Yintoni engcono - i-IRA yendabuko okanye iRoth IRA?
Kungakhathaliseki ukuba le nto ibalulekile kuwe, ukuqonda ukungafani phakathi kweeakhawunti ezimbini kuya kwenza ukuba ukhetho lwakho lube lula.
Hlola zombini i-IRA yesiGadi kunye ne-Roth IRA ukuze ufumane ingcamango engcono yendlela ngamnye angayifumana ngayo kwi-portfolio yakho yonke.
Akhawunti, Akunatyala
Cinga ngezobini ze-IRA kunye neRoth IRA njengoluhlobo lwe-akhawunti yokubamba. Iimpahla ezininzi ezahlukileyo zingangena ngaphakathi, ukusuka kwiimpahla , iibhondi , i- real estate , imali kunye kunye neengxelo zemali , kwiimarike zemali kunye nezatifikethi zokufaka idiphozithi , kodwa yinto enjalo, iCongress imisela inani lemali ongayifaka kule akhawunti qho ngonyaka. Oku kwaziwa ngokuba ngumda wegalelo . Ngokuxhomekeke kukuphi uhlobo lwe-IRA oyikhethayo, iziphumo zerhafu ziyahluka.
Ingqwalasela ye-IRA yeNdabuko
Imirhumo irhoxiswa yerhafu ngelixesha elenziwe ngabantu ngabanye kunye neentsapho ezifumana ngaphantsi komyinge wokunciphisa ingeniso kunyaka nawuphi na unyaka owenziwe, ohlaziywa rhoqo yi-IRS. Umda wegalelo uqulethe umda wegalelo "wesiseko" kunye nomda wokubamba "umthamo" wokuba abantu abaneminyaka engama-50 okanye ngaphezulu bangasebenzisa. Ngokomzekelo, ngowama-2017, umda wenkxaso yesiseko wawungama-$ 5,500 kunye nomda wokubambisa u-$ 1,000, ngoko ke umntu oneminyaka engama-52 ubudala, kunye noqeqesho olufanelekileyo kwi-IRA yeNdabuko, unokufaka i-$ 6,500 kwi-akhawunti yakhe.
Kwiminyaka apho imali yakho ihleli kwi-IRA yakho yeMveli, ngokungakhathaliseki ukuba ulandela imithetho, awuyi kuhlawulwa nayiphi na irhafu kwiphina inzuzo yokutyalomali oyenzayo. Oko kuthetha ukuba akukho ntlawulo kwiintlawulo ezinkulu kwaye akukho ntlawulo kwizabelo, inzala kunye neendleko . Nangona ufumana ukuhlala kwizigidi ngezigidi zeedola kwiingeniso, ngokungakhathaliseki ukuba zikhuselekile kwi-akhawunti, uhulumeni, urhulumente kunye noorhulumente bendawo abafumani nanye. Uza kuhlawula irhafu ngokukhula xa usuhoxisa imali.
Unokuqala ukwenza ukurhoxiswa kwi-IRA yakho yobudala eneminyaka engama-59.5 ubudala ngaphandle kokuhlawula isohlwayo sokuthoma . Umele uqale ukuthatha iirhafu kunye nokuhlawula irhafu kulabo bahoxisayo. Zonke iirhoxiso zihlawulwa, kubandakanywa inqununu yenqanaba elidlulileyo njengoko bekuye kuhlawulwa irhafu ngelixa igalelo lenziwe, nge minyaka engama-70.5 ubudala ukuze ungeke uqokelele imali emininzi kwireferensi yerhafu.
IRAs zeMveli kunye neeRoth IRAs zixhobo ezikhuselekileyo zokukhusela impahla. Ngaphantsi kweminyaka emithathu yemingcele yokukhusela i-bankruptcy inomhla woku-1, ngo-Ephreli 1, 2016, echitshiyelwe kwiindleko zokuphila iminyaka emithathu, umtyalo-mali unokufikelela kuma-1,283,025 edibeneyo kwimilinganiselo ehlangeneyo kuzo zombini iintlobo ze-IRAs kwaye akhululwe kwiimangalo zemboleko. Izibini ezitshatileyo zingaphinda ziphindwe kabini le mali kuba iIra yeNdabuko kunye neRoth IRA kufuneka ibe ngumntu ngamnye. Akukho nto injenge-IRA ene-joint. Le yenye yezona zizathu ezibalulekileyo ukuba ufune isiluleko sommeli oqeshwe ngokusemthethweni phambi kwesigqibo esinzulu xa ujongene nobunzima bezezimali. Into eyona nto ongayenzayo yilahla iRRA IRA okanye iRoth IRA ibhalansi uze uvakalise ukutshatyalaliswa kwebhanki, njengoko uzithembele iminyaka yokwakha kwakhona xa usenokuvela kwi-courthouse kunye neengxowa-mali zakho zomhlalaphantsi.
Ingqwalaselo yeRoth IRA
Iintlawulo kwiRoth IRA zenziwe ngeerhafu zerhafu emva kokuba zenziwe. Nangona kunjalo, ngokungafani ne-IRA yeNdabuko kwaye kuxhomekeka kwiimeko ezithile ezincinci, ukuba ufuna ukuhoxiswa kwempembelelo yakho yangaphambili, ungenza loo nto ngaphandle kwentela ngaphandle kokuhlawulwa kwangaphambili, nakuba ungeke ukwazi ukutshintsha imali xa beshiya i-akhawunti. Kukho imiphumo yerhafu nayiphi na inzuzo yokutshala imali okanye ezinye iimali ezingaphezulu kweemali zembali kwiRoth IRA ukuba ithathwe ngaphambi kokuba uneminyaka engama-59.5 ubudala.
