Indlela yokwenza iRoth ne-Pre-Tax 401 (k) isigqibo
Ngaba kufuneka ubeke eceleni bucala kwi-401 yangaphambili yentela (k) okanye iRoth 401 (k) ?
Ukuba uthabatha ixesha ukuqonda umahluko phakathi kokuhlawula kwendabuko kunye neRoth 401 (k) unokunciphisa kakhulu inani lakho lokuhlawula irhafu. Okubaluleke ngakumbi, uya kuthatha isinyathelo esisebenzayo ekucwangciseni umhlalaphantsi wakho.
Hlawula irhafu yakho ngoku okanye emva koko. I-Roth 401 (k) ikuvumela ukuba ube negalelo lentlawulo yerhafu emva kwenyanga yobudala engama-59 ½ ngelixa unayo i-akhawunti ubuncinane iminyaka emi-5. Ukukhetha ukuba kunengqiqo kuwe ukuba ufumane ukugcinwa kwentela ngoku okanye kamva inxalenye enkulu yentlawulo engaphambili ngaphambi kweRoth 401 (k) isigqibo. Nazi ezinye izinto ezibalulekileyo ekujongeni ukuba uzama ukunquma ukuba uncedisa kwiRoth 401 (k) eyenzela wena:
Qinisekisa uhlobo lweSicwangciso soMqeshi wakho
Okokuqala, khangela ukuba umqeshi wakho unika iRoth 401 (k). Oku kungabonakala kungekho-brainer, kodwa iRoth 401 (k) intsha kwaye ayinikezelwa ngabo bonke abaqeshi.
Phantse amaphesenti angama-60 ecebo lomhlalaphantsi omkhulu abaxhasayo ngoku banikezela inketho yeRoth. Abaqeshi abaninzi banikela umrhumo werhafu emva koku- 401 (k) inketho kodwa oku kungahluka kakhulu kwiRoth 401 (k) emva kwentlawulo emva kwentela kwaye akufanele idideke kunye neRoth 401 (k). Ukuba unayo iRoth 401 (k) ifumaneka kwakhona kufuneka uqaphele ukuba i-akhawunti yeRoth inikezela iimpawu ezifanayo njengendabuko yangaphambili yentela 401 (k).
Kwakhona kubalulekile ukuqonda indlela umrhumo wakho owenzela ngayo inkampani (ukuba umqeshi wakho unika umdlalo). Abaqeshi abaninzi banikela inxaxheba ekukhuthazeni ukuthatha inxaxheba kwi-401 (k) icebo ngokusebenzisa imirhumo ehambelanayo. Awufuni ukuphosoka ekukhuliseni u-401 (k) nomdlalo kunye nokuba unenkampani enikezwe umdlalo uya kufumana umdlalo ukuba ukhetha ukuthatha inxaxheba kwiRoth 401 (k). Qhubeka ukhumbula ukuba ukuba uthatha inxaxheba kwiRoth 401 (k) umdlalo wenkampani ngumrhumo wangaphambi kwentela. Iimali ezihambelanayo kunye nokukhula kotyalo-mali lwale nkampani zinikezela ngemali ziya kubalwa njengemali engenayo ngokuqhelekileyo xa uqala ukusabalalisa umhlalaphantsi.
Imveli kunye neRoth 401 (k): Ukuqonda ukuhluka
Imilinganiselo yonyaka yenkxaso yeRoth 401 (k) iyafana neyeyomhla wentlawulo yangaphambili yentlawulo 401 (k). Ngo-2018, unako ukufaka isandla kwi $ 18,500 ukuya kwi-401 (k). Ukuba uneminyaka engama-50 okanye ngaphezulu, unako ukufaka i-$ 6,000 eyongezelelweyo.
Uhlobo oluphambili phakathi kweRoth kunye nemveli yentela yangaphambili yentela 401 (k) yindlela abahlawuliswa ngayo. Njengoko igama lithetha, imveli "yangaphambili irhafu" yoLuntu lwe-401 (k) luza kunciphisa irhafu yakho ngoku. Nangona kunjalo, kuya kufuneka uhlawule irhafu kamva xa uqala ukuthatha imali ngaphandle komhlalaphantsi.
Nge-Roth 401 (k) ubeka eceleni ierola zerhafu emva kokuba zihlawulwe ngoku kodwa iingeniso zerhafu yengeniso ziza emva koko kunye nokurhoxiswa kweerhafu kwezentlawulo ngexesha lokuthatha umhlalaphantsi.
