Chinoita Kuti Ive Nechikonzero Chokuchengetedza Mune 401 (k) uye Roth IRA
401 (k) Kuwedzera Roth IRA
Kana iwe uri kuipa zvipo kune 401 (k ) uye uri kutsvaga imwe nzira yekuchengetedza kunyange mari yakawanda yekurasikirwa, Roth IRA inosarudza zvakanaka. Vashandi vanoita zvinodiwa vanogona kupa muzvikamu makumi mana (k) neRoth IRA mugore rimwechete, uye kune zvikonzero zvakanaka zvekuita kudaro.
Kunyange zvazvo 401 (k) mipiro inogadzirwa ne pretax madhora, Roth IRA mari inobva mukuchengetedza mari yako inotevera mushure. Kubhadhara muzvikamu zviviri izvi zvekodha zvinowedzera mitero-inoderedzwa kusvika pahutori, asi mari yaunotora kubva kune 401 (k) ichabhadhara apo Roth kugoverwa hakuzoiti.
Mipiro yeRoth IRA inogonawo kubviswa chero nguva chero ipi zvayo isina mitero kana zvikwereti. Zvisinei, iwe unogona kubhadhara mitero uye zvikwereti pane kubviswa kwezviwanikwa. Kuchinja kwemamiriro ekukwanisa kuwana zvipo zvako zvepakutanga pasina mitero kana zvikwereti zvinoita kuti Roth IRA ive nemari yakawanda yekuchengetedza zvimwe zvinangwa, sekutenga imba kana kubhadhara chikoro chekorosi kana kuchengetedza chikoro chemwana. Uye nepo 401 (k) uye varairi vedare reIRA vanofanirwa kutanga kutora kugoverwa kubva kune avo mazera pazera remakore 70 1/2, hapana kudiwa kuduku kunobva kuRoth kusvikira mushure mekufa komuridzi.
Ndiani Anokodzera?
Kana iwe ukashanda kune kambani inopa 401 (k), munhu wako mutungamiri wezvinhu anogona kukubatsira kuti uone kugona kwako. Muganhu we IRS we 401 (k) zvipo ndeye $ 18,000 pagore mugore ra 2017 ($ 24,000 kana uri 50 kana kupfuura).
401 (k) Mupiro wemiganhu ye 2017
Kuti uve Roth IRA akakodzera, mari yako yakagadziridzwa yakagadziriswa muna 2017 inofanira kuva $ 133,000 kana pasi pekutora mutero wekusungirirwa kwemutero iwe usina, mukuru weimba, kana kuroorwa kuisa zvikamu zvakasiyana uye iwe hauna kurarama nemumwe wako panguva ipi zvayo mugore.
Kana iwe wakaroora kuisa pasi pamwe chete yako yakashandurwa yakagadziriswa mari yakawanda inofanira kuva $ 196,000 kana pasi.
Mamwe Makambani Akabatana neRetirement
Kana iwe usina 401 (k) kuburikidza nebasa, unogona kugovera kune tsika dzechirongwa IRA uye Roth IRA combo chero bedzi zvipo zvako zvakabatana hazvipfuuri $ 5 500 pamwe chete gore rinosvika ($ 6,500 kune makore makumi mashanu kana kupfuura).
Zvinonzwisisika kupa chikamu kune tsika dzeIRA uye 401 (k) mugore irorochete kunze kwekuti iwe unokodzera kubhadhara mari. Nhoroondo mbiri idzi dzakagadzirirwa kuita chinhu chimwe chete. Kusiyana chete ndekwokuti IRAs ine mirefu yakaderera yezvipo kupfuura 401 (k) s. Muna 2017 , unogona kuisa $ 18,000 kusvika kune 401 (k) (kana kusvika kusvika 24,000 kana iwe uri nemakore makumi mashanu kana kupfuura) uye $ 5 500 muIRA (kana kusvika kusvika $ 6 500 pamwe nemupiro wekubata). Vashandi vane 401 (k) havazvikwanisi kubhadharwa neIRA.
Kana iwe uri kutora chikamu mune 401 (k) chirongwa chebasa uye usina kuroora kana kutora mutero wekudzorera seimba wepamusha unogona kukodzera kubhadhara zvakakwana kana iwe wakashandurwa AGI uri pasi pe $ 62,000. Kubviswa kwezvikamu zvinowanikwa nemari inoshandiswa yakawanda (AGI) iri pakati pe $ 62,000 ne $ 72,000 muna 2017. Vanhu vane mari inopfuura $ 72,000 havazokwanisi kuwana rubatsiro rweIRA rwakakodzwa.
Kune vakaroorana vanoisa mutero pamwe chete uye vakafukidzirwa ne 401 (k) kana chirongwa chakakanganiswa kubasa, zvigadziriswa zvinotanga kubuda pa $ 99,000 uye zvakatorwa pa $ 119,000. Kubva pakuronga kwezvemari zvinonzwisisika kubhadhara zvizere kune umwe wevashandi anoenzanisa zvipo kune chirongwa chokubvisa pabasa asati agadzirisa IRA.
Kana iwe ukawana mari kubva kune hupfumi kana kuti kubvumirana nebasa kune rumwe rutivi, unogona kugovera kune zvishoma-bhizimusi rekurega basa, seSeP IRA . Nhengo dzePP dzakabviswa zvachose kusvika kune 25 muzana yemari yakawanda yegore rose kana $ 54,000 muna 2017, kunyange kana iwe uchibvisa makumi 401 (k) mipiro, iyo inogona kuisa dent mubhadharo yako yemutero.
Zvingani Zvakawanda Zvokugovera ku 401k uye Roth IRA
Kana mushandi wako achikwirirana 401 (k) zvipo, zvinonzwisisika kugovera zvishoma zvakadai sekuenzanisa kwemazana.
Chizere che10 kusvika ku15 muzana yekutanga kutereta mari ndiyo mutemo wakanaka wechigunzva chekutsvaga mari inotora mari. Mushure mezvo, mazai kunze kweRoth IRA kana kuti kuisa zvakanyanya sezvaunokwanisa mune rimwe chete gore rose. Iko mitero inobhadharwa ichabhadhara, kunyanya kana iwe unotarisira kuti mitero yako yaunowana inokura munguva.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.
Yakarongwa naScott Spann