Nzira Yokuita Roth vs. Pre-Tax 401 (k) Chisarudzo
Iwe unofanirwa kuisa pachedu mari muchetere isati yatere 401 (k) kana Roth 401 (k) ?
Kana iwe ukatora nguva kuti unzwisise kusiyana kwetsika yekare isati yatere uye Roth 401 (k) iwe unogona kuderedza zvakanyanya mararamiro ako ehupenyu hwose. Zvinonyanya kukosha, iwe uri kutora danho rinoshanda pakuronga kwekubvisa kwako pachake.
Bhadhara mitero yako ikozvino kana gare gare. Roth 401 (k) s inokubvumira kupa mitezo mushure mekutora madhora ayo anogona kukura kuti asave nemutero mushure mezera remakore 59 ½ chero bedzi iwe uine kambani kwemakore mashanu. Kusarudza kana zvine musoro kuti iwe ugamuchire mari yekubhadhara mari ikozvino kana gare gare chikamu chikuru chekutanga kutengesa vs. Roth 401 (k) chisarudzo. Heano zvimwe zvinhu zvinokosha kutarisa kana uri kuedza kusarudza kana uchipa Roth 401 (k) inokuitira:
Sarudza Rudzi Rwepurogiramu Yako Mubhizi Anopa
Kutanga, chengetedza kuti uone kana mushandi wako anopa Roth 401 (k). Izvi zvingaita sokuti hazvirevi, asi Roth 401 (k) inenge iri itsva uye haipi nevanoshandira vose.
Inenge 60 kubva muzana yeurongwa hukuru hwekurega basa vanotsigira ikozvino vanopa Roth chisarudzo. Vashandi vakawanda vanopa mushure mitekero 401 (k) mupiro wezvipo asi izvi zvinogona kupesana zvakanyanya kubva pamutero weRoth 401 (k) mushure mekunge uye haufaniri kuvhiringidzwa neRoth 401 (k). Kana iwe une Roth 401 (k) inowanika iwe unofanirawo kuziva kana iyo Roth account inopa zvinhu zvakafanana sepakutanga mitero 401 (k).
Zvakakoshawo kuti unzwisise kuti sei kambani yako inobatanidza michero yekushanda (kana wako waunoshandira achipa mutambo). Vashandi vazhinji vanopa chikonzero chekutora chikamu mune 401 (k) kuronga kuburikidza nemipiro inofanirana. Iwe hausi kuda kupotsa pakunaka yako 401 (k) mutsara uye kana une kambani inenge yakatarisana iwe ucharamba uchiwana mutsara kana ukasarudza kupinda muRoth 401 (k). Ingoyeuka mupfungwa kuti kana iwe uri kutora chikamu muRoth 401 (k) mutsara wekambani inobhadhara mutero. Mari yakakodzana uye kukura kwekutsvaga kwekambani iyi yakapa mari ichabhadharwa semari inowanikwa mari paunotanga kutora kugovera pamubhedha.
Mutsika uye Roth 401 (k) s: Kunzwisisa Kusiyana
Muganhu wegore negore wemipiro yeRoth 401 (k) yakafanana neyeyemutsika usati watere 401 (k). Muna 2018, unogona kuwedzera kusvika ku $ 18 500 kusvika kune 401 (k). Kana iwe uine makore makumi mashanu kana kupfuura, unogona kuwedzera $ 6,000.
Kusiyana kukuru pakati peRoth uye kusati kwabhadhara tsika dzekodzero 401 (k) ndiyo nzira yavanobhadhara. Sezvo zita racho rinoreva, tsika dzekare "dzisati dzabhadhara" Mutsika 401 (k) s kubvisa mitero yako ikozvino. Zvisinei, iwe unofanirwa kubhadhara mitero gare gare paunotanga kubhadhara mari kunze.
Uine Roth 401 (k) uri kuisa pamushure pe-tafura yemari yakabhadharwa ikozvino asi mari yekubhadhara mitero inouya mushure mekuregererwa kwemitero kwekutsvaga kwekutsvaga kwekutsvaga munguva yekurega.
