Iwe Haufaniri Kusarudza Pakati peRoth IRA uye Mutual Fund
Kusiyana nehurumende yekutengeserana, Roth IRA haisi rudzi rwekutsvaga mari.
A Roth IRA rudzi rwekambani. Iwe unogona kuchengetedza mazvikwereti zvakadai sematokisi , zvisungo , mari, uye, hongu, kunyange mari pamwe , mukati meRoth IRA.
Mhando dzakasiyana dzemasangano anopa maBhaibheri avo eRoth IRA. A Roth IRA kubva kumuchengesi wemari yakadai saCharles Schwab inokubvumira kutenga chero zvipi zvese zvekutsvaga, kusanganisira mabato akatototaurwa, zvisungo, uye mutengo wemari. A Roth IRA kubva kubhangi ingangokubvumira kuti iwe utenge zvigwaro zvemari kana mari yekutengeswa kwemari. A Roth IRA yekambani yehurumende yekutengeserana ingangove yakangokutenderai kutenga mutengo wemari inopiwa ne mutual fund company pachayo.
Kuti ikubatsire kunzwisisa kuti nei pfungwa yose yeRoth IRA nemari yekubatana mari isingasviki, ndichaenda kukumhanya nemimwe mamiriro ezvinhu. Nokuona kuti munhu anodyara sei angazarura imwe yezvikwereti zvakabhadhara mitero munyika chaiyo, unogona kukwanisa kunzwisisa zviri nani.
Nheyo dzeRoti IRA Inoshanda Sei?
A Roth IRA inoratidziro yebasa rekusunungurwa rakagadzirwa neCongress. Inopesana neChechi yeIra nenzira dzinoverengeka dzinokosha . Gore roga rega, Congress inokubvumira kuisa pane imwe mari yakawanda, kusvika kune yakakwirira iyo inozivikanwa se "muganhu wemiganhu". Ini ndichishandisa mitsara yeRoth IRA inowanikwa ichangopfuura, iyo iri $ 5 500 pamunhu chero ani zvake makore makumi mana kana anodarika uye $ 6,500 pamunhu chero ani zvake makore makumi mashanu kana kupfuura.
Chero mari yaunobatsira kuRoth IRA, kusvika pahupamhi hwegore rakapiwa, haisi mutero wakabviswa. Nenzira iyi, zvakangofanana nekuiwedzera kuari yekuchengetedza. Kune rumwe rutivi, zvinenge zvinyorwa zvose zvemari mukati meRoth IRA, kusanganisira zvikamu, chikwereti, mari inowanikwa, uye mune dzimwe nguva, zvikwereti , hazvina mutero zvachose. Mukutsinhana nokuda kwechiitiko ichi chinonakidza, haubvumirwi kubvisa purogiramu kusvikira wava nemakore 59.5 kunze kwekunge iwe uchinge uchinge unosangana neimwe yezvikwereti zvakawanda . Kana zvisina kudaro, iwe uchazununguswa ne 10% yemutero wekutengesa.
Ngatimbofungidzira kuti munguva yehupenyu hwako hwose, iwe nokungwara uye nekubudirira kuisa mari muRoth IRA. Iwe unopedzisira uine $ 5,000,000 munhoroondo uye urichengetedze yose muzvisungo zvehurumende panguva yavari kubhadhara 7.5% kwemakore gumi ekuberekwa. Iwe unenge uchiunganidza $ 375,000 muzvibereko gore negore mukati meRoth IRA yako. Pasi pemitemo yemazuva ano, chero bedzi maive nemakore 59.5 kana kupfuura, munogona kubvisa mari iyoyo - yese $ 375,000 - uye musambobhadhara penny imwe mumitero. Kana, kana iwe uchida, iwe unogona kubvisa mari yose ye $ 5,000,000 yemutero-pasina (asi izvi zvingava kukanganisa sezvo zviri nani kuchengetedza mari mukati mekudzivirirwa kunotora Roth IRA uye kungotora mari yekuwana mari sezvaunenge uchida) .
Ichi ndicho chikonzero Roth IRA iri, maoko pasi, iyo yakanakisisa iripo inowanikwa kuvashambadzi vashoma.
Congress haina kuda kuti munhu wese ave nekodzero yekuwana Roth IRA saka inogadzirisa mitemo yemhuri pamakodzero. Kana iwe usina kuroorwa uye ukaita kudarika $ 133,000 pagore, hauna kukodzera kupa mari kuRoth IRA pasi pemitemo. Kana iwe wakaroorana, kuisa pamwe chete, mari yacho ndeye $ 196,000. Ichi ndicho chikonzero chisingabatsiri nokuti kana iwe ukawira munharaunda iyi, iwe unogona kungoita sangano kuChechi yeIra, iyo isina mvumo yekuwana mari, ndokuiendesa kuRoth IRA. Icho chiduku chemapepanhau matambudziko asi mamwe masangano emari anozviita kazhinji kechipiri chimiro. Izvi zvinozivikanwa se "Backdoor Roth IRA".
