Nceda Imithombo Yengomso Yakha Impahla Yentlawulo-Ikhululekile ngeRoth IRA
Ukuba ufuna ukukunceda umntwana wakho aphumelele isakhiwo sobutyebi, enye indlela ongayenza ngayo ngokuvula i- Roth IRA yabantwana.
Kukho iingxaki ezimbalwa oza kufuneka usebenze ukuze uzikhuphe ngokuphumelelayo, kodwa zifanelekile. Kwimizuzu embalwa ezayo, ndiza kuchaza izizathu onokufuna ukucinga ngazo iRoth IRA yabantwana, kwaye ungayithucula njani imingcipheko yakho yokuguqula ngokuyimpumelelo ngemashini yemali, ukukhupha iingubo ezinkulu zezabelo, inzala kunye Imali ngexesha lakho umntwana ehlala phantsi.
I-Advantage enkulu ye-Roth IRA yabantwana Ixesha
Kutheni kukho umntu onokukhathaza ukuvula iRoth IRA yabantwana? Ixesha. Ngokukodwa, amandla okuhlanganisa . Eyona mpu melelo, kulula ukuba ulungele inzuzo yentsapho yakho.
Khawucinge ukuba ungumveki wamazinyo ophumelelayo. Unquma ukuvula i-Roth IRA ngonyana wakho okanye intombi yakho, kwaye unganise i-$ 500 ngenyanga. Usebenzisa le mali utyalomali kwi -indekisi yexabiso eliphantsi ebiza izibuko zeDow Jones Industrial Average okanye i-S & P 500. Ubuyisela kwakhona zonke izabelo zakho .
Xa umntanakho ephendukela kwishumi elinesibhozo, unamthatha ukuthatha uxanduva lwezimali. Ukongezelela, cinga ukuba ingxelo ikhula ngezinga elifanayo la manqaku ayenayo kwixesha elidlulileyo okanye ngaphezulu. Awunakongezi igalelo lakho ukuze uhambisane nexabiso lentengo .
Ngethuba lexeshana le-kid elifikelele kumhlalaphantsi, okanye iminyaka engama-65 ubudala, ukuba iRoth IRA iya kuba neerandi ezingama-29,362,244 kuyo.
Ukuba babelinde de kube lixesha lika- Warren Buffett , oneminyaka engama-82 ubudala oye wahlanganisa enye yeenzuzo ezinkulu kwiimbali ngokubambisa inkampani iBerkshire Hathaway, iRoth IRA iya kuba ne-$ 148,653,856.
Ukuba umntwana wakho wabe esetyala yonke into e- blue chip stocks ngeentengo ezilungileyo zezabelo, uza kuvelisa phantse i-$ 6,000,000 ngonyaka, okanye i-$ 500,000 ngenyanga, ngenkokhelo yemali. Akukho ntlawulo enye kwiirhafu ezingeniso.
Kutheni Abantu Bengazithathi Ixabiso Lexesha Lemali kunye neRoth IRA yabantwana
Isizathu esona sizathu esiphezulu abantu abahluleki ukuxhamla amandla anqabileyo enzala yomhlaba , owona u-Albert Einstein obizwa ngokuba ngumntu onamandla kunayo yonke indawo, ukungabikho kolwazi. Umyinge oyingqingqele akakwaziyo ukugcina imali engama-6,000 kwi-minyaka engama-82, okanye i-$ 492,000 kwi-totali, unokukhokelela kwintlawulo eyi-$ 150 yezigidi . Ayiqondi indlela onokufumana ngayo inzala kumdla wakho okanye izabelo kwizabelo zakho. Akufundiswa ezikolweni. Akunakunqandwa ngokusesikweni kwiicawa. Akusasazwa kumabonwakude. Kubonakala kukukhathaza, de uze uqaphele ukuba yiyitikiti yegolide ekwazi ukuvula yonke iminyango kunye nokuvula amathuba avulekileyo angayi kuba ngaphaya kwentsapho yakho.
Konke okufunekayo kukubona kwangaphambili kwakho, umzali. Ndiyabulela kuwe, umntwana wakho akafanele abe nexhala malunga noorhulumente okhuseleko lweNtlalo. Akufanele bamele bakhathazeke ngokutya ukutya kwekati okanye kungabikho ukushisa. Akufanele nanini bakhathazeke ngokuxoshwa kwikhaya labo, elifutshane kwintlekele eyintlekele njengobungozi beziyobisi, ingxaki yezempilo okanye ingxaki yokugembula.
Kukho enye inokwenzeka Ukuba ufuna ukuvula i-Roth IRA yabantwana
Umngeni omkhulu oza kuhlangabezana nawo xa uvula i-Roth IRA yabantwana kukuba umntwana wakho kufuneka abe nemali engenayo. Oko kukuthi, ukuba bayagcina i-$ 6,000 ngonyaka, ukugqithisa okwangoku kungowoku-2012 kwabo bangaphantsi kweminyaka engama-50 ubudala, loo mali ayikwazi ukuba isipho. Kufuneka bavelise njengengeniso, bafake irhafu yerhafu, kunye neerhafu zerhafu ezihlawulwe kuyo.
Oku kungabonakala ngathi yingxaki kwiintsana ezili-9 ubudala kodwa akukho nto ingenakuthenjwa njengokuba ucinga. Ukuba wena okanye ilungu lentsapho uneshishini, qeshisa umntwana ukuba enze kwiintengiso, ukuba avele ekukhutshweni kweentengiso, okanye kwiibhodi zebhanki. Iyintoni indleko ehlawulwa yerhafu kuwe kuba yimali engenayo kubo, ihlawuliswe ngezinga eliphantsi kakhulu, kwaye liyinkunzi abangayifaka ecaleni kwiRoth IRA yabo. Xa bafumana umncinane, baqeshe ukuba benze imisebenzi okanye bawutye umtshini. Xa bekhulile, bavumele ukuba bafumane umsebenzi wabo wokuqala. Baya kubeka i-paycheck yabo yonke kwiRoth IRA kwaye ubenokubanika imali yokufumana imali elinganayo nantoni na yabo yokuhlawula.