Nika isigqibo sokuba yiyiphi i-Akhawunti yoMhlala-phantsi (IRA) eyona nto ilungile kuwe
Kodwa ke apho ukufana phakathi kweentlobo ze-IRAs ziphela. Xa ukhetha phakathi kwegalelo kwi-IRA yesithethe okanye i-Roth IRA, kufuneka uqonde kuqala ukungafani.
Kwabanye, isigqibo phakathi kweRoth IRA kunye ne-Traditional IRA yinto elula, njengoko ingahle ifumaneke ukufaneleka. Makhe sibone.
Ngaba Ufanelekile kwi-IRA yeRhafu yeRhafu?
Isinyathelo sokuqala ekuqaliseni ukuba i-IRA yeNdabuko yinto enhle kukukhetha ukuba ngaba uyakufanelekela yini ukunikezela ngegalelo kwi-IRA yeNdabuko kwimali engenayo engenayo. Inzuzo ngokukhawuleza ye-IRA yeNdabuko kukuba igalelo oyenzayo ingahlawulwa ngokugcwele okanye ngokukodwa kwiholo lakho lentlawulo. Kodwa nangona wonk 'ubani ofumana ingeniso ehlawulwayo afanelekele ukunikela kwi-IRA yeNdabuko (ukufikelela kumda wamanje, okwenyani), kungekhona wonke umntu ofanelekileyo ukutsala loo mnikelo.
Ukucacisa nje, ukuba wena kunye neqabane lakho lingagqitywa ngumcwangcisi wokuthatha umhlala-phantsi ofanelekileyo womqeshi, unelungelo lokwenza uxhaso lwerhafu kwi-IRA yeNdabuko kungakhathaliseki ukuba utshintsho lwakho lwalungeniso lungakanani (MAGI).
Ukuba uhlanganiswe esinye isicwangciso somhlala-phantsi esifanelekileyo njengama- 401 (k) ; Nangona kunjalo, ukunyuswa kwemivuzo yakho ye-IRA iya kuncitshiswa xa i-MAGI yakho ifinyelela kwimida ethile kuxhomekeke kwisimo sakho sokufakela. Okwangoku, imida yokunciphisa imirhumo ye-IRA yoLuntu ngokufakela iimeko zilandelayo.
| Ongatshatanga okanye iNtloko yoMakhaya | |
|---|---|
| I-Modified Income Income (i-MAGI) | IRA I-Deduction Yenza umlinganiselo wokufaneleka |
| $ 61,000 okanye ngaphantsi | Ukuxothwa ngokupheleleyo kumda wakho wenkxaso |
| Ngaphezu kwama-61,000, kodwa ngaphantsi kwama-71,000 | Ukutshatyalaliswa ngokukodwa |
| $ 71,000 okanye ngaphezulu | Akukho rhoxiso |
| Umtshato ozaliswayo kunye nomhlolokazi ofanelweyo (er) | |
|---|---|
| I-Modified Income Income (i-MAGI) | IRA I-Deduction Yenza umlinganiselo wokufaneleka |
| $ 98,000 okanye ngaphantsi | Ukuxothwa ngokupheleleyo kumda wakho wenkxaso |
| Ngaphezu kwama-98,000, kodwa ngaphantsi kwama-118,000 | Ukutshatyalaliswa ngokukodwa |
| $ 118,000 okanye ngaphezulu | Akukho rhoxiso |
| Ukutshata ngokutshatyalaliswa ngokwahlukileyo | |
|---|---|
| I-Modified Income Income (i-MAGI) | IRA I-Deduction Yenza umlinganiselo wokufaneleka |
| Ngaphantsi kwe $ 10,000 | Ukutshatyalaliswa ngokukodwa |
| $ 10,000 okanye ngaphezulu | Akukho rhoxiso |
Uya kufuna ukusebenzisa le miqathango njengesikhokelo ekunqumeni ukufaneleka kwakho ukukhipha iminikelo ye-IRA yangaphandle kwimali yakho engenayo engenayo, kodwa qaphela ukuba i-IRS ihlaziya ngokukhawuleza le mida yokunyuka kwamaxabiso.
