Fumana ukuba i-MyIRA Plan evela ku-Obama yiNjongo efanelekileyo kuwe
Efana ne-401 (k) kunye ne-Akhawunti ye-Retirement Account (IRA), imoto yokulondolozwa kuka-Obama yayisungulwe "njengendlela entsha yokusebenza baseMelika ukuba baqalise ukugcina imali yabo yomhlalaphantsi."
I-MyRA yindlela efanelekileyo yokusebenza kwabasebenzi abangenayo enye indlela
Kwabasebenzi abangenalo isicwangciso somhlala-phantsi oxhaswe ngumqashi, njengama-401 (k), kunye nemali encinci okanye ulwazi ukuba baqale ii-akhawunti zabo zokutshala imali, inketho ye-MyRA ingaba yinto yokuqala.
Nazi ezinye zezinto eziphambili ze-MyRA:
- Abasebenzi banokuba nenxalenye yentlawulo yabo echithwe ukufaka kwi-akhawunti etyalomali kwiibhondi zikaRhulumente wase-US.
- Iinjongo zerhafu, ziya kuthathwa njengento efana neRoth IRA (ingeniso yerhafu ngaphandle kwentlawulo echithwa yerhafu).
- Ifumaneka kubantu abaneengeniso zonyaka zasemakhaya ukuya kwii-191,000 zamawaka abaqashi abakhethayo ukuba bathathe inxaxheba.
- Utyalo-mali oluqala lunokuba luphantsi nje nge-$ 25 kwaye uhlawule umrhumo ophantsi nge-$ 5.
- Izicwangciso zisekwe kwiSebe leNondyebo le-US.
- Ubungakanani bemali eyi-15,000 yeeRhafu, emva koko imali eya kufuneka ifakwe kwi-Roth IRA yabucala.
Ngubani onokuzuza kwi-Myra
Inzuzo engundoqo kwi-MyRA, ngaphandle kweyona njongo yokugcina umhlala-phantsi, ibonakala iyifumaneka. Uninzi lweemali zengxowa-mali zincinci zokugqibela ezingaphezulu kweedola ezi-1 000, ezingenakuthathekayo kumaMerika amaninzi. Kwakhona, utyalo-mali kwii- Bonds ze-US Treasury azinakuba yinto efanelekileyo yokutyalo-mali olude, kodwa ngokuqinisekileyo kulungele ukuqala kootyalo-mali kunokubashiya ngeengqungquthela zengozi yemarike ezibandakanya izitokethi, ezinokuyingozi kwintliziyo yokuqala, ukuze ncinane.
Enye inzuzo ye-Myra kukudluliswa. Njengazo ezinye izicwangciso zomhlala phantsi, i-MyRA ingafakwa kwenye i-akhawunti yomhlalaphantsi, ngokukodwa i-Roth IRA, ene-flexibility in terms of the choice of investment and the holder of Myra.
Nangona i-MyRA ingasayi kuba yindawo yokugcina imali yomhlala-phantsi kubo bonke abantu baseMerika, kunokukhethwa ngokuhlakanipha kubaqala-mali abatsha abangenayo indlela yokuqalisa ukugcina imali yabo yomhlalaphantsi.
Kwaba bantu baseMerika abanamava abanokufikelela kwi-401 (k) icebo ngokusebenzisa umqeshi wabo, i-MyRA ingasayi kuba yinto ekhethekileyo, ngakumbi ukuba umqeshi unika inkxaso ehambelanayo. Kulabo basindisayo abanolwazi lokutyalwa kwemali kunye nokugcinwa komhlalaphantsi, i-IRA yendabuko okanye i-Roth IRA inokukhetha okulungileyo.
Umgca wenyani kukuba i-Myra ingasetyenziselwa njengendawo yokuqala yabasindisi abangakhululekile ukusebenzisa i-Roth IRAs zemveli. Enye yezinyathelo ezinzima kakhulu kwinkqubo yokucwangcisa imali iqala ukuqala kwaye le plan entsha ye-MyRA ibonakala iyilungile: ukuqala.