Khangela ukujonga ukuba umqeshi wakho unikezela iRoth 401 (k) icebo.
I-term yezobugcisa kwiRoth 401 (k) yi-akhawunti yeRoth ekhethiweyo. Ngokufaka inketho ye-akhawunti yeRoth ekhethiweyo kwi-401 (k) cwangcisa umqeshi unokukuvumela ukuba wenze umrhumo wenkcitho yangaphambili yendabuko kwi-401 (k), okanye i-Roth, emva kokuhlawula irhafu. (Amalungiselelo aseRoth angongezwa nakwezinye iintlobo zezicwangciso zokuthatha umhlala-phantsi ezifanelekileyo ezifana ne-403 (b) okanye izicwangciso ze-457.)
Kutheni Ndifanele Ndibe Nomdla kwiRoth 401 (k)?
Ngoxa unokucinga ukuba iminikelo yeRoth iyingcinci kuphela, inyaniso abantu abaninzi abaneminyaka engama-55 nangaphezulu banokuzuza ngokukhula kokungakhokhiswa kweerhafu kunye nokurhoxiswa kwerhafu ezayo kwi-akhawunti yeRoth.
Iingxelo zeRoth zibonelela ngenzuzo yengeniso kwimhlala-phantsi engenahla kwiirhafu. Ungayisebenzisa le akhawunti njengenqindi yokunciphisa iintlawulo zerhafu ngexesha lakho lomhlalaphantsi ohlala phantsi xa ufuna imali yokuza kubomi.
Xa ulondolozela umhlala-phantsi ufuna ukubeka iirhafu kwiirhafu, inzala engenayo kunye neenzuzo ezinkulu xa usebenza. NgeRoth ungakuphepha ngokupheleleyo ukuhlawula irhafu kule mijelo yengeniso-mali, kwimeko apho isicwangciso sokukhupha isibonelelo sikhokhele ukuya phezulu.
Ulwahluko phakathi kweRoth 401 (k) kunye neRoth IRAs
Kukho iintlobo ezahlukeneyo phakathi kweRoth 401 (k) kunye neRoth IRA.
1. Ukufumana Imingcele - Ukuba wenza imali eninzi, awufanelanga ukufaka isandla kwiRoth IRA .
Akukho mqathango wokunciphisa umvuzo kwiRoth 401 (k) iminikelo.
2. Umrhumo wenkxaso - Igalelo eliphezulu lifikelela kwiRoth 401 (k) liphezulu kunokuba i-Roth IRA, ukuze ukwazi ukugcina ngaphezulu, kunye nokukhula kotyalo-mali kunye nokusabalalisa kuya kuhlawulwa irhafu kwiminyaka yakho yomhlalaphantsi.
Imigaqo yoLwazi - kunye neRoth IRA, unokurhoxisa umnikelo wakho woqobo ngasiphi na ixesha.
NgeRoth 401 (k), akunjalo. Isicwangciso sakho sinokukuvumela ukuba uboleke kwi-401 yakho (k), okanye uthabathe ukukhutshwa kobunzima, kodwa kuninzi inxaxheba, ukhetho lwakho lokusabalalisa lugqityiweyo ngelixa usasebenziswa yinkampani enikela isicwangciso, okanye kude kube yile uneminyaka engama-59 ½ okanye i-akhawunti ekhethiweyo i-Roth ubuncinane iminyaka emi-5.
Ukwahlukana Phakathi kokuhlawula kwerhafu yangaphambili 401 (k) noRoth 401 (k) Imirhumo
Zonke iingu-401 (k) izicwangciso zokuthatha umhlala-phantsi ezifanelekileyo zivumela ukuba ulandele inxalenye yomvuzo wakho.
Ngokuqhelekileyo 401 (k) isicwangciso seminikelo sincedise kwisicwangciso esingaphantsi kwentela. Oko kuthetha ukuba uhlawula irhafu yengeniso kamva xa uthabatha imali ngaphandle kwangoko.
I-Roth 401 (k) isicwangciso somnikelo sinegalelo kwi-tax after tax basis. Oko kuthetha ukuba uhlawula irhafu yengeniso ngoku kwintlawulo ebenegalelo kwisicwangciso, kodwa xa sele ikhona, inokukhula ikhuphela irhafu kwaye ihoxiswe ngaphandle kwentlawulo yomhlala phantsi. Ezi zihoxiso zerhafu zingenakuncedo kuwe emva kokuba uneminyaka ye-60 ye-ad 70 kunye nokuqokelela ukhuseleko lweNtlalo.
Izinzuzo zerhafu zeRoth 401 (k)
Iingxelo zeRoth zinikeza enye yeendlela ezimbalwa zokunyusa ngokukodwa imali yerhafu. Xa nje ulandela imithetho, yonke inzala, izabelo kunye neenzuzo ezinkulu phakathi kweRoth yakho aziyi kuphinda zihlawulwe kwakhona.
Oku kunamathuba athile ahlukeneyo kumhlalaphantsi kunye nokucwangciswa kwezinto:
- Izabelo zeRoth azibandakanyi kwifom ecacisa ukuba zininzi iintlawulo zakho zeNtlalo-ntle ezihlawulwayo .
- Izabelo zeRoth azikho kwifom ecacisa inani lemali-premium ye-Medicare Part B oyihlawulayo.
- I-Roth IRA, ngokungafani ne-IRA rhoqo okanye i-401 rhoqo (k), akudingeki ukuba uqale ukusasazwa kwiminyaka engama-70 / 1/2 , nangona kunjalo i-Designated Roth ibonisa kwisicwangciso se-401 (k) sithobela imithetho ephantsi yokuhambisa . Unokuziphepha ezi ntlawulo ezifunekayo ngokufaka i-akhawunti yakho ekhethiweyo iRoth kwiRoth IRA ngomhla wokuthatha umhlalaphantsi. Khumbula - ngelixa uhlala usebenza, awukwazi ukwenza i-rollover.
