuba ngumlinganiselo wokufumana umvuzo. Unako ukufaka isandla kumda wenkxaso okanye imali oyifumene ngayo kunyaka, nayiphi na into encinane. Iinjongo ze-IRA kuphela, ezifumana umvuzo ziquka imirhumo echazwe kwi-W-2, ingeniso yokufumana umsebenzi kwi-shishini okanye kwifama, kunye ne-alimony. Ukuba ingeniso yakho evela kuyo yonke imithombo i-$ 5,000 kuphela, yikho konke onokufaka isandla kwiRoth IRA. Ukuba ngaba i-30,000 yee-$, ungafaka isandla kwi-5 500 umda.
- Umda wesibini usebenza kubahlawuli berhafu abanemali ephezulu. Isekelwe kwingxowa- mali engaguqukiyo ehlaziyiweyo yomhlawuli werhafu kwaye ibeka ukuba ingaba ingaba nayiphi na ingeniso yolu ngeniso inokubanjelwa kwiRoth IRA.
| I-Roth IRA Eligibility Phase-Out esekelwe kwi-AGI eguquliwe | ||||
| Isimo sokuFakela | 2016 | 2017 | ||
| kusuka | ukuba | kusuka | ukuba | |
| Ongatshatanga | $ 117,000 | $ 132,000 | $ 118,000 | $ 133,000 |
| INtloko yeMakhaya | 117,000 | 132,000 | 118,000 | 133,000 |
| Ukutshata Ukutshata Ngokubambisana | 184,000 | 194,000 | 186,000 | 196,000 |
| Umhlolokazi Ofanelekileyo / er | 184,000 | 194,000 | 186,000 | 196,000 |
| Ukutshata ngokutshatyalaliswayo ngokwahlukileyo * | 0 | 10,000 | 0 | 10,000 |
| Umthombo: | IR-2013-86 | IR-2014-99 | ||
Abatshatileyo bangasebenzisa imingcele yokufumana abantu abangabodwa xa behlala behlukileyo kwaye behlukana omnye komnye kulo nyaka wonke werhafu.
Iziphumo ezintathu
- Ukuba i-AGI yakho eguqulelwe ingaphantsi kwexabiso "elivela" eliboniswe ngasentla, unako ukufaka isandla kwixabiso elipheleleyo legalelo lomnikelo kwiRoth IRA.
- Ukuba i-AGI yakho eguquguqukileyo iphakathi kwe "ukusuka" kunye ne "ukuya ku-", iimali zakho kwiRoth IRA zilinganiselwe okanye "zigqitywe" ngokwezibalo ezenziwe ngokusebenzisa iWindows sheet 2-2 kwi-IRS Publication 590.
- Ukuba i-AGI yakho eguqulwayo ingaphezu kwexabiso "ukuya kuthi", awufanelanga ukufaka isandla kwiRoth IRA yaloo nyaka.
Kwabaninzi abakhokhi berhafu, i-AGI yabo eguqulwayo ingeniso yakho epheleleyo echitshiweyo yentlawulo kunye naliphina inzala engenayo irhafu echazwe kwimizila engama-37 ne-8b yeFom 1040 kunye naliphi na inqununu engaphezulu kwe-line owuthatheyo; sondele "ukusuka kumda" ukuze uqiniseke. I-MAGI yakho kunye ne-AGI mhlawumbi iyafana ukuba awuzange uthathe naziphi na ezi zikhefu zerhafu.
Ukuguqula iiNgxowa ezivela kwezinye iiAkhawunti zabaSebenzi
Iimali ezichithwe kwiRRA kwi-IRA, i-401 (k), okanye izicwangciso zokulondolozwa kweentlawulo zangaphambili zingaguqulelwa kwi-Roth IRA , kodwa oku kuthetha ukukhupha i-tax-deferral. Uza kuhlawula irhafu kwiimali eziqokelelwayo nakweyiphi na iminikelo yokugcina owawuthatyayo irhafu. Oku kuguqula imali engaphambi kokuhlawula irhafu kwi-post tax tax.
Ngokungafani nemida yeRoth IRA, akukho mingcele yembuyekezo yokuguqula kwiRoth IRA. Oku kudala ithuba lokucwangcisa irhafu kubantu abanomvuzo ophezulu abangenakukwazi ukuxhasa ngokupheleleyo iRoth IRA ngqo. Abahlawuli berhafu abaphezulu bayabakhokelela imali engekho-deductible, i-IRA yendabuko, emva koko iguqule i-IRA yendabuko kwiRoth.
Isishwankathelo soNcedo lweRhafu kunye neziNzuzo
- Imali engenayo yemali efunyenwe ngaphakathi kwiRoth IRA ayichazwa kwingxelo yakho yerhafu yonyaka.
- Ukurhoxiswa kwiRoth IRA kungabikho ngokupheleleyo irhafu kwinqanaba lezemfundo.
- I-Roth IRAs ayinawo umrhumo obuncinane obunyanzelekileyo, owaziwa njenge-RMD. Awunyanzelwanga ukuba usebenzise imali ngaphandle kokuba ufuna.
- I-Roth IRAs iyakunikwa iindlalifa kwaye ngoko iyakwazi ukusinda iirhafu zerhafu kunye neerhafu zezindlu .
- Ukuhoxiswa kwangaphambili kwi-Roth IRA kunokuxhomekeka kwerhafu kunye nezohlwayo.
- Kukho imingcele yemingeniso yokufumana inkxaso yokuxhasa iRoth IRA.
- Ukulahlekelwa kwi-Roth IRA ihlawulwa irhafu kuphela xa ubeka imali ngaphandle kwe-akhawunti, engasoloko ibonakalisa inzuzo.