Nzira Yokuita Roth vs. Pre-Tax 401 (k) Chisarudzo
Nhamba yevashandi kupa Roth sarudzo muurongwa hwavo hwekurega basa yakakura zvikuru mumakore achangopfuura.
Iro Roth inokubvumira kupa mari kune chirongwa chekurega basa pamusana pemutero. Kufanana nemipiro kuRoth IRA, zvipo zveRoth 401 (k) hazvisi zvekubhadhara mutero. Panzvimbo pokubatsirwa nepamusoro pekubhadhara mutero kuburikidza nokuita zvipo zvepamutemo zvisati zvabhadhara, mitero inobhadharwa inouya mushure mekutanga kutora kuparadzirwa kubva kurongwa. Roth nhoroondo dzinokubvumira kuti urege kubhadhara mari inowanikwa muakaunti yako yemutero usingabhadhari chero bedzi iyo nhoroondo yave yakazaruka makore mashanu uye iwe uri kupfuura makore 59 1/2.
Zvimwe kunze kwekukura kwemashure emitero, basa raRoth 401 (k) rakawanda rakafanana neyakazara 401 (k) s. Imwe kufanana ndeyekuti zvose zvisati zviripo uye Roth 401 (k) zvipo zvinokodzera kukwikwidza kambani. Ungave kana kwete iwe unogamuchira mupiro unoenderana nekambani yako unotsanangurwa nemushandi wako. Kana ukagamuchira imwe, inotorwa kusati yateresi uye inobatwa zvakasiyana neRoth 401 (k) yako. Kana ukasarudza kusiya muvakidzani wako, unogona kuva nesarudzo yekuchengeta Roth 401 (k) kwaunenge uripo kana kuti uiendese muurongwa hwomushandi wako itsva kana Roth 401 (k) inopiwa ikoko.
Imwe nzira ndeyokuti uiendese muRllollover Roth IRA, kwaunenge uchitungamirirwa nemitemo iyoyo yekudzorera.
Heano mimwe mibvunzo inokosha yaunofanira kufunga kana ukaona kana Roth 401 (k) inonzwisisika kwauri:
Unogona here kupa mari kuRoth 401 (k)?
Kuti uite chikamu, unofanira kutanga utsigira kuti Roth 401 (k) inopiwa neunoshandira.
Kana iri uye iwe uchikwanisa kugovera, iwe unogona kugovera pasinei nemari inowanikwa. Roth 401 (k) s haisi pasi pemiganhu yekuwana mari. A Roth IRA kune rumwe rutivi rwune miganhu yekuwana iyo inosarudza kana iwe unogona kugovera.
Iwe unogona kupa mari yakawanda sei?
Zvose IRS yemiganhu yevashandi vemasikirwo uye Roth 401 (k) zvipo ndeye $ 18,500 ($ 24,500 kana uri nemakore anopfuura 50 gore rino) muna 2018.
Roth 401 (k) chisarudzo hachifaniri kunge chiri-kana chiitiko. Iwe unogona kugovera kumarudzi maviri edzikiti (kana akapiwa neunoshandira). Zvinokwanisika kupa mitezo kune zvose zviripo zvisati zvawanikwa uye Roth 401 (k) chero bedzi zvipo zvako zvakabatana hazvipfuuri muganhu wegore negore.
Iwe unotarisira kuva mune imwe bhakisi yemutero munguva yako yekurega basa here?
Kusiyana kukuru pakati peiyo isati yateresi uye Roth 401 (k) ndeyekuti iwe unobhadhara mutero ikozvino sezvazvakangoita neRoth kana panguva yaunodzinga mari (uteresi 401k). Kusarudza Roth 401 (k) sarudzo inogona kunyanya kubatsira kana iwe uine hanya nekuva mubhaketi yakakwirira yepamusoro mushure mekutora kwemakore.
