Indlela yokwenza ingqiqo ye-Roth IRA (i-Akhawunti yoMhlala-phantsi ngamnye).
Ngubani omele avule iRoth IRA
I-Roth IRA ikhangeleke ngakumbi
- abo bangakufanelekanga ukufumana i- 401 (k) negalelo lomlingani lomqeshi
- abo banako ukugcina ngaphezulu umhlalaphantsi kunomlinganiselo umlingani wabo ufanisana nawo
Ngethuba lokukhula kancinci lwentlawulo, iRoth IRA yindlela enkulu yokuzimelela ngokwezimali ngokwemhlalaphantsi.
Njani naphi ukuvula i-Roth IRA
Unokuvula i-Roth IRA phantse nayiphi na ibhankini okanye indlu yomrhwebi, nokuba ngumntu okanye kwi-intanethi. Ukuvula i-Roth IRA yinkqubo elula, ngokuqhelekileyo ngoncedo olufumaneka lula. Ngokuqhelekileyo, kukho iifom ezimbalwa nje ukuba uzalise. Khupha inombolo yakho yoKhuseleko loLuntu kunye neenombolo zoKhuseleko loLuntu kunye needesi zabani na abafumana inzuzo kwiakhawunti yakho.
Imali engenayo kunye neRoth IRA
Isixa ovumelekileyo ukuba ufake isandla kwiRoth IRA silinganiselwe kwingeniso yakho eyimali. Imali engenayo efunyenwe iquka umvuzo kunye nokufumana ingqesho, kodwa ayibandakanyi inzala okanye izabelo. Ukuba utshatile, umda wakho wokudibanisa unqunywe kwi-total of your income earned.
Umrhumo weeRim IRAs
Kwiminyaka yerhafu ye-2016 neye-2017, ininzi ongayinayo kwi-Roth IRA i $ 5,500.
Ukuba uneminyaka engama-50 okanye ngaphezulu, unako ukufaka i-$ 6,500. Ukuba ufumene ingeniso, unako ukufaka isandla kwimbini ye- IRA kunye ne-Roth IRA, kodwa ukudibanisa imirhumo yakho ayikwazi ukudlulela i-R5 500 (i-6,500 zamaRandi ukuba i-50 okanye ngaphezulu).
I-Roth IRA Umrhumo wokugqibela
Umrhumo ngamnye weRoth IRA uhambelana nomnyaka othile wekhalenda.
Unokwenza umnikelo ukususela ngoJanuwari 1 waloo nyaka kude kube ngumhla wokugqibela wokubuyisela irhafu yakho. Abo banqwenela ukwenza umnikelo we-R6 I-Roth IRA banokwenza njalo ukususela ngoJanuwari 1, 2016 ukuya ku-Apreli 18, 2017. Umhla wokugqibela we-Roth IRA iminikelo yonyaka werhafu ka-2017 ngo-Apreli 17, 2018. Igalelo le-5,500 lemali kanye kanye; unokwenza umnikelo omncinci omncinci, nje kuphela ukuba umrhumo opheleleyo ungadlula i-$ 5,500.
Akukho Ukukhishwa kweRhafu kwiRoth IRA
Akukho ncitshulwa yerhafu efumanekayo kwigalelo leRoth IRA. (Abantu abaninzi bafumana ukuncitshiswa kweerhafu kwimirhumo yabo yemveli ye-IRA , nangona kunjalo.)
I-Roth IRA Iminikelo iyakulungelelaniswa neNgxowa-mali yokuThatha imali
Nangona ukuxothwa kweerhafu ezingenakwenzeka kungenakwenzeka kwiminikelo yeRoth, abanye abakhokhi berhafu bafanelekile kwi-Retirement Savors Credit ejoliswe kwingeniso yabo epheleleyo. Le nto inokukhuthaza inkokhelo yerhafu inika abahlawuli berhafu abaphantsi nabangaphakathi-mali ukunyusa imali yabo yokugcina umhlalaphantsi nokunciphisa irhafu endleleni. Ngolwazi olungaphezulu malunga nokunciphisa umvuzo we- Retirement Savers Credit ngo-2017 khangela eso sixhobo .
Ukufumana ukukhula kweRhafu I-Roth IRA
Imali oyifaka kuyo kwiRoth IRA ikhula ihlawula irhafu.
Akufanele uhlawule nayiphi na irhafu kwimali kwi-akhawunti. Enyanisweni, awuyi kubika ingeniso kwi-IRS. Ngaphandle kokuthatha umhlalaphantsi, xa uqala ukufikelela kwimali yakho yeRoth IRA, awukweleta irhafu kwi-distribution. Ukuba uthatha imali yakho yeRoth IRA ngaphambi kokuthatha umhlalaphantsi, kunjalo, irhafu ingahlawulwa.
Iimali zeMali kunye neRoth IRAs
Ukulungelelanisa ukufaka isandla kwiRoth IRA inqatshelwe lizinga lakho lokufakela kunye neengeniso ezipheleleyo ezilungisiweyo . I- Roth IRA ingeniso yempembelelo yonyaka ngamnye. Ngomnyaka werhafu ka-2017, abafaki-fayile abangabodwa banakho ukufaka isandla kwiRoth IRA ngo-2017 ogqitywa xa kulungiswe imali engeniso epheleleyo (MAGI) ifinyelela kwi-118,000-$ 133,000. Ukuba utshatile ukudibanisa ngokubambisana, ukukwazi kwakho ukufaka isandla kwi-Roth IRA kuphakanyisiwe njengoko i-MAGI yakho ifinyelela kwi-186,000 ukuya kwii-196,000 zama-$ 196,000 ngo-2017.
Akukho Mrhumo ofunekayo kwiRoth IRAs
Ngokungafani no- 401 (k) izicwangciso kunye ne-IRAs yendabuko, akukho minyaka apho kufuneka uqale ukuhambisa imali kwiRoth IRA yakho. Ngenxa yoko, iRoth IRAs iyisisombululo esihle kakhulu sokudlula ubutyebi kubantwana bakho okanye kubazukulu.