- Iingxelo zeRoth zingaphumelelisi irhafu kubaxhamli bakho.
Ukwahlukana kwiMimiselo yokuSasazwa kwiRoth 401 (k) ngokumalunga no-40 yerhafu (k)
Ngama-401 (k) icebo malunga no-55 ungathatha iintlawulo ezingenahlawulo, ngaphandle nje kokuba uthatha umhlala-phantsi kwi-55 okanye kamva.
Ukuba uthatha umhlalaphantsi phambi kweminyaka yobudala engama-55 okanye uneminyaka engama-401 (k) cwangciso uza kufuneka ulinde uneminyaka engama-59 ½ ukuya kuthatha ukusabalaliswa kweentlawulo. Ukukwazi ukukhutshwa kwe-penalty-free ezamahala kwi-55 okanye kwi-59 / 1/ ingasetyenziswa rhoqo kwiRoth 401 (k) akhawunti.
Ngo-Roth 401 (k) ukusabalalisa, umthetho okhethekileyo wo-5 wonyaka usebenza. Ngaphambi kokuba unokuphephela irhafu kwizabelo, i-Roth 401 yakho (k) iminikelo kufuneka ibanjwe ubuncinci kwiminyaka emihlanu, nokuba uneminyaka engama-55 okanye ngaphezulu kweminyaka engama-59 ½.
Umzekelo: Ukuba uqale ukwenza iRoth 401 (k) iminikelo yexesha lokuqala kwi-khalenda yonyaka oye waphendukela kwiminyaka eyi-57 ubudala, okokuqala ufanelekile ukunikezelwa kweentlawulo ezingenaserhafu kuya kuba unyaka wekhalenda ubeneminyaka engama-62.
Qaphela: Ngokungafani ne-Roth IRAs, iRoth 401 (k) iakhawunti ayivumeli ukuhlawulwa kwexesha lokuqala lokuhlawulwa kweendleko zokuthenga iindleko zangaphambili.
Kuthiwani Ngomlingani Wabaqeshi?
Ukuba ukhetha iRoth 401 (k) inketho kwaye inkampani yakho inikeza inzuzo enxulumene negalelo, umdlalo uya ku-401 (k) yecala rhoqo kwaye iya kuhambelana neenkonzo eziphantsi kunye neerhafu eziqhelekileyo emva kokurhoxiswa. Xa uhlukanisa neenkampani yakho ungayifumana kamva loo mivuzo kwiRoth IRA yakho kwaye uhlawule irhafu. Musa ukukwenza okokuqala uqale ukuthetha nomcwangcisi wezemali ukuba ubone ukuhamba ngokuhle kwisicwangciso sakho somhlalaphantsi.
Ufumana njani iRoth 401 (k)?
Ukuba ungumqeshwa, cela umqeshi ukuba avumele iRoth 401 (k) iminikelo, kwaye ukuba ayifuni kwaye unqwenela ukuba nalo khetho, ngoko ubonise ukhetho lwakho kubutyebi buntu okanye kumnini-shishini. Azikho zonke izicwangciso zomqeshi ezibonelela ngolu khetho kodwa njengoko abantu abaninzi baye bafunda kwaye bacela inketho yeRoth, abaqeshi baphendule kwaye izicwangciso ezininzi ziyakunika ngoku.
Ukuba ungumnikazi webhishini kunye nabasebenzi, unokwakheka ukuseka i-401 (k) isicwangciso soshishino lakho evumela iminikelo yeRoth. Iindleko zolawulo zingahluka ukusuka kumboneleli ukuya kumniki-nkonzo, ngoko zithengeza.
Ukuba ungumqeshwa oziqhelanga kunye nabasebenzi ngaphandle kweqabane lakho , ungasetha oko kuthethwa ngamanye amaxesha njenge- Individual (k) okanye iSolo (k) icebo elivumela ukuba wenze iRoth 401 (k) iminikelo.
Qaphela: Kungenzeka ukuba kukho imeko yokuba zombini iintlobo ezingama-401 (k) iminikelo; Roth kunye no-pre-tax. Qhagamshelana nocwangciso lwezemali okanye ubuchwepheshe beerhafu ukuphonononga imeko zakho ezizodwa ukuze ubone ukuba oku kulungile.
Roth okanye rhoqo?
Umbuzo wee-dollar eziliqela, ngaba kulungile ukuhlawula irhafu ngoku okanye kamva? Impendulo ixhomekeke kwisantya sakho serhafu ngoku, kunye nereyithi yakho yerhafu yeprojekthi. Kubantu abaninzi, kunengqiqo ukufikelela umhlala-phantsi kunye nokulinganisela kokubhaliweyo kwee-akhawunti zangaphambili zerhafu kunye neerhafu.
Oko kuthetha ukuba ufuna ukufaka isandla kwiintlobo zombini zeakhawunti endleleni. Ngokubanzi, iminikelo engaphambili yerhafu yenza ingqiqo xa izinga lakho lokurhafu li-28% okanye ngaphezulu. Iminikelo yeRoth yenza ingqiqo xa izinga lakho lentela li-25% okanye liphantsi.
IRS Imithombo
Ukuze ufumane iinkcukacha ezimfutshane kwiRoth 401 (k) izicwangciso zivakatye kwiwebhusayithi ye-IRS, iplani yokuthatha umhlala-phantsi kwi-akhawunti ye-Roth.