Umlinganiselo wakho wokuhlawula irhafu ubeka impendulo.
Ukuzama ukufumanisa ukuba kufuneka uhlawule iRoth IRA okanye i-IRA yeNdabuko?
NgeRoth, ubeka imali emva kwentela-ntlawulo, bahluma irhafu, kwaye abanakho ukuhlawula irhafu . Ngegalelo lomhlala-phantsi lomhlalaphantsi ufumana ukuncitshiswa kweerhafu xa ubeka imali leyo, bakhulisa irhafu, kwaye bahlawulwa irhafu xa bexothwa.
Ngoko ke kungcono?
Kukho indlela enye kuphela yokwazi ngokuqinisekileyo. Khawubhekisise izinga lakho lokuhlawula irhafu elisetyenziswayo ngokumalunga nesilinganiso sakho serhafu esicwangcisiweyo somhlalaphantsi.
Makhe sijonge ukuba kutheni izinga lakho lokuhlawula irhafu luncedo kakhulu ekunqumeni ukuba uluphi uhlobo lwe-akhawunti lokufaka isandla.
Kutheni ireyithi zerhafu ezingenanto zixhamla
Masithi unayo ikhaya elinomhlala-mboleko kwaye uchithelwa ngemali ngamnye ngonyaka. Cinga ukuba usenokuba ne-$ 18,000 ngonyaka ngemali echithwayo. Ukusebenzisa ireyiti yentlawulo ye-2016 yesiqabane esitshatileyo ngokufaka ngokubambisana oku kuthetha:
- Awuyi kuhlawula irhafu kwi-$ 18,000 yokuqala yokufumana imali engenayo.
- Imali engama-18,550 elandelayo yerhafu engenayo irhafu ihlawulwe kwi-10%.
- Imali eyi-18,551 ezayo ukuya kwi-75,300 yeerhafu ehlawulwa irhafu ihlawulwe kwi-15%.
Ngoku masicinge wena kunye neqabane lakho wenze i $ 72,000 ngonyaka.
- Awuhlawuli irhafu kwi-18,000 yokuqala ye-$ 18,000 ngenxa yokuncitshulwa kwakho, ngoko unayo imali engama-$ 52,000 engeniso.
- I-18,550 yeerhafu yakho yokuhlawula irhafu ihlawulwe kwi-10% kwaye i-$ 35,450 elandelayo ihlawuliswa kwi-15%.
Ukuba ubeka i-$ 5,000 kwi-IRA yendabuko okanye i-401 (k) iyakusindisa i-$ 750 yerhafu yengeniso kulo nyaka kwizinga le-15%.
Kodwa ingaba isantya sakho serhafu siya kuba nini xa uhoxisa loo mali ngexesha elizayo? Ngokomzekelo, unokuba ngowama-25% ereyithi yentela kumhlalaphantsi, oko kuthetha ukuba uza kuhlawula i-$ 1,250 kwiirhafu kwii-5000 zamaRandi xa uwususa.
Ukuba ucinga ukuba isantya sakho serhafu sinokuphakama kwixesha elizayo, umrhumo wokuthatha umhlala-phantsi onganakunqwenelekayo awuyi kuba yindlela efanelekileyo yokuhamba.
Akunakuqonda ukugcina i-15% kwiirhafu xa ufaka imali, kodwa uhlawule i-25% kwiirhafu xa ukhupha. Akunjalo ukuhamba ngokuhlakanipha!
Ucwangciso lwentlawulo lunceda
Uhlobo oluthile lokucwangcisa irhafu kunyaka ngamnye lunokukunceda ukwazi ukuba uluphi uhlobo lwegalelo elifanelekileyo. Makhe sibone umzekelo.
ULaura uyimpahla ye-estate estate, iminyaka engama-54. Ingeniso yakhe iyahlukahluka unyaka ngamnye. Uhlawula i-IRA yeNdalo minyaka yonke (igalelo elincinciweyo) ukwenzela ukuba angakwazi ukugcina imali eninzi kwiirhafu ... okanye ke ucinga.
Njengoko uqoqosho luye lucotha, ingeniso kaLaura yayingaphantsi kokuba yayifumene xa iqala imali ye-IRA rhoqo. ULaura wagqiba ekubeni enze uhlalutyo lwerhafu kwaye wagijimela ukuhlawula irhafu. Wayeneendleko zoshishino ezithintekayo, kwaye wayenako ukukhupha imali. Uqikelele ukuba akayi kuhlawula irhafu yengeniso yonyaka, kuphela yerhafu yokuqeshwa. Igalelo elichithwayo okanye lendabuko ye-IRA yayiza kunika inzuzo encinci yerhafu.
Ikhetho elingcono kakhulu kuye ngexesha lokunciphisa umvuzo wakhe ophantsi-mali ukuxhasa imali yeRoth IRA okanye iRoth 401 (k) , engenayo irhoxiso yerhafu, kodwa nangaphandle kokuba imali i-Roth yonke ingeniso-mali efunyenweyo ayihlawulwanga irhafu, zombini ngoku kunye nakwixesha elizayo, kwaye iRoth ifumana inzuzo ekhethekileyo kumhlala-phantsi: ingeniso oyihoxayo kwi-Roth IRA ayifakiwe kwifom ecacisa ukuba zininzi iintlawulo zakho zoKhuseleko loLuntu eziza kuhlawulwa .
Ukuba neRoth IRA imali yokurhoxisa kumhlala phantsi iya kunceda uLaura ukunciphisa inani leerhafu aza kulihlawula.
Unyaka ngamnye uLaura kufuneka asebenze ukuhlawula irhafu ukwenzela ukuba aqikelele ibhakethi yakhe yentela kunye nokukhetha ukuba yiyiphi i-akhawunti eyona nto inenzuzo ukuba ayisebenzise. Esi sicwangciso siza kufikelela kumawaka eedola zerhafu ezongezelelweyo ezifumanekayo kuLaura emva kokuba ethatha umhlalaphantsi.
Ngokomzekelo, masithi uLaura uneminyaka emihlanu engenayo imali engenamvuzo apho kunengqiqo ukufaka isandla kwiRoth, njengoko engayi kukwazi ukuyisebenzisa ekuncitshweni ukuba wenza igalelo leMveli ye-IRA. Uqokelela i-$ 25,000 kwiRoth kunye kunye ne-$ 5,000 enomdla kwiminyaka elishumi. Xa ethatha umhlala-phantsi usesekhokhini yerhafu ye-15%, akahlawuli irhafu kwiirhothi ezivela kuRoth, ngoko uyasindisa i-15% yeedola ezingama-30 000 okanye i-$ 4,500 ngokumalunga nokuya kwenzeka ntoni ukuba wayeqhubeka exhasa i-IRA yesiNtu ngonyaka .
* Kufuneka ube nemali engenayo ukuze wenze igalelo leMveli okanye iRoth IRA.