A Traditional Traditional IRA Inogona Kuva Inobatsira Kusarura Saving Tool
Inotora Mutero Unobatsira
Kubatsira kwakanyanya kwetsika yeIRA ndeyokuti mumatambudziko akawanda, zvipo zvinowanikwa pamutambo wekare. Izvi zvinoreva kuti kana ukaisa mari muIRA, unogona kutora chikamu ichocho kubva pamutero wako wekutengesa. Izvi zvinoguma mukubhadhara mutero mushoma wemari wegore. Kubva muna 2018, mupiro wepamusoro kune imwe tsika yeIRA i $ 5,500 uye $ 6 500 kana uri nemakore makumi mashanu kana kupfuura.
Mukuwedzera pakugamuchira kukosha kwekukosha kwepamusoro mberi, mari iri munhoroondo inokura mutero-inoderedzwa. Chero ruzivo kana ruzivo rwekutsvaga kubva muzvikwereti hazvibhadharwi kana zviwanikwa zvichiwanikwa. Pane kudaro, vanoderedzwa kusvikira mari inodzingwa kubva kuIRA mukurasikirwa. Panguva ino, inobhadharwa pamutero wako wemihoro. Kana iwe unotarisira kuve mubhaketi shoma shoma apo iwe uchisimuka, izvo zvinoreva kuti iwe uchabhadhara zvishoma pamitero paunenge wakakodzera IRA kuregera .
Ndiani Anogona Kupa KuIra Yemazuva Ano?
Munhu wose ane mari yaanowana anokodzera kuzarura tsika yeIRA, asi kune zvimwe zvipingamupinyi pamusoro pokuti ndiani anogona kukwanisa kupa mipiro.
Kune mitsara yemari inoshandiswa kutarisa kuti zvipo zvezvipo zvakabviswa sei, kana pane zvachose.
Kana iwe ikozvino wakavharwa nepurogiramu yekubatira pabasa kubasa muna 2018, iwe unogona kutora chikamu chako chakakwana chechirongwa cheIRA kana:
- Iwe usina kuroorwa uye yako yakashandurwa yakagadziriswa mari yakawanda inodarika $ 63,000 kana pasi
- Iwe wakaroorana uye uri kutumira kubatana kunodzoka ne MAGI ye $ 101,000 kana pasi
- Iwe wakaroorana uchinyora zvakasiyana, ne MAGI yepasi pe $ 10,000
Paunosvika pamiganhu iyi, kuderedzwa kunotanga kubuda, kuderedza mari yezvipo iwe unogona kutora. Kana iwe usina kuvharwa nepurogiramu yekubatira pabasa uye iwe unoshandisa imwe chete, unogona kutora mupiro wako wose, pasinei nemari yako. Kana iwe usati wafukidzwa nechirongwa chebasa asi wako wako, kukodzwa kwakakwana kunowanika chete kana yako pamwe chete MAGI iri $ 189,000 kana pasi.
Kutora Kudiwa Kunoverengeka Kugoverwa Kunoverengeka Kubva Munharaunda IRA
Chimwe chezvinhu zvinogona kukanganisa zvechizvarwa cheIRA kushandiswa kunomanikidzwa kunofanira kutanga pazera remakore 70 ½. Panguva ino, unotanga kutora zvishoma kugoverwa, zvichienderana nekutarisira kwoupenyu hwako. Kunyange kana iwe usingadi mari yacho, kana iwe usingatori zvishoma zvinoshandiswa kuparadzirwa (RMD) gore roga rega, uchasangana ne50 muzana chirango chemu RMD.
Pamusoro peflip, kuregererwa kunoitwa vasati vava nemakore 59 ½ vari pasi pe10% kubva pakutanga kubvisa chikwereti. Kune dzimwe nzvimbo kunze kwekudzivisa chirango. Somuenzaniso, haungabhadhari chikwereti paunodzinga $ 10 000 yemadhorobha eIRA mari yekutenga imba yekutanga.
Iwe unogona, zvakadaro, uchiripo uchiripa mutero wenguva dzose yekusungirwa pamusana pokusiya.
Ndiyo tsika yeIra Yakakodzera Here?
Kana iwe waunoshandira asingakwanisi kupa chirongwa chekurega basa , kana iwe uri kutsvaga nzira yekuchengetedza zvimwe zvekurasikirwa mushure mekuwedzera ma 401 (k) ako , ipapo tsika yeIRA inogona kuva yakakosha yekuchengetedza mari yekuteresa kurega basa. Ramba uchifunga kuti zvichienderana nokuti iwe wakaroorana here kana kuti iwe kana mudzimai wako akafukidzwa nechirongwa chekurega basa kubasa, iwe unogona kuzviisa pasi pemari yekuwana mari, zvisinei.
A Roth IRA inechimwe chinhu chokufunga. NeRoth, hauna kuwana kubhadhara kwezvipo asi iwe unogona kuita kukodzera kubvisa muhutano 100 muzana musero-pasina. Izvozvo zvinogona kunge zvakakura kana iwe unofunga kuti uri muchengeti wepamusoro wepamusoro mushure mekunge iwe uchirega. Uye, haufaniri kutora zvakaderera zvinoparadzirwa kubva kuRoth IRA pazera remakore 70 1/2.
Iko kunobvumira mari yako kuramba ichikura kusvikira iwe uchida kuishandisa.
Kuyera zvikomborero zvezvenyika uye Roth IRAs zvinogona kukubatsira kusarudza kuti ndeupi anonyanya kufunga sechikamu cherongwa hwako hwekuchengetedza mari.