Mamwe Mashoko eRoth 401k
Kana iwe uine ruzivo nemipiro yemaitiro 401k, inogona kubatsira kuenzanisa nekusiyana .
Kwemazana makumi emakore, zvirongwa zvema 401k zvakabvumira kusabhadhara mitero (kana tsika) kuchirongwa. Mipiro iyoyo yakaderedza mari yako inotengesa, iyo inogona kuita kuti zvive nyore kugovera (kana kuti ingakubatsira iwe kubhadhara pamutengo wakaderera, kana iwe wakaguma uri muchikwata chezasi paunotora basa). Zvisinei, nokuti mari yemadzitateguru haina kumbobhadharwa, IRS inoda kuti iwe ubhadhara mutero pamari yose yakatorwa kubva kune dzimwe nhoroondo dzepamutemo (zvichida iwe uchaita izvi mukurasira, kunyange iwe ungabvisa kare - izvo zvingaguma nemimwe mitero uye zvikwereti ).
Muna 2006, mitemo yakachinja kuti ipe zvipo zveRoth 401k. Kufanana nemipiro yemagariro, zvipo zveRoth zvinobuda muhomwe yako. Zvisinei, haasi kuderedza mari yako inotengesa. Iwe uchabhadhara zvakawandisa mutero unobhadhara mari kana iwe ukaisa mari iri muRoth 401k kana iwe uisa mari yacho kubhengi yako yebhangi.
Sezvakanyorwa neakawanda mabhadharo, iwe haufaniri kubhadhara mitero pamari yepakati yebhuku gore negore.
Roth 401k Mitsara
Muganhu wemipiro yeRoth 401k yakangofanana nemitambo yemitambo 401k. Muna 2016, huwandu hwaunogona kugovera ku 401k (sekubhadhara mubhadharo) ndeye $ 18,000. Iwe unogona kuita zvose izvi seRoth, zvose zvayo sechetsika, kana iwe unogona kuita chikamu chega roga. Kana iwe uri pamusoro pemakore makumi mashanu, unogona kuwedzera $ 6,000 pagore.
Mushandi vs. Vashandi veDhora
Apo iwe unotora chikamu chemari yako kune 401k, iwe uri kuita "miriyoni yezvokubhadhara" mipiro (iyo inonziwo "mushandi" mipiro), uye iwe unogona kusarudza kana iwe uchida kuita tsika, Roth, kana mapoka ose maviri mipiro. Vashandi vako vangave vakakonzerawo chirongwa ichi uye kukubatsira iwe kuvaka imba yako yekuchengetedza mari. Mipiro iyo (iyo inogona kunge iri kuenderana nemipiro kana zvipo zvekugoverana kwezvikwereti) zvinoshandiswa sevashandi vemipiro. Mipiro yevashandi inowanzove "mishonga inotora mutero" muakaunti yako.
Inoita Sense kushandisa Roth here?
Roth 401k inongova sarudzo, uye zvinogona kana kuti zvingave zvisina kunaka. Taura nemutero wako wekubhadhara kana mutengi wemutero akakodzera usati waita chisarudzo chako.
Kana iwe uchidavira kuti mutero wemari inotora mari ichakwira mune ramangwana, Roth inogona kunge iri pfungwa yakanaka. Izvozvo zvinogona kuitika nekuda kwehuwandu-bhodhi yemutero inowedzera (mune mamwe mazwi, pamutengo wakafanana wemari, iwe unobhadhara mutero kune imwe yepamusoro mumakore gumi nemashanu), kana nekuda kwekufamba kwako mumatareji emitero.
Nenzira, kufungidzira kwaive kuti iwe uchava mubhaketi shoma shoma mukurasira: iwe unogona kurega kuwana mari kubva kubasa rako, uye iwe unenge uine mari shoma kubva kune Social Security (uye zvichida mubairo).
Kana izvozvo zvichitendeseka, Roth inogona kupedzisira yava kusakanganisika. Asi kunyange zvakadaro, hazvisi nyore - nyika inzvimbo yakaoma. Rudzi rwekambani yaunoshandisa inogona kuchinja mari yakawanda yeunowedzera pamitero yemitero, iyo inogona kukanganisa zvimwe zvinhu.
Hatigoni kuziva kuti chii chichaitika, saka iwe unofanirwa kuita mamwe mafungiro uye mazano ekudzidzira. Kana iwe usine chokwadi nenzira imwe chete kana imwe, iwe unogona kugara uchiparadzira mari yakapoteredza: ita mimwe michero yemagariro uye mamwe mapiro eRoth. Nenzira iyo, iwe uchange uine sarudzo yekukwevera kubva chero ipi neipi yebasa inoshanda zvakakunakira iwe panguva iyoyo.
Zvinonyanya kukosha: ruzivo rwepaiti ino runopiwa nekuda kwekutaura chete. Hazvifanirwe kushandiswa kuita zvisarudzo zvinokosha zvemari zvinogona kuva nemigumisiro inodhura. Ongorora neyanyanzvi unyanzvi neruzivo rwemamiriro ako ezvinhu usati waita chero zvisarudzo.