IRA inopera mitemo inoshandiswa kumadzitateguru eIRAs, asi kwete kuRoth IRAs.
Maximum Age Limit Limiti yeIRA Contributions
- Roth IRA: Hapasina makore ekukwirira ekugadzira mupiro kuRoth IRA. Iwe unofanira kunge wakawana mari kunyange zvakadaro. Saka, kana wako kana wako wako asingashandisi saka iwe haugone kugovera kuRoth pasinei nezera.
- IRA yemaitiro: KuIra yeChechi, kana wawana gore raunenge wava nemakore 70 ½ iwe hausisiri kukwanisa kuita mhemberero yeMutambo IRA.
Kwete IRA Muganhu Wera paIRA Rollovers kana Transfers
Usavhiringidza zvipo zveIRA neIRA rollover kana transfe r. Vamwe vakasiya basa vachikanganisa vanofunga kuti havagoni kuzarura nhoroondo yeIRA vozogadzirisa mukana wavo wekugadzirisa penheji kana 401 (k) kuronga kuIRA nokuti inopfuura chikamu chezera reIRA. Izvi hazvina kururama!
Mupiro weIRA hausi chinhu chakafanana neIRA rollover kana IRA kutumirwa. Paunotamisa mari kubva kune imwe kambani inotsigirwa chirongwa chekurega basa, yakadai se 401 (k) kana 403 (b), zvakananga kuIRA, iyo inonzi rollover. Iwe unogona kuita izvi pane imwe nguva. Paunotumira mari kubva kune imwe IRA kune imwe IRA inonzi iRA yokutumira uye iwe unogona kuita izvi chero ipi zvayo.
Mupiro imari mitsva, iyo yakanga isati yakamboitika mune imwe nhoroondo yakabhadhara mitero, uye ikozvino uri kuiisa muIRA.
Iyo yepamusoro muchengeti wepamusoro paChechi yeIras inoshanda chete kune zvipo ; kwete rollovers kana kuendeswa.
Maererano ne IRS Retirement Plans Peji, "Iwe haugoni kupa zvipo zvezviitiko zvekare mutsika IRA mugore raunosvika 70½ nekure. Zvisinei, iwe unogona kugovera kuRoth IRA, uye kuita mari rollover kuRoth kana kuti tsika yeRRA pasinei nezera rako. "
Usanetsa Roth kutendeuka nemipiro zvimwe. Hakuna zera rekumucheto pamusana pekwanisi yako yekushandura Traditional IRA mari ku ROTH IRA . Iwe unogona kuita izvi pane imwe nguva.
Vakaroorana IRA Contributions
Vanhu vazhinji havazive kuti vanogona kuita mitezo yemudzimai kune IRA nokuda kweumwe asiri kushanda pamwe chete kana mumwe wenyu ane zvakakwana zvekuwana mari.
Somuenzaniso, ngatiti iwe wakasvika kumuganhu weChirungu weIra we70 ½ uye haugone kupa, asi wako wako akakukunda kupfuura iwe. Iwe unofanirwa kunge uchikwanisa kuita izvo zvinonzi Spousal IRA mupiro wavo kuMutambo IRA, iyo inogona kukubvumira kushandisa iko kubhadhara mutero kwechipo cheIRA. Mipiro yeIrasi yepabonde yeRRA IRAs inobvumidzwawo.
Minimum Age Limit for IRA Contributions
Iko hakusi muchengeti wepakati wezera yekuita chero rudzi rwemari yeIRA. Zvisinei, kuti uwane chikamu chekupa mupi weIRA iwe unofanira kunge wakagamuchira mari yakawanda yakaenzana kana kupfuura kudarika kwemupiro wako weIRA. Mari yakawana mari inowanikwa inobhadharwa kubhadhara mitero - mari kubva pamaripo yawakashandira.
Kuvana vaduku, semitemo yakawanda, mari inowanikwa kubva kumabasa epamba haaverengi, kunyange zvazvo kune nzira vana vanogona kuwana mari yakakwana iyo vabereki vanogona kubhadhara Roth kwavari.
Zvimwe Zera-Yakafanana IRA Mitemo
Pane mairi maviri anowirirana neARA anokonzera kuti vateereri vese veIRA vanofanira kuziva.
1. Makore 59 ½: iyi ndiyo nguva yaunokwanisa kuwana mari yako yeIRA uye kutora mari uye iyo IRA inotanga kubvisa mutero wemhosva haikwanise kushanda. Zvisinei, mitero yemari yemitero icharamba ichishanda. Uyu hutongi hwemakore makumi matanhatu nemashanu hutanhatu hunoshanda zvikuru kunyanya yeRitura IRAs. Roth IRAs inoshanda zvishoma zvakasiyana. NeRoth, iwe unogona kubvisa zvipo zvako chero nguva pasina kubvumidzwa kwezera - asi kana kuwanikwa kwekutsvaga kwekutsvaga kana kutendeuka kunodzingwa kunodzingwa zvino zvizvarwa zvezera kana nguva inogadziriswa inoshandiswa kuti uone kuti chikamu chipi chichakanganiswa.
2. Age 70/12: iyi ndiyo nguva yaunotanga kutora kutora mari kubva kuRitura IRAs uye yakawanda yekugadzirisa basa rekubvisa mari (yakadai 401 (k) s, 403 (b) s, SEPs, nezvimwewo).
Izvozvi zvinodzinga zvinonzi zvinoda kugoverwa zvishoma . Zvinotarisirwa zvishoma kudhiparirwa mitemo hazvirevi kuRoth IRAs paunenge uchiri mupenyu, zvisinei, zvinoshandiswa kuChitevedzwa Roth Accounts zvakapiwa muurongwa we 401k, uye dzinoshandiswa kuRoti IRA nhoroondo dzinotora nhaka.