Ngaba Ufanelekile kwiRoth IRA?
Amanqanaba okufumana imali anenkululeko kakhulu kwiRoth IRA, kwaye unako ukusungula nokufaka isandla kwiRoth IRA nangona usuvele uthatha inxaxheba kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi njengo-401 (k), Ukwabelana ngeNzuzo okanye iSicwangciso soPensheni kunye / okanye i-IRA yeNdabuko ekhoyo, kumanqanaba athile e ngeniso.
Isizathu salolu calulo olulodwa lwe-Roth IRAs kukuba igalelo kwiRoth IRAs ayikwazi ukuthathwa njengencitshulwa kwingeniso yakho engenayo.
Isixa onokufaka isandla kwiRoth IRA sincike kwisimo sakho sokufakela kunye neengeniso ezipheleleyo ezilungisiweyo (MAGI). Okwangoku, loo miqathango yile:
| Ongatshatanga, iNtloko yeMakhaya, okanye Ukutshata Ngokutshatyalaliswayo | |
|---|---|
| I-Modified Income Income (i-MAGI) | I-Roth IRA Igalelo lomrhumo |
| Ngaphantsi kwama $ 116,000 | Imali epheleleyo ukuya kumda wenkxaso |
| US $ 116,000 okanye ngaphezulu, kodwa ngaphantsi kwama-131,000 | Igalelo elinciphileyo |
| $ 131,000 okanye ngaphezulu | Unothi |
| Umtshato ozaliswayo kunye nomhlolokazi ofanelweyo (er) | |
|---|---|
| I-Modified Income Income (i-MAGI) | I-Roth IRA Igalelo lomrhumo |
| Ngaphantsi kwamaRandi 183,000 | Imali epheleleyo ukuya kumda wenkxaso |
| $ 183,000 okanye ngaphezulu, kodwa ngaphantsi kwama-193,000 | Igalelo elinciphileyo |
| $ 193,000 okanye ngaphezulu | Unothi |
| Ukutshata ngokutshatyalaliswa ngokwahlukileyo | |
|---|---|
| I-Modified Income Income (i-MAGI) | I-Roth IRA Igalelo lomrhumo |
| Ngaphantsi kwe $ 10,000 | Igalelo elinciphileyo |
| $ 10,000 okanye ngaphezulu | Unothi |
Uya kufuna ukusebenzisa le mida njengesikhokelo ekunqumeni ukufaneleka kwakho ukufaka isandla kwiRoth IRA, kodwa qaphela ukuba i-IRS ihlaziya ngokukhawuleza le miqathango yokunyuka kwamaxabiso.
IRA yeNdabuko ngokumelene neRoth IRA
Ukufaneleka kwakho ukukhipha iminikelo ye-IRA kunye nokufaneleka kwakho ukufaka isandla kwi-Roth IRA kunokuyiqonda kakuhle ukuba yiyiphi i-IRA oyikhethayo. Kodwa kuthekani ukuba unelungelo lokufumana iinzuzo zombini iindidi, njani ukhetha? Indlela efanelekileyo yokwenza isigqibo esinqununu emva kokugqiba ukufaneleka kwakho kukulinganisa iinkalo ezikhethekileyo ze-IRA nganye ngokuthelekisana.
Ukucinga ukuba unelungelo lokubamba igalelo lakho kwi-IRA yeNdabuko, nayiphina iminikelo iya kukhula i-tax-backerred, oku kuthetha ukuba awuyi kuhlawula irhafu kwiminikelo yakho de uze uhoxise, mhlawumbi umhlala phantsi. Xa uhoxisa imali, uya kuhlawula irhafu kwiimbini zakho kunye nemvuzo. Ukuba awufanelekile ukuncitshiswa, umrhumo wakho kunye nokuzuza kuya kuzuza ngokukhula kweentela, oko kutheni ukuba ne-IRA isona sikhethi esinokulungelelaniswa nabani na ukugcina umhlalaphantsi. Nangona ungafumani irhafu yentlawulo xa wenza igalelo kwiRoth IRA, amandla e-Roth IRAs kukuba i-earnings ayisoloko ihlawulwe irhafu. Ukukhula okungahlawulwanga irhafu kunye nokuba i-Roth IRAs ayithobeli phantsi kwemithetho emiselweyo yokusabalalisa idinga ukurhoxiswa (eyaziwa ngokuba yi-distribution minimum efunekayo okanye i-RMD) emva kweminyaka engama-70½.
