Imibuzo Yokuzibuza Ngaphambi kokuba wenze isinqumo sokuguqula iRoth
Ukuze iRoth IRA izabelo zenziwe ngenkokhelo yerhafu, kufuneka zenziwe emva kwexesha eli-5 elihlawulwayo lokuthatha inxaxheba kwaye zenzeke emva okanye emva kokufikelela kwiminyaka eyi-59 ½. Kwimeko yokuguqulwa, iminyaka emi-5 kufuneka idlule ukususela ekuguqulweni.
Ukuguquguquka kweRoth IRA kunokwenza ingqiqo enkulu kwabanye. Ngakolunye uhlangothi, kukho iimeko ezithile xa kungenangqondo nhlobo. Ngaphambi kokuba uguqulwe kwiRoth , zibuze le mibuzo.
Ngaba ndikufutshane nomhlalaphantsi kwaye ndifuna i-IRA ngeniso?
Ukuba usondela kumhlalaphantsi okanye ufuna imali yakho ye-IRA ukuba uphile kuyo, akusibi ukuguqula kwiRoth. Ngenxa yokuba uhlawula irhafu kwiimali zakho, ukuguqula kwiRoth ibiza imali. Kuthatha inani elithile leminyaka ngaphambi kokuba imali oyihlawula ngaphambili ichaneke ngokulondolozwa kwentlawulo. Ukuba uthabatha umhlala-phantsi, ukwandisa ixesha elifanelekileyo. Ukuze ufumane ingqiqo yokuba ungcono ukuguqula, i-calculator yokuguqulela i-Roth inokukunceda.
(Unokufumana amabalawuli kwii-brokerage sites, le khowudi ye-Roth yokuguqula isiseko esivela kwi-TIAA-CREF.)
Ezinye izixhobo ezinokubakho kwi-Roth IRA zokubala ziquka oku kulandelayo:
- I-Roth IRA Conversion Calculator kaCharles Schwab
- I-Bankrate iguqule kwi-Roth Calculator
- Ngaba kufuneka ndiguqule kwi-Roth IRA? (CalcXML)
Umngeni ngokuthembela kuphela kwi-Roth IRA yokuguqula i-calculator kukuba ukucingwa kusekelwe kwiindleko zerhafu yengomso. Kunzima ukuqikelela apho ireyithi yentlawulo yengeniso iqhutywe kwiminyaka emi-1-2 elandelayo. Khawucinge ukuba kunzima kangakanani ukuchaza ubungakanani beerhafu 10, 20, okanye iminyaka engama-30 ukususela namhlanje xa uza kusebenzisa iRoth IRA yakho.
Qiniseka ukuba ubuyekeze ibhakethi yakho yentlawulo yangoku kunye neprojekthi ngaphambi kokuba uguqule i-IRA yendabuko kwiRoth IRA. Ungasebenzisa le Ncwadana yeTekisi yeRhafu yeRhafu yeNkcazo okanye ulwazi oluvela kwirejista yakho yerhafu yakutshanje ukucacisa i-bracket yakho yentela. Emva koko, gcwalisa isicwangciso- mali sokuthatha umhlala-phantsi ukuqikelela ibhanki yakho yentela ekulindelekileyo ngokusekelwe kwisicwangciso sakho sokufumana umhlala-phantsi.
Ndiyakwazi ukuhlawula irhafu?
Ukuguqulwa kwe-Roth IRA kunokubiza, kuba kufuneka ukhokhe irhafu kwi-IRA yakho ekhoyo . Eyona nto, imali akufanele iphume kwi-yakho yokugcina umhlalaphantsi. Ukuba kufuneka usebenzise imali evela kwi-IRA yakho yendabuko ukwenzela ukuba uhlawule irhafu kuza kukubiza ukuba uguqulwe kwiRoth, ulungele ukuvumela ukuba imali ihlale iqinile.
Inkqubo enye yokuqwalasela ukusabalalisa indleko yokuguquka kwiminyaka embalwa. Oku kunokukunqanda ukuba ungene kwi-bracket ephezulu.
Ngaba ndifuna ukuhlawula irhafu?
Ngamanye amaxesha ukwenza ukuhamba kakuhle kwemali kunokuba nzima ukwenza. Yiloo nto ininzi yokuba abaninzi bezithethe ze-IRA xa beqwalasela ukuguqulwa kweRoth IRA. Ngaba unokucinga ukuba umntu unayo i-$ 300,000 kwi-IRA kunye neyona nto phambili ekunikezela i-$ 75,000 ye-IRA? Ukuguqulwa kwe-Roth IRA kubonakala kukuhle kumaphepha kodwa kwihlabathi lenene linokuba nzima.
Ungasebenzisa iminikelo yokunceda ukuhlawula irhafu yenguqu yeRoth. Ukuncitshiswa kweRhafu kungaba isicwangciso esiphumeleleyo sokunciphisa iindleko zerhafu yokuguqulwa kweRoth IRA. Ngokuqinisekileyo kufuneka uqale ufumane izibonelelo zemali kwaye unqwenele isipho kwisibonelelo sokunceda ukusetyenziswa kwesi sicwangciso.
Ngaba ndiza kuba sebhasi ephantsi kwerhafu?
Ukuba ucinga ukuba uya kuthabatha kwi-bracket yerhafu engaphantsi kunokuba ukhona ngoku, akunakuqonda ukuguqula.
Uza kuhlawula irhafu ephezulu ekuguquleni kunokuba ungayenza ukuba uyihoxise imali kwi-IRA yakho yendabuko emhlala phantsi .
Ukuguqulwa kwe-Roth IRA ingaba nembono omuhle kwabanye kodwa kungabikho bonke abatyalo-mali be-IRA. Cinga ngokukwazi ukuguqulwa ngokucophelela ngaphambi kokuba wenze nayiphi na ishukumo sokuguqula ukugcina kwakho.