Uguqulelo lweRoth lukhulu xa uphendula ewe kwezinye ze mibuzo
Nabani na onokuguqula iimali ze-IRA zangaphambili zerhafu kwi-akhawunti yeRoth IRA. Uhlawula irhafu kwixabiso oguqulayo, kodwa ukususela kuloo ngongoma iqhubekele phambili imali ikhulise irhafu kwi-akhawunti yeRoth.
Ukuguqulwa kweRoth kwenza ingqiqo enkulu kwezi zimbini imeko:
- Ukhokhsi lorhafu oluphantsi ngoku, kwaye ulindele ukuba uya kuba sephakamileyo emva koko xa uya kufuneka uhoxise kwiakhawunti yakho yomhlalaphantsi.
- Ukulindele ukuba awusoze usebenzise inxalenye yempahla yakho yomhlalaphantsi kwaye ufuna ukuba iRoth IRA yakho idlule ngaphandle kweerhafu kwiindlalifa.
Zibuze imibuzo emihlanu engezantsi ukukunceda ukuba ngaba ziimeko ziyasebenza, kwaye ngoko ke ukuba ukuguqulwa kweRoth kunengqiqo kuwe.
1. Ngaba unalohlulwa kweerhafu ogqithise umvuzo wakho kulo nyaka?
Xa unomnyaka unemivuzo eninzi, kwaye ungekho imali engenayo, uya kufuna ukujonga ngokukhawuleza ukuguqula konke, okanye isahlulo, sakho se-IRA yenkcubeko kwiRoth. Uya kufuna ukuhlawula irhafu ukwenzela ukuba unokulingana nemali elungileyo yemali engenayo ngokuchithwa kwakho. Kwakhona kungengqiqo ukuguqula ngokwaneleyo ukuzalisa iibhakethi zerhafu ezi-10% kunye ne-15% xa ucinga ukuba uya kuba sekhredithi ephezulu emva kokuba unokufuna ukusebenzisa iRoth. Njengoko ukhangele iibhakethi zerhafu, khumbula ukuba iRoth IRA isabelo asifakiwe kwifom ecacisa ukuba ingeniso yakho yeNtlawulo yeNhlalakahle yeNtlalo ityala . Oku kuthetha iRoth IRAs inokubonelela ngenzuzo eyongezelelweyo kwimhlala-phantsi engenakubonakala ngokukhawuleza.
Amanani okuguqula amaRoth yaseMveli aqikelela nje ukuba ireyithi zerhafu zecala ngoku ngokukhatyelwa emva koko zihoxise ukubonisa amaninzi kwiirhafu zeRoth IRAs. Kumele usebenzise ukuhlawula kwentlawulo yee-multi-year kunye nenqaku kwiRhafu yoNyango loLuntu, ii-premium ze-Medicare, iirhafu ze-tax benefit, iimfuno ezifunekayo ezincinci kunye nezinye izinto ezininzi ukuqinisekisa ukuba uguqulelo lwe-Roth lusebenza kuwe.
2. Ngaba unayo imali eyaneleyo ngaphandle kwe-IRA yakho ukuhlawula irhafu yerhafu?
Ukuba uguqula i-$ 50,000 ukusuka kwi-IRA ukuya eRoth, leyo ngu-50,000 ngaphezulu yengeniso kwimbuyekezo yakho yentela. Kwizinga elifanelekileyo leerhafu ye-20%, oko kuya kubangela irhafu eyongezelelweyo ye-R10 000. Awufuni ukuba uthabathe ukukhutshwa kwe-IRA yakho ukuhlawula irhafu kwixabiso eliguqulelwe kwiRoth IRA. Qinisekisa ukuba unayo imali eyaneleyo kwiingxelo ezingekho phantsi komhlala phantsi ongayisebenzisa ukuhlawula irhafu - kwaye ushiye ngokwakho inani elaneleyo lokugcina imali . Ukuba uyenjenjalo, uguqulelo lweRoth lungalungile.
