Abagcini bemhlalaphantsi banenye indlela yokugcina kwi-akhawunti yeRoth
Yingakho kubalulekile ukuhlala ukwazi umda wokuthatha umhlalaphantsi.
Umngcele we-IRS wama- 401 (k) iminikelo i-$ 18,000 ngo-2016 (kunye nezinye i $ 6,000 ukuba uneminyaka engama-50 okanye ngaphezulu). Nangona kunjalo, uninzi lwabantu alukwazi ukuba banako ukugcina imali eyongezelelweyo kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi. Kwezinye iimeko "ukugcina ngaphezulu" kuthetha ukufaka isandla kumyinge wonyaka wenkcazo echaziweyo (ukusuka kumbini womqeshwa nomqeshi) we $ 53,000 (kunye ne-6,000 zamaRandi ukufumana ukuba i-50 nangaphezulu) okanye i-100% yembuyekezo yakho, nayiphi na encinane. Oku kufana nesicwangciso esikhulu ukuba unako ukugcina loo nto ngokuthatha umhlalaphantsi, kodwa abaninzi abantu abakwazi ukukhupha igalelo labo lomhlalaphantsi. Nangona kunjalo, ukuba sele usenelungelo lokwenza igalelo elininzi elivunyelwe kwimpeshelweni engekahlawulwa ngaphambi kweerhafu kunye neRoth, zi zizathu ezimbalwa zokugcina ngaphezulu ngenxa yentlawulo yerhafu emva kwe-401 (k) isicwangciso okanye enye inxaxheba echaziweyo isicwangciso somhlala phantsi:
Unayo Ikhono Lokubuyisela Iminikelo
Kufuneka ngokubanzi ukwazi ukurhoxisa umrhumo wokuzithandela emva kwentlawulo, ngokuxhomekeke kwizikhokelo zezicwangciso zokuhoxiswa . Oku kuthetha ukuba unomngcipheko, uya kuba nokufikelela kuloo mali. Nangona kunjalo, unako ukukwazi ukurhoxisa ukukhula kweentlawulo ezihambelanayo, kwaye ukuba ngaba kunjalo, loo mivuzo - kodwa ingengeniso yakho yangaphambili-iya kuba phantsi kwentlawulo kunye nezohlwayo ze-10% xa ihoxiswa ngaphambi kweminyaka yobudala engama-59 / 1/2.
Yenza Inkqubo Yokulondoloza Umhlalaphansi ngokuzenzekelayo
Enye yeenzuzo eziphezulu kakhulu ezicwangcisiweyo zomqeshi ezixhaswe ngumqeshi zikulungele kwaye zilula zihambelana neminikelo yokuzenzekelayo. Kunokuba wenze isigqibo sokugcina umhlala phantsi rhoqo xa ufumana ukuhlawula imali yakho yokugcina imali ivele ngokuzenzekelayo. Ngenxa yoko, ukugcina imali emva kwerhafu kwisicwangciso sakho somhlalaphantsi emsebenzini kuyindlela elula kwaye kulula ukuyilondoloza imali yakho yokugcina umhlalaphantsi. Yonke into enokuyenza isigqibo kukuba ipesenti yomvuzo wakho ofuna ukufaka isandla kunye nendlela ofuna ukuba imali ityalwe ngayo. Kwimeko ezininzi izicwangciso zakho zokutsalwa kotyala lomhlala-phantsi zifana nalabo abakwi-akhawunti yakho yangaphambi kwentlawulo kunye neRoth.
I-Akhawunti-emva kweRhafu iyakufaneleka kwiRover I-Free Rollover kwiRoth IRA
Inzuzo enkulu yokwenza umrhumo werhafu emva kwesicwangciso somhlala-phantsi udlalwa xa ugqiba ukushiya inkampani yakho okanye uthatha umhlalaphantsi. Ibhalansi yakho ye-akhawunti yomhlala-phantsi yomhlalaphantsi iya kuba neengxenye ezimbini ezibalulekileyo: iminikelo yakho yokuqala yerhafu kunye nokukhula kwentlawulo ehlawulwa irhafu kule mivuzo yasekuqaleni. I-IRS ikuvumela ukuba uhlukanise la malungu ahlukeneyo ngexesha le-rollover kwinkqubo.
Ngelo xesha ushiya inkampani yakho okanye uthathe umhlalaphantsi unako ukugxila ukukhula kweerhafu ezilandelwa ngerhafu kwi- IRA yendabuko kwaye uhlawule umrhumo wakho werhafu emva kweRoth IRA.
Ikhono lokuxhaswa kwemali yokuzithandela emva kwerhafu kwiRoth IRA ikunika amandla okuvumela ukuba kukho ukukhula kokuzuza kwemali kwixesha elizayo ukuba kwenzeke ngaphandle kwentela xa ushiya imali kwiRoth IRA ubuncinane ubuncinane iminyaka emihlanu uze ufike emva kweminyaka 59 ½.
Ngokutsho kwe-IRS, " impatho ehambelana nemirhumo yerhafu emva kokuhlawula irhafu i-tax pre-tax. Ngaloo ndlela, iminikelo yerhafu emva kokuhlawula irhafu ingafakwa kwiRoth IRA ngaphandle kokuquka imali. Ngaphantsi kweSaziso sika-2014-54, unako ukugqithisa inani lokuhlawula irhafu phambi kokusasazwa kwi-IRA yendabuko kwaye, kwimeko apho, imali ayiyi kufakwa kwingeniso ize ihanjiswe kwi-IRA. "U
Ngokomzekelo, cinga ukuba sele uncedise i-$ 18,000 eyi-18 kwi-plan yakho engaphambi kokuhlawula irhafu (k) kwaye uyakwazi ukugcina i-$ 12,000 eyongezelelweyo ngegalelo emva kwentela.
Emva kweminyaka eyi-10, masicinge ukuba unama-$ 160,000 ukusuka kwiminikelo yakho yerhafu emva kwenyanga (i-$ 120,000 kwiminikelo kunye no-40,000 wama-dollar ekukhuleni). Kule meko unayo i-$ 250,000 kwi-savings ngaphambi kokuhlawula irhafu nokukhula ukusuka ekunikezeni i-$ 18,000 ngonyaka. Xa ushiya umqeshi wakho ukuba uthathe umhlalaphantsi okanye uthathe umsebenzi omtsha, unokwenza i-rollover isicwangciso sakho sokuthatha umhlala-phantsi sokuzithandela kwisibonelelo sokuthatha umhlalaphantsi kwiindawo ezimbalwa ezihlukeneyo: i-$ 120,000 ukuya kwi-Roth IRA kunye ne-$ 290,000 kwi-IRA yesintu okanye isicwangciso sakho somnikelo esichaziweyo somqeshi.
Ekugqibeleni, ukuba uhamba phambili eminye iminyaka eyi-10 ukuya kumhlala phantsi i-akhawunti yeRoth IRA yedwa ngokwayo iya kuxabisa kabini (ngaphandle kweminikelo eyongezelelweyo) ngokuthatha i-7.2% yokubuya ngonyaka kunye nokusebenzisa uMthetho wama-72 . Yiyo eyongezelelweyo i-$ 120,000 yokukhula kwentela ngokusebenzisa inzuzo yokugcina imali yentela emva kwesicwangciso somhlalaphantsi emsebenzini.