Ladies, faka ikhethi yakho yemali, kwaye ukhangele iRoth IRA.
UCraig uthe le ngcamango ivela ekubukeni i-movie ethi "Gentlemen Prefer Blondes" equkethe uMarilyn Monroe apho ehlabelela ingoma yecawa.
Wayekhathazekile ukuba abaninzi abathengi bakhe babengazange baxhaswe ngemali kwiRoth IRAs, okanye ngakumbi, abazange bazive nangabo.
Njengomfazi oceba ukucwangcisa ngemali, xa ndiqala ukuva isicatshulwa se-Craig, ndachengile. Ndinecebo lokuxhaswa ngeRoth iminyaka, kwaye ndikhuthaze ngokukhawuleza abathengi ukuba baxhaswe xa bekulungele ukwenza njalo. Nazi izizathu eziphezulu ezintathu ze-Craig kwaye mna ndicinga ukuba iRoth IRAs ngumhlobo omhle wesibini.
1. Ukufikelela
Abasetyhini abaninzi abagcini i-akhawunti yokulondoloza amanzi kwigama labo. Ngokuqhelekileyo i-akhawunti kuphela eyayiyo i-akhawunti edibeneyo yi-401 (k) okanye enye iplani yomhlalaphantsi yomsebenzi. Kodwa ezo zicwangciso zokuthatha umhlala-phantsi azifumanekanga kakhulu. Imirhumo, izigwebo okanye iimali ezibolekileyo zemboleko kunye nemaphepha (ukuba imali leyo ihlawulwayo) gcina le mali ikhuselekile kwiminyaka yomhlalaphantsi, kodwa ayifumaneki ngokulula ukusetyenziswa namhlanje. Oko akuyona into embi. Ezi ngxelo kufuneka zihlale zisetyenziselwa umhlalaphantsi.
Kodwa usadinga imali efikeleleke kuyo "ubomi bwenzeka" uhlobo lwezenzakalo onokukwazi ukuzicwangcisa.
Yilapho i-Roth IRA ingena khona. Nabani na omnye (oquka abafazi abangatshatanga, abatshatileyo, abaqhawule umtshato kunye nomhlolokazi) banokurhoxisa imali yabo yeRoth IRA (kodwa kungekhona inxalenye yentlawulo yokufumana imali) nangaliphi na ixesha nangasiphi na isizathu ngaphandle kwesohlwayo.
Ewe, iiRoth IRAs zenzelwe umhlalaphantsi, kodwa ngenxa yokuba unako ukurhoxisa iminikelo, iRoth yakho inokwenza umsebenzi ophindwe kabini njengengxowa-mali yakho . Yaye imali ayibanjwanga ngokubambisana. Kulo gama lakho ukwenza ntoni njengoko ufuna.
Gcina ukhumbule ukuba kukho ukukhula kwi-akhawunti ofuna ukuyishiya loo nto ude ude u-59 ½ ubudala. Uya kuhlawula irhafu yengeniso rhoqo kunye ne-10% isohlwayo sokuthatha inxalenye yokukhula kwangaphambili. Ezi ntlawulo azisebenzisi kuhoxiso lweeminikelo, kwaye ngenxa yemigaqo yokurhoxiswa kweRoth , iminikelo isoloko ithathwa njengeyihoxisiwe kuqala.
Kubazali, enye inzuzo kuRoth; Imali ebanjwe kwi-Roth IRA ayixhomekeke kwingxelo kwi-FAFSA (isicelo samahhala se-Federal Aid Aid) kwisicwangciso sekholeji. Nangona kunjalo, igalelo lakho linokurhoxiswa kamva (ngokuqhelekileyo kwiminyaka ephakamileyo yekholejini) ukuhlawula iikholeji zekholeji, igumbi kunye nebhodi, njl. Ngaphandle kokubalwa njengempahla echazwayo kwifom yeF FAFSA. Kwaye, ukuba ulinde de ukuba umntwana wakho (okanye umzukulu) aphume kwikholeji, imali iyakhutshwa ukuze ihlawule imali yokubolekisa abafundi abaye bayithatha.