3. Ngaba uya kuba neengeniso ezaneleyo kwimithombo yeakhawunti engaphantsi komhlala phantsi ukuxhasa ngenkxaso yomhlalaphantsi?
Ukuba uya kuba nenzuzo eyaneleyo yengeniso kwi-asethi ye-akhawunti yomhlala-phantsi njengempahla yokuqeshisa, i-akhawunti yokutsalwa kwetyala emva kwexesha, iibhanki zikamasipala okanye enye imithombo, kunye nemali encinci ye-asethi kwi-akhawunti yomhlalaphantsi, ngoko unokucinga ukuguqula iakhawunti yakho yomhlalaphantsi kwiRoth. Uya kuphepha ukusabalalisa okuncinci okuzayo okuza kukubhoboza kwi-bracket ephezulu ngaphezulu.
Ukuba uya kufuna imali evela kwiakhawunti yakho yomhlalaphantsi, isicwangciso esicwangcisiweyo sokuguqula impahla ye-IRA kwiRoth kwiminyaka engaphantsi kwerhafu yengeniso ingaba yinzuzo yakho.
Kwiimeko ezininzi unokucwangcisa ngenjongo yokulibaziseka umhla wokuqala weeNtlalo zoNcedo lweNtlalo ngelixa uguqula kwiRoth kule minyaka engaphantsi kwemali ngaphambi kokuqala koKhuseleko loLuntu. Kwabaningi abahlala phantsi abafuna ukufumana umhlala-phantsi wokufumana umhlalaphantsi ongaphantsi kwee-90,000 zamaRandi, esi sicwangciso singakhokelela ekunyuseni ngokubanzi kwerhafu yentela emva kwentela.
4. Ngaba unayo impahla eyaneleyo yomhlalaphantsi oyilindeleyo ukuba awuyi kuyidinga ukuyisebenzisa bonke ukuxhasa indlela yakho yokuphila?
Ukuba unemali eninzi kwiakhawunti yomhlalaphantsi; ngokwaneleyo ukuba awuyikuzisebenzisa zonke iimfuno zakho, kwaye ukuguqula isabelo ongeke uyidinga iRoth siyakukuvumela ukuba udlulise loo nxalenye kunye nabaxhamli bakho abafumene irhafu-ntlawulo. Naliphi na umntu ongeyena umlingane ongeyena umlingane ozuze iRoth IRA kufuneka aqale ukuhambisa ukusasazwa kwexesha lokuphila, kodwa indlela yokusebenza iyakwazi ukwelula ukukhutshwa kweentlawulo zerhafu iminyaka emininzi, ukuvumela utyalo-mali ngaphakathi kwiRoth ukuqhubeka ukuqokelela iintlawulo zentlawulo.
5. Ngaba i-asethi yakho iya kuba nexesha elaneleyo, kwaye utyalo-mali ngendlela okulindele ngayo uya kukwazi ukuyibuyisela imali engaphambili oza kuhlawula irhafu?
Osemncinci wena, ixesha elingakumbi imali yakho ngaphakathi kwiRoth kufuneka ikhule inkululeko. Kodwa abahlala phantsi bangazuza kwiRoths! Masithi uguqula iimali ezivela kwiRoth ukusuka kwiminyaka yobudala engama-60 ukuya kwi-65. Le mali ingaba neminyaka engamashumi amabini ukuze ikhule kwaye ibe yintsimi ebalulekileyo yengeniso kumlingane osasalayo oya kuthi afake kwizinga lokuhlawula irhafu. Kwiminyaka engamashumi amabini, iimali zeRoth zingatyaliswa ngokugqithiseleyo, ziwanike ithuba lokufumana inzuzo enkulu yeerhafu. Oku kunokwenziwa kwerhafu oza kuhlawula xa uguqula kwiRoth - ingakumbi ukuba uguqula ngonyaka apho ingeniso yakho iphantsi. Ukuba iimali zeRoth zinethuba lokukhula kwaye zinokutshala imali ngokugqithiseleyo zingaba zixhobo ezinamandla ezinokukunceda ukuba iminyaka yakho yomhlalaphantsi ikhuseleke ngakumbi.