Kuvhura Roth IRA paBhangi kana Credit Union
Ezeze inofamba ichienda kunharaunda yekodha yemunharaunda uye inotanga Roth IRA.
Iko chikwereti chebato hachina chikamu chekutsvaga mari saka zvinomubvumira kuti apiwe mari iyo zvikwangwani zvekuisa kana kuti yemari yemari yemari. Haakwanisi kutenga chero mashizha, zvibvumirano, mari pamwe chete, kana zvivako kuburikidza neizvi Roth IRA nokuti servicer (chikwereti chebvumirano) haisi kuipa iyo pakati pemabasa ayo akapiwa.
Kuita kuti zvive zvakaoma, mamwe, asi kwete ose, mabhandi nemakambani emakwereti anewo kugoverana kwemarikiti inokubvumira kutenga zvikwereti zveRoth IRA yako inosanganisira mashizha, zvisungo, uye mutengo wemari kubva kune dzimwe makambani. Wells Fargo neBhange reAmerica, nenzira yekufananidzira, vanopinda mumusasa uyu.
Kuvhura Roth IRA Zvakananga neMutual Fund Company
Erston anosarudza kuti anoda kutenga zvigaro zveTweedy Browne Global Value Fund, chiratidzo chechirwere che TBGVX. Anoenda kune webhusaiti yekambani yekambani, anotora chikumbiro, anoongorora bhokisi re "Roth IRA", uye anonyora cheki ye $ 5 500, iyo ndiyo yakareba iyo inobvumirwa kugovera muna 2017 sezvo iine makore 33 chete. Sangano re mutual fund rinotanga Roth IRA nokuda kwake, asi mari chete iyo iyo akaunti inogona kubata ndiyo mitsva yemari inotungamirirwa naTweedy, Browne & Co., LLC, mutual fund manager. Kana iye aida kutenga chikamu cheVanguard S & P 500 Index Fund kana Coca-Cola, haasisina hanya.
Kungofanana nemabhangi uye zvikwereti zvezvikwereti, zvimwe, asi kwete zvose, makambani ehurumende pamwe chete ane zvikwereti zvekutengeserana zvinokubvumira kutenga zviwanikwa zveRoth IRA yako inosanganisira mashizha, zvisungo, uye mutengo wemari kubva kune mamwe makambani. Vanguard uye Kuvimbika, nenzira yekufananidzira, vanopinda mumusasa uyu.
Kuvhura IRoth IRA kuburikidza neChite Stock Purchase Plan
Mushure mekufunga kukuru, Judha anosarudza pfungwa dzake uye anosarudza kupedza nguva yose yeupenyu hwake kutenga zvigaro zveThe Coca-Cola Company uye anovatora vasina mutero neRoth IRA. Haadi kuisa mari mune imwe mimwe midziyo kana mutual fund, saka anonyora pasi kune chirongwa chakakwana chekutenga, izvo zvine Roth IRA sarudzo. Mushure mokunge tapedzisa chikumbiro, kuzarura kambani, uye nekugadzira kuwirirana pakati pekuona kwekambani yake neRoth IRA, mutungamiriri mukuru wekudhakwa anotanga kutora mwedzi wega wega kubvisa mari kubva kubhuku rake rekuongorora kuti atenge zvimwe zvikamu zveCoca-Cola pamutengo wakaderera; kazhinji zvisingasviki $ 2 nekutengesa. Haamboregi chero mitero pamakambani ake aK Coca-Cola nokuti mari yacho inowanikwa muRoth IRA.
Kuzarura IRR IRA kuburikidza neBurkerage Firm
Zvichida sarudzo inonyanyozivikanwa, ndeyokuzarura Roth IRA nekambani yakatengeserana yakaita saCharles Schwab, E-Trade, kana TD Ameritrade. Inoshanda zvakanyatsofanana nekuzarura kamba yekodha yemari . Zvine zvishoma zvishoma, unogona kutenga chero chikwama chaunoda, chero chisungo chaunoda, chero mari yekutengeserana yaunoda, kana chero shanduko yekutengeserana mari yaunoda, kazhinji kune komiti yakanaka pasi pe $ 10 pamabhizimisi. Iwe unogona kuva neRoth IRA muSchwab iyo yakabata Vanguard mari, nhengo dzeGener Electric, uye zvimwe zvigwaro zvekubhadhara zvakabudiswa nebhangi muhurumende yako. Mukuwedzera pakunakidzwa nekuva neruzivo rwekuve neruzivo rwako rose pane imwe nhaurwa yekambani, vakawanda vatengesi vachadzorera zvikamu zvenyu zvekusununguka.