Ngethuba leminyaka imali i-Roth IRA, nayiphina inzuzo oyenzayo iya kukhula ngaphandle kwentela.
Akukho mfuneko yokusabalalisa ubudala. Ukuba uhlala ube neminyaka eyi-105 ubudala kwaye uphele ngeR $ 25,000,000 yeRoth IRA ngenxa yokuba ufumene uMcdonald's olandelayo, akudingeki unike i-dime yayo kwi-Federal, uRhulumente kunye noorhulumente bendawo ukuba wenze ukuhoxiswa kwaye uqale ukuchitha phantsi kwemigaqo ekhoyo.
Ukhuselo olufanayo lwe-bankruptcy olufake i-IRA yeNdabuko lufake iRoth IRA.
Iingeniso zerhafu zokuncedisa irhafu zinenzuzo kakhulu kwiRoth IRA yokuba iCongress iyakulinganisa ngokucacileyo kubantu kunye neentsapho ezinemivuzo emiselweyo engaphantsi kweminye imingcele ebekwe ngaphambili. Ezi zihlaziywa rhoqo ngonyaka.
Ukuxhamla inzuzo yeRoti IRA, ininzi abantu baseMelika abangafanelekanga ngenxa yokuba benza imali eninzi ebandakanya inqubo ebizwa ngokuba yi "backdoor Roth IRA" ebandakanya inkxaso ye-IRA yeNdabuko, iguqule ibe yiRoth IRA.
Ndingakuvula njani i-akhawunti ye-IRA?
I-Roth IRA kunye ne-IRA yeNdabuko zimbini iintlobo ze-akhawunti, ingenalo utyalo-mali, ngoko uvumelekile ukuvula kunye neentlobo ezahlukeneyo zamaziko ezezimali. Ukuba uya ebhanki okanye umanyano weentengo zemali, banokunikela ngoluphi uhlobo lwe-IRA kodwa bakuvumela ukuba ufake izitifiketi zokufaka kuyo.
Ukuba unayo i-IRA enekredithi yokuthengisa isaphulelo ezifana neCharles Schwab okanye iStratrade, unokubeka malunga nantoni na ekuthengwa ngayo esidlangalaleni kuyo, kubandakanywa iimali zenkxaso-mali ezithengiswayo ezifana ne-SPDRS okanye izitokisi ze- blue-chip . Abanye abatyali-mali abasebenzisa kuphela iimali ezidibeneyo zabo iimfuno zabo zokuthatha umhlalaphantsi bakhetha ukuvula i-akhawunti ye-IRA ngqo ngqo kunye neentsapho zengxowa-mali ezifana ne-Fidelity okanye iVanguard.
Ngaba Ndifuna Imali Kangakanani Ukuqala?
Ubhaliso obuncinane bokuvula kuyo nayiphi na uhlobo lwe-IRA lugqitywe liziko lemali ovula ngalo iakhawunti. Abanye badinga i-$ 1,000 ukuya kwii-3,000 zamawaka. Abambalwa baya kukuvumela ukuba uqale kunye ne-$ 100 kwimeko yokuba ubeka imali encinci ngenyanga ngenani elifanelekileyo lokubonisa ukuzinikela kwakho.
Ngaba Ndinayo Iintlobo Ezi?
Ewe, kwaye unokongeza imali kwizinto zombini kunyaka oye wanikezela ukuba umrhumo wakho, igalelo elidibeneyo alidluli umda wokubaluleka osebenzayo kunyaka. Umzekelo, kunyaka apho umntu oneminyaka engama-37 ubudala angenza kuphela igalelo elipheleleyo lama-5,500 ayi-$ 500, loo mntu unokubeka i-$ 2,000 kwi-IRA yeNdabuko kunye ne-$ 3,500 kwi-Roth IRA ngenxa yokuba idibeneyo, ikhona, okanye iphantsi, i-$ 5,500 umda. Ukuba uyadlula umda wegalelo kwaye ungayilungisi kwifasitela ethile yexesha, urhulumente uya kuhlola iirhafu eziya kubangela ukuba uhluthe i-balance balance.
Ngaba ndinayo i-Roth IRA kunye / okanye i-Traditional IRA Plus i-Akhawunti ye-Retirement emsebenzini?
Ewe. Ingaba unomsebenzi we-W-2 okanye usebenzela wena, unakho ukhetho oluninzi lwee-akhawunti zomhlalaphantsi. Ukongeza kwenkxaso ye-Roth IRA okanye i-Traditional IRA ngamnye ngonyaka, unokuxhaswa ngemveli 401 (k) , iRoth 401 (k), iSolo 401 (k) , i- 403 (b) , i- SEP-IRA , i- SIMPLE IRA , okanye ezinye izicwangciso ezifanelekileyo. Ezi zihlandlo zihlala zinezinye iingenelo zazo, kuquka ukukhuselwa okungenamkhawulo ekukhuselweni kwe-bankruptcy ku-IRAs.