Nantsi inkcazo elula kakhulu yoluhlu oluphambili phakathi kwemveli kunye neRoth 401 (k):
Imveli "engekahlawulwa irhafu" 401 (k) - Uhlawula irhafu yengeniso xa uthatha isabelo
I-Roth 401 (k) - Uhlawula irhafu yengeniso kwiminikelo yakho kwaye unokwenza ukunikezelwa kwentela
Kwakhona kubalulekile ukuqaphela ukufana kunye nokwahlukana phakathi kweRoth 401 (k) kunye neRoth IRA. I-Roth 401 (k) kunye ne-Roth IRAs zombini zinikela ukukhula kweentlawulo zentlawulo-mali. Nangona kunjalo, umda we-Roth IRA ungaphantsi kakhulu kunama-401 (k) (i-$ 5,500 ngonyaka ngonyaka xa kuthelekiswa ne-18,500 zamawaka ngo-2018).
I-Roth IRAs nazo zixhomekeke kwimingcele yembuyekezo.
Ngokomzekelo, ngo-2018 abantu abangabodwa abangenayo imali engaguqukiyo engama-135,000 okanye ngaphezulu angabonakaliyo kwiRoth IRA, njengoko izibini zidibanisa ngokubambisana ne-AGI ye-$ 199,000 okanye ngaphezulu. Ngokungafani neRoth IRAs, ukukwazi kwakho ukufaka isandla kwiRoth 401 (k) akuchaphazelekayo kwinqanaba lakho lemali engenayo ngenxa yokuba iRoth 401 (k) ayithobeli phantsi kwemingeniso yokufumana imali.
Kwenzeka ukuba negalelo kwiiRoth 401 (k) kunye nemveli 401 (k), nje kuphela ukuba iminikelo yakho ehlangeneyo ayidluli iR $ 18,500 (ii-24,500 zamaRandi ukuba uneminyaka engama-50 okanye ngaphezulu) ngo-2018. Uphononongo olutshanje lunqamle iingenelo zokunikela ukudibanisa neengxelo zemveli kunye neRoth.
Ngaba Uya kuNciphisa iNgeniso yakho ehlawuliswayo Unceda ukuba ulungele ezinye iimpazamo zerhafu?
Uninzi lwabantu lufumana uncedo olungenalo uxolo xa uphantsi kwerhafu. Kodwa kubalulekile ukuba ubuncinane ube nolwazi oluyisiseko yerhafu yengeniso yakho. Ukwaziswa kwentela encinci kungenza umehluko omkhulu. Kwiimeko ezininzi isenzo esilula sokunciphisa umvuzo wakho oyingcipheko (AGI) unokukunceda ukwazi ukufumana izikripthi zerhafu kunye nezinye ikhefu zerhafu. Ngokomzekelo, i-credit-savings saver credit ayifumanekanga ukuba i-AGI yakho ingaphezulu kwama-63,000 angama-63,000 kwizibini ezitshatileyo ezifakela ngokubambisana, i-$ 47,250 i-head of home status, kunye ne-$ 31,500 kuzo zonke ezinye iifayile (ezingatshatanga okanye ezitshatileyo nokuzifakela ngokwahlukileyo).
Ukunikela kwi-401 yangaphambili yentlawulo (k) kunokukunceda ukuba ufumane enye yentengo yemboleko ukuba imali yakho engenayo ingaphantsi kwemida. Ukuhlawula ingeniso yakho epheleleyo ehlengahlengisiweyo kunye nokuyinciphisa xa kunokwenzeka, kunokukwenza ukuba uvumeleke kwi-IRA okanye i-Roth IRA.
Ngaba Ufuna ukuhlawula irhafu yentlawulo ngoku okanye kwixesha elizayo?
Uninzi lwethu lufuna ukunciphisa umthwalo wethu werhafu kangangoko kunokwenzeka. Ukuzama ukuhamba ngekhowudi yerhafu yengeniso eyinkimbinkimbi e-US kunokukwenza ukuba iRoth kunye nenkqubo yokwenza isinqumo ngaphambi kokuhlawulwa ibonakale yinkimbinkimbi. Kodwa ukuba uyayiphula kwi-core yonke iya kwehla ukuba ufuna ukuhlawula irhafu ngoku (Roth) okanye ngexesha lokurhoxisa imali (ngaphambi kwentela). Ukugqiba isigqibo esona sikhe siphumelelo sokuba ufuna ukucwangcisa umhlalaphantsi ukucacisa xa ucinga ukuba uya kuba seburhulumenteni ephezulu.