Kubhadhara mitero mberi kunobatsirawo kana iwe une ramangwana rakakura rekutsvaga mari inotangira iwe. Kazhinji kutaura, nguva yako yekutsvaga yakareba nguva yakanyanya kukura kwako mari inowanikwa.
Roth 401 (k) inogona kuva yakakosha kune mumwe munhu ari mumatanho ekutanga emabasa avo uye anotarisira kuti mari yavo inowedzera zvakanyanya kupfuura hupenyu hwavo hwose. IRoth 401 (k) inogona kuvawo pfungwa yakanaka kana iwe unonetseka kuti kunyange kana iwe mari yako isingakwire mukurasira, mutero wemutero unogona. Ichokwadi, iyo ichangobva kupiwa Mitero yeCare uye Jobs Act ya2017 inoderedza zvigaro zvemabhadharo emitero yevanhu vazhinji vanosiya vamwe kuti vatende kuti vachave vakakwirira mumakore anotevera.
Kune rumwe rutivi, iwe ungangove uri nani pakunamatira nemutero usati watere 401 (k) kana iwe uchitenda mutero wako wekuwana mari inowanzove yakaderera apo unoda mari panguva yekurega. Izvozvo ndezvokuti zvipo zvakagadzirwa nekutanga kusati kwabhadharwa mari inopa kupa ikozvino mutero wekubhadhara kwemari yakapiwa. Vakawanda vanoenda kumusha vanopedzisira vaona kuti vane mari shoma yekudzorera mari yepamusoro pamakore avo ekurega basa.
Kutaura zvazviri, nhungamiro yakawanda ndeyokutora chikamu chinenge makumi mapfumbamwe kubva muzana chemari yako yaunowana kuti uchengetedze mararamiro ako akasununguka panguva yekurega. Iyi mizinga yepamusoro yemari uye yekuti mamwe mabhizimusi ehupfumi akadai seSocial Security anongotengwa chete anopa mhirizhonga yakawedzerwa panzvimbo yemuteresi 401 (k) sarudzo.
Nemashoko akajeka, heinoi musiyano mukuru pakati pechechi uye Roth 401 (k):
Iko kusati kwabhadhara "401 (k) zvasarudzo zvinokupa kupera kwemazuva nhasi uye zvinoda kuti iwe ubhadhara mitero yemari kana iwe uchitora kugoverwa (mutero gare gare).
Roth 401 (k) mipiro inowanikwa nematare emitero asi inokupa mukana wekuparidzira kusina mutero (mutero ikozvino).
Uri kuronga kushandisa chikamu chemari yako yekurega mari yekutsvaga pfuma?
Roth 401 (k) nhoroondo dzinonzwisisika sefumi yekutengesa motokari. Imwe yenzira yekugadzirisa nzvimbo inoshandiswa kushandisa Roth 401 (k) nhoroondo dzekutumira mari yekusarura kune vagari venhaka pamusoro pemutero usingabhadhari. Inhaka yeRoth 401 (k) s ichiri pasi pekutererwa kwemitero nokuti mipiro yakanga yatotererwa. Ivo vanozviisa pasi pemitemo inoshandiswa yekuparadzira. Munguva yehupenyu hwako iwe unogona rollover Roth 401 (k) kuRoth IRA kuti urege kudzivirirwa zvakaderera kugoverwa. Iri sarudzo inogona kubatsira kuchengetedza zvinhu kune vagari venhaka uye kubvumira kuramba kuripo kusina mutero.
Chisarudzo Chokusarudza
Chinhu chinonyanya kukosha kana uchisarudza kana Roth 401 (k) inonzwisisika kwauri iwe kazhinji inosvika kumatero ekubhadhara mari. Asi zvimwe zvipimo zvinofanira kuonekwa kana iwe ukaita chisarudzo chako. Zera rako, ikozvino uye remangwana mamiriro emitero, uye huwandu hwemitero yekutengesa pakati pekutengesa mitero (401 (k), IRAs, HSAs), maRoth mabhuku, uye nhoroondo dzekodha.