Kutheni iRoth 401k Akunakuba Ngayo
Roth 401k Umxholo
Kwamanye amaphepha, sixoxe ngendlela uRoth 401k yokubonelela ngayo enokungeniswa kwii-401k izicwangciso (kunye nezinye iintlobo zezicwangciso ezifanelekileyo ezifana ne-403b).
Ukuba ungekho kakade, qi ni sekise esikolweni kwizinto ezisiseko zeRoth 401k .
Roth 401k Iingxaki
Ukuba unomdla malunga nezithembiso zikaRoth 401k, khawuleza uze uqinisekise ukuba kulungile kuwe. Vumela ukuba ndidlale uMmeli kaMtyholi kwaye ngigxininise ukulahleka kweRoth 401k.
Kule ngongoma ndiya kuthetha ukuba ezi zinto zingenakwenzeka okanye zingenakulungelelaniswa - kuxhomekeke kwiimeko zakho. Yonke into ebomini ibandakanya i-tradeoffs, kwaye akukho nto enjengokutya kwemahhala-ikakhulukazi kwi-IRS. Nangona kunjalo, senza okusemandleni ethu.
Ekugqibeleni, andiyazi ukuba imeko yakho yintoni. Ngako oko, le ngcaciso ichanekileyo ngenjongo yokufundisa. Ngokuqinisekileyo, kufuneka wenze uninzi lophando kunye / okanye uthintane nomcebisi werhafu ofanelekileyo phambi kokuba wenze izigqibo ezinzulu.
Akukho myalelo othile, ezinye iimeko ezingabonakaliyo zeRoth 401k zi:
- Kuthatha okungakumbi ukuluma kwikhokhelo yakho yenetha ukubeka inani elifanayo leedola kwi-akhawunti ye-Roth 401k (kuba awufumani umrhumo werhafu wonyaka).
- Asazi ukuba yeyiphi imithetho yentlawulo eya kuba yinto ezayo. Ibhakha yakho yerhafu ingaba phezulu okanye iphantsi - ngubani owaziyo? Ukongezelela, abapolitiki banokugqiba isigqibo sokuba iRoth yayingumbono omubi kwaye irhafu yonke into. Kakade, babeza kunzima ukufumana kwakhona.
- Amalungiselelo e-Roth 401k okwangoku asetshenziselwa "ukushona kwelanga" (okanye ukuhamba) ngo-2011. Oku kwenza kube nzima ukuthatha (iinjongo zokucwangcisa ixesha elide) ukuba uza kwenza i-Roth-type contributions ngonyaka odlulileyo. * ( Oku kuye kwatshintsha ngoSeptemba 2006 )
- I-Roth imali isoloko ine-"iminyaka emi-5 yolawulo" iqhotyoshelwe kuyo. Andiyi kuhamba ngeenkcukacha kweli phepha, kodwa kufuneka uqwalasele ukuba ingaba imali yakho ayiyi kubakho kwi -akhawunti ye -Roth iminyaka engama-5. Ukuncintisana nemiba, imali yakho ilahlekelwe ngumnyaka wayo wesi-5 + "ukuguga" ukuba uyayigxotha kwiRoth 401k kwaye ube yinto entsha yeRoth IRA.
- I-Roth 401k ayicingi ukuba "ukuthengwa kwekhaya lokuqala" (njengoko kuchazwe yi-IRS) njengokwenza ukuhoxiswa ngokufanelekileyo, oku kuthetha ukuba unokufumana irhafu ongazange ulindele ukuba uzame ukusebenzisa iRoth 401k yakho yerola ukuze ufunde okokuqala -ngethuba lokuthenga ekhaya.
- Ukusabalalisa ama-Roth 401k angafanelekanga (ngesiNgesi, oko kuthetha ukuba ii-IRS azizange zicinge ukuba unesizathu esihle sokuthatha imali) ziphathwa ngokwahlukileyo kunokwabiwa kweRoth IRA ezingafanelekanga. Ukusuka kwi-Roth IRA, unokuthi usuke ubuyisela imali yakho yasekuqaleni. I-Roth 401k inokufuna ukuba uyihlawule irhafu kwiphina imali efumanekayo kwi-akhawunti yakho nangona ungasasazisi yonke imali.
- Akukho ncitshulwa yerhafu yonyaka. Ngeminikelo yemveli engu-401k, unomdla wokunciphisa umvuzo ongenisekayo kunyaka okhoyo. NgeRoth 401k, kuya kufuneka ulinde nayiphi na inzuzo yerhafu.
Kukho ubuninzi be-Roth 401k ezingalunganga.
Imingeni endiyibhengeze ngasentla ingaba okanye ingabi yinto ebalulekileyo kuwe, kodwa kufuneka uhlasele kude emva kwengqondo yakho. Kwakhona, khumbula ukuba kunokukho iindlela zokulawula ezinye zeengcingo ukuze zingakuchaphazeli.
Ukubhengezwa: U-Justin Pritchard unguMmeli obhalisiweyo kunye noMmebisi wezeNtengo weMali-mali, i-Member SIPC.