Ndizvo Zvakakodzera Kushandisa Roth IRA Kubhadhara Mari YekuChikoro?

Zvinowedzera uye Zvinotinhira zvekushandisa Roth IRAs yeChikoro Chirongwa

Roth IRA inofanira kushandiswa kubatsira kubhadhara mari yekoroji here? Uyu mubvunzo unobvunzwa nevabereki vakawanda uye sekuru nanasekuru sezvo mutengo wemari wepamusoro-soro uchiri kuwedzera.

IRoth IRA inzira yakanaka kwazvo yekuchengetedza kubhadhara muhutano inopa huwandu hwekubhadhara mitero yemarudzi. Izvi zvinokonzerwa nekuti Roth IRAs inopa kusununguka kwekuwana mari. Roth IRAs inogonawo kushandiswa nekuda kwekusashandira mari yekushandisa kushandisa humwe hutano hwekuita mari kuti hubatsire kubhadhara zvimwe zvinangwa zvakakosha sekubhadhara mari yekoroji kune wadikanwa.

Chisarudzo chekupa mari kuRoth IRA chinotungamirirwa nehuwandu huwandu husina mutero hwekuwana. Chimwe chimwe chimwe chekubatsira kweRoth IRA ndiyo kushanduka kwemashoko aya mabhadharo epasiro anopa kana iri pamusoro pokuwana zvipo zvako zvepakutanga. Kubhadhara mutero kusina kubhadhara kunoshanda chete kana nhoroondo yako yakazarurirwa kwemakore mashanu uye kuparadzirwa kunoitika mushure mezera remakore 59 1/2. Zvisinei, mipiro yeRoth IRA inogadzirwa nekutora mitero yemari kuitira kuti inogona kubviswa chero nguva pasina mutero kana chirango. Izvi zvinoumba mukana wekushandisa Roth IRA senzira yekuwedzera yemari yekufambisa mari yekoljiji kana chero ipi zvayo yepasimusi yemari yakasangana nechinangwa chemari.

Core Financial Planning Inofanirwa Kuita Pamberi Saving to College

Tisati taongorora kuti kana kuti hazvina musoro here kushandisa Roth IRA kubhadhara kojiji inofanira kuonekwa kuti vazhinji varonga mari vanobvumirana kuti iwe unofanira kunge uine nheyo yakasimba yemari munzvimbo usati wafunga kubatanidzwa mune chero hurongwa hwekuchengetedza yekoroji.

Idzidziso huru ndeyokuti iyi nheyo inokosha inofanira kusanganisira matanho anotevera:

1. Gadzira mamwe mari ekuvhara mari dzinotengeswa (funga "starter" kuchengetedza; kazhinji $ 1-2k mukuchengetedza).
2. Itai kuti zvive zvakakwana kuti urongwa hwekushandira hurumende hushande kuti huve nehuwandu hwevashandi mukana kana huripo.
3. Kubvisa chero chikwereti chakakosha chevatengi semakadhi emakwereti kana zvikwereti zvemunhu (semukuru kupfuura 6%).

1. Dzorera zvizere mari yako yekuchengetedzwa kwekukurumidzira nemari yakakwana yekuvhara mwedzi 3-6 yekugara mari.
2. Chengetedza zvakawanda sezvaunokwanisa mune 401 (k) kana 403 (b) hurongwa, IRAs , uye nhoroondo yekuchengetedza hutano (pane imwe nzvimbo mumutengo we 10-20% webhadha kana zvimwe zvakakosha) kuti uwane zvinangwa zvekurega basa.
3. Chengetedza mhuri yako nehupfumi hwako nekuchengetedza hupenyu, hutano, hurema, uye yehutano inshuwarisi.
4. Gadzira nekuchengetedza zvinyorwa zvekuronga zvakakosha zvakadai sekuda, hupenyu hunoda, uye masimba emugweta aripo uye kusvika zvino.

Kuti uwane mamwe ruzivo pamusoro pekugadzirisa zvinangwa zvako zvemari, chengetedza iyi inobatsira (tarisa Maitiro ekugadzirisa zvaunotarisira mari).

Kugara Pamberi Inowanzotarisirwa Kukosha Kupfuura Chikoro Chirongwa

Usati waisa pfumbamwe mari yekoroji, unofanira kutanga uongorora kuti uone kana iwe uri munzira yakarurama kuti uwane zvinangwa zvekurega basa. Nhoroondo dzakawanda dzekutsvakurudza kwezvemari dzakawana kuti vazhinji vevabereki havana chokwadi kuti vari munzira yekusvika pakusvika pakuramba kwavo (ona.Nokuti ndicho chikonzero kuchengetedza kwekorogi kazhinji kunotora chikamu chekuchengeta kuchengetedza mari.) Kunyange zvazvo zvichibvira kukwereta mari yekoroji haisi kuchenjera kuvimba pane chikwereti kuti uwane mari yako yekurega mari.

