Ngaba Kukulungele ukusebenzisa i-Roth IRA ukuhlawula iindleko zekholeji?

I-Pros ne-Cons Cons of Using i-Roth IRAs yeCwangciso leeKholeji

Ngaba kufuneka iRoth IRA isetyenziswe ekuncedeni ukuhlawula iindleko zekholeji? Lo ngumbuzo oqwalaselwe ngabazali abaninzi kunye nootatomkhulu njengoko ixabiso lentengo lemfundo ephakamileyo liyaqhubeka nokuphakama.

I- Roth IRA yindlela efanelekileyo yokugcina umhlala-phantsi kwi-akhawunti enika iingenelo ezininzi zerhafu. Oku kubangelwa ukuba iRoth IRAs ihoxisa inkululeko yokufumana imali. I-Roth IRAs ingasetyenziselwa iinjongo ezingekho phantsi komhlala-phantsi usebenzisa isicwangciso socwangciso lwezemali ukulungiselela ukuhlawula ezinye iinjongo ezibalulekileyo ezifana nenkxaso-mali yekholeji kumntu othandekayo.

Isigqibo sokufaka isandla kwi-Roth IRA iqhutyelwa ngaphezulu nje kokukhula kweerhafu. Enye inzuzo eyongeziweyo ye-Roth IRA yinto eguquguqukayo xa kunikezelwa iakhawunti yomhlala-phantsi xa kuziwa ekufikeleleni kwiminikelo yakho yangaphambili. Ukukhula okungahlawulwa kwemali yentlawulo kusebenza kuphela ukuba i-akhawunti yakho ivuliwe ubuncinane iminyaka emi-5 kwaye ukuhanjiswa kwenzeka emva kweminyaka yobudala 59 1/2. Nangona kunjalo, iminikelo yeRoth IRA yenziwa ngeedola zerhafu emva kokuba zithathwe ngaphandle naliphi na irhafu okanye isohlwayo. Oku kudala ithuba lokusebenzisa iRoth IRA njengomthombo wenkxaso-mali yekholeji okanye nayiphi na enye injongo yezemali engahambelani nomhlalaphantsi.

UCwangciso lwezeMali oluPhambili lubangela ukuba wenze ngaphambi kokugcina iKholeji

Ngaphambi kokuba sihlolisise ukuba okanye akunangqiqo ukusebenzisa i-Roth IRA ukuhlawula iikholeji kufuneka kuqatshelwe ukuba abaninzi abacwangcisi bezemali bayavuma ukuba kufuneka ube nesiseko esisemgangathweni semali phambi kokuqwalasela ukuthatha inxaxheba kuyo nayiphi na isicwangciso sokugcina kwiikholeji.

Izikhokelo eziqhelekileyo kukuba isiseko esiyisiseko kufuneka sibandakanye amanyathelo alandelayo:

1. Ukuseka ezinye iimali zokujongana neendleko zongxamiseko (cinga "ukugcina" ukugcina imali;
2. Ukubonelela ngokwaneleyo kwisicwangciso somhlala-phantsi emsebenzini ukuze ubambe iqela lomqeshi elipheleleyo ukuba likhona.
3. Ukunciphisa naziphi na izikweletu ezinomdla-mboleko ezinjengamakhadi-mboleko okanye iimali-mboleko zemali (umz. Mkhulu kune-6%).

1. Ukuxhaswa ngokupheleleyo nge-akhawunti yakho yokugcina imali ngokukhawuleza kunye nemali eyaneleyo yokukhupha iinyanga ezi-3-6 zeendleko zokuphila.
2. Gcina ngokubanzi njengoko unako kwi- 401 (k) okanye 403 (b) isicwangciso, i- IRAs kunye ne- akhawunti yokulondoloza impilo (kwindawo ethile kwi-10-20% yentlawulo okanye ngaphezulu ikulungele) ukuhlangabezana neenjongo zokuthatha umhlalaphantsi.
3. Khusela intsapho yakho kunye nobutyebi bakho ngokugcina impilo, impilo, ukhubazekileyo kunye ne-inshorensi yemfanelo.
4. Yakha uphinde ugcine amaxwebhu okucwangcisa iindawo eziphambili ezifana nokuthanda, ukuthanda, kunye namagqwetha ekhoyo ngoku kwaye afike ngoku.

Ukufumana iinkcukacha ezingakumbi malunga nokubeka phambili iinjongo zakho zezemali, jonga olu luncedo oluncedo (jonga indlela yokujonga izinto eziphambili zezimali).

