Yako yepakati yemutero mutengo inobata mhinduro.
Kuedza kuziva kana iwe uchifanira kubhadhara Roth IRA kana kuti Traditional IRA?
NeRoth, iwe unoisa mari mushure mekutereta, inowedzera musero-pasina, uye iyo isingabhadhara mutero pakubviswa . Ne "chetsika" chirongwa chekurega basa chinopa zvipo iwe unowana kubhadhara mutero paunoisa mari yacho, vanowedzera mitero-inoderedzwa, uye iyo inobhadharwa painobviswa.
Saka chii chiri nani?
Pane imwe chete nzira yekuziva nayo chokwadi. Tarisa paunenge uripo parizvino mutero wehutano maererano newaunofungidzirwa mumatare emutero wekutora muhutano.
Ngatitarisei kuti nei kutengeserana kwemutero wako kwakakosha pakugadzirisa kuti rudzi rweiyo yekubatsira.
Chikonzero nei marginal tax rates ari anobatsira
Ngatiti iwe une imba ine chikwereti uye iwe itemize kubviswa gore negore. Funga kuti iwe unowanzova ne $ 18,000 pagore rezvakabviswa zvayo. Kushandisa 2016 mutero wemitero yevakaroorana vakaroorana pamwe chete izvi zvinoreva:
- Iwe hauzobhadhara mutero pa $ 18,000 yekutanga yekusabhadhara mari.
- Mari inotevera 18,550 yemari inotengesa inotambirwa inotengesa pa 10%.
- Mari inotevera 18,551 kusvika ku $ 75,300 yemari inotengesa inotengesa pa 15%.
Iye zvino ngatitii iwe nemumwe wako mubatanidza $ 72,000 pagore.
- Iwe haubhadhara mutero pa $ 18,000 yekutanga nekuda kwezvakabviswa zvako, naizvozvo iwe une $ 52,000 yemari inotengesa.
- $ 18,550 yemari yako inotengesa inobhadharwa pa10% uye inotevera $ 35 450 inoteresa pa15%.
Kana iwe ukaisa $ 5,000 mumutambo weIRA kana 401 (k) iyo inokuchengetedza $ 750 yemutero wemutero gore rino mugore re15%.
Asi chii chaunotora mutero iwe kana iwe uchibvisa mari iyoyo pane imwe nguva munguva yemberi? Somuenzaniso, iwe unogona kunge uri mu25% yemutero wekutora mubasa rekurega basa, izvo zvinoreva kuti iwe uchabhadhara madhora mazana maviri nemakumi mashanu emitero pairi $ 5,000 paunenge uchibvisa.
Kana iwe uchifunga kuti mutero wako unogona kunge wakareba mune ramangwana apo mari inobviswa yekubvisa mari inogona kunge isina nzira yakarurama yekuenda nayo.
Hazvina musoro kuti uchengetedze 15% pamitero kana iwe ukaisa mari yacho, asi ubhadhe 25% pamitero kana iwe uchiitora. Icho hachisi chakanaka kufamba!
Kubhadhara mutero kunobatsira
Chimwe chekugadzirisa mutero gore roga roga kunogona kukubatsira kuti uone kuti ndeupi mupiro wemukana wakanaka. Ngatitarisei muenzaniso.
Laura mujeri wemuimba, makore makumi mashanu. Mari yake inowirirana gore negore. Anobhadhara tsika yeIrasi gore rega rega (rubatsiro rwakabviswa) kuitira kuti anogona kuchengetedza zvakanyanya sezvinobvira pamitero ... kana kuti iye anofunga.
Sezvo hupfumi hwakanonoka, mari yaLaura yaive yakaderera pane yaive iyo paakatanga chirongwa chake cheIRA chenguva dzose. Laura akasarudza kuita imwe sarudzo yemitero uye akamhanyira kuongororwa kwemitero. Akanga ane mari yakawanda yokudhura mari yebhizimisi, uye akakwanisa kuitora zvitsva zvake. Aifungidzira kuti akanga asingazobhadhara mari yemutero wegore, gore roga roga. Chipo chakapiwa kana chidimbu cheIRA chaizomupa mari shoma.
Chinhu chakanaka chakanaka kwaari paanenge asingakwanisi kubhadhara mari yake ndeyekubhadhara Roth IRA kana Roth 401 (k) , iyo isingabatsiri kutora mutero, asi kana mari iri muRoth yose inowanikwa mari inowanikwa isina mutero, zvose iye zvino uye mune ramangwana, uye Roths ane ruzivo rwakakosha mukurasira: mari yaunodzinga kubva kuRoth IRA haina kuiswa murairo inotarisa kuti zhinji yeHindu Security yako inobhadharwa sei .
Kuva neRoth IRA mari yekurega kubvisa basa ichabatsira Laura kuderedza mitero yaanobhadhara.
Gore roga rega Laura anoda kukwanisa kutarisa mutero kuitira kuti aone kushandiswa kwebato rake rekwereti uye aone kuti ndeupi rudzi rwekambani inonyanya kukosha kuti ashandise. Iyi sarudzo ichawedzera kusvika kune zviuru zvemamwe madhora emitero inowanikwa kuna Laura kamwe paanotora basa.
Somuenzaniso, ngatitaurire kuti Laura ane makore mashoma ekuwana mari iyo inonzwisisika kugovera kuRoth, sezvo aisakwanise kushandisa kudhakwa kana akaita rupo rweMutambo IRA. Anounganidza $ 25,000 muRoth yake pamwe chete inowana $ 5,000 zvekufarira kune makore gumi. Paanenge achiri muchechi iye achiri muchikwereti cheteresi che15%, haatengi mutero pamabhadharo ake kubva kuRoth, saka anoponesa inofungidzirwa 15% ye $ 30,000 kana $ 4,500 maererano nezvingazoitika kana akaramba achibhadhara tsika yeRRA gore negore .
* Iwe unofanira kunge wakawana mari yekuita mupiro weChechi kana Roth IRA.