Indlela yokwenza iRoth ne-Pre-Tax 401 (k) isigqibo
Inombolo yabaqeshi banikela inketho yeRoth kwisicwangciso sabo sokuthatha umhlala-phantsi uye wanda kakhulu kwiminyaka yamuva.
Inketho ye-Roth ikuvumela ukuba unikele ngemali kwisicwangciso somhlala-phantsi emva kwesibonelelo sentela. Njengeminikelo kwi-Roth IRA, iminikelo kwiRoth 401 (k) ayinako ukuhlawula irhafu. Kunokuba uzuze kwingxowa yerhafu yangaphambili ngokusebenzisa umrhumo wendwendwe wangaphambili, ikhefu lokuhlawula irhafu liza kamva xa uqala ukuthatha ukusasazwa kwisicwangciso. Ii-akhawunti ze-Roth zikuvumela ukuba uhoxise ukukhula kwe-earnings kwi-akhawunti yakho engenakho irhafu ngaphandle kokuba i-akhawunti ivule ubuncinane iminyaka emi-5 kwaye uneminyaka engama-59 1/2.
Ngaphandle kohlobo olukhulu lwentela emva kwentela, uRoth 401 (k) umsebenzi omningi ufana no-401 rhoqo (k). Ukufana okufanayo kukuba kokubili ukuhlawula irhafu kunye neRoth 401 (k) iminikelo ifanelekile kumdlalo wenkampani. Kungakhathaliseki ukuba awufumani okanye ungayifumana inxaxheba ehambelana neenkampani yakho imiselwe ngumqeshi wakho. Ukuba ufumana enye, yenziwa ngaphambi kwentela kwaye ibanjwe ngokwahlukileyo kwiRoth 401 (k) yakho. Ukuba unquma ukushiya umqeshi wakho, unakho ukukhetha ukugcina i-Roth 401 (k) apho okanye ukuyihambisa kwisicwangciso sakho somqeshi omtsha ukuba iRoth 401 (k) inikwe apho.
Enye inketho ukuyihambisa kwi-rollover i-Roth IRA, apho uya kuthotyelwa khona.
Nazi ezinye zezinto ezibalulekileyo ekufuneka uziqwalasele xa uqikelela ukuba iRoth 401 (k) inengqiqo kuwe:
Ngaba unokufaka isandla kwiRoth 401 (k)?
Ukuze uthabathe inxaxheba, kufuneka uqale uqinisekise ukuba iRoth 401 (k) inikezwa ngumqeshi wakho.
Ukuba ngaba kwaye unelungelo lokuthatha inxaxheba, unokufaka isandla ngaphandle kweholo. I-Roth 401 (k) ayixhomekeke kwimithintelo yengeniso. I-Roth IRA ngakwelinye icala inomlinganiselo wokufumana umvuzo onokumisela ukuba unako ukufaka isandla.
Unokufaka uninzi kangakanani?
Umyinge we-IRS womsebenzi wendabuko kunye neRoth 401 (k) iminikelo i $ 18,500 (i-24,500 zamaRandi xa uneminyaka engaphezu kwama-50 kulo nyaka) ngo-2018.
I-pre-tax tax vs. Roth 401 (k) isigqibo akumele sibe yinto-okanye imeko. Unokufaka isandla kuzo zombini iintlobo zee-akhawunti (ukuba zinikezelwa ngumqeshi wakho). Kunokwenzeka ukuba wenze iminikelo kokubili kwentlawulo engaphambi kokuhlawula kunye neRoth 401 (k) nje kuphela ukuba inkxaso yakho ehlangeneyo ayidluli umda wonyaka.
Ngaba ukulindele ukuba ube kwibhakethi yerhafu ephezulu ngexesha lakho lomhlalaphantsi?
Umehluko omkhulu phakathi kokuhlawula irhafu kunye neRoth 401 (k) nokuba ngaba uhlawula irhafu ngoku kunjalo kwimeko yeRoth okanye ngexesha lokurhoxisa imali (ngaphambi kwentela 401k). Ukukhetha i-Roth 401 (k) inketho inokuba luncedo kakhulu xa unenkxalabo malunga nokuba ungaphezulu kwerhafu ngexesha lakho lomhlalaphantsi.