Saka semutemo mukuru, zvinangwa zvekurega basa zvinofanira kutora nguva yakawanda pamusoro pekoroji yekuchengetedza pane pekutanga.

Kuisa basa rekushandira mberi kwekoroji painonyanya kurongwa hakusi nguva dzose mararamiro ekutungamirira mari kana vabereki navanasekuru vanoda kunzwa. Izvi zvinowanzoitika nekuti vabereki vazhinji vanongotarirwa kuti vawane vana vane zvakanakisisa zvakaitika uye mikana inobvira. Panogona kuva nemigumisiro yakanaka yakawanda kana iwe ukaisa kuchengetedza kwekolishi pamberi pekurega basa pane pekutanga urongwa. Zvimwe zvezvikanganiso zvakaipa zvinosanganisira kunonoka kubhadhara mari (kana kuti kwete mari yakakwana yokurega basa rako), kutengesa kushandiswa kwemari kana zvimwe zvinhu zvisati zvadikanwa, uye chikuru chinokonzera kukanganisa kusakosha kwemari kunetseka uye kushungurudzika.

Mashoko akanaka ndeokuti Roth IRAs inopa vabereki mukana wekunzwa sokuti vari kufambira mberi vachichengetedza kubhadhara mari mune imwe nhoroondo iyo inogona kushandiswa kubatsira kubhadhara chikoro.

Nzira Yokuchengetedza Sei Kubhadharisa uye Chikoro NeRoth IRA

Vanhu vanoda rondedzero ye "mutero usingabhadharwi" uye somugumisiro, Roth IRAs iri kuwedzera kuva imwe yemakambani ekuchengetedza yakawanda ekurasikirwa. Kugovera kune Roth IRA kunogona kukupa rugare rwepfungwa kuti iwe unenge uchiita chimwe chinhu kuti uchengetedze mune ramangwana mari dzekoroji apo zvimwe zvinokosha zvepfuma zviripo. Iyi sarudzo yakakosha kune vabereki vari kumashure pamagariro avo ekuchengetedza basa asi vakatova nekwenheyo yavo yezvemari panzvimbo (kureva kuti vane dambudziko rekukurumidzira, mari shoma, uye zvichida kupa chikamu che 401 (k) kutarisa kushanda). Kushandisa Roth IRA kuti iwedzere kuvhareji yekoroji ndeyekurangarira vabereki kana vanasekuru navanasekuru vachitsvaga kuchinja kushandiswa kwekuti mari inogona kushandiswa yakaenzaniswa sei nedzimwe nzira dzingasarudzwa dzakadaro 529 zvirongwa zvekuchengetedza chikoro.

Pros:

Heano zvimwe zvezvikomborero zvekushandisa Roth IRA sechikamu chenyu chirongwa chokuchengetedza korojiji:

Roth IRAs inobvumira kugadziriswa kwekutora mitero yepakutanga yemutero uye chirango chisina chakanaka. Zvaunowana muRoth IRA chete zvinokura musero musingabhadhari kana kero yako yakazarurirwa kwemakore mashanu uye kuparadzirwa kunoitika mushure mezera remakore 59 1/2. Zvisinei, sezvo zvipo zvako zvave zvatoitwa nematare emitero mushure mekunge zvinogona kutorwa chero nguva pasina mutero kana chirango. Kubhadhara kubva kuRoth IRA kunoonekwa kunobva pamipiro kutanga. Izvi zvinoreva kuti iwe unokwanisa kubvisa mari yezvipo zvako panguva ipi zvayo pasina mutero kana chirango.

Mari inokura mitero-inoderedzwa uye inogona kunge isina mutero. Roth IRAs inokubvumira kupa mitezo mushure mekuteresa mari inogona kukura kuti ive isina mutero chero bedzi iwe unosangana nemakore 59 ½ kutonga uye wakava nekodhi kwemakore mashanu. Kana uine zvinangwa zvakawanda zvakadai sokubhadhara chikoro uye kuchengetedza kubhadhara, iwe unogona kuwana zvipo zvepakutanga uchishandisa zano rakataurwa pamusoro apa uchibvumira kuwana mari yekuenderera mberi kukura musingabhadhara mitero kwenguva yakareba yakadai sokurega basa.

