Izinto ezili-9 ezithintekayo Ngaba awuyazi malunga neRoth IRAs

by Dana Anspach

01 I-Roth IRA Iminikelo ingasetyenziselwa njengeeNgxowa-mali eziphuthumayo

Iminikelo yeRoth ayinakucatshulwa. Inzuzo kule nto kukuba unako ukurhoxisa umrhumo wakho nayiphi na ixesha, nangaliphi na isizathu, kwaye akukho ntlawulo okanye izigwebo ezisebenza. Ngolu hlobo lobutyebi iRoth ingaziphinda kabini njengengxowa-mali yakho .

Ngaphambi kokuba ucwangcise ukusebenzisa iRoth yakho ngenjongo, khumbula ukuba inkcazo "yeminikelo" ayifaki ixabiso eliguqulelwe kwiRoth okanye libandakanya neenzuzo zophuhliso. Ngokomzekelo, ukuba ubeka i-$ 5,500 yeedola kwaye ukhule ube ngu-6,000 wee-$, unokurhoxisa imali engama-5 500 yemali ngaphandle kweerhafu okanye izigwebo, kodwa iirhafu kunye nezohlwayo ziyakwenza isicelo ukuba ulahle i-$ 500 yenzuzo.

02 Abanye bangasebenzisa i-IRA engekho-deductible ukuyixhasa iRoth

Ukuba wenza imali eninzi awukwazi ukufaka isandla kwiRoth IRA ... okanye unako? Abanye abantu abanayo yonke imali yabo yomhlala-phantsi ngaphakathi kwiakhawunti yomhlala-phantsi abanokwenza igalelo le-IRA elingenakudalulwa ngamnye ngonyaka kwaye baguqula loo nto kwiRoth , ngaloo ndlela baxhaswa ngemali ngeRoth IRA. Ngamanye amaxesha ubizwa ngokuthi " umnyango waseRoth" .

Isihluthulelo sokwenza lo msebenzi ngaphandle kokuhlawula irhafu ethe xaxa ukuqinisekisa ukuba awunayo i-akhawunti ye-IRA. Kwezinye iimeko unokwenza i-IRA eyayizithumele ngqo kwisicwangciso senkampani ukwenzela ukuba kwiminyaka ezayo ungasebenzisa isicwangciso seRoth yangasemva ngaphandle kokuhlawula irhafu kwixabiso eliguqulelwe.

03 Uyakwazi ukurhola emva kwentela 401 (k) Iminikelo kwiRoth IRA

Izicwangciso ezininzi zomqeshi zivumela ukuba wenze umrhumo werhafu emva koko. Xa uthatha umhlalaphantsi, le ntlawulo yerhafu emva kokuba ihlawulwe ngqo kwiRoth IRA . Naliphina inzuzo yokutyalomali kwiminikelo yerhafu emva kokungenako ukungena kwiRoth, kodwa izixa onika zona unako.

Ukuba isicwangciso sakho somqeshi sinikeza lo mbandela ngoko unako ukuqokelela imali yentela emva kwerhafu kwaye kamva uyisebenzise ukuxhaswa kwiRoth IRA. Oku kunenzuzo kumhlalaphantsi njengoko iRoth IRA ihoxiswa ayifakwanga kwaye ayinakuchaphazela ezinye izinto kwirejista yakho yokubuyisela indlela yokurhoxisa i-IRA.

04 I-Roth IRAs Akunakho iMifuziselo encinci efunekayo (RMD's)

Enye into ebalulekileyo malunga neRoth IRAs yinto engafaniyo ne-IRAs yendabuko ayikho iminyaka apho kufuneka uqale ukuthabatha imali. Oku kuthetha ukuba akukho bhokhwe yerhafu eliliweyo elinde iRoth.

Nangona kunjalo, iindlalifa zakho ezingenabo-mateli, kuya kufuneka zithathe iifom ezifunekayo ezivela eRoth , kodwa ezo mpahla ziya kubakhokhelwa irhafu kubo.

05 Unokuba negalelo kwi-IRA SIMPLE kunye neRoth IRA

Unokuxhasa i-IRA elula kunye neRoth IRA. I-Comstock Izithombe / i-Stockbyte / i-GettyImges

Ngethuba nje ingeniso yakho engenayo ingaphantsi kwe-Roth IRA umrhumo wenkxaso ngoko unako ukufaka isandla kwiRoth IRA kwakunye ne-SIMPLE IRA ukuze ukwandise oko ugcinayo ngomhlalaphantsi. Igalelo kwi-SIMPLE iya kuncitshiswa kwaye igalelo kwiRoth ngeke.

