IRA inomiririra Imwe Chikamu Chekurega Mari
Kugovera kune IRA ndezvekuisa mari kunze kwehupenyu hwako munguva yemberi kuitira kuti uve nemari yekudzoka shure apo iwe uchisimuka.
Mari yaunoisa mukati meIRA ine kubhadhara mitero pamusoro pemari yaunoisa mubhengi rebhangi kana rekutsvaga mari.
IRA iInvestment?
Vanhu vanowanzobvunza kubatsirwa kwatingawana kuwana mari yakaisvonaka yeIRA , asi IRA haisi yekutsvaga.
Icho chimiro chekambani. Muchikamu ichocho unogona kuisa mumhando dzakasiyana siyana dzezvinhu.
Iwe unogona kuzarura nhoroondo yeIRA kubhangi, kambani yebhizimisi, mutual fund kambani, kambani ye inshuwarisi uye kune mamwe marudzi akasiyana-siyana emasangano emari. Iwe unogona kushandisa mari yaunoisa muIRA yako kuti uise mari muCD, hurumende yehurumende, mutengo wemari, mashizha, uye inenge ipi zvimwe rudzi rwekutsvaga kwemari iwe unogona kufunga.
Kune miviri miviri mikuru yeIRAs:
- Traditional IRAs
- Roth IRAs
Izvo zvikamu zviviri zviri pamusoro zvinoreva mitemo yemitero inodzora rudzi rweIRA.
- Sechikamu chiduku cheChechi yeIras, unogona kuva usina kuderedza, mitezo yeIRA yakaroorwa, SEP IRAS uye SIMPLE IRAs.
- Sechikamu chiduku cheRoth IRAs unogona kuva nemari yeRRA yokuroorana nayo yeRRA. Panewo Roth 401 (k) chisarudzo chinonzi Dheeded Roth account.
Chii chinonzi IRA Traditional?
Iras yemaitiro yakaiswa neCongress muna 1974 kuburikidza neHakozi reRetirement Income Security Act senzira yekukurudzira vanhu kuchengetedza kubhadhara basa nekupa mishonga yakabhadhara yemari yemari yaunoisa muIRAs.
Mutero weTsika yeIra
Mipiro kune imwe tsika yeIra inogona kuva mutero inobviswa kana iwe ukasangana nezvimwe zvinokodzera kudiwa . Kana iwe usingakodzeri kuita mutero-deductible IRA mupiro iwe unogona kunge uchiripa mupiro weIRA usina kukonzerwa .
Iwe unofanirwa kuwana mari yekupa mari kune rumwe rudzi rweIRA - pamwe chete.
Kana iwe wakaroorana chero bedzi iwe uine mari yakakwana yekuwana mari iwe unogona kuita kuti murume nemudzimai weIRA vagare pamwe chete kana vasina mari yakawanikwa.
Tsika dzeIra Zvekare Mashoko
- Mari mukati meIRA kukura mutero wakadzorerwa . Izvi zvinoreva kuti iwe haubhadhara mitero yemari pamubhadharo, zvikamu uye mari inowanikwa kusvikira panguva iyo iwe paunotora kubvisa.
- Pane chirango chakakonzerwa kare kare IRA kuregererwa kunova kurega kunoitika musati makore 59 ½.
- Iwe unotanga kutora kutengesa kudhesa kugoverwa nemakore 70 ½.
Roth IRA chii?
Roth IRAs rudzi rutsva rweIRA rwakatangwa kuburikidza neMutero Wekubhadhara Relief Act ra 1997. Roth IRAs ine mitemo yakasiyana yemitero kunze kweChechi yeIras.
Mutero weRoth IRA
Mipiro kune Roth IRA haisi mutero inobviswa, asi mari mukati meRoth IRA inokura mubhadharo. Izvi zvinoreva kuti hauzomboregi kubhadhara mitero kune chikwereti, zvikamu uye mari inowanikwa pamari inowanikwa mukati meRoth IRA chero bedzi iwe uchitevera mitemo yeRoth IRA yokuregererwa .
Roth IRA Quick Facts
- Mari mukati meRoth IRA kukura mubhadharo. Izvi zvinoreva kuti iwe haubhadhara mitero yemari pamubhadharo, zvikwereti uye mari inowanikwa yakawanda-nguva dzose (uchifunga kuti iwe unotevera mitemo).
- Iwe unogona kubvisa mari yakapiwa kuRoth yakadzoka kunze uye pasina mutero wemitero yakakodzerwa. Izvi zvinoreva Roth IRA inogona kupetwa kaviri semari yako yekukurumidzira.
- Roth IRAs haibatsiri kugoverwa kwakaderera chero ipi zvayo.
- Iwe unogona kutora Traditional IRA kuenda kuRoth . Cherechedza: mitemo yekutendeuka yakasiyana nemitemo yemipiro.
IRAs Yevanhu Vanozvishanda Kana Kuti Bhizimisi Varidzi
Kana iwe uine bhizinesi kana kuti uchishanda semunhu akashanda akazvimiririra oga iwe unogona kukodzera kuisa iyo SEP IRA (yakanakisisa kune avo vasina vashandi) kana SIMPLE IRA (iyo inogona kushanda zviri nani kana une vashandi.)
Zvimwe zvezvirongwa zviri pamusoro zvinogona kukubvumira kuita mupiro mukuru pane zvaunogona kuita kune tsika kana Roth IRA.