Inowanzobvunzwa mibvunzo Pamusoro peKuteresa-Free Retirement Accounts

Dzidzai Mutero-Usina Mushandirapamwe Mamwe Mapato uye Maitiro Awo Anoshanda

Kana zvasvika pakugadzirisa zvakanyanya basa rekugara , kubhadhara mutero nguva dzose kuchava chinhu chinokosha. Paunenge uri kurarama kubva kune mari yakagadziriswa , sezvo vazhinji vari mumakore avo ekurega basa, maitiro asina kunaka emitero isingatarisirwi inogona kuva nengozi. Asi kana zvasvika pakurongeka kwemitero, pane nguva dzose zvishoma zvekufungidzira zvakabatanidzwa, sekupfupi kwekuva nekristori bhora yemashiripiti, hapana anoziva chaizvo izvo United States mitero yemitero nemitemo yemitero ichaonekwa semakore mashomanana sega muzana makumi maviri kana makore makumi matatu.

Kunyange zvazvo pane zviito zvakanakisisa uye matanho aunogona kutora nemunhu anonyatsozivikanwa sevambisi vebazi (CPA) uye anogadziridza mari yezvigadziri (CFP) kuti abatsire kugadzirira mitero inobata purogiramu yako yekurasikirwa, kuva nekambani yekusabhadhara mitero ndiyo nzira chete kudzivisa chinetso chemutero mukurega basa zvachose. Zvinonzwika zvakanyanya here kuti zvive zvechokwadi? Hazvisi, asi kune mitsara uye mitemo iyo inotungamirira kuti majeti asingabhadhara mutero anoshanda sei, uye kune zvipo zvose kunewo zvakaderera. Kuti uongorore nyika yenhoroondo dzisingabhadhara mari dzekubvisa mari, hezvino mhinduro dzemamwe mabhuku anowanzobvunzwa.

Mubvunzo: Zvinorevei kana chimwe chinhu chisina mutero?

A: Nhoroondo inofungidzirwa kuti haina mutero kana pasina hurumende kana hurumende inokonzerwa nemari inowanikwa munhoroondo iyo yose iyo mari inowanikwa uye iyo inoparadzirwa kana inotora. Iko kuburikidza nemhando idzi dzekodha kuti mari inogona kudyirwa uye kukura kunze kwekubhadhara mitero yemberi mune ramangwana pane iyo kukura kunyange kana iwe uchibvisa mari yaunoshandisa.

Mubvunzo: Ndeipi mienzaniso yemakero asingabhadhara mutero?

A: Kune imwe chete yemhando yemutero isina kubhadhara mari: reRoth IRAs uye Roth 401 (k) zvirongwa. Pasi pemitemo yekuregererwa kwemitemo uye mari yegore negore uye mupiro wemiganhu, mushure mekubhadhara mari inotengeswa muRoth IRA kana Roth 401 (k) inobvumirwa kukura musero uye isina kusarirwa mutero paunenge wabviswa pamutoro.

Hapana imwe yakadaro yemutero usingabhadhara mitero. Nemhaka yekuti ichi chinhu chakakosha chekugadzirisa basa rekurega basa asi kwete ye IRS (sezvo ichirasikirwa nemukana wokubhadhara icho chinogona kuva chinhu chakakosha chebhuku), pane mitemo yakasimba inotungamirira kuti Roth IRAs inogona kushandiswa sei kusara mutero usina.

Vanhu vazhinji vanokanganisa zvakare vanodana maRare IRAs asingabhadhara mitero. Kunyange zvazvo ichokwadi kuti mari inotengeswa muChituro IRA inobvumirwa kukura pasina mitsara, iyo nhoroondo inonyanya kubhadhara mutero wekuteresi inoreva kuti mitero inongotambidzana. MuIra yeChechi, kuregererwa kunowanikwa kune mitero yemari uye nekuda kwemitemo inotarisirwa kugoverwa (RMD), panguva iyo vatenzi vebhuku vanotendeuka makumi manomwe, zvikwereti zvinofanira kuitwa uye saka zvakabhadharwa. Kune zvakawanda zvakawanda zvekutsvaga motokari dzinopa iyi mitero-yekuregererwa rubatsiro pamusoro pemubhadharo wakakwana usina mutero. Semuenzaniso, kuwedzera kune Iras yeChechi, annuities uye kukosha kwekubhadhara mari ye inshuwarisi yehupenyu hwose inoshandisawo sekodhesi yemitero. Pakupera kwezuva racho, nekodhikodha yakaremberedzwa, mitero inokonzerwa nenguva yekugoverwa uye nenhoroondo isina mutero pasina mitsara inodiwa chero bedzi mitemo inoteverwa.

Mubvunzo: Nhoroondo isina mari yemutero yakasiyana sei nekodhi-isina kubhadhara?

A: Mhedzisiro huru pakati pekodhi isina mutero uye mutero-asingabhadharwi maakaiti ndeyekuti muUnited States, vanhu havagoni kuisa mvumo-dzisina kubhadhara. Zvisinei, vanhu vanogona kuisa mune dzimwe mhando dzezvisungo semasuo emunharaunda anobhadhara mutero usingabhadharwi. Kazhinji, kufarira kwakadaro kunongobhadharwa kubva kumutero wehurumende kunze kwekuti unosangana nedzimwe nzira kuti urege kubhadhara mitero yehurumende uye yomunharaunda pamwe chete.

Mubvunzo: Unoshanda sei kana nhoroondo isiri yemutero?

A: Imari yose inogona kubhadhara mari, kuwedzera kwekukosha, kana zvose. Mari inobva kune iyo inotora mari inobva kumadziro maviri ekutanga: kufarira uye zvikamu. Kana ruzivo rwekutsvaga rwuri munyaya yekubhadhara, iyo mari inowanikwa kune muridzi wemari inotengesa yegore uye inoguma mune mutoro wepamusoro wemitero.

Chero kutengesa kwezvinhu zvakachengetwa mumutero unotengesa izvo zvinotengeswa kune izvo zvakasara zvinowedzera kuwedzera mari uye mutero wekuwana mari inotevera. Kunyange pasina mutero ungadai uripo kana zvikwereti zvakafanana zvaive zvakabatwa mubhuku risina mutero.

Mubvunzo: Ndichawana kubhadhara mutero kune mupiro wakagadzirwa kunekero risina mutero here?

A: Kazhinji mhinduro shoma ndeye. Kubatsirwa kwekero risina mutero ndiko kukura kusina mutero. Iko inonyanya kushandiswa kwebhizimusi kune iyo inobatsira (kunze kwemitemo yakasimba inotonga nyaya dzisina mutero seRoth IRAs) ndeyokuti iwe hauna kuwana kuderedzwa kwechipo chekutanga chepurogiramu uye kuti mupiro unofanirwa kuitiswa nemutero wemutero .

Zvisinei, kune rumwe rudzi rwekambani inogonawo kushandiswa panguva yekurasikirwa iyo inopa mari yepamusoro mitero uye kubhadhara mitero yekusabhadhara kwekuwana mari - Account Savings Account kana HSA. NeHSA , unogamuchira kubhadhara mutero wekuwana mari paunopa mari, asi paunoshandisa mari iri muHSA yako yezvokurapa uye yehutano yemishonga yemishuwarenzi yehutano, izvi zviparidzi zvinouya pasina mutero.