UkuCwangciswa koMhlala-phantsi kuqhelekileyo kuPhambili kuPhambili kuneCandelo leeKholeji

Ngaphambi kokubeka eceleni nayiphi na imali kwiikholeji, kufuneka uqale uqaphele ukuba ubone indlela efanelekileyo yokuhlangabezana neenjongo zokufumana umhlalaphantsi. Iingxelo ezininzi zophando zezimali zifumene ukuba uninzi lwabazali abanalo ithemba lokuba bafikelela kwiinjongo zabo zokuthatha umhlalaphantsi (jonga.) Isizathu sokuba ukulondolozwa kwikholejini kuthatha ixesha elide lokugcina umhlalaphantsi. Imali yekholejini akusibulumko ukuthembela kwi-matyala ukuxhaswa ngamaphupha akho omhlala phantsi.

Ngoko ngolawulo oluqhelekileyo, iinjongo zokuthatha umhlalaphantsi kufuneka zilandele phambili kwiikholeji ekujoliswe kuyo.

Ukubeka umhlala phantsi phambi kwekholeji kwiprogram ephambili kwikhoko akusoloko ihlobo lwabazali okanye ootatomkhulu abazali abafuna ukuva. Oku kudla ngokuba kubazali abaninzi banamalungelo okubonelela abantwana ukuba bafumane amava amahle kunye namathuba akwaziyo. Kukho imiphumo embi kakhulu xa ubeka imali kwiikholeji phambi komhlala phantsi kwiprogram ebalulekileyo. Ezinye zeziphumo ezimbi zibandakanya ukulibaziseka umhlalaphantsi (okanye kungabi nemali eyaneleyo yokuthatha umhlalaphantsi ngokwemigomo yakho), ukuthengisa impahla okanye utshintsho lwepropathi ngaphaya kokufunayo, kwaye umphumo omkhulu kunokuba ungadingi uxinzelelo lwezezimali kunye nokukhungatheka.

Iindaba ezilungileyo kukuba iRoth IRAs inikezela abazali ithuba lokuba bazive benokwenza inkqubela phambili yokuthatha umhlala-phantsi kwi-akhawunti engasetyenziswa ekuncedeni ukuhlawula ikholeji.

Indlela Yokulondoloza Ngomhlalaphantsi kunye neKholeji kunye neRoth IRA

Abantu bathanda ingqiqo "yerhafu-ntle" kwaye ngenxa yoko, iiRoth IRAs ziya ngokuya ziba enye yezithuthi ezithandwayo zokugcina umhlalaphantsi. Ukuxhaswa kwiRoth IRA kunokukunceda uxolo lwengqondo ukuba ubuncinci wenze into yokugcina iindleko zekholeji ezizayo xa kukho ezinye izinto eziphambili ezibalulekileyo zezimali. Olu khetho lungcono kubazali abasemva kwiinjongo zabo zokulondoloza umhlala-phantsi kodwa sele benaso isiseko semali esisiseko kwindawo (oko kukuthi i-fund yexakeka-mali, ityala elincinci, kwaye ubuncinane lincedise u-401 (k) umdlalo emsebenzini. Ukusebenzisa i-Roth IRA ekuncediseni ukugcinwa kwekholeji kuyagxininiswa kubazali okanye nootatomkhulu bafuna ukuguquguquka kwindlela imali engasetyenzisiswa ngayo nezinye iindlela ezinokuthi zenze iikholeji ezingama-529.

Iinkonzo:

Nazi ezinye zeenzuzo zokusebenzisa i-Roth IRA njengenxalenye yesicwangciso sakho sokulondoloza ikholeji:

I-Roth IRAs ivumela ukulungelelanisa ukuthatha irhafu yenkxaso yangaphambili kunye nehlawulo samahhala. Ingeniso yakho kwi-Roth IRA ikhula kuphela ngaphandle kweerhafu ukuba i-akhawunti yakho ivuliwe ubuncinane ubuncinane iminyaka emi-5 kwaye ukuhanjiswa kwenzeka emva kweminyaka yobudala 59 1/2. Nangona kunjalo, ekubeni igalelo lakho sele lenziwe ngeedola zerhafu emva kokuba zikhutshwe naliphi na ixesha ngaphandle kwentlawulo okanye isohlwayo. Ukurhoxiswa kwiRoth IRA kuthathwa njengokuba kuvela kwiminikelo yokuqala. Oku kuthetha ukuba unako ukurhoxisa isamba seminikelo yakho ngasiphi na ixesha ngaphandle kweerhafu okanye isohlwayo.

Imali ikhula ihlawulwe irhafu kwaye ingahlawulwa irhafu. I-Roth IRAs ikuvumela ukuba ube negalelo emva kweerhafu zerhafu ezingakhula ukuba zingabi nerhafu, nje kuphela xa udibana neminyaka engama-59 ½ yokulawula kwaye ube ne-akhawunti ubuncinane iminyaka emi-5. Ukuba uneenjongo ezininzi ezifana nokuhlawula iikholeji nokugcina umhlalaphantsi, unokufikelela kwiminikelo yangempela usebenzisa isicwangciso esichazwe ngentla ngelixa uvumela imali yokufumana imali ukuba iqhubeke nokukhula ngaphandle kweerhafu kwiinjongo zexesha elide ezifana nokuthatha umhlalaphantsi.

