Tarisa kuona kana mushandi wako anopa Roth 401 (k) chirongwa.
Izwi rezvenyanzvi reRoth 401 (k) ibhuku rakarongwa Roth. Nokuwedzera sarudzo yakasarudzwa yeRoth ku 401 (k) kuronga mushandi anogona kukubvumira kuita mimwe mitambo yepamutemo isati yatere kune 401 (k), kana kuti mushure mitevero yeRoth, kana maviri. (Zvigadzirwa zvinogonawo kuwedzerwa kune mamwe maitiro ezvidzidzo zvekurega basa zvakadai se 403 (b) kana zvirongwa 457.)
Sei Ndichifanira Kufarira Roth 401 (k)?
Kunyange iwe ungafunga kuti zvipo zveRoth ndezvechecheche chete, chokwadi vanhu vazhinji vane makore makumi mashanu nemashanu vanopfuura vanogona kubatsirwa nekukura kwekusabhadhara mutero uye kusabhadhara mutero kusina kubhadhara iyo nhoroondo yeRoth inopa.
Nhoroondo dzeRoth dzinopa mari yekuwana mari inotora mubhadharo isingabhadharwi nemitero. Iwe unogona kushandisa kambani iyi sevhisi yekuderedza kubhadhara mitero panguva yako yakashata yekurega basa apo iwe unoda mari yezviitiko zveupenyu.
Paunenge uchichengetedza basa rekurega basa iwe unoda kukonzera mutero kune zvikamu, chikwereti chemari uye mari inowanikwa apo inoshanda. NeRoth iwe unogona kudzivisa zvachose kubhadhara mitero pamitambo iyi yekusimwa mari, iyo iyo iyo nzira yekusimudza yakabhadhara kusvika pahuwandu.
Kusiyana pakati peRoth 401 (k) s uye Roth IRAs
Pane zvakawanda zvakasiyana pakati peRoth 401 (k) uye Roth IRA.
1. Kukwanisa Kuwana Mari - Kana ukaita mari yakawandisa, hauna kukodzera kupa mari kuRoth IRA .
Hapana mari yakadaro yekuwana mari yeRoth 401 (k) zvipo.
2. Mupiro wemiganhu - Mupiro wepamusoro unosvika kuRoth 401 (k) yakakwirira kupfuura yeRoth IRA, saka unogona kuchengetedza zvakawanda, uye kukura kwekutsvaga kwekutsvaga uye kugoverwa hakuzobhadhara mutero mumakore ako ekurega basa.
3. Kuparadzanisa Mitemo - NeRoth IRA, unogona kubvisa zvipo zvako zvepakutanga chero nguva.
NeRoth 401 (k), izvo hazvisi kudaro. Chirongwa chako chinogona kukubvumira kukwereta kune yako 401 (k), kana kutora dambudziko rekuregererwa, asi nokuda kwechikamu chikuru, kusarudzwa kwako kugoverwa kwakakosha apo iwe uchiri kushandiswa nekambani inopa chirongwa, kana kusvikira mushure maunosvika ane makore 59 ½ kana kuti ane dhidhiyo yakarongwa Roth kwemakore mashanu.
Kusiyana pakati peKutanga mutero 401 (k) uye Roth 401 (k) Mipiro
Zvose 401 (k) zvirongwa zvekuita basa rekurega basa zvinokubvumira kurega chikamu chemari yako.
Nguva dzose 401 (k) urongwa hwezvipo zvakabatanidzwa kurongwa hwekutanga kuteresi. Izvozvo zvinoreva kuti iwe unobhadhara mitero yemari gare gare paunotora mari kunze pane ikozvino.
Roth 401 (k) mibairo yezvirongwa inobatanidzwa pane mushure mitevero. Izvozvo zvinoreva kuti iwe unobhadhara mitero yemari ikozvino pamutengo wakabatanidzwa muurongwa, asi kana uchinge urimo, unogona kukura musero-uye usingabhadharwi mutero usingabhadharwi muhutano. Izvi zvisingabhadhara mitero zvinogona kuva zvakakunakira iwe kana iwe uri mumakore makumi matanhatu ekudarika 70 uye zvakare kuunganidza Social Security.
Mitero Yemitero yeRoth 401 (k) s
Nhoroondo dzeRoth dzinopa imwe yenzira shomanana dzekutsvaka zvechokwadi mari yemitero isina. Chero bedzi iwe uchitevera mitemo, zvose zvinodiwa, zvikamu, uye mari inowanikwa mukati mako Roth yako haichazombotorizve zvakare.
Izvi zvine zvimwe zvakanakisisa zvinobatsira mukurasira uye kugadzirisa nzvimbo:
- Roth kugoverwa hakurevi munzira iyo inosarudza kuti yakawanda yehutano hweHuman Security inobhadharwa sei .
- Roth kugoverwa hakurevi munzira iyo inotarisa muwandu wemishangiro yeMedare Medicare Part B iwe unobhadhara.
