Akufanele ukhethe phakathi kweRoth IRA kunye ne-Mutual Fund
Ngokungafani ne-joint fund, i-Roth IRA ayilona uhlobo lotyalo-mali.
I-Roth IRA ngumhlobo weakhawunti. Ungabamba utyalo-mali njengamasheya, iibhonksi , imali, kwaye, ewe, kunye neengxowa-mali zombini , ngaphakathi kweRoth IRA.
Iindidi ezahlukeneyo zamaziko zinika iinguqu zabo zeRoth IRA. I-Roth IRA evela kumthengisi wezaphulelo ezifana noCharles Schwab kukuvumela ukuba uthenge ngokuthe naluphi na uhlobo lotyalo-mali, kubandakanywa nezitokisini ezikhankanywe ngaphambili, izibophelelo kunye neemali ezihlangeneyo. I-Roth IRA evela kwibhankini mhlawumbi iya kukuvumela ukuba uthenge izitifiketi zokufaka idiphozithi okanye iimali zeemarike zemali. I-Roth IRA evela kwinkampani yokuxhaswa ngemali mhlawumbi iya kukuvumela ukuba uthenge iimali ezixhaswa yiinkampani ezizimeleyo.
Ukukunceda uqonde ukuba kutheni yonke imbono yeRoth IRA kunye neengxowa-mali zobudlelwane ngokubambisana, ndiza kukuqhuba ngeemeko ezithile. Ngokubona indlela umtyalo-mali angavula ngayo enye yee-akhawunti ezixhamliweyo zerhafu kwilizwe lenene, unokukwazi ukuqonda kakuhle indlela asebenza ngayo.
Izinto ezisisiseko zeRoth IRA Works
I-Roth IRA ngumhlobo weakhawunti yomhlala-phantsi eyenziwe yiCongress. Ihluke kwi-IRA yeNdabuko kwiindlela ezininzi eziphawulekayo . Unyaka ngamnye, iCongress ikuvumela ukuba ubeke eceleni umlinganiselo othile wemali, ukufikelela kwindawo ephezulu eyaziwayo ngokuthi "umda wenkxaso". Ndiza kusebenzisa imida yokugqibela yeRoth IRA , eyi-$ 5,500 ngomntu ngamnye nangomntu oneminyaka engama-49 okanye omncinci kunye ne-6,500 yamarandi ngomntu ngamnye nawuphi na iminyaka engama-50 okanye ngaphezulu.
Naliphi na imali ofaka isandla kwiRoth IRA, ukuya kutsho kumlinganiselo ophezulu kunyaka owenziwe, ayikho irhafu echithwayo. Ngaloo ndlela, kufana nokongeza kwi-akhawunti yokulondoloza. Ngakolunye uhlangothi, phantse zonke iintlobo zengeniso kwiRoth IRA, kubandakanywa izahlulo, inzala, ukuzuza kwempembelelo, kunye nakwezinye iimeko, iireti , azihlawulwanga ngokupheleleyo. Ukutshintshisana nalo mcimbi omnandi, awuvunyelwe ukurhoxisa inzuzo uze ufike kwiminyaka engama-59.5 ubudala ngaphandle kokuba udibane nenye yeemviwo ezininzi . Ngaphandle koko, uza kuhlaselwa ngentlawulo ye-10% yentlawulo.
Makhe sicinge ukuba ngexesha lokuphila kwakho, ubulumko kwaye uphumelele ngemali kwiRoth IRA. Ugqitywa nge-$ 5,000,000 kwi-akhawunti kwaye uyipaka zonke kwiibhondi zenkampani ngelixa zivumela i-7.5% kwiminyaka eyi-10 yokukhula. Uyakuqokelela i-$ 375,000 yemali ngonyaka ngamnye kwiRoth IRA yakho. Ngaphantsi kwemithetho ekhoyo, ngokungakhathaliseki ukuba uneminyaka engama-59,5 okanye ngaphezulu, unokukrhoxisa loo mali - yonke i-$ 375,000 yayo-kwaye ungalokothi uhlawule irhafu enye yentlawulo. Okanye, ukuba ufuna, unako ukurhoxisa yonke i-$ 5,000,000 engenakuhlawulwa irhafu (nangona le nto yayiza kuba yimpazamo njengoko kungcono ukugcina imali ngaphakathi kwokhuseleko luvala iRoth IRA kwaye kuthatha kuphela imali engenayo njengoko uyifunayo) .
Esi sizathu sokuba i-Roth IRA, izandla ezantsi, ithuluzi elihle kakhulu elitholakalayo kubalimi abancinci.
ICongress ayifuni ukuba wonke umntu abe nokufikelela kwi-Roth IRA ngoko imisela imingcele yomvuzo wekhaya malunga nokufaneleka. Ukuba ungatshatanga uze wenze ngaphezulu kweedola ezingama-133 ngonyaka, awufaneleki ukufaka isandla kwiRoth IRA phantsi kwezikhokelo. Ukuba utshatile, udibanisa ngokubambisana, isixa singama-$ 196,000. Le nto imqobo engenanto engenakunqwenela ukuba xa ungena kule nqanaba, unokwenza nje ugalelo kwi-IRA yeNdabuko, engenayo imingcele yemali yokufaneleka, ke uyiguqule kwi-Roth IRA. Yincwadana yamaphepha emininzi kodwa amaninzi amaziko emali akwenza ngokuphindaphindiweyo uhlobo lwesibini. Oku kwaziwa ngokuba yi "Backdoor Roth IRA".
