Indlela Abanikazi Abamashishini Abancinci kunye Nabasomashishini Abangakwazi Ukuphumelela Iipotfoliyo Zabo
Ngelixa lingahle live ludaka, lo mahluko uthetha ukuba iRoth 401 (k) kukuba, kuzo zonke iinjongo kunye neenjongo, enye yeekhefu zokuhlala zerhafu ezize zenziwe kwimbali yaseUnited States. Akukho nto ifike kufuphi kukuvumela ukuba ulahle imali eninzi, uyihlanganise amashumi eminyaka, kwaye uhlala kwimali engenayo ngaphandle kokuba uthumele nantoni na oorhulumente baseburhulumenteni okanye uRhulumente. Abantu abaqeshwe ngabanye kunye nabatshatileyo abasebenzayo ngaphandle kwabasebenzi, ukusekwa okubizwa ngokuba ngu-One-Participant Roth 401 (k) Cwangcisa ", okanye eyaziwa ngokuba yi-Individual Roth 401 (k), ingaba enye ezininzi izixhobo zokwakha izityebi ezingaphezu kweengxaki kwi-arsenal.
Yithini iRoth 401 (k) Cwangcisa?
Kuzo zonke iinjongo kunye neenjongo, i-Individual Roth 401 (k) isicwangciso sifana neRoth 401 (k) isicwangciso esungulwe ishishini ngaphandle kokuba umntu oziqeshwe ngabanye akanayo abasebenzi. Oku kwenza ukuba ukwazi ukuphepha i-hamburg efana nokuthiwa "ukuvavanywa kocalulo", okubandakanya ukubala iifomula ukuqinisekisa ukuba awufuni abaphathi abahlawuliweyo abaphezulu; indawo yokuxubusha, kwaye mhlawumbi umlingane wakho, ngabantu abodwa ababandakanyekayo.
Kuyafaneleka ukuba amadoda asebenza ngokuzimeleyo kunye nabasetyhini abanomsebenzi waso shishini abancinci abangabikho nabasebenzi, benze umsebenzi omkhulu wokuzimela, bavelise ingeniso ekubonisaneni, okanye bathathe inxaxheba kwimisebenzi ephumela kwimali engenayo. Ngokungafani nomncintiswano osondeleyo, i- SEP-IRA , ngamanye amaxesha ibizwa ngokuba yi-Self-Employed 401 (k) "yenza kube lula ukubeka bucala imali emibini emva kweenyanga ezilishumi elinesibini ngenxa yendlela imilinganiselo yokuxhasa kunye nokulingana ibalwa ngayo.
Umzekelo Wendlela iRoth 401 (k) yokuCwangcisa imisebenzi
Ukubonisa ukuba oku kulukhuni kangakanani kubangasomali-mali kunye nabalimi abanomdaka: Ngaphantsi kweemeko ezifanelekileyo, isibini esitshatileyo esinobanjwe ngo-2015 sinokubeka i-$ 106,000 phakathi kwabo babini kulezi zikhokelo zerhafu. Ngenxa yombono, mfanekiso umyeni nomfazi onomdla, abaneminyaka engama-30 ubudala, abasemgangathweni wokunikezelwa kwemali . Baqalisa inkqubo yabo yokuthatha umhlala-phantsi kwaye baxhaswe, bafumana inqanaba elihle lokubuyela kwiimali zabo ngonyaka ngamnye iminyaka engama-35, bengalokothi balahleke i-Individual Roth 401 (k) negalelo. Ukunyanzelisa ngokupheleleyo ukunyuka kwexesha elizayo kwimimiselo yenkxaso kunye nokuthiwa "ukuthatha" iminikelo evumela loo minyaka engama-50 okanye ngaphezulu ukuba ifake imali engaphezulu kunyaka ngamnye, ngelixa behamba iminyaka engama-65, babeza kuhlala I-28,728,583 i-R16. Ngomlinganiselo wokuhlawulela uhla lwe-3%, bazokuqokelela malunga ne-861,857 zama-dollar ngemali-mali ngonyaka. Bangakwazi ukurhoxisa imali leyo, kwaye, phantsi kwemithetho ekhoyo, izinga labo lokurhafisa liza kuba yinto. Unothi. Sithetha malunga ne-71,821 zama-dollar + ngenyanga ngokubanda, okwenkcenkceshe, imali engenayo kwaye akukho nanye eya kwiSebe lezeMali. Ukuba befuna, bangalimaza i-akhawunti yonke kwaye bachithe yonke inqununu, nabo.
(Kakade, kuya kufuneka wenze utshintsho lokunyuka kwamaxabiso ukuqikelela ukulingana kwamandla angama-30 engama-5 kodwa ke kusekhona imali eninzi efika njengama-clockwork.)