- NeRoth IRA, kusiyana neIRA inowanzogara kana 401 (k), hauna kutarisirwa kutanga kuparadzirwa pazera remakore 70 1/2 , kunyange zvakadaro, Designated Roth inoratidzira mune 401 (k) hurongwa inoteerera mitemo inoshandiswa yekuparadzira . Iwe unogona kudzivisa kuparidzirwa kwaidiwa kuburikidza nekudhinda dhidhiro yako yakarongwa Roth kuenda kuRoth IRA pamubhedha. Yeuka - iwe uchiri kushanda, haugoni kuita rollover.
- Roth nhoroondo inodarika mutero usingabhadhari kune vanobatsirwa.
Kusiyanisa mumitemo yekuparadzira paRoth 401 (k) vs. Kuteresa mutero 401 (k)
Uine 401 (k) urongwa hunosvika 55 iwe unogona kutora mitsara isina mubhadharo, chero bedzi iwe ukabvisa mari kubva kune kambani iri 55 kana gare gare.
Kana iwe ukarega usati wava nemakore 55 kana uine 401 yekare (k) uronga iwe unofanirwa kumirira kusvikira makore 59 ½ kutora zvipo zvisina kurangwa. Iko kukwanisa kutora chirango chisina kusununguka pa 55 kana 59 1/2 zvisingagone kushanda nguva dzose kuRoth 401 (k) nhoroondo.
NeRoth 401 (k) kugoverwa, mutemo unokosha wegore wegore unoshanda. Usati wagona kubhadhara mutero pamabhadharo, Roth 401 (k) mipiro inofanira kuitirwa kwemakore mashoma mashanu, kunyange kana iwe uine makore makumi matanhatu nemashanu kana kupfuura makore 59 ½.
Muenzaniso: Kana iwe wakatanga kuita Roth 401 (k) zvipo zvekutanga panguva yegore remakorori iwe wakasvitsa makore makumi manomwe, nguva yokutanga iwe waizokwanisa kubhadharwa kusina mutero kwaizove mugore rekarenda iwe wakatora 62.
Cherechedza: Kusiyana neRoth IRAs, Roth 401 (k) nhoroondo haibvumiri kutora mvumo yekutanga kutengesa mari yekushandisa mari.
Ko Zvakadini Nomukati Womushandi?
Kana ukasarudza Roth 401 (k) sarudzo uye kambani yako inopa rubatsiro rwakakodzana runobatsira, mutsara unozopinda mune imwe nguva isati yatere 401 k Paunoparadzanisa nekambani yako iwe unogona kugovera zvipo izvozvo muRoth IRA yako uye ubhadhara mitero. Usaita izvi kusvikira watanga kutaura neanoronga mari kuti uone kana ichi ndicho chakanakisisa chekuita basa rako rekurega basa.
Iwe Unowana Sei Roth 401 (k)?
Kana iwe uri mushandi, bvunza waunoshandira kana achibvumira Roth 401 (k) zvipo, uye kana vasina uye iwe ungada kuva nechisarudzo ichi, taura iwe zvaunofarira kuvanhu kana kumudzimai webhizimisi. Hasi mapurogiramu ose ekushandira anopa izvi sarudzo asi sezvo vanhu vakawanda vakadzidza uye vakakumbira chisarudzo cheRoth, vashandi vari kupindura uye zvimwe zvirongwa zvino vanozvipa.
Kana uri muridzi bhizimisi ane vashandi, unogona kutarisa mukugadzira 401 (k) hurongwa hwebhizimisi rako rinobvumira zvipo zveRoth. Iko mari yekugadzirisa inogona kusiyanasiyana kubva kune anopa mupiro kupa, saka shandisa pedo.
Kana iwe uri wekushanda pasina vashandi kunze kweumwe wako , iwe unogona kuisa izvo zvinowanzozonzi seMunhu (k) kana Solo (k) chirongwa chinokubvumira kuita Roth 401 (k) zvipo.
Cherechedza: Panogona kuva nechiitiko chekuti ave nemhando dzose dzemakumi mana (k) zvipo; Roth uye isati yateresi. Ongorora mazano ezvemari kana kuti nyanzvi yemitero kuti uongorore mamiriro ako akasiyana kuti uone kana izvi zvakakodzera.
Roth kana Regular?
Mubvunzo wemamiriyoni emadhora ndewekuti, zvine musoro here kubhadhara mutero ikozvino kana gare gare? Mhinduro yacho inobva pane zvamunotora mutero ikozvino, uye iwe unofungidzirwa mutero wero mukutora basa. Kune vazhinji vanhu, zvinonzwisisika kuti tibate basa rekusarura neyero yemari mbiri dzisati dzabhadhara uye dzisina mutero kuti dzinotora kubva.
Izvozvo zvinoreva kuti iwe unoda kugovera kune zvose zviri zviviri zvikamu munzira. Nenzira yakawanda, kusati kwabhadhara mitero kunonyanya kunzwisisika apo mutero wako wekutengesa uri 28% kana kupfuura. Mipiro yeRoth inonyanya kunzwisisika kana mutero wako wekutengesa uri 25% kana pasi.
IRS Sources
Nokuda kwemitemo yakajeka pamusoro peRoth 401 (k) zvirongwa zvinoshanyira IRS Website, Retirement plan urongwa hweSweded Roth.