Mibvunzo yakawanda uye mhinduro dzinobata zvidzidzo zveRoth IRA
Iwe unogona kupa mari yakawanda sei kuRoth IRA? Ndeipi iwe unogona kubvisa mari yemitero-isina? Iwe unofanira kuchinja rini tsika yako yeIRA kuRoth IRA? Tsvaga mhinduro pano.
01 Roth IRA Yakasiyana Sei neIra Yemazuva Ano?
IRoth retirement retract yakagadzirirwa kubatsira vanhu vanochengetedza kubhadhara uye kubvisa chero mitero inokweretwa apo mari inodzingwa.
Izvo zvakashata kune Roth ndechokuti iwe haugoni kupa zvakawanda. Pane huwandu hunotenderwa nemupiro wezvipo - uye zvinosuruvarisa, kana mari yako yakakwirira zvakanyanya iwe haugone kuita mupiro weRoth IRA - kunyange iwe ungakwanisa kugovera kuAkaunti yeRoth kuburikidza ne 401 (k) chirongwa chako - uye chero ipi zvayo Iwe unogona kuchinja mutsika yeIRA kuenda kuRoth.
02 Ndiani Anokodzera Kugovera kuRoth uye Unogona Kupa Mupi Wakawanda?
Iwe unofanirwa kuwana mari yekupa mari (kana yakaroora chero bedzi iwe uine mari yakawanda yaunowana iwe unogona kuita mari yekuroorana Roth kunyange kana wako wako asina mari yaanowana.)
Uye kana uine mari yakawandisa, iwe haugoni kupa Roth IRA - kunyange iwe uchiri kukwanisa kupa Roth 401 (k) kana kushandisa Roth kutendeuka.
Mitemo nemiganhu zvinoshandura zvishoma gore negore. Pakuzounganidza pamusoro apa uchawana imwe nyaya inobatanidza zvose zvekupedzisira zveRoth IRA nemiganhu yemipiro uye yakawana mitemo yemari.
03 Roth IRA Inodzingwa Mutero Wakaipa?
Kunze kwekubhadhara mutero-kusina mari: mari inowanikwa muzvikwereti mukati meRoth inogona kubhadharwa kana iwe ukatora kusakwanisa kubvisa. Uye uwandu hwekuti iwe unoshandura kuRoth kubva kurongwa hwepamberi hwekusununguka hunogona kunge uri pasi pemitero kana iwe ukatora mari yacho pakarepo mushure mekutendeuka. Tsvaga zvakananga pachikwata chiri pamusoro.
Uyewo cherechedza - kusiyana nemadzitateguru eIRAs, pasinei nezera, haufaniri kutora kugoverwa kubva kuRoth. Iwe unogona kubva mukambani kuti uwedzere uye uipfuure pamwe chete kune vagari venhaka yako vasingabhadhari.
Kana ukasarudza kutora kugovera musati wava nemakore 59 1/2, kana usati wambova neRoth kwemakore mashanu, tarisa kuregera kunotora mitemo zvakanyatsoona kana uchizobhadhara mutero pane chero chikamu chekubvisa. Kana iwe wakagadzikana kana uchibhadhara mari yekutanga-imba-mutengi mari yaunogona kuve yakakodzera kune imwe nguva kune chero ipi zvayo yakatanga kutora mutero wemhosva.
04 Chii chinonzi Roth Conversion uye Ndinofanira Kuzviita?
Kutendeuka kweRoth kunonzwisisika kune vanhu vakawanda vanoda mari yavo kukura musero-isina. Pakusangana kwepamusoro iwe uchadzidza mibvunzo mishanu yaunofanira kubvunza kuti uone kana kutendeuka kungave kwakanakira iwe.
Mibvunzo iyi shanu ichave yakakosha kana iwe uri kufunga kuongorora kubatsirwa kweRoth kutendeuka iwe pachako. Kana iwe uine mutariri wezvemari kana kuti nyanzvi yemutero kuvimba naye, funga kuva neechipiri chemaziso kaviri chengorora kuverenga kwako.
05 Ndeapi Kusiyana pakati peRoth 401 (k) s, Regular 401 (k) s uye Roth IRAs?
Chinhu chikuru pamusoro peizvi iwe unogona kugovera chikamu kusvika ku 401 (k) mari yekuregererwa kwemari - iyo yakawanda kwazvo kupfuura Roth IRA yakanyanya mupiro wemiganhu.
Kurudzirai vashandi venyu kuti vape sarudzo yeRoth mu 401 (k) hurongwa. Iwe unogona kunyange kupa chikamu kune chetsika deductible 401 (k) uye hafu kuRoth.
Pamusangano unopfuura iwe unogona kuverenga pane kusiyana pakati peRoth 401 (k) nhoroondo, tsika dzekodzero 401 (k) nhoroondo uye Roth IRAs.