Le nkalo-yokwakha-on-steroids isici se-Individual Roth 401 (k) ixhalabile ngamalungu eCongress kunye noMongameli Obama, owayefuna ukubeka imingcele kwibhalansi ye-akhawunti ongayigcina kwi-Roth IRA okanye amanye ama-akhawunti asebekhulile, mhlawumbi uyifake kwi $ 3,000,000 . Intando yezopolitiko ayizange ibe khona ukuyenza, kodwa, kodwa leyo ingatshintshwa ngoko ingozi oyodinga ukuyiqwalasela. Nangona kunjalo, usenokuba ngcono kunokuba ungenayo ukuba awuzange usebenzise i-Individual Roth 401 (k) njengesakhiwo esisemthethweni osibambe ngaso i- chip chip yakho . Ikhekhe lomzekeliso liya kuba lumnandi, yinto nje into enomnandi.
Iimpawu zokuSebenza ezizimeleyo ezifuna ukuseta iRoth 401 (k)
Ngexesha eliqhelekileyo ukhetho olungcono xa ufanelekile, kukho izinto ezimbalwa ezenza i-Individual Roth 401 (k) encinane ngaphantsi kokugqibeleleyo. Ezi ziquka:
- Ukuseka i-Roth 401 (k) isicwangciso sinokuba yimifanekiso yamaphepha yokuqala. Kuyafaneleka.
- I-Individual Roth 401 (k), ngokungafani ne-Roth IRA, idinga ukusabalalisa okugunyazayo xa ufikelela kwiminyaka eyi-70.5 ubudala. Nangona kunjalo, unokukwazi ukugqithisa i-Individual Roth 401 (k) kwiimpahla kwiRoth IRA yakho xa ungasetyenzisiwe, ufikelele ngokukhawuleza oku. Ngokuqinisekileyo akufanele uzame isicwangciso esinjalo ngaphandle kokubonisana neengcali zerhafu ezifanelekileyo ezifanele ukuba zikwazi ukuqinisekisa ngokubhaliweyo ukuba ingahlawulwanga yini na okanye imeko yakho.
- Iintlawulo zerhafu zaseRoth ziza kuphelelwa ngowama-2010 kodwa iCongress yagqiba ukuyandisa kuMthetho woKhuselo lwePensheni ka-2006. Kungenokwenzeka ukuba le nkqubo inokuphela ngolunye usuku kodwa akufanele kuthathe ezininzi izinto ezinokuyithandayo njengamanje I-Individual Roth 401 (k) iscono kunokuba i- akhawunti yesiqhelo, i-vanilla yemali yokuthengisa .
- Akuzona zonke izindlu zemali zentengiso ezinika Individual Roth 401 (k) iimveliso, njengento engenangqiqo njengoko kuzwakala kule mini kunye neminyaka. Ngomzuzu, i-E-Trade kunye neVanguard kodwa uCharles Schwab, enye yezindlu ezinkulu zee-brokerage kwilizwe, akwenzi! Xa ndathetha kummeleli wenkonzo kumthengi ngale nto, abazange banikeze naliphi na isikhokelo sokuba kutheni abaphathi babenganaki ukubonelela ngendawo yokukhusela yengenangqiqo xa abaninzi bathathisana, bengavumi ukuba banenjongo yokwenza njalo esikhathini esizayo. Kwakhona, oku akuyona inkxalabo enzulu ngaphandle kwezinto ezingafaniyo kwiimpahla zakho phakathi kwamaziko ahlukeneyo emali.
- Awukwazi ukutshintsha ingqondo yakho malunga neRoth 401 (k) iminikelo, ukuyihambisa kwimveli yakho yenkcubeko 401 (k) kwaye uthathe ukuncitshiswa kwentela, kamva. Xa sele yenziwe yenziwe. Ingxaki efanelekileyo kwixesha elide, nokuba kunjalo, ngoko ndincoma ukuba ndiyamkele ngaphandle kwesikhalazo esikhulu. Oku akusiyo intlekele.
- Ngaphantsi kweemeko ezininzi, ngamnye u-Roth 401 (k) ucwangcisa ngaphezu kwama-250,000 e-asethi ufuna i-IRS yokufakela kwi-Form 5500-SF yonyaka. Ufumana ifom evela kwiSebe lezeMisebenzi kwaye ngoku, ngamaphepha amathathu kuphela. Ewe, intlungu kodwa ayinomsebenzi omncinci wonyaka ngamnye ufanelekile ukugcina amawaka, okanye iidola, zeedola zentsapho yakho inetyala ezivela kwezandla zezopolitiko eziza kuzichitha?
Kungakhathaliseki ukuba, ndiyathetha ukuba nabani na onokuyisebenzisa ngokunxulumene nale ndawo yokukhusela iirhafu mhlawumbi kufuneka. Ngona buncinci, iqinisekisa ukuba intlanganiso kunye nomcebisi wakho wezentlawulo ezifanelekileyo ukuxoxa ngesihloko ngokucokisekileyo. Imiphumo ngokuphathelele i-dollar yenene kunye neentente zinzulu.