Iko Scoop paRoth Iras - Inobhadhara Mutero-Usina Here Kana Kuti Kwete?

Roth IRA Inoregerei Mutero Wakaipa?

Pasi pane sarudzo yakajeka yemitemo yaunogona kushandisa kuti uone kana Roth IRA yako kubviswa hakuzobhadhara mutero kana kwete.

Iro Roth IRA Kubhadhara Mutero-Usina?

1. Hungu, kana iwe ukabvisa mhindu yemari yako yepakutanga, pasinei nezera rako.
2. Hungu, kana iwe uine makore makumi mashanu nemashanu kana kupfuura uye wakambova neRoth yako kwemakore mashanu kana kupfuura (sekuenzaniswa kubva pakutanga kwegore kwawakatanga kugadzirisa uye wakapawo muRoth yako).

1. Iwe uri pasi pezera remakore makumi mashanu nemakumi matatu nemashanu uye wakave neRoth IRA yako kwemakore mashanu kana kupfuura, asi uri kutora kugoverwa nokuti iwe wakagadzikana, iwe ndiwe unobhadhara nhaka yeRoth, kana iwe unosangana nechimwechete nokuti kugoverwa kuri kushandiswa kutenga kana dzovakazve imba yekutanga sezvinotsanangurwa mu IRS Publication 590-B, Chikamu Chekuparadzira, Chikamu Chekunyoresa.

Roth IRA Inoregerei Kutengesa?

Yako Roth IRA inobvisa mari inogona kubhadhara kana:

• Iwe hauna kusangana nekutonga kwemakore mashanu ekuzarura Roth uye iwe uri pasi pemakore ekuberekwa 59 ½ : Uchabhadhara mitero yemari uye 10% yemutero wekutengesa pamari inowanikwa. Chikwereti che10% chinogona kuregererwa kana iwe ukasangana nechimwe chemasere masere kunze kwekutanga kutora mutero wekutengesa .
• Iwe hauna kusangana nekutonga kwemakore mashanu asi iwe uri nemakore ekuberekwa 59 ½ : Mibairo inobviswa ichabatanidzwa semari inoshandiswa uye ichienderana nebhadharo yemari asi haizotarisirwi nekutora mutengo we10%.
• Iwe wakasangana nekutonga kwemakore mashanu asi hausati wava 59 ½ : Mibairo inobviswa ichaonekwa semari inowanikwa uye inotarirwa nemitero yemari uye mutero we10% wechibharo. Chirango che10% chinogona kuregererwa kana ukasangana nechimwe chezvisizvo zvakarongwa papeji 64 ye IRS Publication 590.

Chikamu chiri pamusoro apa chinotaura nezvekuwana mari . Zvipo hazvina kufanana nemipiro kana kutendeuka. Paunotora kubva kuRoth IRAs, kuregererwa kwako kunofungidzirwa kuti kunowanikwa mune imwe nzvimbo yakatarisana nechepamusoro pepi chikamu chokubvisa kwacho mitsva, kutendeuka kana kuwanikwa. Heino nzira iyo inoshanda:

Mipiro inogara iripo inobviswa pakutanga . Izvi zvinouya pasina mutero-zvisinei pasinei nemakore kana urefu hwepanguva kubva pawakavhura Roth.

Kutendeuka uye rollover inowanikwa kune imwe yekutanga, kutanga kwekutanga . Chikamu chekubhadhara chaunofanira kuisa mumari yakawanda nekuda kwekutendeuka kwekutanga, kwete chikwereti chikamu chekutendeuka / rollover inowedzera. Kutendeuka kana rollover mari iyo inobva yadzorerwa inogona kuiswa pasi pekutengesa 10% yemutero. Iri urongwa hunotarisirwa kuchengetedza vanhu vane makore makumi matanhatu nemakumi matatu nemashanu kubva pakubata IRA nguva dzose, vachichinjira kuRoth, uye gore rakatevera rinotora kugoverwa, nokudaro kukanganisa tsika dzekare dzeIRA dzinotora mutero wechibharo .

