Iwe Hausi Nenzira Yokuwana Izvo Zviri Nayo Kubhadhara Mari Yenyaya
Kuti uve wakajeka, Roth IRA ndiyo chinhu chakanakisisa kumusha wakakwana wematero iwe unogona kunge uine ruzivo kana unoshaiwa.
Nokuda kwechikonzero ichi, Congress inonyanya kushanda pamusoro pehuwandu hwemari iwe unogona kuzvipa iyo gore negore; kana vasina kudaro, munhu wose aizotsvaga mari yakawandisa sezvaaikwanisa mune imwe yei goldmines. NeRoth, iwe haubhadhara mitero pane chikamu chako chegoveriti . Iwe haubhadhara mitero pamari yako inowanikwa mari. Iwe haubhadhara mitero pamari yako inowanikwa . Iwe haubhadhara mitero pamari yako.
Izvo zvikomborero chete zvinoita kuti zvive nyore kune Roth IRA kuputsa bhaini rebhaini rebhaini rekwereti , pamwe nekutsvaga 401 (k) zvirongwa (iyo yakakosha zvikuru iyo inowanzo mari inofanirwa inobva kune waunoshandira). Kana zvinhu zvako zvikawana zvakakwana, unokwanisa kutanga kutarisira Roth IRA yako seyonzi inotungamira Roth IRA uye inoshandisa iyo kutenga zvese zvivako zvepaimba kana, mune dzimwe nguva, zviduku zviduku mumabhizimisi ega ega. Inogona kukura pamwe chete newe, pasinei nokuti iwe unoda kuva nekodzero dzehutano hwekambani kana kuumba hotera; pasinei nokuti une $ 1 000 kana $ 100,000,000.
Iwe unogona kutopinda muRoth IRA pasina chikonzero chokutenga imba yako yekutanga kana, pane dzimwe nguva, kubhadhara chirwere chekurapa chinokurumidza. Kana iwe zvachose uchifanira, iwe unogona kubvisa zvipo zvepamusoro zvepakutanga iwe wakazviitira Roth IRA yako pasina kutambura nemitero yakakura uye zvikwereti zvinokonzerwa neChitura IRAs uye 401 (k) zvirongwa.
Chiitiko Chinoenzanisira Nesimba Roth IRA Imba Yerenje Inogona Kuva
Fungidzira uri nemakore 18. Iwe unoronga kushanda kusvikira wava nemakore makumi matanhatu nematanhatu uye wobva wabuda. Unosangana nerudo rwehupenyu hwako kubva kuchikoro chesekondari uye waroora. Vose vaviri munosarudza kuti hamudi kuva mupfumi, asi iwe unoda kuva wakachengeteka. Iwe unonamatira kune rimwe chete, mutemo mumwe chete mubasa rako rose: Pasinei nokuti chii chinoitika, uya gehero kana mvura yakakwirira, kubudirira kana urombo, iwe uchazadza zvizere Roth IRA yako kusvika kumiganhu yemipiro gore rimwe nerimwe. Hazvina mhosva kuti iwe unoda sei mari iyo, hauzombogoni kuibata; panzvimbo pacho, iwe uchazvidzivirira uye uzvibvumira kuti zviwedzere kusina mutero.
Mugore rokutanga, 2013, iwe unogona kunyanya kuisa muRoth IRA yako $ 5,500. Pakati pevamwe vaviri, iyo $ 11,000, kana $ 916 + pamwedzi. Iwe unotenga motokari yakashandiswa panzvimbo yezvitsva, clip coupons, uye pakupedzisira, pfuma yakawanda sezvaunoshandisa nzira yako kukwidza kukwira kwebasa.
Chii chaungatarisira? Kubva pane zvitsva zvakakonzerwa nematokisi ezana remakore apfuura, kuburikidza nemakwenzi emombe uye kutakura misika, achifunga kuti iwe wakadzorera zvikwereti zvako, iwe unogona kuva ne $ 9,591,723 nyore pawakaenda kunotora basa. Kutora yakaenzana yekutengesa kwemazana yatakawana pamusoro pezana remakore rapfuura, zvakare, iyo inosvika kunenge madhora 1 500 000 mune simba razvino rekutenga.
(Yeuka: Iri kutenga simba rinoverenga .)
Zvingava nyore kuchinja iyo $ 1,500,000 mumuganhu wemari inoshandiswa kubva kune $ 50,000 kusvika kune $ 75,000 musero musina mari yemazuva ano. Verenga zvakare zvakare: Mutero usingabhadhari. Iwe haungambofi wakabata mukuru. Iwe unogona kurarama zvakanaka kwehupenyu hwako hwose - kuverenga, mamwe makumi maviri makumi emakore zvichida, uye zvichida kwenguva refu kana sayenzi yezvokurapa ichiri kuramba ichivandudza pamusoro pehafu yezana remakore - uye usambogunzva penny yemukuru. Pane kudaro, pawakafa, mari iri muRoth IRA yako inogona kuiswa mukutenda mari yevana vako nevana vazukuru, kana kupa rupo.
Zvose izvi zvaizoitika kunze kwekuti iwe usati wava muhofisi yekona; pasina kumbova nemafuta emaoko kana jets corporate; asingambogoni kutora lottery kana kutora mhepo inobva kune imwe nyamhuri yakarasika.
Nzira Yokuzarura Sei Roth IRA uye Kutanga Kuisa Kwekurasikirwa
Sezvo Roth IRA iri mufananidzo wekambani - yakafanana nekambani yekuchengetera kana rekwereti yekwereti - inogona kuvhurwa munenge kune chero mutual fund company, stockbroker, kana, pane dzimwe nguva, kunyange bhangi (kunyange zvazvo zvingasarudzwa zvingasara zvitifiketi zvepaiti, izvo zvichida hazvisi nguva yakareba yekugadzirisa maitiro sezvo uine mikana shoma yekurova kutengesa kwezvinhu). Chinhu chikuru chekucherechedza ndeye mari. Iwe haufaniri kunge uchisiya huwandu hwehuwandu hwezvinhu zvako kana kubhadhara mahofisi makuru. Muduku iwe uri, chikuru ichocho mari inodya muhupfumi hwemhuri yako.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.