Heino tsanangudzo yakajeka yechinyorwa chakakura pakati pechechi uye Roth 401 (k):
Mutsika "isati yateresi" 401 (k) - Unobhadhara mutero wemari kana iwe uchitora kugovera
Roth 401 (k) - Unobhadhara mutero wemari pamipiro yako uye unogona kuita zvipo zvekusabhadhara mutero
Zvakakoshawo kuona kufanana nekusiyana pakati peRoth 401 (k) neRoth IRA. Roth 401 (k) s uye Roth IRAs mbiri dzinopa kukura kwekusabhadhara mutero kwekubhadhara mari. Zvisinei, muganhu weRoth IRA uripo zvakanyanya kudarika makumi 401 (k) ($ 5,500 pagore zvichienzaniswa ne $ 18 500 muna 2018).
Roth IRAs inosanganawo nemiganhu yekuwana mari.
Semuenzaniso, muna 2018 vanhu vasina kuroorwa vane gadziriro yakagadziriswa yakawedzerwa (AGI) yemadhora 135 000 kana kupfuura havakwanise kubvumirana neRoth IRA, sezvinoitwa nevarume vakaroorana pamwe chete neAGI yakashandurwa ye $ 199,000 kana kupfuura. Kusiyana neRoth IRAs, kukwanisa kwako kugovera kuRoth 401 (k) hakubatsirwi nehuwandu hwemari yako nokuti Roth 401 (k) s haisi pasi pemiganhu yekuwana mari.
Zvinogona kugovera kune zvose Roth 401 (k) uye mutsika 401 (k) chero bedzi zvipo zvako zvakabatana zvisingapfuuri $ 18 500 ($ 24,500 kana uri 50 kana kupfuura) muna 2018. Kuongorora kwechangobva kuitwa kwakaratidza kubatsira kwekupa kusvika pakubatanidzwa kwezvakanyorwa uye zveRoth.
Zvichaderedza Mari Yako Inotengesa Kubatsira Iwe Unofanirwa Kune Mimwe Mitero Yemitero?
Vanhu vakawanda vanowana kusanzwisisika kwakanyanya kunetseka kana nyaya yemitero inouya. Asi zvakakosha kuti uve nechinangwa chikuru chekutora mutero wako. Kushandiswa kwekodzero kunogona kuita kusiyana kukuru. Muzviitiko zvizhinji, chiito chakareruka chokuderedza mari yako yakagadziriswa yakawanda (AGI) inogona kukubatsira kuti uwane mvumo yekubhadhara mitero uye mamwe mazororo emitero. Semuenzaniso, vashandi vekurega basa mari hazviwanikwi kana AGI yako iri pamusoro pe $ 63,000 kune vakaroora vakaroorana pamwe chete, $ 47,250 nokuda kwepamusoro pemamiriro emhuri, uye $ 31,500 kune mamwe madhigirii (vasina kuroora kana kuroora nekutsvaga oga).
Kugovera kumutero usati watere 401 (k) kunogona kukubatsira kuwana zvakawanda zvekwereti yemutero kana iwe mari yako inenge iri pamusoro pemiganhu iyi. Kuisa pfungwa dzako kune yakagadziriswa mari yakawanda uye kuideredza iyo kana zvichibvira kunogona kuita kuti iwe uwane kodzero yeIRA deductible kana Roth IRA.
Iwe Unoda Kubhadhara Mitero Yekubhadhara Iye zvino kana munguva yemberi?
Vazhinji vedu tinoda kuderedza mutoro wedu wemutero zvakaringana. Kuedza kufamba nepakombiyuta yedu yemitero yemitero muUnited States inogona kuita kuti Roth vs. kutora musarudzo kusati kwaita sekuita zvishoma zvakaoma. Asi kana iwe uchidziputsa kusvikira pamagumo zvose zvinouya kusvika kune iwe unoda kubhadhara mitero ikozvino (Roth) kana panguva yaunodzinga mari (isati yateresi). Kusarudza nzira yakanakisisa kwauri kunoda chirongwa chiduku chekurega basa kuti uone kana iwe uchifunga kuti iwe uchava muchengeti wepamusoro.
Kana iwe uri mumatanho ekutanga emabasa ako uye iye zvino uri mubhasikiti yemutero wakaderera chisarudzo cheRoth chinoita sechinofadza. Iwe unogona kuvhara muzvizivikanwa zvekubhadhara mari yemari nhasi iyo inogona kunge yakaderera pane ramangwana rako rebhasiro rebhadha munguva yekurasikirwa paunenge uchida kubhadhara mari yako yekurega. Zvisinei, kana iwe uri mumakore ekukwezva makosi uye pedyo nekurasikirwa iyo inogona kunyanya kunzwisisika kutora mitero yemitero nhasi nemutambo wekare usati watere 401 (k) mupiro. Somugumisiro iwe uchabatsirwa nekubhadhara mutero wemari munguva yekurega basa panzvimbo yepfuma yako yakawanda yekuwana mari pakarepo usati wasiya basa.