Roth IRAs inopa hutungamiri huzhinji pamusoro pekutsvaga mari. Ruzhinji rwemapurogiramu 529 ane zvishoma zvingasarudzwa zvekutsvaga mari kusarudza kubva. Roth IRAs haisi yekutsvaga kwekutsvaga asi panzvimbo iyo inomiririra rudzi rwemari yekuchengetedza mari yekubvisa mari iyo inobvumira marudzi akasiyana-siyana emari (mashizha, zvibvumirano, mutengo wemari, ETFs, REIT, CD, nezvimwewo). Kuti tibatsire zvizere nekukwereta kusina mutero kwekuwana mari, kazhinji kuchenjera kutsvaga kudyara kwekutsvaga kweRoth IRA.

Cons:

Kufanana nehutano huzhinji hwezvemari, kune zvimwe zvishoma zvekushandisa Roth IRA kuti ubatsire kubhadhara chikoroji. Heano maitiro mashomanana emagariro aya:

Roth IRAs inotarisana nemiganhu yekuwana mari. Roth IRAs ine zvikwereti zvisingabatsiri zvinoita kuti vakaroorana vanyore maitiro ekudzokorora vasingabvumirwi kupa zvikwereti zvakananga kumabhuku aya kana vachiwana mari inopfuura $ 198,999 muna 2018 (chinyorwa: re backdoor Roth IRA imwe nzira iri pedyo nemiganhu iyi). Zvichida dambudziko guru rekushandisa Roth IRA kuti ribatsire kubhadhara kojiji nderokuti iwe unogona kunonoka kuchinjira kumubhedha kana usina chikwata chakakwana chokubvisa chikafu chinowanikwa mushure mokunge uchitora mari yekubhadhara kuchikoro.

Mipiro iye zvino inokwana $ 5 500 pagore ($ 6,500 kwemakore makumi mashanu nekure). Roth IRAs ine mirefu yakaderera yemipiro pane mamwe makoroji ekuchengetedza motokari. Roth IRA miganhu yemipiro inonyanya kuderera kupfuura mirefu yakakwirira inowanika ne 529 zvirongwa zvokuchengetedza kojiji. Imwe dambudziko rakawanikwa pakushandisa mari yeRoth IRA kubhadhara mari yekukolishi ndeyokuti kugoverwa kunotora semari isina kubhadharwa muFSAFSA yegore rinotevera uye izvi zvinogona kuderedza kukodzera kwemwana wako kune rubatsiro rwekubhadhara mari. Roth IRAs ichiri chidiki chekushandisa mari yekubatsira mari uye huwandu hwenyika yose hahuna kuziviswa pa FAFSA.

529 zvirongwa zvinowanzova sarudzo yakanakisisa apo kuchengetedza kwunivhesiti ndicho chinangwa chikuru. Kune imwe nzira yekubhadhara iyo inongotarirwa kubhadhara kukoroji, chirongwa chekugadzirisa chikoro chemakore makumi mashanu nemakumi mashanu nemashanu chinowanzosarudza zviri nani. 529 hurongwa hwekutsvaga mari inokura kusabhadhara mutero uye kugoverwa kunoshandiswa kuribhadhara mari yekudzidzira yepamusoro kunewo mitero isina. Kutanga muna 2018, unogona kushandisa kusvika ku $ 10 000 mu 529 chirongwa chinowedzera chekutanga uye chepamusoro chikoro mari.

Kune vabereki kana vanasekuru navanamai vanogara vachienda kunosangana nezvinangwa zvekurega basa zvinowanzobatsira zvikuru kutarisa zvirongwa 529 kutanga kwekoroji yekuchengetedza. Asi apo iyo mazano ekubhadhara mari yekoroji inoda kuchinja zvishoma kana kuti mwana wako anopinda koreji haatombozivi kuti Roth IRA inonyanya kufadza.

Isu tose tine zvinangwa zvehupenyu zvakasiyana siyana zvinogara tichikwikwidzana nemari yedu yakaoma. Roth IRAs inofanirwa kuongorora kana uri kutsvaga mukana wekodzero yemutero wekuregererwa kwemari nehuwandu hwemvumo yekuwana mari iyo yekuwedzera mari yekufambisa yekoroji. Kana pane zvimwe zvinhu zvinokosha zvepfuma zviriko izvo zvakakosha pane zvakanyanya kuponesa kwunivhesiti, kuchengetedza muRoth IRA kunogona kukupa rugare rwepfungwa kuti uri kutora matanho ekuchengetedza zvikwereti zvekoroji mune ramangwana uye rako rekurega basa.