Enzanisa Kubhadharwa Nhoroondo dzeAkodhi neChechi Iras uye Roth IRAs
Kuwana iyo yakanakisisa yerudzi rwemari yekuchengetedza kwako uye zvinangwa zvekutsvaga mari haifaniri kunge yakaoma.
Heino kutyisa kwekutanga pane uye nei iwe uchifanira kuisa mamwe mazita eakaiti pane vamwe:
Ndeipi Iyo Yakanakisisa Kushandisa Nhoroondo dzeAkatable?
Nhoroondo dzebhadharo hazviwani rudo rukuru kubva kune vhidhiyo. Kungofanirwa kwekuti "kutengesa" kunokonzera kufunganya, kushungurudzika uye kugumbukira mupfungwa dzevatengesi pose pose. Asi mabheji-akaremberedzwa maakaunti, akadai semadzitateguru eIRAs neRoth IRAs anowanikwawo, kunyange zvazvo paanosiya.
Pane zvikonzero zvakasiyana-siyana zvekushandisa mabhizimisi anotengesa. Somuenzaniso, kana uri kuchengetedza kubhadhara uye iwe unofunga kuti ungada zvimwe zvekuchengetedza kwenguva refu musati wava nemakore 59 1/2, unogona kudzivisa 10% "kutanga kutora chirango" uye chengetedza IRAs yako kukura kana iwe uchingopinda iyo maakaiti ako anotengesa panzvimbo.
Uyezve, kubvisa kubva kumabhadharekiti anokweretwa kunongorayirwa chete pane zvakakosha zvekutsvaga, panzvimbo pekuregererwa kwose kwakafanana neye tsika dzeIRA kana kuti dzisina kukodzera kubuda kubva kuRoth IRAs.
Kubhadhara kwenguva yakareba pamabhadharekemu akanyorwa anokweretwa ne15%.
Panyaya iyi, nhoroondo dzekodzero dzinopa zvinonzi kutengesa mutero , izvo zvinoderedza ngozi mukuparadzira kuchengetedza uye mari yekutsvaga pakati pemhando dzakasiyana dzeakaunti. Somuenzaniso, "njodzi" pano ndeyokuti hapana munhu anogona kufanotaura nenzira yakarurama kuti mitero yemitero kana mitemo yemitero ichaita makore 10, 20 ne30 kubva ikozvino.
Mitero Inotengesa Mitero vs Traditional IRAs uye Roth IRAs
Chimwe chikonzero chekushandisa mabhadharekiti anokonzerwa ndeyekuti iwe unogona kunge usina kukodzera kuisa muIRA. Kazhinji, unofanira kunge wakawana mari yekuchengeta mari muIRA. Saka, kana iwe usina basa, iwe haugoni kupa. Ichi ndicho chikonzero vanhu vakuru vanogona kuzarura kambani yekuchengetedza mari yevana vaduku, kazhinji nokuda kwechinangwa chekuchengetedza koroji, pasi peUniform Transfer ku Minors Act ( UTMA ).
Vamwe vanhu vane dambudziko rekushaya kukwanisa kupa IRA nokuti vanoita mari yakawanda kana kuti vane mari yakawanda yekuchengetedza kunze kwemiganhu yemipiro yegore ye 401 (k) s uye IRAs. Kune mupi wemari yakawanda-inoti, mumwe munhu anowana mari inopfuura $ 250,000 pagore - iyo yakabatanidzwa $ 23,500 inogona kuisa mu 401 (k) s uye IRAs haisi kunyange 10 muzana yemari yavo. Ndiko kufunga kuti vanofanirwa neIRA uye vari pasi pezera remakore makumi mashanu.
Kudzokera kumigumisiro yemitero yekusimbisa mutero, munhu wechiduku kana murume nemudzimai vechidiki nhasi vanochengetedza basa rekurega basa iro makore makumi maviri kana makumi matatu kubva nhasi vanogona kusarudza tsika yeIRA (kusati yatereta mari) nokuti vanofunga kuti vachava mubhaketi yakaderera kusununguka pane zvavari panguva yekuunganidza kwavo makore. Pfungwa iyi ndeyokutarisa mitero ikozvino pamutengo wepamusoro uye kuvabhadhara gare gare pamutengo wakaderera.
Asi pamusana pekubatanidzwa kwekuwedzera mari, kutengesa kwenyika uye kukwanisa kukuru kwehurumende yepamusoro mitero yemakore makumi maviri kana makumi matatu kubva zvino, munhu wechidiki kana kuti vaviri vanogona kuguma muBACKER tax bracket panguva yekurega!
Paunenge Uchishandisa Chinyorwa Chimwe Chekuchengetedza Kana Kubhadhara Mutero weAkaunti Ndeye Smart
Ichi ndicho chikonzero ndakashamisika kana tsika yeIRA yakafa uye ndeyekuti nei mutero conundrum chikamu chekukwezva kwekushandisa Roth IRA uye / kana yekodha yakabhadhara kana zvose zviri zviviri. Kunze kwekunge iwe uchiziva nechokwadi kuti iwe uchava mubhasikiti yepamusoro pakubhadhara mari pane iwe uri mumakore ekuchengetedza kwako, unofanira kushandisa mari yekuchengetedza uye yekutsvaga kunze kwe 401 (k) uye tsika dzeIRAs.
Nzira yakagadziriswa yekuchengetedza kwenguva refu ndeyokutanga kupa chikwereti kune 401 (k) chete kusvika pamari yaunoshandira. Somuenzaniso, kana vachienzanisa masentimita makumi mashanu emadhora ose munopa chikamu kusvika kusvika 6 kubva muzana yemari yekubhadhara, uye inopa 6% chete kuwana rubatsiro rwakakosha.
Zvadaro, zvipira kusvika kuwandu hwemari muRoth IRA, iyo iri $ 5 500 muna 2015 kana $ 6 500 kuvanhu vane makore makumi mashanu kana kupfuura.
Kana iwe uchikwanisa kuchengetedza zvakawanda, shandisa kambani yakabhadharwa yekambani kana yekambani yekubatana kwekwereti uye chengetedza zvakawanda zvingagona. Kana uchinge wava munenge makore gumi kana gumi kubva pamakore ekusiya basa, iwe unogona kufunga nezvekuderedza mari yeRoth uye kuwedzera mishonga inobhadhara mari, kunyanya kana iwe uchifunga kuti unogona kubvisa pamba (asati ava nemakore 59 1/2).
Iye zvino danho rinotevera nderokudzidza kuti ndeipi iyo yakanakisisa yekutsvaga mabhadharo emakambani anotengesa uye iyo ndiyo yakanakisisa yekutsvaga mari yeIRAs .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra mazano ekubhadhara kana mazano ekutenga kana kutengesa zvigumisiro.