Ezinye Iinkcukacha kwiRoth 401k
Ukuba uyaqhelana neminikelo yemveli 401k, kunokukunceda ukuthelekisa nokwahlukana .
Kwiminyaka emininzi, izicwangciso ezingama-401k zavumela ukuhlawulwa kwentela (okanye yemveli) kwicebo. Le mivuzo inciphisa ingeniso yakho engenayo, enokukwenza kube lula ukwenza igalelo (okanye kunokukunceda ukuhlawula ngezinga eliphantsi, ukuba uphelile kwibakethi engaphantsi komhlalaphantsi). Nangona kunjalo, ngenxa yokuba loo mali yendabuko ayizange ihlawulwe, i-IRS idinga ukuba uyihlawule irhafu kuyo yonke imali ethathwe kwi-akhawunti yemveli (mhlawumbi uya kwenza oku kumhlalaphantsi, nangona unako ukuhoxisa kwangaphambili-oko kunokubangela irhafu eyongezelelweyo kunye nezohlwayo ).
Ngo-2006, imithetho yatshintsha ukuvumela iRoth 401k iminikelo. Njengeminikelo yemveli, iminikelo yeRoth iphuma kumvuzo wakho. Nangona kunjalo, ayanciphisi imali engenayo engenayo. Uya kuhlawula irhafu yengeniso efanayo ukuba ubeka imali kwiRoth 401k okanye ubeka imali kwi-akhawunti yakho yasebhanki.
Njengokuba kukho amanqaku amaninzi omhlala phantsi, akufanele uhlawule irhafu kwimali engenayo ngaphakathi kwe-akhawunti rhoqo ngonyaka.
Roth 401k Imida
Imida ye-Roth 401k iminikelo ifana neyomrhumo wemveli 401k. Ngo-2016, ubuninzi obunokuba negalelo kwi-401k (njengoluhlu lwemivuzo) li-$ 18,000. Unokwenza konke oko njengeRoth, yonke into njengesiko, okanye unokwenza inxalenye nganye. Ukuba uneminyaka engama-50 ubudala, unokufaka i-$ 6,000 eyongezelelweyo ngonyaka.
Umqeshwa kunye neeDola zabaSebenzi
Xa ulawula inxalenye yomvuzo wakho kwi-401k, wenza "iminikelo yokumisa umvuzo" (ekwabizwa ngokuba ngu "umqeshwa"), kwaye unokukhetha ukuba ufuna ukwenza imveli, iRoth, okanye zombini iintlobo iminikelo. Umqeshi wakho unako ukufaka isandla kwisicwangciso kwaye akuncedise ukwakha imali yakho yokugcina umhlalaphantsi. Le mivuzo (enokuthi ifane neminikelo ehambelanayo okanye igalelo zokwabelana ngenzuzo ) ibhekiselwa kwiminikelo yomqeshi. Iminikelo yomqeshi iya kubakho "inkokhelo engaphambili" kwiakhawunti yakho.
Ingaba yenza i-Sense ukusebenzisa iRoth?
I-Roth 401k yinto ekhethiweyo, kwaye mhlawumbi mhlawumbi ingaba yindlela efanelekileyo. Thetha nge-preparer yakho yerhafu okanye umcebisi weerhafu ofanelekileyo phambi kokuba wenze isigqibo sakho.
Ukuba ukholelwa ukuba irhafu yengeniso iya kunyuka kwikamva, uRoth ingaba yinto efanelekileyo. Oku kungenzeka ngenxa yezinga lokuhlawula irhafu kwi-board-board (ngamanye amagama, kwinqanaba elifanayo lemali engenayo, uya kuhlawula irhafu ngezinga eliphezulu ngaphezulu kweminyaka eyi-15), okanye ngenxa yokunyuka kwakho kwiibhanki zerhafu.
Ngokwesiko, ukucinga ukuba wawube kwibhakethi yentela engaphantsi komhlalaphantsi: uya kuyeka ukufumana imali engenayo emsebenzini wakho, kwaye unako imali encinci kwi-Social Security (mhlawumbi umhlalaphantsi).
Ukuba oko kuyenzeka, uRoth ungagqiba ukuhamba ngokungafanelekanga. Kodwa nangona kunjalo, akulula kakhulu - ihlabathi yindawo elukhuni. Uhlobo lwe-akhawunti oyisebenzisayo lunokuchaphazela ukuba ingeniso engakanani ebonisa ngayo kwimbuyekezo yentela, enokuchaphazela ezinye izinto.
Asinakukwazi oko kuza kwenzeka, ngoko kufuneka wenze ezinye iingqiqo kunye nezifundo zokufunda. Ukuba awuqinisekanga ngenye indlela okanye enye, unako ukusasaza imali malunga nonke: yenza iminikelo yemveli kunye neminye iminikelo yeRoth. Ngaloo ndlela, uya kuba nenketho yokutsala ukusuka kuyo nayiphi na i-akhawunti isebenza ngcono kuwe ngelo xesha.
Kubalulekile: ulwazi olukule ndawo lunikezelwa ngeenjongo zokuxoxa kuphela. Akufanele isetyenziswe ukwenza izigqibo ezibalulekileyo zemali ezinokuba nemiphumo emibi. Qhagamshelana nomqeqeshi oqeqeshiweyo ngolwazi lwemeko yakho ngaphambi kokwenza naziphi na izigqibo.