Kutendeuka kweRoth kwakanaka kana ukapindura hongu kune mamwe emibvunzo iyi
Chero ani zvake anogona kugadzirisa mari yeRA-IRA isati yasvika. Iwe unobhadhara mutero pamutengo waunotendeuka, asi kubvira ipapo kuenda mberi mari inokura musero musina mubhuku raRoth.
Kutendeuka kweRoth kunobatsira zvikuru mumamiriro maviri aya:
- Iwe uri mubhakoni yakaderera mutero ikozvino, uye tarisira iwe uchava mune imwe yepamusoro gare gare apo iwe uchada kubvisa kubva kumakoro ako ekurega.
- Iwe unofunga kuti hauzombofaniri kushandisa chikamu chemari yako yekusasiya uye iwe unoda Roth IRA yako kuti ipfuure pamwe chete nemitero kune vagari venhaka.
Zvibvunze mibvunzo mishanu iri pasi apa kuti ubatsire kuziva kana mamiriro acho ezvinhu achishanda, uye naizvozvo kana Roth kutendeuka kunonzwisisika kwauri.
1. Iwe unobhadhara mitero inopfuura kudarika mari yako gore rino here?
Paunenge uine gore rine zvakawanda zvakabviswa, uye kwete mari yakawanda, iwe unoda kutarisa zvakanyanya kutendeuka zvose, kana chikamu, chetsika yako yeIRA kuenda kuRoth. Iwe unoda kuedza kutarisa mutero kuitira kuti iwe unogona kuenzanisa chiyero chakanaka chemari pakunamatira kwako. Zvinogonawo kuva nechinangwa kutendeuka zvakakwana kuti uzadze zvikamu gumi zvezana uye 15% zvetero kana iwe uchifunga kuti uchava mucheketi yakakwirira gare gare iwe unogona kushandisa mari yeRoth. Sezvauri kutarisa mabheji emitero anoyeuka mupfungwa kuti Roth IRA yakaparadzirwa haisi kuiswa mumutemo unosarudza kuti mari yako yeHindu Security inotengesa sei . Izvi zvinoreva Roth IRAs inogona kupa humwe rubatsiro rwekurega mari iyo inogona kunge isingakurumidze kuonekwa.
Mutambo Roth kutendeuka kuverenga izvo zvinongoratidzira marginal tax rates iye zvino kana gare gare kusatarisa kuratidza huwandu hwemitero yeRoth IRAs. Iwe unofanirwa kushandisa mamiriyoni emakore emitero inoshandiswa uye inowanikwa muSocial Security taxation, maPumisiyamu aMedare, mari inowanikwa mubhadharo yemari, inoda kugoverwa zvishoma nezvimwe zvinhu zvakawanda kuti uone zvechokwadi kana Roth kutendeuka inoshanda kwauri kuti ubatsirwe.
2. Une mari yakakwana kunze kweIRA yako kubhadhara mitero yemari inowanikwa?
Kana iwe ukashandura $ 50,000 kubva kuIRA kuenda kuRoth, iyo $ 50,000 mamwe emari pamutero wako wekudzokera. Pamusoro pemutengo unobatsira we20%, izvo zvaizoguma mune imwezve $ 10 000 yemitero inokweretwa. Iwe hausi kutora kutora kubviswa kwakakura kubva kuIRA yako kuti ubhadhara mutero pamari yakashandurwa kuRoth IRA. Iva nechokwadi chekuti une mari yakakwana mune zvisingabhadhara mari dzekambani dzaungashandisa kubhadhara mutero - uye uzvichengetedze nemari yakakwana yemari . Kana iwe uchidaro, ipapo kutendeuka kwaRoth kunogona kunge kwakakunakira iwe.
3. Uchave nemari yakakwana kubva kune zvisiri zvekuchengetedza mabhuku kuitira kuti akusigire mukurasira?
Kana iwe uine ruzivo rwekuwana mari yakakwana kubva kuzvinhu zvisingabhadhara mari yepasitori yakafanana neimba yekurenda, mushure mekuteresa kwemareji, masangano emumasitrasi, kana zvimwe zvemashoko akadaro, uye zvishoma zvesimba mumabhadharo emagariro evanhu, ipapo iwe unogona kufunga kutendeuka mabhadharo enyu epamberi kuenda kuRoth. Iwe uchadzivisa nguva yemberi yemazuva ano inofanira kugoverwa iyo inogona kukupinza mubhaketi yakakwirira yepamusoro gare gare.
Kana iwe uchida kuwana mari kubva kumabhengi ako epamberi, chirongwa chakarongwa chokushandura IRA mairi kuRoth mumakore emitero yebhasiro yakaderera ingave ichiri kukubatsira.
Muzviitiko zvizhinji iwe unogona kuronga nemaune kutarisira nguva yekutanga ye Social Social benefits apo uchitendeukira kuRoth mumakore iwayo mashoma epfumi asati Social Security inotanga. Kune vazhinji vakasiya mari vanotarisira kuwana mari yekusununguka iyo iri pasi pe $ 90,000, urongwa uhwu hunogona kutungamirira mukuwedzera kwekutevera mushure mekubhadhara mutero.
4. Iwe une zvakakwana zvekutora mari iyo iwe unotarisira iwe haufaniri kuishandisa zvose kuti utsigire mararamiro ako?
Kana uine mari yakawanda mumakosheni ekurega basa; zvakakwana zvokuti iwe haungashandisi zvose zvaunoda, uye kuchinja chikamu iwe hauchazodi kuRoth kuchakubvumira kuti iwe upfuurire chikamu ichocho kune avo vanogona kuwana mari-isina mutero. Chero ani zvake asingabatsiri mudzimai anowana nhaka yeRoth IRA anofanira kutanga kutora kuparadzirwa kunze kwehupenyu hwavo-tarisiro, asi nzira iyo mitemo inoshanda vanogona kutambanudza kusununguka kwemitero kwemakore mazhinji, makore akawanda, zvichibvumira kudyara mukati meRoth kuenderera mberi kuunganidza zvikwereti zvisina mutero.
5. Izvo zvinhu zvako zvichava nenguva yakakwana here, uye iwe uchatengeswa nenzira yaunofungidzira iwe uchakwanisa kubhadhara mari yepamusoro yauchabhadhara mutero?
Muduku iwe uri, nguva yakawanda mari yako mukati meRoth inofanira kukura musero. Asi vatorwa vanogona kubatsirwa neRoths zvakare! Ngatiti iwe unoshandura mari kubva kuRoth kubva pazera remakore makumi matanhatu kusvika kune makumi matanhatu. Mari iyo inogona kuva nemakore makumi maviri kuti iwedzere uye ive chinhu chinokosha chekuwana mari kune mumwe mukadzi anoramba aripo iye zvino achange achinyora pamatare emitero. Nemakore makumi maviri, mari yeRoth inogona kuiswa mari yakawanda, ichivapa mikana yemari mikuru isina mutero. Izvi zvinogona kuwedzera pane kutengesa mitero yauchabhadhara kana iwe uchitendeukira kuRoth - kunyanya kana uchitendeuka mugore umo mari yako inowanikwa. Kana mari yeRoth ine nguva yekukura uye inogona kuiswa mari nekutsamwa inogona kuva chinhu chakasimba chingaita kuti makore ako ekurega basa ave akachengeteka zvikuru.