Ukufaneleka, iRhafu, kunye noTyalo lweNtsalo-mali ukuguqulwa kweRoth
Iyintoni ukuguqulwa kweRoth?
Uguqulelo lwe-Roth luyisigqibo sokhetho lokutshintsha isicwangciso somhlala-phantsi esifanelekileyo, esinjenge- 401 (k) okanye i- IRA yendabuko , kwi- Roth IRA . Ngokwenza njalo, uthatha imali okwangoku iphathwe njengerhafu echaziweyo kwaye iyiguqulele kwi-akhawunti ekhulayo irhafu. Ukuze wenze utshintsho olunjalo, kunjalo, kufuneka uhlawule irhafu kwixabiso oguqukayo.
Ngubani onokuguqula kwiRoth?
Nangona kukho imingeniso yemali echaphazela amandla okwenza uxhaso lweRoth IRA, akukho mingeni yokufumana imali malunga nokuguqulwa kweRoth. Kodwa oku akuzange kube njalo. Ngaphambi kokutshintshwa komthetho werhafu okwenzeka ngo-2010, ukwenzela ukuba ufanelekile ukuguqula i -akhawunti yomhlala-phantsi e-Roth IRA, ingeniso yakho epheleleyo echitshiweyo (MAGI) kufuneka ibe ngaphantsi kwe-$ 100,000. Ukukhutshwa komda wokunciphisa umyinge kwavuleka enye indlela yokuguqulwa kweRoth kubantu abaninzi.
Ukwenza isigqibo malunga nokuguqulwa kweRoth
Ukuguqula kaninzi kunengqiqo ukuba:
- uyakholelwa ukuba inzuzo evela kwimali yakho yokukhulisa irhafu iya kuba enkulu kuneendleko zokuhlawula irhafu ngenxa yokuguqulwa
- unayo imali ekhoyo ukuhlawula irhafu ngenxa yokuguqulwa
Ezi zinto zingabi zigqibo ezilula zokwenza.
Ngenhlanhla, kukho ezininzi zokubala ukukunceda, kubandakanywa i-calculator Converter Roth IRA.
Njengahlaphi na uhlalutyo, iziphumo zekharityhulam zichanekileyo nje ngolu hlobo oluluncedo. Hlalani nikhumbula oku kulandelayo xa nenza isigqibo malunga nokuguqula eRoth:
- Ukuba ulindele ukuba izinga lakho lokurhafu libe phezulu kumhlalaphantsi kunoko ngoku, ukuguqulwa kunokwenzeka ukuba kulungele ukuhamba.
- Inqanaba elilindelekileyo lokubuyiselwa kotyalo-mali lwakho, ukuguqulwa kweRoth kungcono kakhulu.
- Ukuba usude ude umhlala phantsi (kwaye ke ngoko, kude kube yilapho uzakufuna ukukhipha imali yakho kwiRoth IRA ukuze uzincede), bhetele ukuguqulwa kweRoth kuya kuvela.
Enye ingqwalasela ebalulekileyo: ukuba uthathe imali ngaphandle kweakhawunti yakho yokuthatha umhlalaphantsi ukuze uhlawule irhafu efanelekileyo ngenxa yokuguqulwa kukubonakalisa ukuba uguqulelo lweRoth alufanelekanga.
Iminikelo yangaphambili engekho-Deductible kunye ne-Roth Conversion
Ukuba ubude wenze i-IRA okanye i-401 (k) yenkxaso engeyiyo-deductible, ke inxenye yesaxabiso oya kuguqula kwi-Roth IRA ayiyi kuba phantsi kwentela. Ngelishwa, awukwazi nje ukukhipha inxalenye engakhokhiswanga. Kunoko, urhulumente ufuna ukuba yonke idola oyiguqulayo ikwahlukana phakathi kokungahlawulwanga irhafu kunye noxanduva lokuxhaswa ngokumalunga nomyinge ongekho-deductible contributions omela ixabiso leakhawunti yakho yomhlalaphantsi .
Ngokomzekelo, ukuba ngaba wenze i-IRA yakho ye-$ 8,000 yangaphambili, ixabiso le-IRA liyi-$ 80,000, kwaye unquma ukuguqula i-R10 000, ngoko u-10% (i-$ 8,000 kwi $ 80,000) yokuguqulwa kwakho, okanye i-$ 1,000 ($ 10,000 x 10% = $ 1,000) ayihlawulwanga. Uya kuhlawula irhafu kwi-$ 9,000 yokuguquka.
IiAkhawunti ongazitshintshela kwiRoth IRA
Ukuba uvumelekile, unokuguqula i- IRA yendabuko okanye i-401 (k) kwi-Roth IRA. Qaphela, nangona kunjalo, awukwazi ukuguqula i-401 (k) kwi- Roth IRA ngelixa usasebenza kumqeshi apho i-401 yakho (k) ibanjwe khona. Nangona kunjalo, xa ugqiba umsebenzi, unokuguqula kwaye ulungise i-IRA yakho ngexesha elifanayo.
Konke okanye Akukho?
Abantu abaninzi abanakukwazi ukuhlawula irhafu ngenxa yokuguqulwa kweRoth IRA . Ngelishwa, nangona abanye bala bantu beva ukuguqulwa kwesicwangciso-mali sabo sexesha elide, abavakalelwa kukuba banokuyisebenzisa.
Ukuba oko kuzwakala ngathi, kukho enye impendulo: guqula kuphela imali yeakhawunti yakho oyaziyo ukuba unako ukuhlawula ngokufanelekileyo ukuhlawula irhafu. Nangona uqhubeka ulungele ukuguqula, ungaqhubeka nokwenza uguqulelo oluthile emva konyaka, ungalokothi wenze loo ntlawulo enkulu yerhafu, kodwa ngokuzenzekelayo uguqula ii-akhawunti zakho zokuthatha umhlala-phantsi kwiimeko ezingenarhafu.