Kushandisa Individual Roth 401 (k) seA Self-Employed Tax Shelter

Nzira Yekuti Mabhizimisi Maduku Uye Vashandi Vanokwanisa Kuwedzera Kuda Kwadzo Portfolio

Kwemakore gumi apfuura, Congress yakagamuchira kusikwa kwechimwe chitsva che 401 (k) chirongwa chinonzi Roth 401 (k). Sezvaungangodaro wakafungidzira, izvi zvakagadzirirwa kuumba 401 (k) yakaenzana neRoth IRA , iyo iyo inowanikwa mubhadhadziro inobatsira mushure mekubhadhara mari (pasina kubvisa mutero), asi, mukuchinjana, haazombotori mutero zvakare chero ipi zvayo inowanikwa muhomwe , zvikwereti , chido, kana kubuda kwekambani kubva mubhuku rakapiwa mitemo inoteverwa uye hapachina mamiriro ekugadzirisa kwemukati panguva ino.

Kunyange zvazvo zvingaita sokuti zvinotyisa, uku kusiyana kunoreva kuti Roth 401 (k) iri, nokuda kwezvinangwa zvose uye zvinangwa, chimwe chezvivako zvepamusoro zvakanyanya zvakagadzirirwa munhoroondo yeUnited States. Hapana chinosvika kukubvumira kuti iwe urege mari yakawanda kudaro, kuirima iyo kwemakumi emakore, uye zvino urarame kubva pamari yekusarura pasina kutumira chero chinhu kune hurumende kana hurumende dzehurumende zvakare. Kune vanhu vanozvishanda uye avo vakaroorana vanoshanda vasingashandisi vashandi, vachigadzira kune anonzi "Mumwe-Mutevedzeri Roth 401 (k) Purogiramu", kana kuti inowanzozivikanwa seIvidual Roth 401 (k), inogona kuva imwe ye upfumi hunoshamisa zvikuru kuvaka zvivako mu arsenal.

Chii Chiri Yega Roth 401 (k) Ronga?

Nokuda kwezvinangwa zvose uye zvinangwa, Munhu mumwechete Roth 401 (k) chirongwa chakafanana neRoth 401 (k) hurongwa hwakagadzirwa nebhizimisi kunze kwekuti munhu anozvishanda haana mushandi. Izvi zvinoita kuti zvibvirire kudzivisa matambudziko akadai anonzi "kuongororwa kwekusarura", izvo zvinosanganisira kuverenga mafomu kuitira kuti uve nechokwadi chokuti hauri kufarira vatungamiri vakakurudzirwa; chikonzero chekufungidzira iwe, uye zvichida wako wako, ndivo chete vanobatanidzwa.

Izvo zvakakodzerwa nevarume vanozvishanda nevadzimai avo vane bhizinesi duku risina vashandi, vanoita basa rakawanda rekuzvipira, vanoita mari kubva pakubvunzurudza, kana kuti zvimwe vanoita basa rinoita kuti vawane mari. Kusiyana nemakwikwi ayo ari pedyo, SEP-IRA , iyo dzimwe nguva inonzi "Self-Employed 401 (k)" inoita kuti zvikwanisike kuisa mari pfupi mari imwe neimwe kwemwedzi gumi nemiviri nekuda kwenzira iyo mupiro wemiganhu uye kuenzanirana kunoverengwa.

Muenzaniso wekuti Roth 401 (k) Ronga Mabasa

Kuratidza kuti izvi zvakanyanya kuve zvakanyanya sei kune vanopisa simba uye vanoita zvekutsvaga mari: Pasi pemamiriro ezvinhu akanaka, vakaroorana vanobudirira muna 2015 vanogona kuisa $ 106,000 pakati pevaviri vavo mumatero aya emitero. Nokuda kwemaonero, fungidzira murume ane simba nemudzimai, wemakore makumi matatu, avo vari pamusoro pekugoverwa kwemari . Vanogadzira hurongwa hwavo hutsva hwekurega basa uye vanobhadhara, vachiwana mukana wakanaka wekudzoka pamari yavo gore negore kwemakore makumi matatu, vasingambotadzi mumwe weRoth 401 (k) mupiro. Kunyatsorega kukanganisa kunogona kuitika mune ramangwana mumipiro yemipiro pamwe nezvo zvinonzi "zvikwereti" zvipo zvinobvumira ivo makore makumi mashanu kana kupfuura kuti vape mari yakawanda gore roga roga, panguva yavakasvitsa 65, vangadai vakagara $ 28,728,583 muhupfumi husina mutero. Nekufungidzira kuti 3% mugoverwa wekugoverwa , vangadai vachinge vaunganidza madhora 861,857 mumari inowanikwa gore negore. Vangagona kubvisa mari uye, pasi pemitemo yemazuva ano, mutero wavo wekutengesa hauzovi chinhu. Zero. Tiri kutaura nezve $ 71,821 + pamwedzi muchitonhorera, mvura, mari mari uye hapana yaro inopinda kuDhipatimendi reHarare. Kana vaida, vaigona kukwikwidza nhoroondo yose uye vashandise vose vakuru, zvakare.

