A Backdoor Roth IRA Inogona Kupa Mutero Makomborero kuVakuru Vokutanga-Kuwana
Havasi vose vanogona kugovera kuRoth IRA, zvakadaro. Inhengo dzeInternal Revenue Service dzinobvumirwa Roth IRA pamagadzirirwo ako akashandurwa mari yakawanda yakagadziriswa uye nzvimbo yekutumira mutero.
Nokuda kwe 2017, zvipo zvezvikamu zvemashure asina kusarudzwa ane MAGI ye $ 133,000 kana kupfuura uye vakaroorana vanopinda pamwe chete ne MAGI ye $ 196,000 kana kupfuura.
Pane, zvisinei, basa-rakapoteredza kumiganhu yekuwana. A backdoor IRA inopa vashandi vakawanda mukana wekuwana mitero yeRoth, asi zvingasava zvakanaka kune mumwe wevatengesi.
Kubatsira Kwakaita Bhuku Rekuchengetedza IRA IRA Inoshanda
A backdoor Roth IRA yakanyatsojeka. Zvinongosanganisira kutendeuka mishonga yeIRA yemaitiro kuRoth IRA. Iwe unogona kukonzera backdoor IRA uchishandisa IRA yemazuva ano, kana kuti kuzarura kambani itsva chaiyo yekutendeuka.
Kana uchinge washandura tsika dzeIRA dzimba kuRoth IRA, iwe unogona kufara nharaunda isina kubhadhara mitero yekambani iyoyo. Iwe unofunga, zvakadaro, unofanirwa kuve nokuziva chero mutoro wemitero iwe unogona kutora semubairo wekutendeuka.
Roth Kuchinja Mitero
IRAs yemaitiro inobhadharwa nemari yekare isati yatere .
Zvichienderana nemari yaunowana, mipiro iyi inogona kubviswa kana kuti isina kubviswa. Saka nei izvi zvichikosha apo iwe uri kutendeuka tsika yeIRA kuenda kuRoth?
I IRS haina kukubvumira kuti udzivise mutoro wako wemitero neyendarama yeIRA. Kazhinji, iwe unobhadhara mitero pamari iyi apo iwe uchivabvisa pamubhedheni, pamutero wako wekushambadzira.
Kana iwe uri kutendeuka tsika yeIra yakagadzirwa nemipiro yakabviswa, iwe unofanirwa kubhadhara mutero unokonzerwa nemipiro iyi uye mubayiro wavo panguva yekutendeuka.
Asi zvakadini kana iwe uri kutendeuka mari isingabhadharwi ? Ndizvo apo zvinhu zvinogona kuwana zvishoma zvinyengeri. Kana iwe tsika yako yeIRA inosanganisira zvipo zvisiri zvekubhadhara, iwe unongobhadhara mutero pane chero mari yaunopfuura pamutero wako. Kana iwe une tsika dzeIRAs dzinosanganisira zvipo zvose zvekudzvora uye zvisina kubviswa, zvisinei, IRS ichaverenga chero mitero inokonzerwa nekushandurwa pachigaro chekushandisa, uchishandisa kukosha kweIRA yako yose.
Izvi zvinoreva kana iwe uine $ 300,000 mune zvetsika yeIRA yefa uye ugoita $ 5,500 kusvika kune imwe yeARA isina kubhadhara, iwe haungagoni chete chikamu chisiri chekuderedza, kunyange kana chiri mune imwe nhoroondo. Iwe unofanirwa kubata iyo $ 5 500 iyo sechisarudzo chekutendeuka kwehuwandu hweIRA yako yemitengo yezvinangwa zvemitero.
Kuderedza Mitemo yeIra Mutero
Kana uri mubhaketi yakakwirira yepamusoro uye iwe uri kutenderera huwandu hwemari yezvemari yeIRA, chigumisiro chacho chingava mutero mukuru wemutero mugore raunoshandura. Nenzira yakanaka, kune nzira yekuderedza imwe yero yekutengesa.
Pamusoro pezvinangwa zvemitero, IRS haina kusanganisira 401 (k) s pasi pemiganhu yekuunganidza.
Kana iwe uine kusanganiswa kwezvinhu zvose zvinokonzerwa uye zvisiri-deductible tsika yeIRA yefa, iwe unogona kuisa chikamu chekubviswa panzvimbo yako yebasa rekubvisa basa kana iwe uchibvumirwa. Izvozvo zvingakusiya wakasununguka kutendeura chikamu chisina kubviswa cheIRA yako kuenda kuRoth pasina kukonzera mutemo we-pro-rata mutero.
Nzira Yokusarudza Sei Kana Backdoor Roth IRA Yakarurama Kwauri
Imwe mushure reRoth IRA inokwanisa kupa zvikwereti zvinokosha zvemitero asi zvakakosha kufungisisa kuburikidza nekunyatsoongorora.
Semuenzaniso, ndeipi bhakitari yemutero unotarisira kuva nayo apo iwe unotora basa? Kana iwe unofunga kuti uri muchikwata chepamusoro kupfuura iwe uri ikozvino, mari yaunowana yaunogona kuona kuburikidza neRoth IRA kuregererwa inogona kudarika chero mutoro wemutero iwe unowedzera iye zvino semugumisiro wekutendeuka. Kune rumwe rutivi, kana iwe wakaunganidza mari yakawanda muIra yemaitiro, kutendeuka kunogona kudhura.
Yeuka zvakare kuti iwe haugoni kutora mari yakashandurwa kubva kuRoth IRA kwemakore mashanu kana kutora chirango. Kana iwe ukakanda mari yacho zvisati zvaitika, iwe unenge uine chikamu chegumi kubva muzana kubva pakutanga kutora chirango kunze kwekuti wava nemakore makumi mashanu nemashanu kana kupfuura kana kupfuura. Zvakakosha kunzwisisa nguva yako kusvikira iwe uchifunga kuti uchada mari iyo.
Kana iwe usati waronga kugadzira IRA mari kwenguva yakati, Roth backdoor inopa imwezve rubatsiro. Ne tsika dzeIRAs, unotanga kutanga kutora mashoma ekugovera zvichienderana nekutarisira kweupenyu hwako pazera remakore 70 1/2. A Roth IRA haina zvigadziriswa zvinoshandiswa , zvichireva kuti iwe unogona kusiya mari kuti ikure chero bedzi iwe uchida. Izvozvo, zvakakonzerwa nekwanisi yekuita izvozvi zvisingabhadhara mutero, zvinogona kuisa zviyero kuti zvive nekutenderera maitiro eIRA.