Ukuba usemagqabini okuqala komsebenzi wakho kwaye okwangoku kwinqanaba elinguzantsi lentlawulo yeRoth i-Roth ibonakala ithandeka. Unokungena kwiirhafu zerhafu eyaziwayo namhlanje ezinokuba zingaphantsi kwebhasi yakho yerhafu yengeniso ngexesha lokuthatha umhlalaphantsi xa uzakufuna ukugcinwa kwakho komhlalaphantsi. Nangona kunjalo, ukuba uhlala kwiminyaka yakho yokufumana umhlalaphantsi kwaye usondele kumhlala phantsi, mhlawumbi unika ingqiqo enkulu ekuthathe ikhefu lokuhlawula irhafu namhlanje nge-tax1 401 k). Ngenxa yoko uya kuxhamla ngokuhlawula irhafu yengeniso ngexesha lomhlalaphantsi kunokuba ube ngumvuzo ophezulu kwimali engenayo ngaphambi kokushiya abasebenzi.
Uninzi lwabathathe umhlala-phantsi kweli lizwe liphela kunye nomyinge wokutshintshwa kwengeniso ngexesha lomhlalaphantsi ongaphantsi kwenkcitho yabo ngelixa besebenza. Kodwa ukuba ucinga ukuba ingeniso yakho iya kuba phezulu kumhlalaphantsi, iRoth 401 (k) ingenza ingqiqo. I-Roth 401 (k) iqalisa ukubonakala ngathi yingcamango eqaqambileyo xa unenkxalabo yokuba nokuba ingeniso yakho ayiyi kunyuka kumhlalaphantsi, iirhafu zentlawulo zinokuba ziphezulu.
Ulunge Njani Ukubikezela Ikusasa?
Kungaba nzima ukwenza iRoth kunye no-401 yentlawulo yangaphambili (k) isigqibo xa ireyithi zerhafu yengeniso zizayo ziqinisekile. Esikhundleni sokuthembela kwi-fortune teller okanye uMicki 8 ibhola ukuxela kwangaphambili ukuzama ukuzibuza le mibuzo ukukunceda ukuba wenze isigqibo:
Kungenzeka njani ukuba imali yakho engenayo iya kunyuka phakathi kwamhla kunye nomhlalaphantsi? Xa kuziwa kwiinkcukacha zemali zomntu siqu, asihlali sikulungele ukuqikelela ikusasa . Kunokuba nzima kunzima ukuqikelela ukuba yiyiphi iCongress eya kwenzayo ngamanani emirhafu emashumi ukususela ngoku. Oko kuthethwa, kufuneka ufumane ingeniso yakho ingeniso xa ufuna ukwenza uRoth kunye no-401 (k) isinqumo. Ukuba uneminyaka okanye ikufutshane neminyaka yakho yokufumana imali okwangoku unokufuna ukunamathela kwizithethe zangaphambili zentela 401 (k) iminikelo. Kodwa ukuba ulindele ukunyuka kwengeniso yakho uya kubona ukunyuka kwebhoksi yakho yerhafu yokunyuka. Oku kunokukunqanda kwi-bracket ephezulu kunye nokwenza ikhethi leRoth likhangele ngakumbi.
Ngaba uceba ukwenza umsebenzi ngexesha lomhlalaphantsi? Awuyi kubona nayiphi na inguqu enkulu kwi-bracket yakho yerhafu xa uceba ukusebenzela kwiminyaka yomhlalaphantsi. Isiphumo sokuphela kwalokhu singakugcina kwibakethi efanayo yentela. Ngokuqhelekileyo ukuba ibhakhti yakho yerhafu ifanayo kunye nomhlalaphantsi uza kubona iintlobo ezilinganayo kunye neRoth ngokuthelekiswa no-401 wangaphambili (k). Kule meko, kunokukunceda ukuqwalasela ukugcina imali kwi-akhawunti yeRoth ukuze ugweme ukufumana irhafu yakho yentlawulo ingena kwi-bracket yerhafu ephezulu.
Ziziphi amathuba okuba uza kutsala umhlala-phantsi ngexesha lezinga eliphezulu lokufumana irhafu? Ukuba ukhathazekile ngeentlawulo eziphezulu kwibhodi kweli lizwe ngenxa yesimo semeko yezopolitiko nezoqoqosho ngoku, kufuneka uqikelele ukuya kwiRoth 401 (k). Nangona kunjalo, kubalulekile ukuqaphela ukuba ngenxa yokuba ireyithi zerhafu yengeniso zonyuka kwibhodi, oko akuthethi ukuba intlawulo yakho yerhafu iya kuba phezulu.
Njengoko unako ukuxelela uRoth kunye nentlawulo engaphambili yentlawulo 401 (k) isigqibo sinzima ngakumbi kunokuba sibonakala. Ukukhetha i-akhawunti ebhetele kuwe kuxhomekeke kwiintlobo ezahlukeneyo ezinjengezinto ozilindeleyo malunga neerhafu zerhafu yengeniso kunye nokuba ungakanani ulwahlulo lwentela olufunayo. Khangela le Roth kunye ne-calculator yangaphambili yentela ukuba ungathanda isikhokelo esongezelelweyo xa uthelekisa ukhetho lwakho.