Vazhinji vakasiya mari munyika ino vanopedzisira vaine mubayiro wekuwana mari mubhadharo iyo yakaderera pane mari yavo pavanenge vachishanda. Asi kana iwe uchifunga kuti mari yako inenge ichinyanya kubhadhara, muRoth 401 (k) inogona kuwedzera kunzwisisa. IRoth 401 (k) inotanga kutarisa semafungiro akajeka kana iwe unonetseka kuti kunyange kana mari yako isingasimudzi mukurasira, mutero wemitero ungave uchienda wakakwirira.
Wakanaka Zvakadini Mukufanotaura Nezveramangwana?
Zvinogona kuva zvakaoma kuita Roth vs. pre-tax 401 (k) chisarudzo apo mazamuro emitero emangwana emangwana haana chokwadi. Panzvimbo pokuvimba nemupi wehupfumi kana Magic 8 Ball kuti ufanotaura mberi kwekuedza edza kuzvibvunza mibvunzo iyi kuti ikubatsire kusarudza:
Zvichida sei kuti mari yako inowedzera pakati pemazuva ano uye kubhadhara? Apo zvinosvika panyaya dzezvemari isu hatisi nguva dzose iyo yakakura pakufanotaura nezvemangwana . Zvinogona kunyanya kuoma kufanotaura kuti Congress ichaitei nemitengo yemitero makumi emakore kubva ikozvino. Izvo zvataurwa, iwe unofanirwa kubhadhara mari yako yeramangwana apo unogadzira Roth vs. pre-tax 401 (k) chisarudzo. Kana iwe uri pairi kana kuti pedyo nemakore ako ekuwana mari iye zvino iwe unogona kuomerera nemutambo usati watere 401 (k) zvipo. Asi kana iwe unofunga kuti mari yako inowedzera iwe ungangoona bhajiro yako yemutero kuwedzera. Izvi zvinogona kukupinza mubhaketi yakakwirira yepamusoro uye kuita sarudzo yeRoth inakidze.
Unoronga here kushanda panguva yekurega basa? Iwe haugoni kuona kuchinja kukuru mubhaketi yako yekubhadhara kana iwe uchironga kushanda mune zvekugara kwemakore. Mugumisiro wekupedzisira weizvi unogona kukuchengetedza iwe mubhakoni imwe yemutero. Kazhinji kana bhakiti yako yemitero yakafanana pakubata basa iwe uchaona zvakaenzana zvikomborero neRoth kufananidzwa ne-pre-tax 401 (k). Mumamiriro ezvinhu aya, zvinogona kubatsira kufunga kuchengeta mari mune imwe nhoroondo yeRoth kuti urege kuona mitero yako yemari inopinda ichienda kune imwe yepamusoro yebhasikiti.
Ndeipi mikana yokuti iwe uchange uchitora mari munguva yepamusoro yekutora mutero? Kana iwe uchinetseka pamusoro pemitero yakakwirira kudarika bhodhi iri munyika zvichiguma nekuda kwenyika yezvematongerwo enyika uye yezvehupfumi iwe unofanira kufunga kuenda neRoth 401 (k). Zvisinei, zvakakosha kuziva kuti nekuda kwekuti mitero yemari inowanikwa inogona kuwedzera mukati mebhodhi, izvo hazvirevi kuti iwe pachako mutero wepamusoro uchave wakakwirira.
Sezvo iwe unogona kutaurira Roth vs. pre-tax 401 (k) chisarudzo chinenge chakaoma kunzwisisa kupfuura chinoratidzika. Kusarudza nhoroondo yakanakisisa kwauri kunobva pane zvakasiyana-siyana zvakadai sezvaunotarisira nezvemangwana emitero yemitero uye kuti iwe unotsvaka kutsvaga mutero zvakadini. Tarisa iyi Roth vs. pre-tax calculator kana uchida humwe hutungamiri paunenge uchifananidza zvaunogona kuita.