2. Ukuzinza
Ngokungafani ne-IRA yeNdabuko, xa uhoxisa kwi-Roth IRA ngokuthatha umhlalaphantsi ukurhoxiswa kwakho kweerhafu, kuthetha ukuba uhlala ugcina yonke idola uyayihoxisa - nokuba neenzuzo (xa nje bebekho iminyaka emihlanu okanye ude ufike uneminyaka engama-59 ½, nokuba yeyiphi na ixesha elide).
Ukuthengwa okuninzi, njengemoto entsha okanye kanye ngexesha eliphumayo, kunokufuna iimali ezingaphezulu ngonyaka omnye kunomnye. I-Roth yimihlobo epheleleyo ye-akhawunti yokusetyenziswa ukuhlawula ezi zinto ezikhutshwayo njengoko ukurhoxiswa angeke kwandise into onetyala.
Kungenxa yokuba ngokungafani nokurhoxiswa kwee-IRAs zerhafu kunye ne-401 (k), i-Roth IRAs ayiyi kubeka phantsi iNkcazo yoLuntu kwiNtlawulo. Phantse zonke iintlobo zemali engenayo-ipensenti, i-stock dividends, inzala-mboleko inkululeko, inzala ye-CD, inzuzo kwi-annuity-zonke zifaka isandla kwifom yentlawulo yoKhuselo loLuntu , kodwa iRoth IRA ihoxiswa. Le ngenzuzo yerhafu yeRoth ingaba negalelo elikhulu kubasetyhini, abanokuhlala ixesha elide kwaye bagqiba ukufakela irhafu njengefayile enye yentlawulo kamva ebudeni.
Ukufumana imali engaphezulu kwi-Roth, abafazi abancinci kakhulu kunabo bafana (iminyaka engaphezu kwemi-5, kwaye ngokuqinisekileyo iminyaka eyi-10 okanye ngaphezulu) kufuneka baqikelele ukusebenzisa into ebizwa ngokuba ngu- Roth IRA ukuguqulwa apho ukhokhela irhafu kwi-akhawunti ye-IRA yeMveli kwaye uguqule ukuya kwi-akhawunti yaseRoth.
Esi sicwangciso sisoloko sisetyenziswe kakuhle kwiminyaka phambi komlingane othabatha ukhuseleko lweNtlalo. Ukusebenzisa ukuguqulwa kweRoth kukuvumela ukuba ukhokhe irhafu ngaphambili kwaye unokunciphisa okanye ukuphelisa irhafu ezayo kwikomkhulu engeniso kubafelokazi ... Ukhuseleko lweNtlalo.
UCraig, oyilungu leqela labafundi be-Ed Slott ye-Elite IRA, isoloko isebenzisa enye yeengcaphuno zika-Ed ukugxininisa ukubaluleka kokuguqulwa kweRoth, "I-IRA yi-IOU ye-IRS." U-Ed ubhekisela kwi-IRA yeNdabuko. Ububanzi bexesha eliphakathi kweendawo zomtshato, ngakumbi iRoth IRA iintlawulo zerhafu zinokuphucula imeko yakho yomhlalaphantsi.
Umcebisi wezezimali ochaphazelekayo ngokubambisana nomcebisi werhafu ofanelekileyo kufuneka akwazi ukukunceda ukuba le nkqubo yokuguqulwa kweRoth iyatholakala kwaye iyasebenza kwimeko yakho.
3. Ubude obude
Abasetyhini baphila ixesha elide kunamadoda. Siyazi ukuba - kodwa ngaba ucinga malunga nendlela echaphazela ngayo irhafu yakho kwiminyaka kamva?
Ukuhlala ixesha elide kuthetha ukuba kungekudala ungeze imali kwi-Roth IRA, ixesha elide limele likhule. Yaye ukhumbule ukuba kukhula kwerhafu ixesha elipheleleyo. Ekubeni akukho zerhafu ezizayo ezixhomekeke kuloo mali, iRoth IRA iba "ngcingo" yezemali kwiirhafu ezizayo ezizayo.
