Mibvunzo Yekuzvibvunza Iwe Usati Waita Roth Shanduko Kusarudza
Kuti Roth IRA igoverwe pamutero usingabhadhari, inofanirwa kuitwa mushure memakore mashanu-kutengesa-nguva yekubatanidzwa uye inoitika kana kana isvika makore 59 ½. Panyaya yekutendeuka, makore mashanu inofanira kupfuura kubva pakutendeuka.
A Roth IRA kutendeuka kunogona kuita pfungwa zhinji kune vamwe. Kune rumwe rutivi, pane zvimwe zviitiko kana zvisinganzwisisi zvachose. Usati watendeukira kuRoth , zvibvunze mibvunzo iyi.
Ndiri pedyo nekurasikirwa uye ndichida IRA mari?
Kana uri kuswedera kumusha kana kuti unoda IRA yako mari yekurarama nayo, hazvina kuchenjera kutendeukira kuRoth. Nokuti uri kubhadhara mitero pamari yako, kutendeukira kuRoth kunodhura mari. Zvinotora imwe nhamba yemakore mari isati yabhadhara mberi inobvumidzwa nemari yekubhadhara mari. Kana uri kutora mari yekubvisa mari, unowedzera nguva iyoyo. Kuti uwane pfungwa yekuti iwe uri nani pakushandura, aRoth converter calculator anogona kubatsira.
(Unogona kuwana kuverenga pazvikwereti zvematareji, iyi yakanaka yeRoth conversion calculator inobva kuTIAA-CREF.)
Zvimwe zvingave zvigadziriswa zveRoth IRA kushandura kuverenga zvinosanganisira zvinotevera:
- Charles Schwab's Roth IRA Conversion Calculator
- Bankrate Convert kuRoth Calculator
- Ndinofanira Kutendeukira kuRoth IRA here? (CalcXML)
Dambudziko nokuvimba chete neRoth IRA kushandura chikwata ndeyekuti kufunga kunobva pane ramangwana rekukanganwa mutero. Izvo zvakaoma kufanofungidzira kuti mari inotora mari inotora chii mumakore 1-2 anotevera. Fungidzira kuti zvakaoma sei kufanotaura kutora mitengo 10, 20, kana makore makumi matatu kubva nhasi kana uchange uchitora uchishandisa Roth IRA yako.
Iva nechokwadi chekuti uongorore bhenekeri yako yazvino uye yakarongerwa kubhadhara mutero usati wagadzirisa tsika yeRRA kuRoth IRA. Iwe unogona kushandisa iyi Federal Income Tax Table Guide kana ruzivo kubva kune yako yakangosvika mutero wekudzoka kuti uone yako yakatarisa mutero bhatikiti. Zvadaro, gadzirisa hurongwa hwebhajeti hwekurega basa kuti uone kuti iwe unotarisirwa kubhadhara mutero uchishandisa chirongwa chako chekuita basa rekubvisa mari.
Ndinokwanisa kutenga mitero here?
A Roth IRA kutendeuka kunogona kudhura, nokuti unofanira kubhadhara mitero paIRA yako iripo . Zvakanaka, mari yacho haifaniri kubuda pakubhadhara mari yako. Kana iwe uchifanira kushandisa mari kubva kune yako tsika yeAra kuitira kuti iwe ubhadhara mitero ichakubhadhara iwe kuti uchinje kuRoth, iwe uri nani kurega kuti mari igare yakasimba.
Imwe nzira yekufunga nayo ndeyokuparadzira mari yekutendeuka kwemakore mashomanana. Izvi zvinogona kukudzivirirawo kuti urege kuzvipinza mubhaketi yakakwirira yepamusoro.
Ndinoda kubhadhara mitero here?
Dzimwe nguva kugadzira mari yakanaka kunogona kuva chinhu chakaoma kuita. Ndiyo manzwiro ekuti vazhinji vemadzitateguru eIRA vanowana pavanofunga nezvekushanduka kweRoth IRA. Unogona here kufungidzira mumwe munhu ane $ 300,000 muIRA uye zvakanakisisa zvavari kupa $ 75,000 zvekuti IRA? A Roth IRA kutendeuka kunogona kutarisa zvakanaka pamapepa asi munyika chaiyo inogona kuva yakaoma.
Iwe unogona kushandisa michero yezvipo kuti uregere mitero yekutendeuka kweRoth. Kutengesa mutero kungava nzira inobatsira yekuderedza mutengo webhadharo weRoth IRA kutendeuka. Zvechokwadi iwe unofanira kutanga uine mari yehupfumi uye uchida chipo kune sangano rinopa rubatsiro kushandisa zano iri.
Ndichati ndive mubhaketi shoma shoma munguva yemberi here?
Kana iwe uchifunga kuti iwe uchatora mari mubhaketi shoma yekubhadhara pane iwe uri iko zvino, hazvina musoro kuti uchinje.
Iwe uchabhadhara mitero yakakwirira pane kutendeuka kupfuura iwe waizodaro kana iwe uchizobvisa mari kubva kune yako yekare yeIRA pamubhedha .
A Roth IRA kutendeuka kunogona kuva pfungwa yakanaka kune vamwe asi kwete vese varairi veIRA. Funga nezvekugona kwako kutendeuka nekuchenjerera usati waita chero chekuita kuti uchinje mari yako.