Heino Maitiro Aungaita Nayo Kubva 401 (k) uye Roth IRA Gore Negore
Nguva yako yemberi yakabvisa basa rako ichakutendai!
401 (k) Kukodzera uye Zvigadziriswa
Kuti upe rubatsiro kune 401 (k) chirongwa , wako mushandi anofanira kukupa chirongwa. Kusiyana nedzimwewo mikana yekugadzirisa basa , hapana mari inoshandiswa kumari ye 401 (k) kuronga kuita. Saka, iwe unogona kuita $ 500 000 kana kupfuura uye uchiri kukodzera kugovera kune yako 401 (k) chirongwa. Kune, zvisinei, zviyero pamutengo waunogona kupa gore negore.
Mupiro wemugove wepamusoro unobvumidzwa gore negore kunosangana nezera rako uye rinowirirana gore negore zvichienderana nekuwedzera kupiko-kwekugara-index index (iyo inoratidza kutengesa kwenyika). Somuenzaniso, muna 2017 iyo yakawanda iwe unogona kuwedzera kune yako 401 (k) chirongwa che $ 18,000 kana iwe uri pasi pemakore makumi mashanu nemadhora makumi maviri nemazana maviri nemadhora makumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi maviri nemakumi maviri nemakumi mashanu. (k) muganhu wemiganhu unobva pamigiro yako chaiye.
Chero ani zvake anoshandisa mupiro wemigiro haatauri kusvika kune $ 18,000 muganhu wegore negore wegore ra2017.
Kubatsirwa kweRoth IRA
Roth IRAs inopa zvikwereti zvakakura zvemitero nenzira yemutero usingabhadhari. Iwe haufaniri kubhadhara mitero pamari yaunowana muRoth IRA chero bedzi iwe wakanga uine kambani yakasununguka kwemakore mashanu uye wakamirira kusvikira makore 59 1/2 kuti uwane mari.
Mipiro yako yepakutanga yeRoth IRA (asi kwete mari) inogonawo kubviswa kusina mutero chero nguva musati wasvika pakubata basa. Izvozvo zvinoita kuti Roth IRA ive nemari yakawanda yekuchengetedza zvimwe zvinangwa, sekutenga imba kana kubhadhara chikoro chekorosi kana kuti dzidzo yekoroji yemwana. Vamwe vanhu vanotoshandisa Roth IRAs seurongwa hwekuchengetedza zvekuchengetedza kwekukurumidza. Imwe inokosha inobatsira ndeyokuti neRoth IRA hapasi kugoverwa kunodiwa kusvikira mushure mekufa komuridzi. 401 (k) uye vashandi vezvemitemo yeIRA vanofanirwa kutanga kutora kuparadzirwa kubva kumabhuku aya anotanga pazera remakore 70 1/2,.
Roth IRA Kugadziriswa uye Zvibvumirano
Chinodiwa chekutanga kuti uve akakodzera kugovera Roth IRA ndechekuti iwe kana mudzimai wako unofanirwa kuwana mari. Izvi zvinongoreva kuti iwe unofanira kunge wakabhadharwa mubhadharo kana kuti une rumwe rudzi rwekuwana mari kubva kubasa. Roth IRA inoronga iripo pachedu, kwete kuburikidza nevashandi, naizvozvo iwe unofanira kuzarura kambani iwe pachako nebhangi kana bhizinesi rezvemari. Kusiyana ne1401 (k) kana iwe hauna kukodzera kugovera uye iwe mitezo yako yega yega inogadziriswa kutanga nemari yako yakashandurwa yakawanda uye nezera rako.
Kuti uwane kukodzera kupa Roth IRA zvakananga, yako yakashandurwa yakagadziridzwa mari yakawanda haigone kudarika mamwe mazinga anotarisana nemutero wako wekutumira mutero.
Muna 2017, vanhu vanotanga kukanganisa kukwanisa kwavo kupa mari kuRoth IRA pa $ 118,000 uye mukana wekutungamira zvakananga Roth IRA mipiro inogumira pa $ 133,000. Vakaroorana vakaroorana pamwe chete vane mupiro wemari unotanga pa $ 186,000.Ukwanisa kupa mari kuRoth IRA inoparara zvachose kana mumwe munhu kana kuti mari yavanowana mari inosvika $ 133,000 uye $ 196,000, pamwe chete. Kana iwe ukakwanisa kuwana muganhu waro wose mu 2017, unogona inopa kusvika ku $ 5 500 kana uri pasi pe50 uye $ 6,500 kana iwe uri 50 kana kupfuura (uchifunga kuti mari yako inotengesa yegore iroro yakakura pane mari yaunopa).
Unogona Kuzvipa Roth IRA uye 401 (k)?
Kune vanhu vazhinji mhinduro yemubvunzo uyu ihe! Chero bedzi paunosangana nedzimwe nzira yekuzvidzivirira yakasiyana ye 401 (k) uye Roth IRA , unogona kugovera kune zvose zviri zviviri.
Hapana mhirizhonga iripo iyo iwe unobatanidzwa mune imwe yezvirongwa zviviri zvekurega basa inokudzivirira kubva pakuponesa mune imwe. Saka endai mberi uye muwedze mari iyo yekuchengetedza mari!