Funda indlela yokukhulisa imali yakho yokugcina umhlalaphantsi
IRAs zeNdabuko kunye neRoth IRAs zombini zineenzuzo zabo, kwaye ngenxa yoko, abaxhoba umhlalaphantsi bahlala bebuza umbuzo olula: "Ngaba ndinokufaka isandla kumbini weRoth IRA?"
Umbuzo obalulekileyo, kodwa impendulo idinga imvelaphi emibini kwiintlobo zee-akhawunti zomhlalaphantsi, ngakumbi xa kuziwa ngubani ovumelekileyo kunye nokunciphisa umrhumo wangoku. Masiqale ngeminye imibuzo ehlala ibuzwa malunga ne-IRAs.
Ukunikela kwi-IRA
Nabani na ofumana umvuzo ngexesha lonyaka werhafu angenza igalelo kwi-IRA. Oku kungenziwa ngemali engenayo evela kwimisebenzi yokufumana umvuzo okanye ngokwenza umsebenzi wokuzimela. Ukongeza, abasebenzi abatshatileyo banokufaka isandla kwi-IRA yomtshato egameni lomlingane wakhe ukuba loo mlingane wayenayo nayiphi na imali engenayo loo nyaka. Kungakhathaliseki ukuba, inzuzo evela kwiminqweno, izabelo kunye neenzuzo eziyinkunzi kuphela azivumeli umntu ukuba abe negalelo kwi-IRA.
Unokubanceda njani kwi-IRA
Ukubonelela ngempembelelo yakho ubuncinane njengoko inani leminikelo yakho, abahlawuli berhafu abangaphantsi kweminyaka engama-50 ubudala banokuthi bangene kwi $ 5,500 ngonyaka kwii-IRA zabo.
Abo bantu ubuncinane kwiminyaka engama-50 ubudala ekupheleni konyaka werhafu banokufaka i-$ 1,000 eyongezelelweyo kwi-catch-up savings ngonyaka ukwenzela ukuba i-$ 6,500 iyonke. Umda wegalelo uye wakhuliswa ngokusemgangathweni ukuze uhambisane nomlinganiselo wokunyuka kwamaxabiso kwaye uya kuqhubeka ekukhuliseni ngama-increments ama-$ 500 ngamnye ngonyaka apho kukho ukunyuka kwamaxabiso okulinganisela.
Indlela Imali Yakho Echaphazela ngayo Umrhumo Wakho Umrhumo
Nangona abanye abahlawuli berhafu abaphezulu banomda wokunciphisa i-IRA , ingeniso yakho ayichaphazeli ubuchule bakho bokwenza umnikelo wendabuko we-IRA. Nangona kunjalo, ingeniso yakho iya kuthintela amandla okubamba igalelo lakho, kwaye ukuncitshiswa kunokunciphisa ngokuphantsi.
Kufuneka kwakhona uqaphele indlela umvuzo wakho ochaphazela ngayo amandla okwenza umrhumo weRoth IRA. Abanye abakhokheli bentlawulo engenayo engenako bangenako ukufaka isandla kwiRoth IRA ngenxa yemida yeRoth IRA kunye nezithintelo. Ngaloo nkcukacha engqondweni, ngoku makhe sijonge ukuba ngaba abasindisi bemhlala-phantsi bangaba negalelo kwimbini ye-IRA kunye neRoth IRA.
Igalelo kwiRay IRA rhoqo
Ngaphandle kokuba uhlangabezane neemfuno zokufumana imali kunye nemingcele yembuyekezo yoluhlobo lwe-IRA, unako ukufaka isandla kwiRoth kunye ne-IRA yemveli. Enyanisweni, abatyali-mali abaninzi abanokukwazi ukunikela ngemibini yeentlobo ze-IRAs ukwenzela ukuba bavune iindleko ezikhawulezileyo zenkxaso-ntlawulo echithwa yerhafu kunye neenzuzo zangexesha elide zentlawulo ehlawulwa irhafu kunye nengeniso yerhafu ezayo.
Abanye bafumanisa ukuba ngenxa yeemeko kunye nemali engenayo, ukufaneleka kwabo kwiirhafu ezichithwe irhafu okanye ukukwazi ukufaka isandla kwiRoth kungashintsha, ngoko ke, ukuxhaswa enye okanye zombini ii-akhawunti kwimivuzo yerhafu abakwazi ngayo.
Oko kuthethwa, kukho ukunciphisa kwiminikelo. Inani elidibeneyo alinakuze lidlule umyinge wonyaka wenkxaso. Umzekelo, ukuba umntu oneminyaka engama-45 ubudala afanelekile kwaye akhethe ukufaka i-$ 3,500 kwiRoth IRA ngexesha lonyaka werhafu ka-2017, uninzi kunokuba abe negalelo kwi-IRA rhoqo ye-tax year nyaka ibe yi-$ 2,000. .
Akunandaba nokuba ukwahlula njani iRoth yakho kunye nemveli yenkxaso ye-IRA xa nje ungadluli umda wenkxaso yonyaka. Njengoko lo mda ukwanda kwiminyaka, iingcali zokucwangcisa umhlala-phantsi zilindele ukuba inkxaso yonyaka iya kuqhubeka ibambelele zombini iindidi zee-akhawunti zidibene.
Roth kunye negalelo leMveli ye-IRA
Sisayama ukuqonda ukuba iRoth okanye i-IRA yendabuko yenza ingqiqo yakho kwisicwangciso sakho semali?
Unokufunda okungakumbi malunga nenkqubo yokugqiba ukuba yeyiphi enye into efanelekileyo kwiimeko zakho ngokusebenzisa izibalo ezimbalwa okanye ufunde indlela yokukhetha i-IRA efanelekileyo . Ngenxa yokuba kunzima ukuqikelela apho iirhafu zerhafu zihamba kwixesha elizayo, kunceda ukwazi ukuba unako ukufumana ezilungileyo kwiintlobo zee-akhawunti zombini ngokwenza iminikelo kokubili kunye neRoth IRA.