Kukurukurirana kwezvinhu zvinokosha zvezvirongwa zvekurega basa
Kudzidza nezvenzira yekugadzirira kubvisa basa haufaniri kunzwa sokunge uchidzidza mumwe mutauro. Zvirongwa zviri nyore kunzwisisa kupfuura iwe unogona kufunga, kana iwe uchiziva zvidzidzo. Tanga nematanhatu aya ezvakakosha ebasa rekusununguka.
01 Mumwe Nomubhadharo Wemari
IRA inyaya yekutsvaga. Kana mari yacho yaiswa mukati, unogona kuisa mumatokisi , zvisungo , mutual funds , ETFs , uye mamwe marudzi emari. Unogona kutenga uye kutengesa mazai mukati meIRA, asi kana ukaedza kutenga mari yako yose musati wasvika makore 59 ½ (unozivikanwa sekuparidzirwa kwekutanga), iwe unogona kunge uchibhadhara chikwereti chepakati pe 10 muzana uye unogona kutungamirirwa ne federal, state uye mitero yemunharaunda yomunharaunda.
Kuti uwane mamwe ruzivo pamusoro pemiganhu yeIRA yemiganhu yegore ra2018 yekutere, chengeta izvi.
02 Roth IRAs
Kusiyana neIRA yenguva dzose, mibairo yeRoth IRA inogadzirwa mushure mekuteresa, asi mari ipi zvayo inowanikwa mukati meRoth haina kumbobhadharwa zvakare zvakare. Chikamu chakanakisisa: iwe unogona kutora mitoo yako yawakaita kuRoth IRA musati wambosiya basa rekusununguka pasina chirango. Kana iwe uchingotanga kunze uye uchifunga kuti mari yako ichakura, kuisa mari muRoth inzvimbo yakanaka yekuisa mari yakawanda-apo uchipa iwe pachako iwe pachako unoshamisa musangano wekupera.
03 401 (k) Zvirongwa
A 401 (k) ibhuku rekushanda kwemabasa, rakapiwa sevashandi vanobatsirwa. Iyi nhoroondo inokubvumira kugovera chikamu chemari yako yekare isati yabhadhara mubhadharo rekutsvaga kweteresi.
Chimwe chezvikomborero zvekupa mari isati yakabhadharwa ndeyekuti inoderedza mutengo wemari yako mitero inowanikwa (Kana iwe ukawana $ 75,000 uye wopa $ 10 000, iwe unobhadharwa kune $ 65,000 mari). Uyezve, mune 401 (k), kubudirira kwekutsvaga kwekutsvaga kwekutsvaga kwekutsvaga kuwedzera mutero kunoderedzwa kusvikira kusara. Kana iwe ukabvisa mari kubva pane urongwa usati waita basa remakore, iwe unogona kubhadhara chikamu chezana kubva muzana uye uzviise pasi pehurumende, uye zvichida kunyange mamiriro emunharaunda nemunharaunda . Zvisinei, vamwe vashandi vanopa 401 (k) zvikwereti .
Vashandirwi vakawanda vanofananidza zvipo zvevashandi kune 401 (k) , kazhinji kusvika kusvika 6 kubva muzana (kunyange zvingave "zvigadzirisa" kumari yakazara kwemakore emakore). Kana iwe usisi kuwedzera kune imwe kambani yemakambani, ungangodaro usina hanya nebasa rinokosha ravashandi.
Kusiyana kwerudzi urwu rwekinyorwa kunosanganisira 403 (b) , nhoroondo yakafanana inopiwa kuvadzidzisi nevashandi vasina ruzivo; uye 457 (b) chirongwa , chakapiwa kuvashandi vehurumende.
04 Roth 401 (k)
A Roth 401 (k) inosanganisira zvinhu zveRoth IRA uye 401 (k) . Icho chimiro chekambani inopiwa kuburikidza nevashandi (uye nokuti iri zvitsva, havasi vashandi vose vanovapa), asi zvipo zvinouya kubva pamutero wako wekutevera mushure mekubhadhara iwe mari isati yatere. Kana mamwe mitemo yakasangana, zvipo uye mari muRoth hazvikwanisi kutere zvakare zvakare.
05 SIMPLE IRA
Zvimwe zvisingazivikanwi seAkuchengetedza Kubatsira Vashandi veVashandi IRA, SIMPLE IRA chirongwa chokubvisa mari michini duku inogona kupa vashandi. Kana uine SIMPLE IRA , unoziva kuti inoshanda zvikuru se 401 (k). Mipiro inogadzirwa kubva pamubhadharo wekubhadhara mutero usati watanga, uye mari inokura mutero inoderedzwa kusvikira kusara.
06 SEP IRA
Kana iwe uri wekushanda uye usina munhu anokushandira iwe, SEP IRA ichakubvumira kupa chikamu chemari yako mubhadharo yako yekubvisa mari , uye uchibvisa zvachose kubva pamitero yako yaunowana. Zvose zvinowanikwa pamiganhu yegore negore zvakapfuura kupfuura mamwe akawanda emitero-inofarira kubhadhara mabhuku.
Sezvo iwe uchikura mubasa rako, unogona kuunganidza zvakasiyana-siyana zvezvirongwa zvekurega basa uye kuguma nemumwe kana kupfuura kana imwe yezvirongwa izvi. Semuenzaniso, Rollover IRA inorudzi rwekambani inokubvumira kuti musimbise 401 (k) nhoroondo kubva kune vekare vashandi. Iwe unogonawo kutora 401 (k) kana kuti IRA iripo kuRoth IRA , kuripa mutero nhasi uye usambobhadhara zvakare.
Kana uchitanga kuchengetedza basa rekurega basa, 401 (k) yevashandi ndiro nzvimbo yekutanga yekutsvaga kuwedzera kwemitero , asi Roth IRA inzvimbo yakaisvonaka yekuisa mari yakawanda yauri kuchengetedza kumushandirapamwe kana zvimwe zviitiko zveupenyu. Yeuka zvipo zvakagadzirwa kuRoth IRA zvinogona kubviswa pasina chirango chisati chasara, uye hachikwanisi kubhadhara mushure mekuregererwa. Ichi ndicho chikonzero 401 (k) uye Roth IRA inobatana zvakanaka .