Dzidza Nzira Yokukudziridza Kushanda Kwako Kubhadhara
Maitiro eIras uye Roth IRAs mbiri dzakabatsirwa, uye nekuda kweizvozvo, zvinokurudzira vashandi vekugara mubhadharo kazhinji vanobvunza mubvunzo wakajeka: "Ndingagona kupa mari kune zvose zvetsika uye Roth IRA?"
Uyu mubvunzo unokosha, asi mhinduro inoda mamiriro mashomanana pamhando mbiri idzi dzebasa rekubvisa mari, kunyanya kana zvinosvika kune avo vakakodzera uye ikozvino kuve nekukwaniswa kwemiganhu. Ngatitangei nemamwe mibvunzo yakabvunzwa kakawanda pamusoro peIRAs.
Kugovera kune IRA
Ani naani anowana mubairo panguva yemutero wegore inotora anogona kupa mupiro kune IRA. Izvi zvingave kuburikidza nemari inowanikwa kubva mubasa rekuwana mubairo kana kuburikidza nemabasa ekuzvipira. Mukuwedzera, vashandi vakaroorana vanogonawo kubatsira kune vakaroorana veIRA vachiitira vashandi vavo kana mudzimai uyu asina mari yaakagamuchira gore iroro. Pasinei nokuti, mari inobva kune inofarira, zvikamu, uye mari inowanikwa pfuma chete haibvumiri munhu kugovera kuIRA.
Iwe Unogona Kubatsira Zvakawanda sei kune IRA
Zvichipa mari yako yakawanda inenge yakawanda sekuwanda kwezvipo zvako, vateresi vari pasi pemakore makumi mashanu vanogona kupa mari inosvika madhora 5 500 pagore kuIRAs.
Vaya vane makore makumi mashanu nemashanu ekupera kwegore remutero vanogona kuwedzera $ 1 000 mukutora-catch savings gore rega rega ma $ 6 500. Muganhu wemugove wakagara wakamutswa kuti urambe uchifambidzana nekutengesa kwezvinhu uye ucharamba uchisimudzirwa mumadhora mazana mashanu egore rimwe nerimwe pane izvo zvinogona kuyerwa.
Nzira Yako Mari Yako Inobatsira Sei Mupiro Wako Muganhu?
Kunyange zvazvo vamwe vanobhadhara zvakakwirira vanokwidziridzwa kweIRA muchero , zvipo zvenyu hazvibatsiri kukwanisa kwenyu kuita chaizvo mutsika weRA inowanikwa. Zvisinei, mari yako inogona kuchinja kukwanisa kubvisa zvipo zvako, uye kubviswa kwacho kunogona kuve kwakaderera kune yakaderera sezero.
Iwe unofanirwa kuzivawo kuti mari yako inowedzera sei kukwanisa kuita michero yeRoth IRA. Vamwe vanobhadhara mari yepamusoro havagoni kubatsira kuRoth IRA pamusana pemiganhu yeRoth IRA nemiganhu. Nezvizivo izvi mupfungwa, zvino ngatitarisei kana vanochengetedza basa rekuchera basa vanogona kuva nekunobatsira kune zvose tsika dzeIRA neRoth IRA.
Kugovera kuRual IRoth IRA
Zvichipa iwe unosangana nemari yaunowana inowanikwa nemari yekuwana mari yega yega yeIRA, iwe unogona kupawo zvose Roth uye tsika yeRRA. Zvechokwadi, vakawanda vanoziva mari vanoziva kuti vanogona kupa mitezo kumarudzi ose eIRAs kuti vawane kukosha kwezvinobatsira zvekubhadhara mutero uye nguva yakareba inobhadhara mitero yakasarudzwa uye isingabhadhari mari yemangwana.
Vamwe vanoona izvi pamusana pekuchinja mamiriro ezvinhu nemari, mari yavo yekubhadhara mitero kana kukwanisa kupa muRoth inogona kuchinja uye, saka, chengetedza imwe kana mbiri mbiri mumakore emitero yavanogona.
Izvo zvichiti, kune zvikwereti zvezvipo. Nhamba yakabatanidzwa inogona kusambopfuura chikamu chemupiro wegore negore. Somuenzaniso, kana munhu wemakore makumi mashanu nemashanu ane makore makumi mashanu nemashanu (500) anokodzera uye akasarudza kupa $ 3,500 kuRoth IRA yake mugore ra20177, iyo yaaigona kupa muIRA yenguva dzose yegore rimwe chete yemutero raizova $ 2 000, zvichipiwa mari yegore re5 500 .
Hazvina mhosva kuti iwe wakaparadzanisa sei Roth yako nemipiro yemaitiro yeIRA chero bedzi iwe usingapfuuri muganhu wepamwechete wegore negore. Sezvo muganhu uyu unowedzera pamusoro pemakore, vadzidzisi vemagadzirirwo epamberi vanotarisira kuti mari yegore negore icharamba ichingobata zvose zvinyorwa zvese zvakabatanidzwa.
Roth nemitero yeIra Traditional
Uchiri kuedza kuongorora kana Roth kana tsika yeRRA inonyanya kufunga nezveurongwa hwenyu hwemari?
Iwe unogona kudzidza zvakawanda pamusoro penzira yekugadzirisa kuti ndeipi nzira yakanakisisa yemamiriro ako ezvinhu nekuita zvishoma zvishoma kuverenga kana kudzidza kuti ungasarudza sei IRA yakarurama . Nokuti zvakaoma kufanofungidzira kuti mutero uripi uri kutungamira mune ramangwana, zvinobatsira kuziva kuti unogona kuwana zvakanakisisa zvose zviri zviviri mazita ekupa zvipo kune zvose zvetsika uye Roth IRA.