Isizathu sokuba Senze Ukwazi Ukugcina Kuzo zombini i-401 (k) kunye neRoth IRA
401 (k) Ngaphezu kweRoth IRA
Ukuba unika iminikelo rhoqo kwi- 401 (k ) kwaye ufuna enye indlela yokugcina idola yomhlala-phantsi, uRoth IRA iyinqununu enkulu. Abatyalomali abafanelekayo banokufaka isandla kwi-401 (k) kunye neRoth IRA kunyaka omnye, kwaye kukho izizathu ezifanelekileyo zokwenza njalo.
Ngoxa i-401 (k) iminikelo yenziwa ngeedola ze-pretax, i-Roth IRA asethi ivela kwi-dollar yakho emva kwentela. Utyalo-mali kwezo zombini ziintlobo zee-akhawunti zikhula zikarhoxiswa irhafu kuze kube ngumhlalaphantsi, kodwa imali oyithathayo kuma-401 (k) iya kubhatalwa ngelixa iRoth isasaza.
Igalelo yeRoth IRA inokuphinda ihoxiswe nayiphi na ixesha ngaphandle kweerhafu okanye izigwebo. Nangona kunjalo, unokwenza uhlawule irhafu kunye nezohlwayo ngokurhoxiswa kwemvuzo. Ukulungelelaniswa kokukwazi ukufikelela kwimirhumo yakho yangaphambili ngaphandle kweerhafu okanye izigwebo kwenza iRoth IRA ibe yimoto enkulu yokulondoloza ezinye iinjongo, njengokuthenga indlu okanye ukuhlawula isikolo esikolweni okanye ukugcinwa kweekholeji yabantwana. Nangona i-401 (k) kunye nabasomali-mali be-IRA kufuneka baqalise ukusasazwa kwii-akhawunti kwi-70 1/2 yobudala, akukho mrhumo omncinci ofunekayo ukusuka eRoth kuze kube emva kokufa komnini.
Ngubani ofanelekayo?
Ukuba usebenza kwinkampani enika i-401 (k), umlawuli wakho onoxanduva lomntu unokukunceda ukuba ubone ukufaneleka kwakho. Umda we-IRS wama-401 (k) iminikelo i-$ 18,000 ngonyaka ngonyaka we-2017 (i-$ 24,000 xa uneminyaka engama-50 okanye ngaphezulu).
Ukuba iRoth IRA ifanelekile, ingeniso yakho epheleleyo eguqulwayo ngo-2017 kufuneka ibe ngu-133,000 okanye ngaphantsi kwezinga lakho lokufakela irhafu yengeniso linye, intloko yendlu, okanye utshatile ukutshatyalaliswa ngokwahlukileyo kwaye awuzange uhlale kunye neqabane lakho nanini na ngexesha lonyaka.
Ukuba utshatile ukufakela ngokubambiseneyo ingeniso yakho epheleleyo ehlengahlengisiweyo kufuneka ibe ngu-196,000 okanye ngaphantsi.
Amanye amahlanganisi e-akhawunti yomhlalaphantsi
Ukuba awunayo i-401 (k) ngomsebenzi, unokuba negalelo kwi-IRA yendabuko kunye neRoth IRA kunye ne-Roth I-combo ngokukhawuleza ukuba igalelo lakho elidibeneyo lingadluli i-$ 5,500 yeemali zonyaka ezidibeneyo (i-$ 6,500 iminyaka engama-50 okanye ngaphezulu).
Yenza ingqiqweni yokuba negalelo kwi- IRA yendabuko kunye no-401 (k) kunyaka omnye ngaphandle kokuba unelungelo lokunikela. Iingxelo ezimbini zenzelwe ukwenza into efanayo. Ukwahlukana kuphela kukuba i-IRA inemida engaphantsi kwe-401 (k). Ngo- 2017 , unako ukubeka i-$ 18,000 ukuya kwi-401 (k) (okanye ukuya kuma-24,000 ukuba uneminyaka engama-50 okanye ngaphezulu) kunye ne-5,500 zama-$ kwi-IRA (okanye ukuya kuma-6 500 ayi-contribution). Abatyalomali abanama-401 (k) abazithobeli ngokuzenzekelayo ukuxothwa kwe-IRA ngaphambili.
Ukuba uthatha inxaxheba kwi-401 (k) icebo emsebenzini kwaye ungatshatanga okanye ufake ifayile yokubuyiswa kwentlawulo njengenhloko yendlu unokufumana ilungelo lokunciphisa ngokupheleleyo ukuba i-AGI yakho eguqulelwe ingaphantsi kwama-$ 62,000. Imilinganiselo yexabiso lokunciphisa kunye neengeniso ezihlaziyiweyo (AGI) eziphakathi kwe-$ 62,000 kunye ne-72,000 zamawaka ngo-2017. Abantu abaneengeniso ngaphezu kwe-72,000 zamawaka angeke bakwazi ukufumana igalelo le-IRA elidityanisiweyo.
Izibini ezitshatileyo zifaka ingxelo yentlawulo ehlangeneyo kunye ne-401 (k) okanye isicwangciso esichaphazelekayo emsebenzini, iinqununu ziqala ukuphuma kwii-99,000 zama-dollar kwaye zifakwe kwi-$ 119,000. Kususela kumbono wocwangciso lwezemali kucetyiswa ukuba usebenzise ngokufanelekileyo nayiphi na umrhumo ohambelana nomqeshi kwisicwangciso somhlalaphantsi emsebenzini ngaphambi kokuqwalasela i-IRA.
Ukuba ufumana umvuzo kwi-freelance okanye emsebenzini wesivumelwano, ungabandakanyeka kwisicwangciso-mali somhlala-phantsi, njenge- SEP IRA . Iminikelo ye-SEP ichithwa ngokupheleleyo kwi-25 yeepesenti yemali engenayo yonyaka okanye i-54,000 zamawaka ngo-2017, nokuba ngaba u-401 (k) wokunikela, onokuyibeka ngokuqinisekileyo isilwanyana kwi-bill yakho yerhafu.
Uninzi kangakanani lokunikela kwi- 401k ne-Roth IRA
Ukuba umqeshi wakho uhambelana ne-401 (k) iminikelo, kunengqondo ukuba negalelo ubuncinane kunye nepesenti ezifanayo.
Ipesenti ezipheleleyo ezi-10 ukuya kwe-15 zengeniso engaphambi kweerhafu ngumgaqo omhle wesityhuna sabasetyhini abahlala phantsi. Emva koko, max max ngaphandle kweRoth IRA okanye ubuncinci bebekelwe bucala ngangokunokwenzeka unyaka wonke. Iintlawulo zerhafu ziya kuhlawula, ngakumbi ukuba ulindele ukuba irhafu yakho yokufumana ingeniso iphakame ixesha.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.
Ukuhlaziywa nguScott Spann