Vaparidzi Vakasununguka Vanove Neimwe Nzira Yokuchengetedza muAkaunti yeRoth
Ichi ndicho chikonzero nguva dzose zvichikosha kuti uzive miganhu yako yekubvisa mari.
Muganhu we IRS we 401 (k) zvipo ndeye $ 18,000 muna 2016 (pamwezve imwe $ 6,000 kana uri 50 kana kupfuura). Zvisinei, vanhu vakawanda havazivi kuti vanogona kuchengetedza mari yakawedzerwa mubasa ravo rekushandira rekushandira. Mune zvimwe zviitiko "kuchengetedza zvakawanda" zvinoreva kupa zvikamu zvegore negore zvakatsanangurwa mupiro wemugove (kubva kune vose vashandi uye mushandi) we $ 53,000 (pamwe nemadhora 6,000 anobata kana makumi mashanu uye apfuura) kana 100% yemari yako, chero zvishoma. Izvi zvinoratidzika seurongwa hukuru kana iwe uine kukwanisa kuchengetedza zvakawanda izvozvi nokuda kwekurega basa, asi vanhu vazhinji havagone kuwedzera mari yavo yepurogiramu yekurasikirwa. Zvisinei, kana iwe watova nemukana wekukwanisa kupa chikamu chikuru chakabvumirwa muzvipo zvekare uye zveRoth, hezvino zvikonzero zvishomanana kuchengetedza zvakawanda kuburikidza nemitero inotevera mushure me 401 (k) chirongwa kana imwe mhinduro yakatsanangurwa urongwa hwokurega basa:
Iwe Une Iko Mikana Yokudzorera Mipiro
Iwe unofanirwa kukwanisa kubvisa mitero yezvipo, zvichienderana neurongwa hwezvirongwa pamusoro pekuregera . Izvozvo zvinoreva kana iwe une dambudziko, iwe uchakwanisa kuwana iyo mari. Zvisinei, iwe unogona kusakwanisa kubhadhara mari yakabatanidzwa kukura, uye kana iwe uri, iyo mibairo - asi kwete mitsva yako yepakutanga - yaizoiswa pasi pemitero uye chirango che10% kana ikatorwa musati yava nemakore 59 1/2.
Ita Nzira Yekuchengetedza Kubhadhara Kwekushandira
Chimwe chezvikomborero zvikuru zvevashandi-vanobhadhara zvirongwa zvekurasikirwa ndezvokuti zviri nyore uye zviri nyore zvinosanganiswa nemipiro inowanikwa. Panzvimbo pokuita chisarudzo chekuchengetedza kubhadhara nguva dzose paunowana mubhadharo mari yako inowanzoitika. Somugumisiro, kuchengetedza mushure mekubhadhara mari muurongwa hwako hwekugara mubasa ndeye nzira iri nyore uye iri nyore yekusimudza mari yako yekuchengetedza mari. Zvose zvaunofanira kusarudza ndezvikamu zvemari yako yaunoda kugovera uye kuti unoda sei mari kuti iite mari. Muzviitiko zvakawanda maitiro ako epambaniro ekutsvaga mari yekutsvaga mari yakafanana kune avo vari mu-pre-tax uye reRoth.
Mushure mekuteerera Mitero inokodzera Kubhadhara Mutero-Kusina kuRoth IRA
Zvikomborero zvikuru zvekuita mushure mekubhadhara mitero kune chirongwa chokubvisa basa chinowanzoonekwa kana iwe ukasarudza kubva mukambani yako kana kubvisa basa. Mari yako yekutevera mitero yemari yakabhadharwa ichave ine zvikamu zviviri zvinokosha: yako yekutanga mushure mumiririro uye mubhadharo wakakonzerwa nemari yekuwedzera pane izvo zvipo zvepakutanga. IRS inokubvumira kuparadzanisa zvinhu izvi zvakasiyana munguva yekurollover.
Panguva yaunosiya kambani yako kana kubvisa mukana wekukwanisa kubhadhara mutero-wakakonzerwa nekuwana muhomwe kukura muIra yemazuva uye kuvhara mitero yako mushure mekare muRoth IRA.
Kukwanisa kubhadhara mibairo yezvipo zvekuzvidira muRoth IRA kunokupa kukwanisa kubvumira chero hupi hupi huripo huri kukura hunozoitika pamusana pemutero usingabhadhari kana iwe uchisiya mari iri muRoth IRA kwemakore mashanu uye kusvika mushure mokunge wava kusvika 59 ½.
Maererano ne IRS, " mari inobatanidza nemitero yemitero inotora mutero mumari yako. Nokudaro, mushure mekubhadhara mitero kunogona kuendeswa kune Roth IRA pasina kusanganisira kubhadhara. Pasi Pecherechedzo 2014-54, iwe unogona kupfuurira pamusoro pekubhadhara kwemutero musati waparidzirwa kune imwe tsika yeIRA uye, kana zvakadaro, mari yacho haingabatanidzwi mune mari kusvikira yaparadzirwa kubva kuIRA. "
Somuenzaniso, funga iwe uri kutopa $ 18,000 pagore kusati yateresi 401 (k) urongwa uye iwe unokwanisa kuchengetedza $ 12,000 zvakare kuburikidza nemutero wekutevera musarudzo.
Mushure memakore gumi, ngatitoreiwo kuti mune $ 160 000 kubva pamutero wako mushure mumiririro ($ 120,000 mumipiro uye $ 40,000 mukukura). Muchiitiko ichi iwe unewo $ 250,000 mu-pre-tax savings uye kukura kubva pakupa $ 18,000 pagore (ikozvino IRS yakagamuchirwa yakagamuchirwa). Paunobva mubasa wako kubvisa pabasa kana kutora basa idzva, iwe unogona rollover chirongwa chako chekurega basa uchizvipira kune imwe nzvimbo dzakasiyana-siyana: $ 120,000 muRoth IRA uye $ 290,000 mumutambo weIRA kana kuti chirongwa chako chinorondedzerwa chirongwa.
Pakupedzisira, kana iwe uchifambira mberi kune imwe makore gumi pakubhadhara mari yeRoth IRA iri yoga inenge yakakosha kusvika kaviri (pasina mimwe mimwe michero) ichiita 7.2% kudzoka kwegore uye kushandisa Mutemo we 72 . Izvo zvinodarika $ 120,000 zvekutengesa musero-kusina kuburikidza nekushandisa kushandisa kuchengetedza mushure mekubhadhara mari muurongwa hwekurega basa kubasa.