Indlela yokugqiba ukuba ngaba ixesha elifanelekileyo lokuguqula iRoth

Izinto ezifanele ziqwalaselwe Xa zichonga ukuba i-Roth Conversion yenza i-Sense

Uninzi lwethu lukhetha ukukhetha iintlobo ezahlukeneyo zobomi - i-caffeine okanye i-refaf, iphepha okanye iplastiki, rhoqo okanye ngaphezulu-kodwa ezinye izinto ziyanzima kunabanye. Kubonakala ngathi nje kwiminyaka elishumi edlulileyo, abasindisi bokuthatha umhlala-phantsi abazange bafune ukulwa nesigqibo soluphi uhlobo lwe-IRA ababeza kuyisebenzisa ekwakheni iqela lokuthatha umhlalaphantsi. Kodwa ukususela ekubeni ikhethi le-Roth IRA liqaliswe kwimeko ekupheleni kwee-1990, abatyali-mali kufuneka bakhethe kuphela uhlobo oluthile lwe-akhawunti yokuvula, kodwa nokuba kungenangqiqo ukuguqula i-IRA yendabuko ekhoyo kwi-Roth IRA.

Ukuba ukhona kuloo nkampu, usenokujamelana nesigqibo esinzima esinempembelelo ebalulekileyo yakho yomhlalaphantsi.

Qonda izibonelelo zeenguqu zeRoth IRA

Ukuguqulwa kweRoth IRA kukunikezela ngeenzuzo zerhafu-ntlawulo, kungekhona nje ukukhula kwerhafu, ukukhula. Kunokuba uhlawule irhafu kwiirhafu ozithathayo kwi-IRA yendabuko xa uhlala phantsi, ukwabiwa okufanelekileyo kwiRoth IRA ayinayo imiphumo yerhafu. Kungenxa yokuba ubuya kuhlawula irhafu ngaphambili; Iminikelo ye-Roth yenziwe ngeedola eziye zahlawulwa. Ukuze kuthatyathwe njengoluhlu olufanelekileyo, ukusasazwa kweRoth IRA kufuneka kwenziwe emva kwexesha eli-5 elihlawulwayo lokuthatha inxaxheba kwaye lenzeke emva okanye emva kokufikelela kwiminyaka eyi-59 ½. Kwimeko yokuguqulwa, iminyaka emi-5 kufuneka idlule ukususela ekuguqulweni

Qaphela ukuba ukuguqulwa kungakubiza iindleko

Ingxaki yokuguqulwa kweRoth IRA kukuba xa imali yokuguqulwa esuka kwi-IRA yendabuko ukuya kwiRoth yimali ebalulekileyo, ungagqiba ukuhlawula irhafu kuwo wonke okanye inxalenye yemali ngokungathi uyenzile ukuhoxiswa.

Ngokuxhomekeke kubukhulu be-IRA yakho ibhalansi yentlawulo efanelekileyo ngenxa yeyona nto inokuba yinto enkulu yokukhupha kwiqanda lakho lokuthatha umhlalaphantsi kwaye kufuneka ube nemali efumanekayo yokuhlawula irhafu efunekayo. Uguqulelo lwe-Roth lungenakukuhlahlela kwibhaksi yerhafu ephakamileyo yonyaka oguqula ngawo. Ukunciphisa igalelo, ungatshintsha kancane kancane kwi-IRA yendabuko ukuya eRoth kwiminyaka emithathu yentela.

Isicwangciso sokuguqula iRoth esisebenzayo sithatha ingqwalasela ukuba ungayiguqula njani unyaka ngamnye ngaphandle kokuba uphakanyiswe kwi-bracket ephezulu.

