Roth Contribution Limits, Phaseouts Inowanikwa, Vakaroorana Mhuri uye Mamwe
- $ 5,500 kune avo makore 49 uye pasi
- $ 6,500 kune avo vane makore makumi mashanu nekure (kushandisa makore kumucheto wegore rekare)
Iyi miganhu yakangofanana neyavo gore ra2015, 2014 uye 2013. Nemitemo yakakura, ona tafura iri pasi pechinyorwa chino. Kunyange zvazvo mupiro wemari hauna kuchinja kubva kumazinga e2016, mitsara yemari yakashandurwa yakachinja zvishoma.
Yakapiwa Mitemo Yekubhadhara Mipiro ye 2017 kana 2016
Unofanirwa kunge wakawana mari yekuita mupiro weRoth IRA.
Mari yaunowana yaunayo inofanira kuenzana kana kudarika chikamu chemari yako Roth IRA.
- Kana iwe uine mari yakakwana yekuwana mari, kuwedzera kune iwe mupiro wako weRoth IRA, unogona kuita mupiro weRoth IRA kumurume asingashandi.
- Kana uine mari yakawanda, iwe hauna kukodzera kuita Roth IRA mupiro.
Une Mikana Yakanyanya Kuita Kuti Uite Roth Contribution?
- Pamusoro pemafuta asina kukwana - kukwanisa kwako kugovera kuRoth IRA muna 2017 kunobudiswa sezvo shanduko yako yakagadziridzwa mari yakawanda (MAGI) inosvika pakadarika $ 118,000 - $ 133,000.
- Kwegore ra2016, iyi yakareba yaiva $ 117,000 - $ 132,000.
- Nokuda kwekuroorana kwekuroorana pamwe chete - kukwanisa kwako kugovera kuRoth IRA kunobudiswa sezvo MAGI yako inosvika pamabhadharo e $ 186,000 - $ 196,000 muna 2017, kubva muna 2016 muganhu we $ 184,000 - $ 194,000.
Kana iwe uchikodzero yekuita mupiro weRoth IRA wakatarwa nemiganhu yekuwana mari yepamusoro, ipapo iwe unogona kugovera kuRoth IRA kuwedzera kune chirongwa chako chekurasikirwa chekambani.
Kana mari yako inodarika miganhu iri pamusoro apa inogona kukwanisa kupa mupiro wekare weIRA usina kukonzerwa uye gore rinozozoshandura kuRoth IRA.
Roth IRAs inopa mikana yakawanda yakadai sekukwanisa kubvisa zvipo zvako zvepakutanga panguva ipi zvayo usingatungamiri mutero wemari kana zvikwereti.
Uyezve, vanopa zvikomborero zvinokosha kana iwe wapedza basa. Vanhu vazhinji vanofanirwa kuita mupiro weRoth vanofanira kufunga nezvekuita saizvozvo.
Vakaroorana Vakaroorana Vanobvumira
Kana zviwanikwa zvako zviri mumiganhu inorondedzerwa pamusoro apa unogona kuita mupiro weRoth IRA kune mumwe asiri kushanda naye asina mari yaanowana. Iko kunonzi muvakidzani weIRA mupiro .
2016 uye 2017 Contribution Deadlines
- Iwe unosvika panaApril 17th 2017 kuti uite chikamu chako cha2016 Roth IRA.
- Iwe unosvika musi waApril 16th 2018 kuti uite chikamu chako cha2017 Roth IRA.
Mipiro inotarisana nekutendeuka
Mupiro nemiganhu yekuwana mari inotsanangurwa pamusoro apa inoshanda kune zvipo. Paunoshandura tsika yeIRA kuenda kuRoth IRA isingatariswi semupiro - saka Roth kutendeuka kushandiswa hakusi pasi pemiganhu iri pamusoro. Zvaiwanzoitika kuti kana mari yako yaive yakadarika $ 100,000, iwe hauna kukwanisa kuchinja IRA mari kune Roth, asi mutemo wemutero wakashanduka, uye iyo miresi yemari yakabviswa yakabviswa muna 2010. Unogona kutengesa IRA mari kuRoth chero nguva, uye hapana chiremera chakanyanya pamutengo waunogona kutendeuka.
Roth IRAs vs. Kurongwa Roth Maakaunti
A Roth IRA yakasiyana neRoth 401 (k). Roth 401 (k) s inonzi mazita eDaredated Roth uye mitsara yemari inotsanangurwa pamusoro apa haishandisi kuRoth 401 (k) zvipo.
Roth 401 (k) miganhu yemipiro yakafanana neyakawanda 401 (k) miganhu yemipiro. Kana wako waunoshandira achipa 401 (k) nhoroondo, unogona kutarisa neurongwa wehurumende kuti uone kana chirongwa ichi chinopa mipiro yeRoth.
IRA yekare kana Roth IRA?
Haisi chokwadi here kuti iwe ungaita mupiro weIRA wenguva dzose kana mupiro weRoth IRA? Iko tsika yeIra inogona kupa mutero wokubvisa mutero wemari yakapiwa, asi Roth haina. Zvisinei, kana iwe ukabvisa mari kubva kuRitura yeIra, iwe uchabhadhara mitero, asi kuparidzirwa kwakakodzera kubva kuRoth hakubhadhara mutero.
Ko My Roth IRA Inogona Kuwedzera Seyangu Emergency Fund?
Iwe unogona nguva dzose kubvisa mupiro wako mari kubva kuRoth, uye iwe haubhadhara mitero kana zvikwereti paunoita izvi. Zvinoreva kuti Roth IRA inogona kuita basa rakapetwa semari yako inokurumidzira mari.
Mupiro Mitsara uye Mitsara Yekuwana Inyorerwa ku Inflation
Mari iyo iwe unogona kupa, uye mari inoshandiswa pamari, iyo yose inonyorerwa ku inflation, iyo inoreva kuti yakakwirira kuwedzera kwenyika, iyo inowanzoita kuti uone miganhu inokwira.
Muganhu wemiganhu unokwira mumadhora mazana mashanu. Izvo zvikwereti zvekuwana zvinokwira mu $ 1 000 increments. Nhoroondo yemiganhu yakanyorwa muetafura iri pasi apa.
| Gore | Limit | Kana Age 50+ | Single MAGI Chikwereti | Vakaroorana MAGI Chikwereti |
|---|---|---|---|---|
| 2017 | $ 5,500 | $ 6,500 | $ 118,000 - $ 133,000 | $ 186,000 - $ 196,000 |
| 2016 | $ 5,500 | $ 6,500 | $ 117,000 - $ 132,000 | $ 184,000 - $ 194,00 |
| 2015 | $ 5,500 | $ 6,500 | $ 116,000 - $ 132,00 | $ 183,000 - $ 193,000 |
| 2014 | $ 5,500 | $ 6,500 | $ 114,000 - $ 129,000 | $ 181,000 - $ 191,000 |
| 2013 | $ 5,500 | $ 6,500 | $ 112,000 - $ 127,000 | $ 178,000 - $ 180,000 |
| 2012 | $ 5,000 | $ 6,000 | $ 110,000 - $ 125,000 | $ 173,000 - $ 183,000 |
| 2011 | $ 5,000 | $ 6,000 | $ 107,000 - $ 122,000 | $ 169,000 - $ 179,000 |
| 2010 | $ 5,000 | $ 6,000 | $ 105,000 - $ 120,000 | $ 167,000 - $ 176,000 |
| 2009 | $ 5,000 | $ 6,0004 | $ 105,000 - $ 120,000 | $ 167,000 - $ 176,000 |