Esi sicwangciso senkxaso-mali sinokunika ithuba lokunciphisa ingeniso ehlawulwayo ngoku kwaye unemali kwiRoth iqokelela ngeenzuzo zerhafu ngokuthatha umhlalaphantsi. Oku kunokuba luncedo kumntu oqeshwe ngokuzimeleyo kwaye uzama ukugcina ubuninzi bexesha elizayo.

06 Isicwangciso sakho somqeshi singavumela iRoth Impributions

Uninzi lwama-401 (k) izicwangciso zinika amandla okwenza iminikelo kaRoth. Oku kubizwa ngokuba yi " akhawunti ekhethiweyo yeRoth ." Hlola nomqeshi wakho ukuba ubone ukuba isicwangciso sabo sikubonelela njani ukukhetha uhlobo lunikelo ofunayo ukwenza.

Ngezinye iiplani kufuneka zibe yiRoth okanye yonke irhafu-deductible; Ezinye izicwangciso ziyakuvumela ukuba wenze ezinye zazo. Ukuba isicwangciso sakho somqeshi asiyikuvumela isicelo sokuxhasa iRoth ukuba bayongeze ngokuzayo xa bechonga isicwangciso sabo.

07 Ubudala akuyona into ebaluleke kunazo zonke ekunqumeni ukuba kufuneka uFake iRoth

Ubulumko obuqhelekileyo uthi incinci uhlala ixesha elininzi xa unayo imali yokukhulisa irhafu ngaphandle kweRoth. Liyinyani, ixesha elide lenza iRoth ibe bhetele, kodwa ubudala abuyona nto ebalulekileyo ekufuneka ichonge i-IRA okanye i-Roth IRA. Into ebalulekileyo yokusebenzisa ibhakha yakho yerhafu; zombini umlinganiselo wakho wokuhlawula irhafu ngoku, kunye nomlinganiselo osalindelekileyo wokuhlala phantsi.

Ukuba izinga lakho lokurhoxiswa kweerhafu ekulindeleke ukuba umhlala phantsi libe liphantsi kwezinga lakho lokuhlawula irhafu ngoku, igalelo elichithwayo lingcono. Ukuba izinga lakho lokurhafelwa umhlalaphantsi lingaba lilinganayo okanye liphezulu kumhlalaphantsi (oqhelekileyo kwimeko kulabo abanama-akhawunti angama-401 (k) okanye i-akhawunti ye-IRA) kunokuba amaRoth angenza ingqiqo eninzi kuwe.

08 Unako Ukukwazi Ukwenza Igalelo Lomtshato Roth

Nangona iqabane lakho lingenayo imali engenayo nje kuphela xa ufumene imali engenayo ungenza igalelo le-IRA egameni labo. Oku kubizwa ngokuba ngumtshato we-IRA . Iibini ezininzi zikwazi ukuphinda zilondoloze i-akhawunti yokulondoloza i-akhawunti yomhlala-phantsi.

Buza i-akhawunti yakho okanye umcebisi wezemali ukuba ngaba iimali zakho zifanelekile ukuba wenze igalelo lomtshato waseRoth. Ukuba ufanelekile kwiRoth kodwa ucinge ukuba unayo imali ukuze wenze igalelo ukujonga ingcaciso yokugqibela ye-IRA malunga neengcinga ezithile zokudala.

09 Roth Conversion Calculators Miss Ezinye Izinto

Unokuguqula i-IRA yendabuko okanye i-401 (k) imali kwiRoth. Abaninzi be-calculators kwi-intanethi bavelisa iziphumo zolu hlobo lomsebenzi ukukunceda ukuba ubone ukuba ingaba nengqiqo kuwe-nangona kunjalo, zininzi izinto ezibalahlekileyo zokubala abaguquleli beRoth kwi-intanethi .

Ngokomzekelo, abachaphazeli kwimpembelelo yexesha elizayo elifunekayo lokurhoxiswa kwe-IRA kunye nendlela echaphazela ngayo irhafu yoKhuseleko loLuntu. I-Roth inokunceda ukunciphisa impembelelo yale nto. Xa ubangela yonke into, kwiimeko ezininzi iinguqulelo zeRoth zinganceda ngakumbi kunokuba i-calculators ye-intanethi ingakhokelela ukuba ukholwe.