Nantsi indlela onokubanika ngayo kwii-401 (k) kunye neRoth IRA ngamnye ngonyaka
Ubomi bakho bokuhlala umhlala-phantsi uya kukubulela!
401 (k) Ukulungelelaniswa kunye neziThibelo
Ukuze wenze isandla kwi- 401 (k) isicwangciso , umqeshi wakho kufuneka akunike isicwangciso. Ngokungafani namanye amathuba okucwangcisa umhlalaphantsi , akukho mingcipheko yengeniso ye-401 (k) isicwangciso sokuthatha inxaxheba. Ngoko ke, unokwenza i-$ 500,000 okanye ngaphezulu kwaye ufanelekile ukufaka isandla kwi-401 (k) isicwangciso. Noko ke, kukho imida kwimali ongayinayo ngonyaka.
Isixa esiphezulu semali esivunyelwe ngamnye nyaka sichaphazeleka yimiba yakho kwaye iyahlukahluka unyaka ngamnye ngokusekelwe kwiphakanyiso kwindleko yokuphila-mali (ebonisa izinga lokunyuka kwamaxabiso). Ngokomzekelo, ngo-2017 ubuninzi obunokuba negalelo kwi-401 yakho (k) isicwangciso se-$ 18,000 xa uneminyaka engama-50 kunye ne-24,000 ye-$ nge-6,000 ye-catch-up umnikelo xa uneminyaka engaphezu kwama-50. Gcina ukhumbule i-401 (k) umda wegalelo usekelwe kwiminikelo yakho yangempela.
Naliphi na umrhumo ohambelanayo nomqeshi awunamali kwi-18,000 yemali yonyaka wonyaka werhafu ka-2017.
Iinzuzo zeRoth IRA
I-Roth IRAs inikezela ngeenzuzo ezibalulekileyo zerhafu ngendlela engenayo irhafu engenayo irhafu. Akufanele uhlawule nayiphi irhafu kwimvuzo kwiRoth IRA xa nje unayo i-akhawunti evulekileyo iminyaka emi-5 kwaye ulinde uneminyaka engama-59 / 1/2 ukufumana impatho.
Imali yakho yokuqala yaseRoth IRA (kodwa ingenayo imali) iyakhutshwa kwakhona ngaphandle kweerhafu naliphi ixesha ngaphambi kokuba ufike umhlalaphantsi. Oku kwenza iRoth IRA ibe yindleko enkulu yokulondoloza ezinye iinjongo, njengokuthenga indlu okanye ukuhlawula isikolo se-grad okanye imfundo yekholeji yabantwana. Abanye abantu basebenzise iRoth IRAs njengeplani yokulondoloza kwiimeko zabo zokulondoloza ngokukhawuleza. Enye inzuzo ebalulekileyo kukuba ngeRoth IRA akukho mrhumo efunekayo de emva kokufa komnini. 401 (k) kunye nabatyala-mali bezithethe zengxowa-mali ye-IRA kufuneka baqale ukuthatha isabelo kwii-akhawunti eziqala kwiminyaka engama-70 / 1/2,.
I-Roth IRA Ukufaneleka nokuthintela
Imfuno yokuqala yokufanelekela ukufaka isandla kwiRoth IRA kukuba wena okanye iqabane lakho kufuneka ufumane imali engenayo. Oku kuthetha ukuba kufuneka uhlawulelwe umvuzo okanye unokufumana inzuzo ethile evela kwingqesho. Izicwangciso zeRR IRA zifumaneka ngasese, kungekhona ngabaqeshi, ngoko kufuneka uvula i-akhawunti yakho kunye neziko lebhanki okanye lezemali. Ngokungafani no-401 (k) nokuba ngaba unelungelo lokufaka isandla kunye nemigangatho yakho yenkxaso yemigangatho iya kuqala ngokufumana ingeniso yakho epheleleyo kwaye emva kweminyaka yakho.
Ukuze ukwazi ukufaka isandla kwiRoth IRA ngokuthe ngqo, ingeniso yakho epheleleyo ehlengahlengisiweyo ayikwazi ukudlulela amanqanaba athile axhomekeke kwisimo sakho sokufakela irhafu.
Ngo-2017, abantu baqala ukulahlekelwa amandla abo okufaka isandla kwiRoth IRA kwii-118,000 zamaRandi kunye nethuba lokunika inkxaso ngokuthe ngqo kwiRoth IRA iphela kuma-133,000. Izibini ezitshatileyo ezifakela ngokubambisana zinegalelo lentlawulo eqala kwi-186,000 yeeRandi. Ukukwazi ukufaka isandla kwiRoth IRA iyanyamalala ngokuphindaphindiweyo xa umntu ngamnye okanye ingeniso yenkwenkwezi idlula imali eyi-133 000 kunye ne-196,000 yezigidi, ngokulandelanayo. Ukuba unelungelo lokufumana umda opheleleyo wegalelo ngo-2017, unako negalelo ukuya ku-$ 5,500 xa uneminyaka engaphantsi kwama-50 kunye ne-6,500 yama-$ ukuba uneminyaka engama-50 okanye ngaphezulu (ucinga ukuba imali engenayo yerhafu yonyaka lowo mkhulu kunomlinganiselo owenzayo).
Ngaba Unokuba negalelo kwiRoth IRA kunye ne-401 (k)?
Kubantu abaninzi impendulo yalo mbuzo nguwe ewe! Ngethuba nje xa udibana nenkqubo yokufaneleka yokuzikhethela kokubili i- 401 (k) kunye neRoth IRA , unako ukufaka isandla kubo bobabini.
Akukho nqandelelo apho uthabatha inxaxheba kwenye yezicwangciso zomhlala-phantsi ezimbini kukuthintela ukusindisa kwelinye. Ngoko hamba phambili kwaye ukhulise loo mali yokugcina umhlalaphantsi!