Kuti udzivise izvi, kana iwe ukashandura mari kuenda kuRoth, gore rinotora makore mashanu rinotanga uye chero zviyero zvaunofanira kuisa mumaripo panguva yekutendeuka kunotorerwa musati wapera gore rema mashanu, uri pasi pe 10% mutero wekutengesa. Iyi chirango che10% haisi kushandiswa pakuparidzirwa kubva kuRoth kutendeuka kunoitika pazera remakore 59 ½ kana shure.

Zvipo pamipiro. Mitsva yemipiro inodzingwa inoshandiswa pamitero yebhadharo uye mutero wekutengesa 10% kunze kwekuti iwe uwane zvigadziriswa pasi pechikamu 2 kana 3 mune chikamu chiri pamusoro.

Mienzaniso

Pasi pane mienzaniso mishomanana kukuratidza kuti ungashandisa sei mitemo iyi.

Sally

Sally ari 58. Anomutanga wekutanga Roth uye anopa $ 6,000 uye anotendeuka $ 50,000 kubva kuChechi yeIra kusvika kuRoth IRA. Makore maviri gare gare, Sally anosvika makore makumi matanhatu neRoth IRA inokwana $ 60,000. Anokanda iyo yose kuti atenge motokari yemusha.

Sally haabhadhara mutero paari $ 6,000 yemipiro uye haibhadhara mutero wemutero kana 10% mutero wekutengesa paari $ 50,000 kubva pakushandurwa nokuti akatobhadhara mutero panguva yaakashandura uye asina chirango sezvo ava nemakore ekuberekwa 59 ½. Anongobhadhara mutero wemari pamari ye $ 4,000 inokonzerwa nemari yekuwana nokuti haasati asangana nemakore mashanu ekutonga.

Dai Sally ainge akangobvisa $ 56,000, hapana imwe iyo yaizobhadhara, uye mari yaizowana inogona kusara kune mamwe makore matatu apo yaigona kubvisa iyo isina mutero.

John

John ane 58 uye ave ane Roth IRA makore anopfuura mashanu ane chikamu che $ 20,000. $ 10 000 kubva pane zvipo zvake zvepakutanga uye gore rapera akashandura $ 8,000 kubva kune tsika yeIRA kuenda kuRoth. Imwe $ 2,000 yeRoth yake ndeyekuwana mari yekutsvaga. John anopinza muRoth IRA yake yose.

Pamusoro pe $ 10 000 okutanga kubvisa, haasi kubhadhara mutero, sezvo ari kubvisa zvipo zvake zvepakutanga. Paanotevera $ 8,000 ekuregererwa, anobhadhara mutero we10% wekutengesa sezvo zvave zvisingasviki makore mashanu kubva kutendeuka.

Pakupedzisira $ 2,000 ekuregererwa, izvo zvose zvinowanikwa mune zvekutsvaga, anobhadhara mutero wemutero uye 10% mutero wekutengesa nokuti haasati asangana nezvose zvinodiwa zvekutonga kwemakore mashanu uye ave nemakore ekuberekwa 59 ½, uye haakodzeri kubhadhara . Kana akange aine makore makumi mashanu nemakumi matatu nemashanu, haaizobhadhara mutero pane chikamu chekuregera. Kana akange aine makore makumi mashanu nemakumi matatu nemashanu asi asina kutarisana nemakore mashanu ekutonga, aizobhadhara mutero wemari asi kwete mutero wekuripa chikamu ichi chekuregera.

Roth 401 (k) s dzakasiyana

Aya mazano ekudzorera pamusoro apa anofanira kukubatsira kuona kana iwe uchizobhadhara mutero pane kugoverwa kweRoth. Chengetedza mupfungwa, Roth 401 (k) s, inonzi Takarongwa Roth Accounts , inoshanda zvishoma zvakasiyana, naizvozvo kana uine mari iri muRoth 401 (k) kubasa, kwete yose mitemo iri pamusoro apa inoshanda.