Ukuvula i-Roth IRA kwiBhanki okanye kwi-Credit Union
U-Elize uhamba e-union yakhe yenyoni kwaye uvula i-Roth IRA.
I-credit union ayikho inqanaba lokutshala imali ngoko ivumela kuphela ukuba ifake imali kwiimpawu zepositi okanye i-akhawunti yemarike yemali. Akakwazi ukuthenga nayiphi na isitokethi, iibhondi, iimali ezidibeneyo, okanye i-estate ye-Roth IRA ngenxa yokuba i-servicer (i-credit union) ayinikezeli phakathi kweenkonzo zayo.
Ukwenza kube nzima nakakhulu, ezinye, kodwa zonke, iibhanki kunye neemanyano zeentengo zemali zivumela ukuba uthenge utyalo-mali kwiRoth IRA yakho equka isitokethi, iibhondi, kunye nemali-mboleko evela kwezinye iikhampani. Wells Fargo kunye neBhanki yaseMerika, ngokomzekelo, wehla kule nkampu.
Ukuvula iRoth IRA ngokuthe ngqo nge-Mutual Fund Inkampani
U-Erston unquma ukuba ufuna ukuthenga izabelo zeTweedy Browne Global Value Fund, isimboli se-tickGVX. Uya kwiwebsite yenkampani ye-fund, ulandele i sicelo, uhlola i-"Roth IRA" ibhokisi, kwaye ubhale isheke malunga ne-5 500 $, owona mkhulu uvumelekile ukuba abe negalelo ngo-2017 ekubeni uneminyaka engama-33 kuphela ubudala. Inkampani ye-fund efanayo ivula i-Roth IRA kuye, kodwa ukutshala imali kuphela i-akhawunti ingabamba yizabelo zezimali ezilawulwa yiTweedy, Browne & Co., LLC, umphathi wezikhwama. Ukuba wayefuna ukuthenga izabelo ze-Vanguard S & P 500 Index Index okanye i-Coca-Cola, uphumelele kwinhlanhla.
Njengamabhanki kunye neemanyano zeentengo zemboleko, ezinye, kodwa kungekhona zonke, iinkampani zenkxaso-mali zibuye zineentlukwano zemirhwebo ezivumela ukuba uthenge iimali-mali kwi-Roth IRA yakho equka i-stocks, iibhondi kunye nemali-mboleko evela kwezinye iikhampani. I-Vanguard ne-Fidelity, ngokomzekelo, bewela kule nkampu.
Ukuvula i-Roth IRA ngokusebenzisa iSicwangciso soThengiso sokuThengwa kweSitokethi
Emva kokucinga okukhulu, uYuda wenza ingqondo yakhe kwaye ukhetha ukuchitha ixesha lobomi bakhe ukuthenga amasheya eNkampani yeCoca-Cola kwaye ubambelele ngaphandle kwentela kwiRoth IRA. Akafuni ukutyalomali nasiphi na esinye isitokethi okanye i-fund fund, ngoko ubeka uphawu kwisicwangciso esithengiweyo sokuthengwa kwempahla, ene-Roth IRA. Emva kokugqiba isicelo, ukuvula i-akhawunti, kunye nokumisela ikhonkco phakathi kwe-akhawunti yakhe yokukhangela kunye neRoth IRA, i-ejenti yokudlulisa i-giant isiphumo sokuqala sokuqhoxiswa kwinyanga nganye ekuthengeni i-akhawunti ukuthenga izabelo ezininzi ze-Coca-Cola ngeendleko eziphantsi kakhulu; ngokuqhelekileyo ngaphantsi kweedola 2 ngokuthengiselana. Akalokothi ahlawule nayiphi irhafu kwizabelo zakhe zeCoca-Cola kuba isitokethi ibanjwe kwiRoth IRA.
Ukuvula i-Roth IRA ngokuThengiswa koMbane
Mhlawumbi into ekhethwa kakhulu, ukuvula iRoth IRA kunye nenkampani ye-brokerage njengeCharles Schwab, i-E-Trade, okanye i-TD Ameritrade. Isebenza ngokufana nokuvula i- akhawunti yesiqhelo ye- brokerage . Ngaphandle kwemibandela embalwa, ungathenga nasiphi na isitokethi oyifunayo, nasiphi na isibophelelo ofunayo, nayiphina imali efunayo, okanye nayiphina imali efunyenwe ngayo, ngokuqhelekileyo kwi-khomishini kakuhle phantsi kwe-$ 10 nganye yorhwebo. Unokuba neRoth IRA eSchwab ephethe i-Vanguard imali, izabelo zikaGenerali kunye nezinye izatifikethi zokupakisha ezikhishwe ibhanki kwimeko yakho. Ukongezelela ukuba ujabulele ukufumana yonke inkcazelo yakho kwisitatimende esisodwa se-akhawunti, abaninzi abathengi baza kuhlaziya izabelo zakho mahhala.