Inzuzo kunye neNzuzo ye-IRA yeNdabuko
I-IRA yendabuko inokuba yinto efanelekileyo ukuba ufuna ukuhlawula imali engenayo engenayo.
Iminikelo ayihlawuli yerhafu, kodwa uya kuhlawula irhafu kwiirhafu zakho. Into ebangelekanga kukuba uza kuhlawula irhafu ngemali eninzi njengoko imali yakho iya kukhula emva kokuba utyalomali. Nangona kunjalo, unakho ukuhlawula kwisantya esezantsi kwentlawulo kuba uya kuzuza ngaphantsi xa usuhlala phantsi.
Iingenelelo kunye neziNzuzo zeRoth IRA
I-Roth IRA ikuvumela ukuba unikele ngemali, kodwa uhlawuliswa kuyo. Nangona kunjalo, awuyi kuhlawuliswa kwiirhafu. Olu khetho aluyinciphisi imali engenayo engenayo, kodwa ikuvumela ukuba ukhokhe irhafu kwixabiso elincinci lemali kuba uhlawula igalelo lakho kunokuba uhoxise. Oku kuyindlela enhle ukuba ufuna ukunciphisa inani olihlawula irhafu emva kokuba uthathe umhlalaphantsi.
Ukukhetha i-IRA eyona nto
Impendulo elula kukuba ukhangele ukuba ngubani oza kufuneka akhokhe irhafu. KwiRoth IRA, uza kuhlawula kuphela irhafu kwiminikelo yakho.
Xa ukhetha ukurhoxisa awuyi kuhlawulwa irhafu kwi-earnings. Nangona kunjalo ukuba uvula i-IRA yendabuko, kuya kufuneka uhlawule irhafu kwimali xa usenza ukurhoxiswa. Oku kuthetha ukuba uya kufuneka uhlawule irhafu kwimali oyifumanayo, eya kuba ngumlinganiselo omkhulu kuneminikelo yakho. Imingcele yegalelo ye-5500.00 ye-2016 ifanayo kwi-IRA nganye kwaye unokufikelela kuphela kuloo mali xa ugalela ngaphezulu ngaphezu kwe-IRA enye ngonyaka
Kufuneka uxoxe nomcebisi wakho we-akhawunti okanye umcebisi wezezimali ukuqinisekisa ukuba olu khetho luyilungile. Ukuba uvakalelwa ukuba udinga ukuncitshiswa kweerhafu, cinga ukukhangela ezinye iintlawulo okanye ezinye iindlela zokunciphisa imali engenayo. Kubalulekile ukuthatha umbono wexesha elide xa ubona i-IRA engcono ukuvula. IRA yeBhanki inikezela ukhuseleko ngenkxaso-mali ye-IRAs inikeza ithuba lokukhula okungakumbi. Imeko nganye yinto eyahlukileyo kwaye ukuba awuqinisekanga, kuya kunceda ukuthetha nomcebisi wakho wezezimali okanye umgcini-mali.
Ukuqwalaselwa Xa kulungiswa i-401 (k) Kwi-IRA
Ukuba uzama ukuqalisa i-401 (k) yakho kwi-IRA , unokukhetha ukuyigcina kwifayile efanayo. Ezinye iinkampani zinikela kuphela ngemveli 401 (k). Ukuba ubungayishintshela kwi-Roth IRA, kuya kufuneka uhlawule irhafu kwixabiso elipheleleyo olijikelezayo ngokukhawuleza. Ukuba unayo imali, ungakusindisa ezininzi kwiirhafu kwixesha elizayo, kodwa ukuba akunakukulula ukulufaka kwi-IRA yesintu. Xa ujikeleza i-401 (k) ngaphezulu, oko uqhubelayo akukali ngokumalunga nemida yakho yenkxaso.
Ukuvula i-IRA entsha
Xa uvula i-IRA yakho, kufuneka ukhethe inkampani yokutyalomali kwi-bhanki.
Iseshishini lokutyalo-mali siya kukuvumela ukuba utyalomali kwiimali ezixhasayo okanye kwiimpahla. Ezi zikhetho zinikeza ukwanda kokukhula kootyalo-mali lwakho, ngoko uza kufumana ukuba uvula i-IRA ngamaCD. Xa uneminyaka engama-20, unethuba lokukhwela emakethi, kwaye kufuneka utyalomise ngakumbi. Umcwangcisi wakho wezezimali unokukunceda ukuba ufumane iimali ezidibeneyo eziya kulungelelanisa i-akhawunti yakho ye-IRA. Njengoko ukhula, ungalungisa utyalo-mali lwakho ukuba lube nolondolozo olungakumbi. Kuze kube khathesi ke khumbula ukushiya imali yakho kwimarike njengoko iguqukayo. Ngokuqhelekileyo ibuyisela ixesha.