Indlela le akhawunti yomhlalaphantsi ingakunceda ngayo ukuyigcina
Okokuqala, iziseko: IRA imele "i-akhawunti yomhlalaphantsi ngamnye." Oko kuthetha ukuba igama lithetha ntoni - i- akhawunti yomhlala phantsi umntu (wena).
IRA zimiselwe ngumnini-akhawunti. Oko kuthetha ukuba, kunokuba umqeshi wakho, kufuneka athathe inyathelo lokudala i-IRA.
Uyenza njani loo nto? Nxibelelana nayiphi na inkonzo enkulu yemali-mboleko - njengeVanguard, Schwab, T. Price Price okanye Fidelity. Ngolunye lwale nkampani zinamafom yesicelo e-intanethi ongayigcwalisa ukudala i-IRA.
Ngoko yintoni iRoth IRA? Ukuze uphendule lo mbuzo, ndiza kufuneka ndicacise ukuba imali ngaphakathi kwe-IRA yakho ihlawuliswa njani.
Iimali zisebenza njani kwi-IRA yesintu
Ngokwesiko, abantu banokukhawuleza ukuhlawula irhafu yentlawulo kwimali abayibeke ngaphakathi kwi-IRA yabo. Makhe sicinge ukuba ufumana i-$ 50,000 kwaye ubeka i-$ 5,000 kwi-IRA yakho yesiNtu. Uya kuhlawula irhafu kwi-45,000 yenzuzo engenayo. (Ngenxa yokugcina lo mzekelo kulula, sicinga ukuba awuthathi naliphi na ukuncitshiswa kweerhafu.)
I $ 5,000 ngaphakathi kwi-IRA yakho yesiGala ikhula i-tax-free kulo nyaka. Oko kuthetha ukuba i- capital gain and dividends ziyakwazi ukuzihlanganisela ngaphandle kokuqala ukukhishwa kwerhafu. Oku kukunceda ukwandisa ukuzuza kwakho .
Ekugqibeleni, xa ugqithisela umhlala phantsi kwaye uhoxisa imali kwi-IRA yakho yesiNtu, uya kuhlawula umrhumo werhafu yonke: uza kuhlawula irhafu yengeniso kunye neerhafu zentlawulo yexesha elide.
I-Roth IRA eyahlukileyo neentlawulo
I-Roth IRA ihlawuliswa ngokwahlukileyo. Ukuba ufumana i-$ 50,000 kwaye ubeka i-$ 5,000 kwiRoth IRA yakho, uya kuhlawula irhafu kwi-50,000 yenzuzo engenayo.
Ekubeni, oku kungathi ngathi kuluhlu olubi. Kutheni uhlawula irhafu namhlanje, xa usenokuhlawula iirhafu?
Nasi isizathu esichukumisayo sokuba iRoth IRA ikhulu kakhulu: Awuyi kulihlawula irhafu kuloo mali kwakhona, kungekhona kwintlawulo yakho kunye negalelo.
Ngamanye amazwi, imali ivumelekile ukuba ikhule kwaye ihlanganise irhafu-ntlawulo, kwaye xa uhoxisa loo mali ngomhlalaphantsi, awuyi kuhlawula i-dime kwerhafu, kungekhona nakwezo zizuzo.
Ngaba kufuneka ndikhethe i-IRA yeNdabuko okanye i-Roth IRA?
Xoxa ngongcali wezorhafu oqeqeshiwe malunga neliphi i-akhawunti elungileyo. Njengolawulo oluqhelekileyo lwesigwenga, iRoth IRA iyenzela abantu abaneminyaka engama-20, ama-30 kunye nama-40, abeseneminyaka emininzi emva ukuya kumhlala phantsi.
Eli qela leminyaka liyakwazi ukufumana inzuzo enkulu kwiipotifoliyo zabo, ngoko baya kuncedwa kakhulu kunokuba bangaxolelwa ukuhlawula irhafu kulabo bazuza.
Kwakhona, ukuba ucinga ukuba usekhokhini lorhafu elingaphantsi ngoku kunokuba uza kuba kwixesha elizayo, iRoth IRA ngokuqhelekileyo iyona khetho. Makhe sicinge ukuba njengama-20 ekhulwini okanye i-25 yepesenti yerhafu, kwaye uyakrokraza ukuba kwixesha elizayo, uza kuba ngama-30 ekhulwini okanye kwi-bracket yeerhafu ye-35. Kule meko, ungcono ukutshala imali kwiRoth IRA.
Oko kwathiwa, akunakwenzeka ukuba uqikelele ireyithi yentlawulo kwixesha elizayo, kuba akukho mntu owaziyo imigaqo yeCongress eya kudlula.
Abantu abaninzi banokuzifumana kwi-bracket esezantsi xa bethatha umhlalaphantsi, kuba bafumana imali engaphantsi. Kwakhona, uya kufuna ukudibana neengcali zerhafu ezifanelekileyo ukugqiba ukuba yiyiphi inxaxheba yesenzo esilungele yona.
Ngaba Ndiyakulungele ukuTyala imali kwiRoth IRA?
Akuyena wonke umntu ofanelekileyo ukufaka isandla kwiRoth IRA.
Okokuqala, unokwenza kuphela umrhumo ohlawulelwayo, ohlawulwayo. Oko kuthetha ukuba ukuba awuzange ufumane ipenki kulo nyaka, awukwazi ukwenza igalelo leRoth IRA.
Njengoko sifunde ukuxoxa, omncinci umntu, mhlawumbi baya kuzuza kwiRoth IRA. Ngenxa yoko, abaninzi abazali bazama ukumisa iRoth IRAs kubantwana babo.
Nangona kunjalo, abazali bafumanisa ukuba abakwazi ukusekwa iRoth IRA kubantwana babo ngaphandle kokuba umntwana efumana imali engenayo.
Okwesibini, umvuzo wakho kufuneka ube phantsi komda othile.
Eli nqaku lichaza imida yokufaneleka kunye negalelo.
Kuthiwani Ukuba Sitshatile, Umntu Omnye Wentlawulo?
Ukuba wena kunye neqabane lakho nifaka i-tax return return, nonke unako ukwenza igalelo le-IRA, nokuba ngaba omnye wenu unembuyekezo yokuhlawulwa.
Ngamanye amagama, ukuba ikhaya lakho liqukethe umama osebenzayo kunye nohlala ekhaya, okanye ngokuphambene nanjalo, bobabini abazali banokunikela ngemali kwi-IRA yabo. Akunandaba nokuba yiyiphi iqabane elifumana umvuzo.
Igalelo lakho elidibeneyo - njengesiqabane - asikwazi ukuba ngaphezu kwengeniso ehlawuliswayo echazwe kwi-return tax tax yakho.