Ukuhlawulwa kweerhafu ngaphambili kunenzuzo xa unesithuba esizayo kwixesha elizayo lokufumana imali. Ngokuqhelekileyo, ixesha elide lakho lokutyalomali lide lininzi lokugcina imali yakho yerhafu.
I-Roth 401 (k) ingaba luncedo kakhulu kumntu osekuqaleni kwamanqanaba emisebenzi kwaye ulindele ukuba ingeniso yabo ikhuphuke kakhulu kwixesha labo lobomi. I-Roth 401 (k) ingaba nembono enhle ukuba unenkxalabo yokuba nangona umvuzo wakho ungakwenyuka kumhlalaphantsi, iirhafu zerhafu zinokwenzeka. Enyanisweni, uMthetho wama-Cuts and Jobs Act ka-2017 osandul 'ukutshabalalisa unciphisa iibhanki zerhafu ezingenayo imali engeninzi kubantu abaninzi abashiya abanye ukuba bakholwe ukuba baya kuba phezulu kwiminyaka ezayo.
Ngakolunye uhlangothi, uya kuba ngcono xa unamathela kwi-tax pre-tax (40) (k) ukuba ukholelwa ukuba inqanaba lakho lentlawulo yengeniso liza kuba liphantsi xa ufuna imali ngexesha lomhlalaphantsi. Kungenxa yokuba iminikelo eyenziweyo kunye neengeniso zangaphambili zerhafu inikezela ukutsalwa komnyaka wonyaka werhafu ngenani elibanjwe. Uninzi lwabathathe umhlala-phantsi luphelile ekufumaneni ukuba banomyinge ophantsi wokutshintshwa kwengeniso ngeminyaka yabo yomhlalaphantsi.
Enyanisweni, isikhokelo esiqhelekileyo sifanele sithathe indawo engama-80 ekhulwini yengeniso yakho ukuze uhlale uphila ngokukhululekile ngexesha lomhlalaphantsi. Le mivuzo engaphantsi kwemali kunye nenyaniso yokuba ezinye iimithombo zengeniso ezifana noKhuseleko loLuntu zihlawulwa ngokukhawuleza zinikeza ingxabano eyongezelelweyo egameni le-pre-tax 401 (k).
Ngokwemigaqo elula, nanku umahluko omkhulu phakathi kwendalo kunye neRoth 401 (k):
I-pre-tax "401 (k) okukhethwa kukho kukunika ikhefu lokuhlawula namhlanje kwaye ufuna ukuba uhlawule irhafu yengeniso xa uthatha isabelo (irhafu kamva).
I-Roth 401 (k) iminikelo yenziwa ngeedola zerhafu emva koko kukunika ithuba lokusabalalisa irhafu (irhafu ngoku).
Ngaba uceba ukusebenzisa isahlulo sokulondoloza umhlala-phantsi ukulungiselela ukuthengiswa kobutyebi?
I-Roth 401 (k) iingxelo zenza ingqiqo njengotshintsho lwezithuthi. Isicwangciso sokucwangcisa ipropati yendawo yokusebenzisa iRoth 401 (k) iakhawunti ekudluliseni ifa lokuthatha umhlala-phantsi kwiindlalifa ngaphandle kwesibonelelo-ntlawulo. I-Roth 401 (i-k) ayifumanwanga neentlawulo zerhafu kuba igalelo sele isetyenzisiwe. Baxhomekeke kwimigaqo emiselweyo yokusabalalisa. Ngexesha lokuphila kwakho unokwenza i-rollover i-Roth 401 (k) kwi-Roth IRA ukuphepha ukunikezelwa okuncinci. Esi sicwangciso sinokukunceda ukugcina iindlalifa zeendlalifa kunye nokuvumela ukukhula okungahlawulwanga irhafu.
Isigqibo seNqumo
Into ebaluleke kakhulu xa ugqiba ukuba i-Roth 401 (k) inengqiqo ngokuqhelekileyo ihla kwizinga lokuhlawula irhafu. Kodwa ezinye iimpawu kufuneka ziqwalaselwe xa wenza isigqibo sakho. Ubudala bakho, isimo sangoku serhafu kunye nexesha elizayo, kunye nokusabalaliswa kweerhafu jikelele phakathi kwee-akhawunti zangaphambili zerhafu (401 (k), i-IRAs, ii-HSAs), ii-akhawunti zeRoth kunye ne-akhawunti ehlawulwayo.