Qonda ukuba yiyiphi Imoto Yokugcina Imisebenzi Eyona Ngcono kwiSicwangciso sakho soMhlalaphantsi
Abantu badla ngokuzibuza ukuba luhlobo luni lwe-IRA elifanelekileyo. Bobabini i-Traditional and Roth IRAs zinenzuzo ebalulekileyo yerhafu, kodwa kwezinye iimeko unokuba ngcono kunezinye. Ekubeni asikwazi ukuqikelela ukuba yintoni iirhafu eziya kufana neminyaka engama-20 ukususela ngoku, ukuba unako ukufaka isandla kwiintlobo zombini ze-IRAs, loo nto ingaba yinto efanelekileyo. Ngokwahlukana kwamatyala akho yerhafu, unokulungelelaniswa nayiphi na inguqu eninzi kwiirhafu zerhafu ngelixa ufika kumhlalaphantsi.
Okokuqala, makhe sihlolisise ukuba uluphi uhlobo lwe-IRA luchaziweyo. I-IRA yeNdabuko ngumhlobo weAkhawunti yeRhafu yomhlala-phantsi apho unika inxaxheba kwi-dollar ngaphambi kwentela okanye emva kweerhafu . Kwakhona uvumela imali yakho ukuba ikhulise irhafu. Unokuqala ukwenza ukuhoxiswa ngemali kwi-akhawunti yakho ye-IRA emva kwe-59½. Xa uqala ukwenza ukuhoxiswa, uphathwa njengengeniso yangoku. I-Roth IRA yenye enye i-Akhawunti ye-Retirement Individual evumela ukuba ubeke eceleni iirhafu zerhafu emva kwexabiso elithile ngamnye ngonyaka. Unokuqala ukwenza ukurhoxiswa ngemali evela kwiRoth IRA yakho emva kweminyaka yobudala engama-59½, kwaye ukurhoxisa kwakho kuya kuqhubeka kungabikho irhafu.
Iimpawu zeMveli neRoth IRAs
IRA yeNdabuko
Inzuzo ye- IRA yeNdabuko kukuba iminikelo oyenzayo ingahlawulwa irhafu kunyaka owenza ngayo inxaxheba. Oku kuthetha ukuba wenza i-$ 5,5000 yegalelo kwi-IRA yobuNtu kulo nyaka (okanye i-$ 6500 xa uneminyaka engaphezulu kwama-50 okanye ngaphezulu), unokunciphisa iholo lakho elingu-5 500 (okanye i-$ 6,500).
Kwabanye abakwi-bracket ephezulu, oku kunokugcina imali.
Ekubeni igalelo zenziwa ngethuba langaphambi kweerhafu, oko kuthetha ukuba uza kuhlawuliswa kwikamva xa uhoxisa imali kwi-IRA. Le mali ihlawulwa irhafu njengemali engenayo. Ukuba ulindele ukuba ube kwibhakethi yerhafu ephantsi xa uthatha umhlalaphantsi, oku kuthetha ukuba ubona inzuzo enkulu yerhafu evela kwi-IRA yeNdabuko.
Gcina ukhumbule ukuba kufuneka uqale ukuthatha isabelo esincinci esifanelekileyo kwi-70½ yobudala.
Roth IRA
Unokucinga ngeRoth IRA njengento eyahlukileyo ye-IRA yeNdabuko ngokwemali yentlawulo. Nge-Roth IRA, iminikelo yakho yenziwe emva kokuhlawula irhafu, oku kuthetha ukuba akukho ntlawulo yerhafu yangoku xa usenza igalelo. Nangona kunjalo, uya kuxhamla kwelinye icala, kwaye izabelo ezifanelekileyo ezivela kwiRoth IRA zihlawulelwa irhafu. Oku kunceda abo bafuna ukuhlala kwi-bracket ephezulu xa behlala phantsi. Imida yokuxhaswa kwiRoth IRA iyafana neye-IRA yeNdabuko: i-$ 5,500, kwaye ukuba uneminyaka engama-50 okanye ngaphezulu, i-$ 6,500.
Ukongezelela, i-Roth IRAs ayifuni ukuba uthathe ukwabiwa okufunekayo ekufikeleleni kwi-70½ yobudala. Oku kungabaluleke ngokubalulekayo njengoko abantu bephila kwaye besebenza ixesha elide. Kwakhona khumbula ukuba kukho ukunciphisa umvuzo onokuthintela abantu abangenayo imali ukuba bathathe inxaxheba kwiRoth. Le miqathango yengeniso ichongwe ukuba iphakanyiswe ngonyaka ka-2010.
Zibuze le mibuzo
Njengoko ulinganisa i-pros ne-cons ye-Traditional and Roth IRA, nantsi eminye imibuzo enokuzibuza okanye uxoxe nomcebisi wakho wezemali.
- Ngaba ulindele ukuba umvuzo wakho ukwandise okanye uhlawule umhlalaphantsi?
- Ngaba ulindele ukuba izinga lakho lokurhafu libe phezulu okanye liphantsi xa uthatha umhlalaphantsi?
- Yintoni i-bracket yakho yerhafu?
- Ingeniso engakanani oyifunayo rhoqo ngenyanga emva kokuba uthatha umhlalaphantsi?
Okukwintsusa
Ukwenza isigqibo phakathi kweNdabuko kunye neRoth IRA kunokuba nzima ukuba ufanelekile zombini. Uyakufuna ukulinganisela ubungqina kunye neengxaki zokuhlawulwa intela ngoku ngokumalunga nokuhlawulwa kwentlawulo kamva. Ungenza kwakhona ingqalelo kwizinto eziza kusebenza kakuhle kuwe ngokusekelwe kwimingeni yemali engenayo, umda weminikelo, izibonelelo zentela, imithetho yokuhoxiswa, kunye neerhafu zerhafu ezizayo.
Ukuba udidekile okanye ungaqinisekanga ukuba ungaqhubeka njani, lihlala lilungelo lokuthetha nomcwangcisi wezemali ofanelekileyo okanye u tyelele iwebhusayithi ye-IRS ngolwazi olungakumbi.