Ukuqonda iRoth 401 (k)

Yintoni iRoth 401 (k) Ngaba, Indlela Esebenza ngayo, kwaye Xa Kufuneka Uqwalasele Omnye

I-Roth 401 (k) yi-21 Cent Century, eyenziwe ngokusemthethweni ngo-2006. Yaye inikwe inani elikhulayo labaqeshi ngonyaka ukususela. Kusenokwenzeka ukuba kube yinto ekhethwa kuyo ipakethi yomhlala-phantsi yenkampani yakho. Kodwa njani iRoth 401 (k) eyahlukileyo kwimveli 401 (k)? Kwaye kulungile kuwe? Masifunde.

Yintoni iRoth 401 (k)

I-Roth 401 (k) yinto efana neyona ndlela: kudibanisa ne- 401 (k) kunye ne- Roth IRA .

Njengama-401 (k), anikezelwa ngumqeshi, iminikelo ithathwa kwikhokheji yakho kwaye inokutsalwa imali yokuthatha umhlalaphantsi kwinani lezinto ezikhethiweyo zokukhetha utsalo. NjengaRoth IRA, iminikelo yenziwe emva kwentela (ngokungafani nentlawulo yangaphambili yentlawulo 401 (k) iminikelo) kodwa imali ayihlawulwanga kwakhona, nangona xa ihoxiswa kumhlala phantsi okanye emva kweminyaka yobudala engama-59 ½. (Ndithi "ngokuqhelekileyo" kuba imithetho ye-Roth yokurhoxisa iyancinci. Umzekelo, kufuneka utyalomali iminyaka emihlanu elandelelana ngaphambi kokuba uhoxise imali.)

I-Roth 401 (k) Imida yoNcedo

Imilinganiselo yokuxhaswa kweRoth 401 (k) ifana neyo ye-401 rhoqo (k). Ngo-2018, unako ukufaka isandla kwi $ 18,500 ukuya kwiRoth 401 (k). Ukuba uneminyaka yobudala engama-50 okanye ngaphezulu, unokufaka i-$ 6,000 eyongezelelweyo kunyaka ngamnye. Thelekisa la maqonga kulabo be-Roth IRA: i-$ 5,500 ngonyaka ngonyaka we-2018, kunye ne-$ 1,000 eyongezelelweyo ekubambeni igalelo. Ngaphezulu, kukho izithintelo ezimbalwa zokufaneleka kwiRoth 401 (k).

Roth 403 (b)

Ukuba usebenza engenzi-nzuzo okanye isikolo, usenokuba ubone uRoth 403 (b) kwiminikelo yomhlalaphantsi wakho. Njengokuba i-403 (b) isebenza njenge-401 (k), iRoth 403 (b) isebenza njengeRoth 401 (k). Ngoko unokwenza izigqibo zakho njengawe ukuba unayo iRoth 401 (k).

Izinzuzo zeRoth 401 (k)

Ukuba ucinga ukuba irhafu yakho iya kuba ngaphezulu kumhlalaphantsi kunamhlanje, iRoth 401 (k) yenza ingqiqo eninzi. Uhlawula isamba esezantsi sentlawulo kwimali yakho yotyalo-mali ngoku, kwaye akukho ntlawulo kwixesha elizayo. Abantu abacebileyo abangakufanelekanga kwimveli yeRoth IRA-single abangenayo imali engaguqukanga engaphezulu kwamaRandi 135,000 ngo-2018 ayinakufaneleka, njengoko izibini zifakela ngokubambisana ngaphezu kwama-$ 199,000 ngo-2018-iRoth 401 (k) yindlela enhle ukungena kulolu cwangciso lwerhafu lomhlalaphantsi. Ngokwemveli 401 (k), xa uhoxisa imali kwi-retraite, uza kuhlawula irhafu yentlawulo phakathi kwe-10% kunye no-37% okanye ngaphezulu kuxhomekeke kwibakethi yakho yentela . Awukwazi ukuqikelela ukuba ziphi iirhafu ezijoliswe kwixesha elizayo, kodwa ukuba ukulindele ukuba ube kwi-bracket yerhafu ephakamileyo ngexesha lokuhlala umhlalaphantsi, iRoth 401 (k) ingenza ingqiqo.

