I-Backdoor Roth IRA Inako Ukunikezela Iintlawulo Zentlawulo kwi-High-Income Benearners
Akunjalo wonke umntu unokufaka isandla kwiRoth IRA, nangona kunjalo. Iingeniso zangaphakathi zeeNkonzo zeRhafu I-Roth IRA ekufanelekile ukulungiswa kwemali engenayo yokulungiswa kwemali kunye nesimo sokufakela irhafu.
Ngo-2017, isibonelelo sesigaba kwi-filters enye kunye ne-MAGI ye-133,000 okanye ngaphezulu kunye nezibini ezitshatileyo ezifakela ngokubambisana ne-MAGI ye-$ 196,000 okanye ngaphezulu.
Kukho, nangona kunjalo, umsebenzi ojikeleze umda wokufumana imali. I-backdoor IRA inikezela abaphezulu abafumana ithuba lokunandipha iintlawulo zerhafu zeRoth, kodwa kungenjalo ukuba ngamnye umtyalo-mali.
Indlela i-Backdoor Roth IRA Works
I-backdoor i-Roth IRA ilungile ngqo. Kuquka nje ukuguqula igalelo le- IRA lendabuko kwiRoth IRA. Unokwenza i-backdoor IRA usebenzisa i-IRA yendabuko ekhoyo, okanye uvule i-akhawunti entsha ngokukodwa ukuguqulwa.
Xa usuguqulele i-asethi yendabuko ye-IRA kwi-asethi yeRoth IRA, uya kukwazi ukunandipha isimo sokurhoxisa inkokhelo ye-akhawunti. Kodwa ke, kufuneka uqaphele nayiphi nayiphi na irhafu yerhafu onokuyenza ngenxa yokuguqulwa.
Roth Conversion Taxes
Ii-IRA zeMveli zixhaswa ngeedola zerhafu .
Ngokuxhomekeke kwingeniso yakho, le mivuzo inokuthi ichithwe okanye ingadalwanga. Ngoko kutheni kubalulekile ukuba uguqula i-IRA yendabuko kwiRoth?
I-IRS ayikuvumeli ukuba uhlawule umthwalo wakho werhafu nge-IRA yendabuko. Ngokuqhelekileyo, unokuhlawula irhafu kule mali xa uwahoxisa umhlalaphantsi, kwinqanaba lakho lentlawulo epheleleyo.
Ukuba uguqula i-IRA yendabuko ehlanganiswe negalelo elincinciweyo, kufuneka uhlawule irhafu efunekayo kuloo mivuzo kunye nemali yabo yokufumana ngexesha lokuguqulwa.
Kodwa kuthekani ukuba uguqula iimali ezingenakudalulwa ? Yilapho izinto zingenakunzima. Ukuba i-IRA yakho yemveli ibandakanya kuphela inkxaso engeyiyo-deductible, ungayikhokhela irhafu kwiyiphi na imali engaphezulu kwerhafu yakho. Ukuba unemveli ye-IRA ebandakanya zombini i-deductible non-deductible contributions, nangona kunjalo, i-IRS iya kubala nayiphi na irhafu efunekayo ngokuguqulwa kwisiseko, usebenzisa ixabiso le-IRAs yakho yonke.
Oko kuthetha ukuba unayo i-$ 300,000 kwiimpahla ze-IRA zendabuko kwaye uncedise i-$ 5,500 kwi-IRA engekho-deductible, awukwazi nje kuphela isahlulo esingenakudalulwa, nokuba kukho kwi-akhawunti ehlukile. Uya kufuneka uphathe i-$ 5,500 eyi-$ 500 njengenguqu eyingxenye yexabiso lakho le-IRA yeenjongo zerhafu.
Ukunciphisa iRhafu yeRhafu yeNkcubeko
Ukuba unesibhakethi esiphezulu serhafu kwaye uguqula imali ebalulekileyo yemali ye-IRA yendabuko, umphumo unokuba ngumrhumo omkhulu werhafu ngonyaka oguqula ngawo. Ngethamsanqa, kukho indlela yokunciphisa i-tax bite.
Ngeenjongo zerhafu, i-IRS ayifaki 401 (k) phantsi kwezikhokelo zesikhokelo.
Ukuba unomxube wezinto eziqhelekileyo ezidityanisiweyo kunye ne-non-deductible ye-IRA, ungayifaka isahlulo esinqunyiwe kwisicwangciso sakho somhlala-phantsi somsebenzi ukuba uvumelekile. Oku kuya kukushiya sikhululekile ukuguqula isahlulo esingekho-deductible ye-IRA yakho kwiRoth ngaphandle kokubangela umgaqo werhafu we-pro-rata.
Indlela yokugqiba ukuba i-Backdoor Roth IRA ilungele wena
I-backdoor i-Roth IRA ingakwazi ukufumana iintlawulo zerhafu ezibalulekileyo kodwa kubalulekile ukucinga ngokucokisekileyo.
Umzekelo, yeyiphi ibhakha yerhafu okulindele ukuba ube nayo xa uhlala phantsi? Ukuba ukulindele ukuba ube kwi-bracket ephakamileyo kunokuba ukhona ngoku, ukulondolozwa kwentlawulo onokuyifumana kwiRoth IRA ukurhoxiswa kunokugqithisa nayiphina inxaxheba yemali oyenzayo ngoku ngenxa yokuguqulwa. Ngakolunye uhlangothi, ukuba uqokelele inani elikhulu kwi-IRA yendabuko, ukuguqulwa kungaba kubi.
Khumbula kwakhona ukuba awukwazi ukurhoxisa iimali eziguqulwayo kwiRoth IRA okungenani iminyaka emihlanu ngaphandle kokufaka isohlwayo. Ukuba uthayibhile imali ngaphambi koko, uya kuba ne-10 yepesenti yexesha lokuyeka ukukhutshwa ngaphandle kokuba uneminyaka yobudala engama-59 / 1/2 okanye ngaphezulu. Kubalulekile ukuqonda umgca wakho wexesha uze ucinge ukuba uya kuyidinga loo mali.
Ukuba awuyikucwangcisa i-asethi ye-IRA ixesha elithile, i-backdoor Roth inikeza enye inzuzo. Ngeemveli ze-IRA, kufuneka uqale ukuthatha isabelo esincinci ngokusekelwe kwithuba lakho lobomi kwiminyaka engama-70 / 1/2. I-Roth IRA ayinaso isabelo esincinci esincinci , oku kuthetha ukuba ungashiya imali ukukhula njengoko uthanda. Oko, bebambene nekhono lokwenza abo bahoxiswa ngaphandle kweerhafu, bangenza izikali ukulungiselela ukuguqula impahla ye-IRA yemveli.