(Zvechokwadi, iwe unoda kuita kugadziriswa kwemazana ekuenzanisa kuenzanisa simba rekutenga rakaenzana nemakore makumi matatu nemashanu kubva ipapo asi ichiripo mari yakawanda ichiuya seawa.)

Iyi pfuma-kuvaka-on-steroid inosanganisira yega Individual Roth 401 (k) inonetseka kune dzimwe nhengo dzeCongress uye kunyange mutungamiri Obama, avo vaida kuisa miganhu pamabhadharo ebhuku raunogona kuchengeta mukati meRoth IRA yako kana mamwe mabhuku ekurega, zvimwe kuripa pa $ 3,000,000 . Izvo zvematongerwe enyika hazvina kumbovapo kuti zviite, zvakadaro, asi izvo zvinogona kuchinja saka ingozi yaunoda kuifunga. Kunyange zvakadaro, iwe ungangodaro uri nani pane iwe iwe ungadai usina kunge wakanga usati wakashandisa Individual Roth 401 (k) senzira yepamutemo yawakabata nayo chipupu chako chebhuruu . Chirevo chikave chichatova chakanaka, inongova nyaya yekuti inotapira sei.

Zvinyorwa zveVashandi Vanodikanwa Vanoda Kuisa Munhu Mumwe Roth 401 (k)

Kunyange zvazvo kazhinji sarudzo yakanakisisa kana iwe uchikodzera, pane zvinhu zvishoma zvinoita kuti munhu mumwe nomumwe Roth 401 (k) zvishoma zvishoma kupfuura zvakakwana. Izvi zvinosanganisira:

• Kutanga Munhu Mumwechete Roth 401 (k) chirongwa chinogona kunge chiine mapepa ekutanga. Zvakakosha.
• An Individual Roth 401 (k), kusiyana neRoth IRA, inoda kuparidzirwa kwemvumo kana uchisvika makore makumi manomwe nemakore mashanu. Zvisinei, iwe unogona kukwira pamusoro peWovidual Roth 401 (k) nhumbi yako kuRoth IRA yako kana iwe usisashandisi, uchitarisa zvakapoteredza izvi. Iwe zvachose haufaniri kuedza sarudzo yakadaro usingatauri nemudzidzisi ane mutero unofanirwa kuve akakwanisa kugonesa mukunyora kuti kana kwete here kuitika mumamiriro ako ezvinhu.
• IRoth yemitero inobatsira yaizopera muna 2010 asi Congress yakasarudza kuiwedzera muPension Protection Act ya2006. Zvinodaro kuti purogiramu yacho inogona kupedza rimwe zuva asi iyo haifaniri kubvisa zvizhinji zvekunakidzwa kwaunoita iye zvino Munhu mumwechete Roth 401 (k) achiri nani kudarika iyo nguva dzose, yakajeka-vanilla rekwereti yekodha .
• Kwete dzose dzimba dzekutengeserana dzinopa Individual Roth 401 (k) michina, sezvinoshamisa sezvinonzwika nhasi uye makore. Panguva ino, E-Trade uye Vanguard vanoita asi Charles Schwab, imwe yeimba huru dzekutengeserana munyika, haiti! Apo ndaitaura nemumiririri wevashandi pamusangano, vaisagona kupa chero mutungamiri wekuti sei vatungamiri vainge vasina kurega kupa nzvimbo yakadaro yekusabhadhara mutero apo vazhinji vakwikwidza vakaita, uye havana kusimbisa kuti vaiva nechinangwa chekuita saizvozvo mune ramangwana. Zvakare, izvi hazvirevi zvakanyanya kune zvimwe kunze kwekugona kukanganisa zvinhu zvako kune mamwe masangano emari.
• Iwe haugone kuchinja pfungwa dzako pamusoro peRoth 401 (k) zvipo, uchizviendesa kune dzako zvetsika 401 (k) uye kutora mutengo wokubhadhara mutero, gare gare. Kana zvangoitika zvaitwa. Icho chinhu chakanaka mukutora nguva refu, zvakadaro, saka ndinorumbidza kubvuma izvi pasina kunyunyuta kukuru. Ichi hachisi dambudziko.
• Pasi pemitemo yakawanda, mumwe munhu Roth 401 (k) anoronga nemadhora anodarika madhora mazana maviri nemakumi maviri emadhora muzvinhu zvinoda gore re IRS kuiswa paFomu 5500-SF. Iwe unowana chimiro kubva kuDhipatimendi reMabasa uye, ikozvino, mapeji matatu chete. Hungu, marwadzo asi haisi basa shoma rimwe nerimwe gore rimwe nerimwe rinokosha kuchengetedza zviuru, kana mamiriyoni, emadhora emhuri yako yemhuri yakakosha kubva mumaoko evezvematongerwe enyika vachaipedza?

Pasinei, ndinopikisa kuti ani nani anogona kushandisa zvinyorwa izvi zvemitero zvichida anofanira. Pachinyanya kukosha, inorambidza musangano pamwe nemudzidzisi wako wepamitero akakodzera kuti ukurukure zvakanyanya nyaya yacho. Migumisiro maererano nemadhora chaiwo-nyika uye masendi akadzika.