Kukho izigwebo ezifanayo zokurhoxa kwangaphambili njengoko uzakufumana nge- IRA yendabuko .
Ziziphi iinzuzo zerhafu zeRoth 401 (k)?
I-Roth 401 (k) utyalo-mali emva kotyalo-mali. Oku kuthetha ukuba nayiphi na iminikelo iza kuphuma kwi-paycheck yakho emva kokuba uyihlawule irhafu yentlawulo. Awuyi kufumana irhafu yentlawulo okanye uhlawule imali engenayo engenayo xa ukhetha ukutyalomali kwiRoth 401 (k). Nangona kunjalo, iRoth 401 (k) ukurhoxiswa kweerhafu, kodwa uya kuhlawula irhafu kwimveli 401 (k) ihoxiswa.
Kukho inzuzo ehlawulwayo yentlawulo kwiRoth 401 (k). Unokufuna ukuthetha neCPA yakho okanye umcwangcisi wezezimali kwaye unqume indlela oku kukunceda ngayo. Uya kuqhubeka unemiqathango yeminikelo yonyaka ehambelana nemveli 401 (k). Ngelixa unako ukuba unomdabu kunye neRoth 401 (k), umyinge wonyaka wogalelo wonyaka uhlala unye, awuphindi kabini ukuba unama-akhawunti amabini. Umcwangcisi wakho wezezimali unokukunceda ukuba uphuhlise isicwangciso-mali esiza kukunceda ukwakha ubutyebi ngokuhamba kwesikhathi.
Unokuhlala uqala ukutshala imali ngaphandle kwexabiso elikhulu lotyalo-mali lokuqala, ukuba uza kwenza iminikelo yenyanga. Thatha ixesha ngoku ukudala isicwangciso sezimali esiqinileyo kwikamva lakho.
Ngaba Ndingakhetha I- Traditional okanye iRoth 401 (k) ?
Njengoko ukhetha phakathi kwe-401 (k) kunye neRoth 401 (k), kufuneka uqwalasele izinto ezininzi.
Unokuba ufuna ukuqikelela i-bracket eyobe uyiyo xa ukwenza ukurhoxiswa, njengoko oku kuya kuthintela inani leerhafu onokufuneka uyihlawule. Ukongezelela kubalulekile ukuqwalasela inani lemali oya kuhlawula irhafu kuyo. Ukuba uhlawula irhafu kwiminikelo yakho, ngoko uya kuhlawula irhafu ngemali encinci, ke ukuba uhlawula kwizinto ozifumanayo kwi-401 yakho (k). Ukuba uyayibheka kuphela kwimbono yentela, iRoth 401 (k) yenza ingqiqo. Unokuthi ube kwimeko apho uncedisa kwimveli 401 (k) iya kukugcina kwibakethi engaphantsi. Oku kunokuba yinto enokukunceda ugcine imali encinane ngoku. Nangona kunjalo, akubona bonke abaqeshi banikeza olu khetho, kwaye kungcono ukutyalomali kwimveli 401 (k), kunokuba ityala imali.
Kutheni kufuneka Ndibe ne-401 (k)?
I-Roth 401 (k) ingaba ityala lakho lokutshala imali ngokugqithiseleyo, kuba oko kwenzeka ngokuzenzekelayo. Ungaba nomdlalo womqeshi wakho kule akhawunti. I-401 (k) yenza kube lula ukukhetha uhlobo lotyalo-mali ukususela ekubeni umqeshi uya kukunika okukhethwa kukho okukhethwa kukho. Izinketho ziza kujolisa ngokukodwa kwimingcipheko ephantsi kunye nokukhula okuphantsi, okanye umngcipheko ophezulu ngeendlela eziphezulu zokukhula.
Ndingakanani na ukuba Ndibe negalelo lokuhlala phantsi?
Kufuneka usebenze ukuze utyalomali kwi-15 yepesenti yakho kwingeniso yakho ngonyaka, oko kuthetha ukuba unokufuna ukuvula i-Roth IRA kunye negalelo ekungeneni kule akhawunti.
Xa ukwenza oku, kufuneka ukhethe i-IRA evumela ukuba utyalomali kwiimali ezixhatshaziweyo ngokuchasene nomntu onika iiCD kuphela, njengokuba ungayifumana kwi-bhanki yakho. Oku kuya kukunika izinga eliphezulu lokubuyela kwaye kukunceda ucwangcise umhlalaphantsi ngcono.
Yintoni eyenzekayo xa Ndiyitshintsha imisebenzi?
Ukuba utshintshe imisebenzi, unokwenza u- 401 (k) wakho kwi-IRA . Xa ukwenza oku, kukulungele ukuyiqhayisa kuhlobo olufanayo lwe-IRA. Ngokomzekelo, ukuba unayo iRoth 401 (k), uya kufuna ukuyifaka kwi-Roth IRA, okanye uza kugqiba ukuhlawula irhafu kwiminikelo yakho kunye nokuhoxiswa. Unokwenza umqulu 401 (k) ungene kwiRoth 401 (k), kodwa uya kulindeleka ukuba uhlawule irhafu xa usenza i-rollover. Ukuba ungenayo imali, kuyona nto ingcono ukuyifaka kwi-IRA yendabuko kunoko.