Batsira Zvizvarwa Zvemangwana Kuvaka Pfuma Imwe-Free neRoth IRA
Kana iwe uchida kubatsira mwana wako kuti awedzerwe pfuma yavo yekuvaka pfuma, imwe nzira yaunokwanisa kuita ndeyokuzarura Roth IRA yevana.
Pane zvinetso zvishoma zvaunoda kushanda kuti uzvikwekwe kubudirira, asi zvakakodzera kukosha. Mumaawa mashomanana anotevera, ndiri kuenda kutsanangura zvikonzero zvaungada kufunga nezveRoth IRA yevana, uye kuti unogona sei kuvandudza mararamiro ako ekubudirira kuti uite semashini emari, kubvisa zvinyorwa zvakawanda zvezvikamu, chikwereti, uye renti nenguva iyo mwana wako abvisa.
Iko Kubatsira Kwakawanda kweRoth IRA yevana Ndiyo Nguva
Sei mumwe munhu angavhiringidza kuzarura Roth IRA yevana? Nguva. Kunyanya, simba rekuwedzera . Kana iwe uchibudirira iwe uri, zviri nyore kuti uite zvekubatsira mhuri yako.
Fungidzira iwe uri chiremba wemazino akabudirira. Iwe unosarudza kuzarura Roth IRA kumwanakomana wako kana mwanasikana wako, uye kupa $ 500 pamwedzi mukati maro. Iwe unoshandisa mari iyi kuti uite mari inodhura-ine index fund inoratidzira Dow Jones Industrial Average kana S & P 500. Unowedzerazve zvikamu zvako zvose .
Apo mwana wako anoshanyira gumi nemasere, iwe unomuita kuti atore mari yekuita mari. Uyezve, chimbofungidzira kuti nhoroondo yacho inokura pamutengo wakafanana iwoyo mahedheni ane makore zana apfuura kana kupfuura. Iwe hauzotowedzera zvipo zvako kuti urambe uchifambidzana ne inflation .
Nenguva iyo mwana wako akazosvika kumusha wekusununguka, kana makore makumi matanhatu, kuti Roth IRA ingadai ine $ 29,362,244 mairi.
Kana vakamirira kusvikira vaine makore aWarren Buffett , ane makore makumi mapfumbamwe nemapfumbamwe ane makore makumi mana nemasere akaunganidza imwe yenhare yakawanda munhau kuburikidza nekambani yake yeBerkshire Hathaway, Roth IRA inenge ine $ 148,653,856.
Kana mwana wako akazoisa zvinhu zvose mubhuruu chip stocks nezvibereko zvakanaka, anokwanisa kuwedzera madhora 6,000,000 pagore, kana kuti $ 500,000 pamwedzi, nemari inowanikwa. Hapana penny imwe chete mumitero yemari inotora mari inokweretwa.
Chinoita Kuti Vanhu Vasatore Kubatsira Kwekukosha Kwemari yeMari uye Roth IRA yevana
Chikonzero chakakosha vanhu vanokundikana kushandisa simba rekuwedzera rekuda , iyo Albert Einstein yakadana simba guru pane zvose zviripo, kusina ruzivo. Mutevedzeri wemukomana haave nemafungiro ekuchengetedza $ 6,000 pagore pamusoro pemakore 82, kana $ 492,000 muhuwandu, zvinogona kutungamirira kune mari yakawanda inoda kusvika $ 150 mamiriyoni . Havanzwisisi kuti iwe unogona kuwana sei chikwereti pane zvaunofarira kana zvikamu pane zvikamu zvako. Hazvidzidzwi muzvikoro. Hazvibvumbwi nguva dzose mumachechi. Haisi kubudiswa paTV. Zvinoratidzika zvisina kunaka, kusvikira iwe uchiona kuti ndiyo tende yegoridhe inogona kuzarura suo roga roga uye kuvhara mikana yakazaruka iyo ingadai isina kuva kunze kwemhuri yako kusvika.
Zvose zvinotora kutarisa zvishoma iwe, mubereki. Ndinokutendai, mwana wenyu haafaniri kunge achishushikana nezvehurumende inoderedza Social Security. Havafaniri kumbofanira kunetseka nezvekudya kudya kwekaka kana kusina kupisa. Havafaniri kumbofanira kunetseka nezvekudzingwa kubva kumba kwavo, pfupi pane imwe nhamo yakaipisisa yakadai sekushandisa zvinodhaka, dambudziko rehutano, kana dambudziko rebhejera.
Pane Izvo Zvimwe Zvingaitika Kana Uchida Kuzarura Roth IRA yevana
Dambudziko guru raunotarisana naro kana iwe ukazarura Roth IRA yevana ndeyekuti mwana wako anoda kuwana mari. Izvi zvinoreva kuti, kana vakachengetedza madhora 6 000 pagore, ikozvino kwepamusoro pe2012 kune avo vanopfuura makore makumi mashanu, kuti mari haigoni kuva chipo. Vanofanira kunge vakazviita semari, vanyorera mutero wekubhadhara, uye vakabhadhara mitero yemari pairi.
Izvozvo zvingaratidzika sechinetso chemwedzi gumi nemana mucheche asi haisi seasingakundiki sezvaunofunga. Kana iwe kana nhengo yemumhuri mune bhizinesi, mubhadhare mwana kuti aite zvinotengeswa, kuti aonekwe mukudhinda kushambadzira, kana pamabhodhi. Ndeipi mari yemutero inokonzerwa iwe iwe unova mubereko kwavari, inotengesa pamwero wakaderera, uye inokosha iyo inogona kuisa kunze kwavo muRoth IRA yavo. Kana vachinge vawana vaduku, vashandise kuti vaite mabasa epamba kana kuti kuchera muchero. Pavanenge vachiri kuyaruka, regai vawane basa ravo rokutanga. Vaizokwanisa kuisa mubhadharo wavo wose muRoth IRA uye iwe unogona kuvapa kushandisa mari yekubhadhara mari yakaenzana nezvose zvavakabhadharwa.