Abantu abatsha abangakanyanga kwimisebenzi yabo banokuthi bafumane ukuhlawula irhafu kwixesha elizayo, okwenza iRoth 401 (k) okanye iRoth IRA ibe yindlela enkulu yokugcina kwiirhafu ezizayo. Kodwa ukuba wenza inani elihle le ngeniso ngoku kwaye ulindele ukuba izinga lakho lokurhaxisa kakhulu kwi-retrait, i-401 rhoqo (k) ingaba ibhetele engcono.

Imiba yeRoth 401 (k)

Kodwa phambi kokuba ulahle yonke imali yakho yokugcina umhlala-phantsi kwiRoth 401 (k), qwa lasela i-drawback enkulu xa kuthelekiswa ne-401 (k): iminikelo yentela emva kwentlawulo. Ngokwemveli 401 (k), iminikelo yenziwa yerhafu yokuqala, ngoko akukho nto ifom-dollar kwimpembelelo yakho. I-401 (k) iphinde ikunike indlela enkulu yokunciphisa ingeniso yakho engenayo kunye nomrhumo wakho werhafu yengeniso ngaphandle kokuva ubunzima bezemali. Ukususela kuRoth 401 (k) iminikelo eyenziwa emva kwentlawulo ithathwa, i-paycheck yakho iya kuthatha inkulu. Uyabona umehluko usebenzisa umdabu 401 (k) noRoth 401 (k) wokubala.

I-Rollovers yeRoth 401 (k)

Ngaphandle kohlobo olukhulu lwentela emva kwentela, uRoth 401 (k) umsebenzi omningi ufana no-401 rhoqo (k). Xa ushiya umsebenzi omnye ngomnye, unakho ukukhetha ukugcina iRoth 401 (k) apho ikunye nomqeshi wangaphambili, ukuyihambisa kwisicwangciso somqeshi wakho omtsha ukuba iRoth 401 (k) inikezelwe apho, okanye uyifake kwi-rollover i-Roth IRA, apho uya kuba phantsi kwemigaqo efanayo yokuhoxiswa.

Yintoni Okufanele Uyenze?

Unokufaka isandla kumabini angama-401 (k) kunye ne-Roth 401 (k), kodwa imida yoxanduva i-akhawunti ehlangeneyo. Ngaba kufuneka uhambise ezinye zee-401 zakho (k) iminikelo kwiRoth 401 (k)? Kuya kuxhomekeka kwiimeko zerhafu ezixoxwe ngentla. Kungenzeka ukuba ufune ukuqhubeka kunye nenjongo yokukhupha umrhumo kwi-401 yakho rhoqo (k), kwaye uzenzele iRoth IRA engaxhaswa ngumqeshi. Ukuba awucwangcanga ukunikela ngaphezu kweedola ezingama-5 500 ukuya kwii-6 500 zamaRandi, iRoth IRA ehlala ihlala ikunika inzuzo efanayo eya kuzuza kunye neRoth 401 (k). Ukuba unako ukufaka isandla kuzo zombini iintlobo zeakhawunti yomhlala-phantsi, i- 401 (k) kunye ne-Roth IRA yokudibanisa yenza umqondo omkhulu kwiimali ezingaphezulu kwemali.

Abangaphezulu kwama-50% wabaqeshi amakhulu banikela iRoth 401 (k). Ukuba unomdla wokwenene kwiRoth 401 (k) okukhethwa kukho kwaye umqeshi wakho angakunikeli okwangoku, bacele ukuba bayongeze. Ayenzi buhlungu, kwaye enye enye inketho yokutshala imali engakunceda ukwakhiwa kwexesha elizayo lezemali kumhlalaphantsi.

Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela, kwaye akufanele kube sisiseko sezigqibo zakho zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.