Ngaba Uya kuzuza ngakumbi kwiRoth IRA?
Ingaba uza kuncedwa ngakumbi kwiRoth IRA ngokuchasene ne-IRA yeNdabuko kuxhomekeke kwimimandla efana nexesha eliza kubakho ngaphambi kokuba uthathe umhlalaphantsi xa uceba ukuqala ukusasazwa, kunye nebhasi yakho yerhafu ngoku kwaye iya kuba nini ngexesha umhlalaphantsi. Nangona ufanelekile ukufaka isandla kwiRRA yeRhafu yeRhafu, unokufumana inzuzo ngexesha elide ngokutyalomali kwiRoth IRA endaweni yoko.
Izinzuzo zerhafu zeRoth IRA zanda kunye nenani leminyaka phakathi kwexesha lokuseka i-Roth IRA kunye nexesha oqala ukuhambisa ngayo. Kukho kwakhona inzuzo yerhafu ukuba ulindele ukuba uya kuba sekhredithi ephezulu kwi-retrait kunokuba ukhona ngoku ngenxa yengeniso ephezulu okanye ikhowudi yentlawulo eyahlukeneyo (okuza ku funeka iqikelelwe). Ukuchonga ngokwenene ukuba uya kuphuma phambili neRoth, kufuneka wenze inombolo encinci kwaye ukhangele umfanekiso wakho wokutshala imali. Usenokufuna ukuthetha nomthengisi weerhafu.
Ukuguqula iiNgxowa ze-IRA zeMveli kwiRoth IRA
Abanye abantu bafanelekile ukuguqula imali egcinwe kwi-IRA yesiGadi ukuya kwi-Roth IRA, kodwa ukuguquka kudinga irhafu ukuba ihlawulwe kwixabiso eliguqulelwe ngexesha lokuguqulwa. Thetha nomcebisi we-IRA ngaphambi kokuba wenze isigqibo malunga nokuguquka.
Ezinye iinkcukacha ezahlukeneyo ze-IRA
- Unokumisela i-IRA kunye naliphi na iziko lezemali eligunyazisiweyo yiKhowudi yeNgeniso yangaphakathi, njengeebhanki, iinkampani zithemba, iibhanki zokulondolozwa, iifenki zokurhweba okanye iinkampani zenkxaso-mali.
- Ude ube ngu-Apreli 15 wonyaka ngamnye ukufaka isandla kwi-IRA yonyaka werhafu odlulileyo, kodwa ekuqaleni kunyaka owenza igalelo lakho, imali eyongezelelekileyo oyifumanayo.
- * Nangona igalelo leRoth IRA kunye nemali ehlawulwayo ngokuqhelekileyo ibonwa njengentlawulo-ntlawulo, leyo ibhekisela kwiirhafu zentlawulo yombuso. Imithetho yerhafu yombuso kwizabelo zeRoth IRA ziyahluka ukusuka kummandla ukuya kwilizwe.
Eli nqaku libhekiselwe nje ngoluhlu olubanzi lweRoth ngokubhekiselele kwiIras zeNdabuko. Kukho ezinye iinkcukacha ezininzi ezifakwe kwiiwebhusayithi ze-IRS ezinikezelwe kwiIRAs. Ukuqhathaniswa necala ngokubhekiselele kwimithetho elawula i-IRAs yeNdabuko kunye ne-Roth, jonga i-IRS 'ifayili efanelekileyo yokufanisa.