Kunzwisisa Roth 401 (k)

Iro Roth 401 (k) Ndiyo, Iyo Inoshanda Sei, Uye Paunofanira Kufunga Neiyo

Iro Roth 401 (k) iri 21st Century, rakagadziriswa muna 2006. Uye rakapiwa nenhamba iri kuwedzera yevashandi gore roga roga kubvira. Icho chinogona kunge chiri chakanaka mune imwe purogiramu yekubvisa mari yekambani yako. Asi Roth 401 (k) yakasiyana sei netsika 401 (k)? Uye zvakakunakira iwe here? Ngationei.

Roth 401 Chii (k)

A Roth 401 (k) ndizvo chaizvo zvinonzwika sekuti: kubatanidzwa kwe 401 (k) uye Roth IRA .

Kufanana ne1401 (k), inopiwa nemunhu anoshandira, zvipo zvinotorwa kubva mubhadharo rako uye zvinogona kuiswa mari yekurasira mune zvakasarudzwa zvakasarudzwa kusarudzwa. Kufanana neRoth IRA, mibairo inogadzirwa mushure mekwereti (kusiyana nemutero usati watere 401 (k) asi mari inowanzoregererwa zvekare, kunyange apo inodzingwa pamubhedheni kana mushure mezera remakore 59 ½. (Ndinoti "kazhinji" nokuti Roth mitemo yekuregera isinganyanyi kukosha. Somuenzaniso, unofanira kuiswa makore mashanu akatevedzana usati watora mari yacho.)

Roth 401 (k) Muganhu wemiganhu

Mupiro wemiganhu yeRoth 401 (k) yakafanana neyeya 401 (k) yenguva dzose. Muna 2018, unogona kuwedzera kusvika ku $ 18 500 kusvika kuRoth 401 (k). Kana iwe uine makore makumi mashanu kana kupfuura, unogona kuwedzera $ 6,000 mune rimwe gore. Enzanisa aya maximums kune avo veRoth IRA: $ 5,500 pagore muna 2018, pamwe ne $ 1 000 pakuwedzerwa zvipo. Uyezve, pane zvipingamupinyi zvishoma pamusoro pekufanirwa kweRoth 401 (k).

Roth 403 (b)

Kana ukashanda kune risina purofiti kana chikoro, ungave wakamboona Roth 403 (b) mune zvekuregererwa kwekambani yako. Sezvo 403 (b) inoshanda sa 401 (k), Roth 403 (b) inoshanda seRoth 401 (k). Saka iwe unogona kuita zvisarudzo zvako sezvaunoda dai iwe waive neRoth 401 (k).

Kubatsirwa kweRoth 401 (k)

Kana iwe uchifunga kuti mitero yako ichave yakakwirira mukurega kupfuura iyo nhasi, Roth 401 (k) inoita zvakawanda. Iwe unobhadhara mutero wakaderera mutero pamari yako yekutsvaga ikozvino, uye hapana mutero mune ramangwana. Kune vanhu vane ruzivo vasina kukodzera kuwana tsika yeRoth IRA-vasina kuroorwa nevakashandurwa mari yakawanda yakagadziriswa yakawanda kupfuura $ 135 000 muna 2018 havana kukodzera, sezvinoitwa nevaroorana vachibatana pamwe chete vachiita zvinopfuura $ 199 000 muna 2018-Roth 401 (k) inzira yakanaka kuti apinde muurongwa hwemutoro wekusununguka. Nechetsika 401 (k), paunodzinga mari paunenge uchirega basa, iwe uchabhadhara mutero wekutengesa pakati pe10% ne37% kana kupfuura zvichienderana nebhaketi yako yemutero . Iwe haugoni kufanotaura kuti mitero inotungamira mune ramangwana, asi kana iwe unofunga kuti uri mune yepamusoro bhakisi yemutero munguva yekubatira kwako makore, Roth 401 (k) inogona kuwedzera kunzwisisa.

Vechidiki vasati vasimbiswa mumabasa avo vanowanzoona kuti mitero yavo inomuka mune ramangwana, izvo zvinoita kuti Roth 401 (k) kana Roth IRA ive nzira yakanakire yekudzivirira pamitero inotevera. Asi kana iwe uri kuita mari yakawanda yemari zvino uye tarisira kuti mutero wako wekuda kuregera zvakanyanya mukurambira, 401 nguva dzose (k) inogona kuva bheji iri nani.

Zvinyorwa zveRoth 401 (k)

Asi usati wasara zvose zvawakachengetedza muRoth 401 (k), funga nezvekuvhiringidza kwavo kukuru kana zvichienzaniswa ne 401 (k): mushure mekubhadhara mutero. Neyetsika 401 (k), zvipo zvinogadzirwa kusati kwabhadhara, naizvozvo hapana dhora-ye-dollar inowanikwa pamari yako. A 401 (k) inokupawo nzira yakanakisisa yokuderedza mari yako inotengesa uye iwe unotora mari yemutero usinganzwi urombo hwemari. Kubvira Roth 401 (k) zvipo zvinowanikwa mushure mekutora mitero, mubhadharo wako unotora kukura kukuru. Ona musiyano uchishandisa mutsika 401 (k) vs. Roth 401 (k) kuverenga.

Zvinyorwa zveRoth 401 (k) s

Zvimwe kunze kwekukura kwemashure emitero, basa raRoth 401 (k) rakawanda rakafanana neyakazara 401 (k) s. Paunobva kune rimwe basa kune rimwe, iwe unogona kuva nesarudzo yekuchengeta Roth 401 (k) pane iyo yaimbova mushandirwi, kuti uiendese muurongwa hwevashandirwi vako kana Roth 401 (k) inopiwa ikoko, kana kuti chiendese mu rollover Roth IRA, paunenge uchitungamirirwa nemitemo imwechete yekudzorera.

Chii Unofanira Kuita?

Iwe unogona kugovera kune zvose 401 (k) uye Roth 401 (k), asi miganhu yemipiro ndeyezvikamu zvakabatana. Saka iwe unofanirwa kutamisa zvimwe zve 401 (k) zvipo kune Roth 401 (k) here? Zvinonyanya kubva pane mitero inokurukurwa pamusoro apa. Iwe unogona kunge uchida kuramba uchiine chinangwa chekuwedzera mazvipo kune 405 yako nguva dzose (k), uye uzviwanire iwe Roth IRA isina kubhadharwa nemushandi. Kana iwe usingafungiri kupa mari inopfuura madhora 5 500 kusvika ku $ 6 500, Roth IRA inowanzopa zvikomborero zvakafanana zvaunogona kuwana neRoth 401 (k). Kana iwe unokwanisa kugovera kumarudzi ose maviri ekuregeresa mabhuku, 401 (k) uye Roth IRA kusanganiswa kunoita kuti uve nepfungwa dzakawanda pamusoro pemari yepamusoro.

Vanopfuura 50% vevashandi vakuru vanopa Roth 401 (k). Kana iwe uri kunyanya kufarira muRoth 401 (k) chisarudzo uye mushandi wako haasi kupa iye zvino, vakuudze kuti vawedzere. Izvo hazvikuvadzi, uye ndeimwe yekusarudzwa kwekutsvaga iyo inogona kukubatsira iwe kugadzira ramangwana rine ramangwana rakanaka mune zvekurega basa.

Zviri pamusoro pepaiti ino zvinopa ruzivo uye zvinokurukurwa chete, uye hazvifaniri kuva chikonzero chezvisarudzo zvako zvekutsvaga. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.