I-Roth IRAs zibaluleke ngakumbi kubasetyhini xa ubangela ukuba kubekho umrhumo ofunekayo. Xa nabani na abaphendukela kuma-70 ½ kufuneka bathathe umrhumo wokugunyazwa kwii-IRAs zeNdabuko kunye ne-401 (k) akhawunti . Le mali ayihlawulwanga kuphela, kodwa ukunikezelwa kwemimiselo kunokuqalisa ukufumana uncedo olongezelelweyo lweeNtlalo zeNtlawulo.
Imali kwi-Roth IRA ayikho phantsi kwe-70 ½ yobudala idinga ukuhanjiswa okuncinci njengama-Roth IRAs kunye no-401 (k). Ngoko ukuba awuyidingi imali, akudingeki ukuba uphume kwi-akhawunti kwaye unokuhlala ukhula ngaphandle kwentela.
Imali kwi-Roth IRA eshiye iqabane kumlingane naye ayifuni ukunikezelwa ngokusemthethweni. Nangona kunjalo xa umntwana ezuza iRoth baya kufunwa ukuba baqale ukuthatha isabelo-nangona zonke izibonelelo zingenaso irhafu kubo. Abazali bajonge ukushiya isipho esilungileyo kubantwana okanye kubazukulu banokushiya le ntlawulo kumntu oyindlalifa omncinci kunye nomntu ongeyena umlingane onokufumana "unwebise" ukusabalalisa ngexesha lokuphila kwabo, abanike umhlala-wonke wokufumana irhafu engenayo irhafu.
Kwaye abo benza isicwangciso sabo sempahla, ukuba ufuna ukushiya imali kubantwana bakho nakwintando, soloko ucinga ukushiya imali engeyona i-Roth kwintando, njengoko iimfuno ezingabhatali irhafu xa zifumene ezi ntlobo ze-akhawunti nakuba bakho abantwana uya ku. Phantse onke amaxesha, ufuna ukushiya imali yeRoth IRA kumntu ongekho isikhungo. Ukubonisana nomcebisi oqeqeshiweyo uhlala ecetyiswa xa wenza le ndlela yokucwangcisa.
Ukufumana Imali kwiRoth IRA
I-Roth IRAs inemithetho malunga nokuba unako ukuthatha igalelo kwaye ngubani ofanelekileyo. Umzekelo, ukufumana imali kwi-Roth IRA kufuneka ufumane imali. Kubafazi abangasebenzi ngaphandle kwekhaya kodwa abayeni babo basebenze, into ebizwa ngokuba yi- Spousal IRA isaqhubeka ivumela iminikelo yokwenziwa egameni lomlingani ongasebenziyo. Abaninzi abathandanayo abayayiqondi le khetho.
Kubafazi abafumana imali ephezulu, ukuba unokwenza uninzi ungeke ube negalelo kwiRoth, kodwa kukho into ebizwa ngokuthi "umnyango wempango" apho uhlawula i-IRA engekho-deductible kwaye uguqulele kwiRoth . Le nto ingaba yindlela yokufumana imali kwiRoth nangona ucinga ukuba awukwazi ukufaka isandla. Imithetho ethile yerhafu ekhethekileyo iyasebenza ngoko nceda funani umcebisi wezezimali kunye / okanye umcebisi werhafu ukuxubusha zakho iinketho.
Kufuneka ujonge kwakhona nomqeshi wakho ukuba abone ukuba bavumela iRoth ngemali kwi-401 (k), ebizwa ngokuba yi- Rated 401 (k) ye-akhawunti . Ukuba azinjalo, bacele ukuba bahlaziye isicwangciso sabo sokuvumela oku.
Kungakhathaliseki ukuba ufuna ukwenzani, weqa idayimani, kwaye uqale iRoth IRA.