I-Roth IRAs inikezela ngakumbi ukulawula ukhetho lwezolimo. Ininzi yezicwangciso ezingama-529 zinomlinganiselo omncinci wokukhethwa kotyalo-mali ongakhetha kuyo. I-Roth IRAs ayilona utyalo-mali oluthile kodwa kunoko lubonisa uhlobo lwe-akhawunti yokugcina umhlala-phantsi evumela iindidi ezahlukeneyo zotyalo-mali (amasheya, amabhondi, iimali eziphathekayo, ii-ETFs, ii-REIT, ii-CD, njl. Ukuze kusebenze ngokugcwele ukukhula kerhafu kweembuyekezo, ngokuqhelekileyo kubulumko ukufuna utyalo-mali olujoliswe kukukhula kwiRoth IRA.

Umgcini:

Njengezigqibo ezininzi zezezimali, kukho ezinye iindawo eziphantsi zokusebenzisa i-Roth IRA ukunceda ukuhlawula ikholeji. Nazi izicwangciso ezimbalwa zeqhinga:

I-Roth IRAs iyaxhomekeka kwimingcele yembuyekezo. I-Roth IRAs inezinciphiso zengeniso eyenza imibhangqwana esitshatileyo ifake iimbuyekezo ezihlangeneyo ezingenakufaneleka ukufaka isandla ngqo kule akhawunti ukuba zifumana ngaphezulu kwee-198,999 zamawaka ngo-2018 (inqaku: i-backdoor i-Roth IRA enye indlela ejikeleze le miqathango). Mhlawumbi umngcipheko omkhulu wokuba usebenzise i-Roth IRA ukukunceda ukuhlawula ikholeji kukuba unokulibaziseka utshintsho kumhlala-phantsi ukuba unayo ikhefu elaneleyo lokuthatha umhlalaphantsi emva kokuba kukho nayiphi na iholide yokuhlawula ikholeji.

Imirhumo okwangoku ivalwe kwi-5 500 $ ngonyaka (i-$ 6,500 iminyaka eyi-50 nangaphezulu). I-Roth IRAs ineemida ezincinci zenkxaso kunezinye iinqwelo zokugcina iikholeji. Imida yeRoth IRA imida kakhulu kunemiqathango ephakamileyo efunyenwe namacebo angama-529 okugcina imali. Enye ingxaki efunyenweyo xa usebenzisa iRoth IRA iminikelo yokuhlawula iindleko zekholeji kukuba ukusabalalisa kubalwa njengengeniso engafumanekanga kwi-FAFSA yonyaka ozayo kwaye kunokunciphisa ukufaneleka komntwana ekuncedeni inkxaso-mali. I-Roth IRAs zisenayo ixabiso lempahla ephantsi yeenjongo zoncedo lwezemali kwaye ixabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso lexabiso elikhoyo

Izicwangciso ezingama-529 zisoloko zilunge ngakumbi xa ulondolozo lwekholeji yinjongo ephambili. Isicwangciso-mali esijoliswe kuphela ekuhlawuleleni iikholeji, icebo le-529 lokulondoloza ikholeji lisoloko luyindlela engcono. Isicwangciso-mali se-529 sikhula i-tax-free and distributions used to pay for the cost of education qualifications are free tax. Ukususela ngo-2018, ungasebenzisa ukufikelela kwi-$ 10,000 kwi-529 isicwangciso esiphumelayo kwiindleko eziphambili kunye nezikolo eziphakamileyo.

Kubazali okanye ootatomkhulu esele bajonge ukuhlangabezana neenjongo zokuthatha umhlala-phantsi kunokuba luncedo kakhulu ukujonga kwiiplani ezingama-529 zokuqala zokulondoloza ikholeji. Kodwa xa iinjongo zezimali zekholeji zifuna ukuguquguquka kancinci okanye ukuba umntwana wakho oya kwiikholeji ayencinci ukuba iRoth IRA iyabonakala ngakumbi.

Sonke sinemibandela yeenjongo zokuphila ezisoloko zikhuphisana ngemali yethu eyimali enzima. I-Roth IRAs zifanelekile ukuba zihlolisise ukuba ufuna i-akhawunti ehlawulwe irhafu ngokulondoloza umhlala-phantsi kunye noguquko lokufikelela kwiimali zokuxhasa iinjongo zezimali zekholeji. Xa kukho izinto eziphambili kwizinto eziphambili kwizinto eziphambili kunokuba zigcinwe kwiikholejini, ukugcina kwi-Roth IRA kunokunceda unike uxolo lwengqondo ukuba uthathe amanyathelo okugcina iindleko zekholeji ezizayo kunye nomhlalaphantsi wakho.