Fumana Ukuba Kunokwenzeka Ukuvula i-IRA yoMntwana Wakho
Ndiqhubeka ndiva ukuba ekuqaleni uqala ukutshala imali ngokuthatha umhlalaphantsi, ngokukhawuleza imali yakho inokukhula. Ngaba ndinokubeka unyana wam okanye intombi kwindlela yokuthatha umhlalaphantsi kwangaphambili ngokubanika i-IRA okanye iRoth IRA?
Impendulo:
Impendulo nguyewe, kodwa kuphela xa umntwana wakho efumana inzuzo. Nabani na ongenayo imali engaphantsi kwe-70 1/2 angenza iminikelo kwi-akhawunti yomhlala phantsi.
Kodwa ekubeni ufanele ubenzele ukuba bafake igalelo leminye yemivuzo yabo, inxalenye engathintekiyo iya kubaqinisekisa ukuba basuse imali yanamhlanje kwiminyaka yabo yegolide. Ngenye indlela, unokukhetha ukwenza igalelo kwiakhawunti yengane yakho ngokusekelwe kwimali eyayifumana.
Ukuba unako ukukholisa umntwana wakho ukuba enze igalelo kwi- IRA okanye, nokuba bhetele, iRoth IRA , unokulinganisa loo mnikelo ukuya kwigalelo eliphezulu kunyaka. Umda ophezulu wee-akhawunti zombini kwi-$ 5,500 ngonyaka werhafu ka-2017. Gcina ukhumbule ukuba ude ufike ngomhla we-Apreli 17, 2018 wokufakela irhafu umhla wokugqibela wokwenza igalelo le-IRA ngo-2017.
Kutheni iRoth IRA ingcono?
Kubafundi ngokukodwa, iRoth ingumxholo omkhulu kuba uhlawula irhafu yanamhla kwi-investment growth. Imirhumo yeRoth IRA yenziwe emva kwentela, kwaye awuhlawuli irhafu kwintlawulo evela eRoth emhlala phantsi. Umntwana wakho akasayi kubakho kwizinga eliphantsi lentela kunamhlanje, ngoko lixesha elihle lokwenza ubuninzi beenzuzo zeRoth.
Ngaphezulu, iminikelo eya kwiRoth (kodwa ingenakufumana imali kuloo mivuzo) inokurhoxiswa irhafu kunye nehlawulo-mali phambi kokuthatha umhlalaphantsi. Ngoko umntwana wakho unako ukufikelela kwezinye zokugcina kwakhe. (Ukuqonda ulawulo lwe- Roth IRA iminyaka emihlanu .)
Kutheni uvula i-IRA kumntwana wakho?
IRAs zezingane akuyona ingqiqo eqondwa kakhulu, kodwa ingaba isicwangciso esihle sokukhuthaza utyalo-mali kwi-akhawunti eneentlawulo ezincinane.
Iminikelo ingongeza ngokukhawuleza. Iziphumo ezinokuthi zikhuphuke ngokukhawuleza ekuqaleni uqala njengomtyalo-mali kwi-akhawunti ekhishwe irhafu. (Qaphela indlela ukuhlanganiswa kwenza ukubahluko omkhulu kwi-athikili ye- Ayi, Awuyena mncinci kwi-IRA .)
Ukuba ufuna ukufundisa umntwana wakho ngeemarike zezemali, ukubenza ukuba batyalise imali yabo yindlela efanelekileyo yokuqala. Ngokomzekelo, ungabonisa indlela imali yakho inokukuthengisela ngayo amasheya ambalwa kwisitokethi esisodwa okanye kukunikezela ukufikelela kuyo yonke imarike kunye ne- fund fund okanye i- fund exchange . Iinkampani ezinjenge- Fidelity , Vanguard kunye ne- T. Rowe Price zingakunceda ukuba uqalise ngeakhawunti ezinemivuzo yonyaka ephantsi kunye ne-minimum minimums ukuqala ukutshala imali. KwiT. Rowe Intengo ungaqala i-IRA nge-$ 1,000 kuphela, xa kuthelekiswa ne-$ 2,500 kwi-Fidelity kunye ne-$ 3,000 kwiVanguard. Xa uthembekile, ungangena kwi-Roth IRA okanye i-IRA ukuba ubhalisele ukwenza iminikelo rhoqo ye $ 200 ngenyanga. Okunye
Ngaphezu koko, nge-IRA yokuqala okanye i-Roth IRA obeka abantwana bakho kunye nobomi bemali abanokuyakhela kwaye bafunde kwiminyaka embalwa ngaphambili kunontanga yabo. Amava okuqala anjalo anokubaluleka ekuncedeni umntwana wakho enze izigqibo zobulumko ezifanelekileyo.
IRAs kunye neKholeji
Zonke i-IRA kunye ne-Roth IRA zinokurhoxiswa irhafu kunye netyala lokuhlawula imfundo.
Nangona kunjalo, kukho ukuphazamiseka kokusebenzisa i-akhawunti yomhlalaphantsi ukugcina iikholeji. IRA okanye iRoth IRA egameni lomntwana inokuchaphazela amathuba akhe okuncedisa ngemali. Iimpahla zezingane kwi-akhawunti yomhlala-phantsi ziqwalaselwa xa ziqikelela iimfuno, ngelixa ezo zinto ezifanayo zingayi kuqwalaselwa ukuba zigcinwe kwenye yeakhawunti yabazali. Kodwa abazali kufuneka basebenzise i-IRAs okanye i-Roth IRAs ukuba igcine umhlalaphantsi, kungekhona kwiikholeji .
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.
Ukuhlaziywa nguScott Spann