Gcina ingqalelo kwezi zikhokelo ezilandelayo:

• Ukuguqula i-IRA yakho inokuba yinto efanelekileyo xa uqinisekile kakhulu ukuba i-bracket yakho iya kunyuka umhlalaphantsi (ukuguqula ngoku kuya kukuvumela ukuba ukhokhe irhafu kwimali okwangoku, izinga lentlawulo ephantsi).
• Ixesha lakho lomhlalaphantsi kufuneka lichaphazele isigqibo sakho. Cinga ngoxa uceba ukuvelisa ingeniso kwi-IRA yakho. Ixesha elithe xa ufanele uzuze ekukhuleni kwentlawulo ye-ntlawulo yakho engcono. Ukuba umhlala-phantsi ulungele ngekona kwaye uceba ukuthembela kwi-IRA yakho ukuhlangabezana neenjongo zokuphila zemali onayo ixesha elincinane lokuvumela ukukhula kwentlawulo engenakuhlawulwa kwentela ukusebenzela kwakho.
• Ukuguqulwa kwe-Roth IRA kuyafaneleka ukuqikelela ukuba ufuna ukutshintshela ingeniso yerhafu kwesinye isizukulwana. I-Roth IRAs ayithobeli phantsi kolawulo olufunekayo oluPhezulu (RMD) ngexesha lobomi bomnini. Ngexesha lokufa i-Roth IRAs iya kuba phantsi kweteti ekhethekileyo yemigaqo yokurhoxiswa yonyaka yindlalifa (jonga i- IRA enelifa ).
• Ukuguqula kungenakukufaneleka ukuba ulindele ukuba ube kwibakethi yentela encinane xa ususa umhlalaphantsi.

• Musa ukulibala ukuba irhafu yengeniso yelizwe nayo ifuthe kwisigqibo sokuguqulwa kweRoth.
• Ukuba uya kufuneka uhoxise imali kwi-IRA yakho ukuhlawula irhafu ngokuguqulwa, cinga ukuba ibhalansi yakho iya kuncitshiswa. Qinisekisa ukuba ukuhlawulwa kwemali kunye nokurhoxiswa kweerhafu kwi-Roth IRA ibhalansi ephezulu ngaphezu kwemali kwiholo eliqhelekileyo le-IRA ibhalise irhafu yengeniso eya kufuneka ihlawulwe ngokurhoxiswa kumhlalaphantsi.

Izixhobo zokukunceda ukuba wenze isinqumo sokuguqula iRoth IRA

Nasiphi na isigqibo sokuguqula kufuneka sisekelwe kwisimo sakho semali somntu, iirhafu zentlawulo zangoku, iindleko zerhafu ezizayo, iinjongo, iminyaka yobudala kunye neenjongo zokuceba. Ungakwazi kwakhona ukufundwa kokuqala malunga nokuba ukuguqulwa kuyinto ekufuneka uyiqwalasele ngokusebenzisa i-calculator Converter Roth IRA.

Ukugijima ezimbalwa ngaphambi nangemva kweembalo kunye ne-calculator yerhafu yerhafu njengaleli evela kwiTurboTax inokubonisa ukuba luncedo. Mhlawumbi ngeke ufune ukwenza ukhetho lokugqibela kuphela ngokusekelwe kwiziphumo . Kodwa, ubuncinane ungasebenzisa iziphumo zokudlala kuzo zonke iinguqu ezikhoyo kwaye ubone ezinye zezinto eziya kwisigqibo.

Ukugqiba ukuba okanye ukuguqula ii-IRA kungaba yinye yezinto ezixhasayo zemali. Kunzima ngokwaneleyo ukuqikelela ikusasa, kodwa ukuqikelela ukuba ngubani na oya kubagweba umthetho oza kuthatha isigqibo sokwenza nentlawulo yengeniso. Ukuthatha ixesha lokwenza ukhetho oluhle ngoku ngokusekelwe kwiinjongo zakho zezimali ezikhethekileyo kunokuthetha ukuba uya kuba ngumbono ongcono ukwenza ukhetho olunjenge "uhambo okanye uqalise umdlalo omtsha" xa ugqiba ukuthatha umhlalaphantsi.