Sarudza Kuti Ndeupi Wega Rega Retirement Account (IRA) Yakanakisisa Kwauri
Asi iyo ndiyo iyo kufanana pakati pemhando dzeIRAs dzinoguma. Paunosarudza pakati pekupikira kuChechi yeIra kana kuti Roth IRA, unofanira kutanga waziva kusiyana.
Kune vamwe, chisarudzo pakati peRoth IRA neChitura IRA chiri nyore, sezvo ichigona kuwira kune kukodzera. Ngatitarisei.
Iwe Unokodzera Mutero Wechechi-Drayuchir IRA?
Nhanho yekutanga pakusarudza kana tsika yeIrasi yakasarudzika iwe ndeyekutarisisa kana iwe uchikodzero yekubvisa zvipo kuMutambo IRA kubva pamutero wako wekutengesa. Kubatsira kwekupedzisira kweMutambo IRA ndeyekuti zvipo zvaunoita zvinogona kubviswa zvizere kana zvishoma kubva pamari yako inotengesa. Asi kana munhu wose ane mari inotengesa mari akakodzera kupa mipiro kune imwe tsika yeIra (kusvika kumuganhu uripo iye zvino, zvechokwadi), kwete munhu wose akakodzera kubvisa izvo zvipo.
Zvimwe chete, kana iwe kana mumwe wako musingagadzirwi nemushandi wekushandira mari yakakodzera, iwe unokodzera kuita michero inobhadhara mutero kuRituro yeIra pasinei nokuti chii chawakashandura chakachinja mari yakawanda (MAGI).
Kana iwe wakafukidzwa neimwe chirongwa chekubvisa mari yakadai se 401 (k) ; zvisinei, kuregererwa kwemipiro yako yeMalawi IRA ichaderedzwa apo MAGI yako inosvika kumiganhu yakati zvichienderana nehuwandu hwekutsvaga kwako. Pari zvino, miganhu yekuderedzwa yezvipo zveMitambo IRA kuburikidza nekuisa nzvimbo ndeyotevera.
| Mumwe chete kana Musoro weimba | |
|---|---|
| Kugadziriswa Kugadziriswa Gross Income (MAGI) | IRA Yako Kubviswa Kunogadzirisa Kukodzera |
| $ 61,000 kana pasi | Kubviswa zvakakwana kusvika kumugove wako wemugove |
| Zvinopfuura $ 61,000, asi pasi pe $ 71,000 | Kusarurwa kusarura |
| $ 71,000 kana kupfuura | Kwete kubhadhara |
| Vakaroorana Vanodhonza Chirikadzi Yakakwana Kana Kuti Yakakodzera (er) | |
|---|---|
| Kugadziriswa Kugadziriswa Gross Income (MAGI) | IRA Yako Kubviswa Kunogadzirisa Kukodzera |
| $ 98,000 kana pasi | Kubviswa zvakakwana kusvika kumugove wako wemugove |
| Zvinopfuura $ 98,000, asi pasi pe $ 118,000 | Kusarurwa kusarura |
| $ 118,000 kana kupfuura | Kwete kubhadhara |
| Vakaroorana Vanodyara Zvimwe | |
|---|---|
| Kugadziriswa Kugadziriswa Gross Income (MAGI) | IRA Yako Kubviswa Kunogadzirisa Kukodzera |
| Pasi pe $ 10 000 | Kusarurwa kusarura |
| $ 10 000 kana kupfuura | Kwete kubhadhara |
Iwe uchada kushandisa mitsara iyi semutungamiri mukugadzirisa kukodzera kwako kubvisa zvipo zveMalawi IRA kubva pamari yako inotengesa, asi zive kuti IRS dzimwe nguva inogadzirisa zviyero izvi zvekutengesa.
Iwe Unokodzera Roth IRA here?
Nharaunda dzekuwana mari dzakawanda dzakasununguka kuRoth IRA, uye iwe unogona kugadzirisa uye kugovera kuRoth IRA kunyange kana iwe watotora chikamu muurongwa hwekuregererwa kwemari unobhadharwa savashandi seyaka 401 (k), Profit Sharing kana Pension Plan uye / kana iripo Idare Yedare, mune mamwe mazinga emari.
Chikonzero chekuparadzana kwakasiyana kweRoth IRAs ndechekuti zvipo zveRoth IRAs hazvigoni kutorwa sekuderedzwa pamutero wako wekutengesa.
Mari iyo iwe unogona kugovera kuRoth IRA inotsamira pane zvaunofunga uye yakagadziriswa yakagadziriswa mari yakawanda (MAGI). Iye zvino, iyo miganhu ndeyi:
| Mumwe chete, Musoro weMhuri, kana Vakaroorana Vanowedzera Sega | |
|---|---|
| Kugadziriswa Kugadziriswa Gross Income (MAGI) | Yako Roth IRA Contribution Limit |
| Pasi pe $ 116,000 | Zvose zvakakwana kusvika kumuganhu wemugove |
| $ 116,000 kana kupfuura, asi pasi pe $ 131,000 | Kuderedza mupiro |
| $ 131,000 kana kupfuura | Zero |
| Vakaroorana Vanodhonza Chirikadzi Yakakwana Kana Kuti Yakakodzera (er) | |
|---|---|
| Kugadziriswa Kugadziriswa Gross Income (MAGI) | Yako Roth IRA Contribution Limit |
| Pasi pe $ 183,000 | Zvose zvakakwana kusvika kumuganhu wemugove |
| $ 183,000 kana kupfuura, asi pasi pe $ 193,000 | Kuderedza mupiro |
| $ 193,000 kana kupfuura | Zero |
| Vakaroorana Vanodyara Zvimwe | |
|---|---|
| Kugadziriswa Kugadziriswa Gross Income (MAGI) | Yako Roth IRA Contribution Limit |
| Pasi pe $ 10 000 | Kuderedza mupiro |
| $ 10 000 kana kupfuura | Zero |
Iwe unoda kushandisa mitsara iyi semutungamiri mukugadzirisa kukodzera kwako kugovera kuRoth IRA, asi zive kuti IRS dzimwe nguva inogadzirisa zviyero izvi zvekutengesa.
Tsika yeIRA neRoth IRA
Kukodzera kwako kubvisa zvipo zveStudio IRA uye kukodzera kwako kupa rubatsiro kune Roth IRA kunogona kunyatsoziva kuti IRA ipi yaunosarudza. Asi zvakadini kana iwe uchikwanisa kubatsirwa nemhando dzose, iwe unosarudza sei? Nzira yakanakisisa yekuita sarudzo yakagadziriswa mushure mekugadza kukodzera kwako ndeyekuyera izvo zvakasiyana-siyana zveIRA imwe neimwe inopesana.
Kufunga kuti uri kukodzerwa kubvisa zvipo zvako kuRitura IRA, zvipo chero zvipi zvese zvinokura mitero-inoderedzwa, izvo zvinoreva kuti iwe hauchabhadhara mitero pamigiro yako kusvikira iwe uchibvisa, zvichida pakubvisa mari. Kana iwe ukabvisa mari yacho, iwe uchabhadhara mitero kune zvose zvipo zvako uye mubhadharo. Kana iwe usingakodzeri kubhadhara, zvipo zvako uye kuwana mari zvichiri kubatsirwa nekuwedzera kwekuteresa, saka nei kuva neIRA ichiri chinhu chakanaka kune chero munhu akachengetera kubhadhara. Kunyange iwe usingakwanisi kubhadhara mutero paunoita mupiro kuRoth IRA, simba raRoth IRAs nderokuti mari inowanikwa nguva dzose haibhadhara mutero. Uku kukura kusina mutero uye kuti Roth IRAs haisi pasi pemitemo inoshandiswa yekuparadzira inoda kubvisa zvishoma (inozivikanwawo seinodikanwa kugoverwa kana maMDD) mushure mezera re 70½ ndezvakakosha zvikuru.
Ungada Kubatsirwa Nezve Roth IRA?
Kunyangwe iwe uchizobatsirwa zvakanyanya kubva kuRoth IRA kusiyana neChechi yeIrada inobva kune zvimwe zvinoshandiswa zvakadai sekusvika kwenguva yakareba sei usati warega basa kana iwe unoronga kutanga kutora kugovera, uye bhaketi yako yemutero iye zvino uye ichava chii panguva kurega basa. Kunyange kana iwe uchikodzera kupira mutero-deductible Traditional IRA, unogona kubatsirwa kwenguva yakareba nekuisa mari muRoth IRA pane.
Izvo zvakabhadhara mutero weRoth IRA inowedzera nehuwandu hwemakore pakati penguva yaunotanga Roth IRA uye nguva yaunotanga kutora kuparadzirwa. Kunewo mukana wekubhadhara mutero kana iwe unotarisira kuti iwe uchange uri muchengeti wepamusoro wepamusoro mukurasira pane iwe ikozvino kana nekuda kwepamusoro mari kana kuti mutero wemitero yakasiyana (iyo inofanira kufanotaurwa). Kuti uone kana iwe uchizobuda mberi neRoth, unofanirwa kuita imwe nhamba crunching uye kutarisa yako yese yekushambadzira mufananidzo. Iwe unogona kunge uchida kutaurirana nemuteresi wekwereti.
Kutenderera Maitiro eIra Masangano kuRoth IRA
Vamwe vanhu vakakodzera kuchinja mari inotungamirirwa neChituro IRA kuenda kuRoth IRA, asi iyo kutendeuka inoda kuti mutero ubhadhe pamutengo unoshandurwa panguva yekushandurwa. Taura nemudzidzisi weIRA musati maita chisarudzo pamusoro pekutendeuka.
Zvimwe Zvinyorwa Zvinyorwa IRA
- Iwe unogona kugadzira IRA nedzimwe nhepfenyuro yemari yakabvumirwa neInternal Revenue Code, yakadai semabhengi, makambani ekuvimba, mabhengi ekuchengetedza, makambani ekudhinda kana makambani ehurumende.
- Iwe unosvika musi waEpril 15 wegore roga roga kuti upe rubatsiro kune IRA yegore rapera mutero, asi yekutanga mugore iro iwe unoita mupiro wako, iyo yakawanda yaunowana iwe yaunowedzera.
- * Kunyange zvazvo mupiro weRoth IRA uye mari inowanzoonekwa semutero usingabhadharwi, iyo inotarirwa kune federal mubhadharo wemitero. Mutero wehurumende unotonga paRoth IRA kuparadzaniswa kunosiyana kubva kune imwe nyika kuenda kune imwe nyika.
Ichi chinyorwa chinongoreva seongororo yakazara yeRoth vs.us Traditional IRAs. Pane zvimwe zvakawanda zvinyorwa zvakafukidzwa pamapeji ewebhu ye IRS akazvitsaurira kuIRAs. Kune rumwe rutivi-nerutivi rwekuenzanisa kwemitemo inoronga Traditional and Roth IRAs, ona IRS 'inobatsira kuenzanisa chati.