Nzira Yokusarudza Sei Kana Iye Zvino Inguva Yakanaka KwaKutendeuka Roth

Zvikonzero Zvokufunga nezvazvo Kana uchisarudza kana Roth Converter Inofunga

Vazhinji vedu tinosarudza kuva nemhando dzakasiyana-siyana muhupenyu - caffeine kana kuora, mapepa kana plastiki, nguva dzose kana yakakura-asi-dzimwe sarudzo dzakaoma kupfuura dzimwe. Zvinoratidzika sokunge makore anopfuura gumi adarika, vatsigiri vekurega basa havana kumbofanira kurwisana nechisarudzo cheiyo IRA yavanoshandisa kuti vavake dendere ravo rekurega basa. Asi kubvira apo Roth IRA sarudzo yakatangwa panzvimbo yekupera kwema1990, vatengesi vaifanira kusarudza kwete chete rudzi rwekambani yekuzarura, asiwo kana kuti hazvina musoro here kutenderera IRA yakagara iripo kuRoth IRA.

Kana iwe uri mumusasa iwoyo, unogona kutarisana nechisarudzo chisina kunaka chinonyanya kukosha kwako kubvisa basa.

Kunzwisisa Zvikomborero zveRoth IRA kushandurwa

Roth IRA kutendeuka kunokupa zvikwereti zvemutero usingabhadhari, kwete kungotarisa mutero, kukura. Panzvimbo pokubhadhara mitero paunotora mari yaunotora kubva kune imwe tsika yeRA inobvisa mari, kuparidzirwa kwakakodzera kubva kuRoth IRA hakuna mitezo yemitero. Ndiko nokuti iwe ungadai wakatobhadhara mitero mberi; Mipiro yeRoth inogadzirwa nemadhora ayo atove akanyorwa. Kuti zvionekwe sekugoverwa kwakakodzera, kugoverwa kweRoth IRA kunofanira kuitwa pashure pemakore mashanu-kutengesa kwemakore ekubatanidzwa uye kunoitika kana kana apedza makore 59 ½. Panyaya yekutendeuka, makore mashanu inofanira kupfuura kubva pakutendeuka

Ziva kuti kuchinja kunogona kukubhadhara iwe

Dambudziko reRoth IRA kutendeuka nderokuti kana mari yakashandurwa kubva kune imwe tsika yeIRA kuenda kuRoth inokosha, unogona kugumisa kubhadhara mutero kune zvose kana chikamu chemari sekunge iwe wakanga waita kubvisa.

Zvichienderana nehukuru hweiyo chaiyo IRA yakatarisa mitero inokonzerwa inogona kunge yakakurukura padanda rako rekusara uye iwe unofanira kuva nemari inowanika kubhadhara mitero yakakodzera. Kutendeuka kweRoth kunogona kukupinza iwe muchengeti wepamusoro wechikwereti chegore raunoshandura. Kuti uderedze zvinetso, unogona kuchinja zvishoma nezvishoma kubva pane tsika yeIRA kusvika kuRoth pamusoro pemakore akawanda emitero.

Anoshanda Roth shanduro yenzira inotarisa kuti unogona kuchinja gore rega rega usingasimudziri mubhakoni yakakwirira yepamusoro.

Ramba uchifunga mupfungwa idzi dzinotevera:

• Kushandura IRA yako kungangobatsira chete kana iwe uine chivimbo chekuti bhakoni yako yemutero ichakwira mukurasira (kutendeuka ikozvino kwaizokubvumira kuti ubhadhara mitero pamari iripo ikozvino, mubhadharo wepamusoro mutero).
• Nguva yako yekurega basa inofanira kuchinja sarudzo yako. Funga nezvaunoronga paunopa mari kubva kuIRA yako. Nguva yakawanda iwe iwe unofanirwa kubatsirwa kubva mukukwereta kwemutero kusina kwekutsvaga kwako zviri nani. Kana kusunungurwa kwakarurama kwakapoteredza kukona uye unoronga kuvimba neIRA yako kuti uwane zvinangwa zvemararamiro ehupenyu une nguva shomanana yekubvumira kukura kwekusabhadhara mutero wekubhadhara kushanda kwako.
• A Roth IRA kutendeuka kunofanirwa kuongorora kana iwe uchida kuendesa pfuma isingabhadhari kune imwe chizvarwa. Roth IRAs haisi pasi pemirairo inodiwa inotarisirwa (RMD) panguva yeupenyu hwomuridzi. Panguva yekufa Roth IRAs ichava pasi pegadziriro yezvinyorwa zvinotenderwa kuregererwa kwevadyi venhaka (ona Inhaka yeIRA ).
• Kuchinja kungasave kwakakosha kana iwe unotarisira kuva mubhaketi yakaderera pasi apo iwe unotora basa.

• Usakanganwa kuti hurumende yemitero yemari inobatawo ine simba kune Roth kutendeuka chisarudzo.
• Kana iwe uchizofanira kubvisa mari kubva kuIRA yako kuti ubhadhara mutero pakutendeuka, chimbofunga nezvekuti bhaari yako ikozvino inoderedzwa. Sarudza kana mari yekubhadhara uye kusingabhadhara mitero pamabhadharo maduku eRoth IRA ari nani kupfuura mari yaunowana pane imwe tsika yekare yeARA inoderedza mitero yemitero inofanira kubhadharwa painotora pamba.

Zvishandiso Zvokukubatsira Kuita Roth IRA kushandurwa Chisarudzo

Chero chisarudzo chekushandura chinofanira kunge chakavakirwa pamamiriro ako ehupfumi, ikozvino emitero yemitero, inotarisirwa yeramangero yemitero , zvinangwa, makore uye mazano ekugadzirisa nzvimbo. Iwe unogonawo kuwana kuverenga kwokutanga pane kana kutendeuka chimwe chinhu chaunofanira kufunga nezvacho uchishandisa iri muRoth IRA kushandura calculator.

Kumhanya zvishomanana mberi uye shure kwezviitiko nemutero wekusarura semari sezvinobva kuneTurboTax zvinogonawo kubatsira. Iwe haufaniri kunge uchida kuita sarudzo yekupedzisira chete zvichibva pamigumisiro . Asi, iwe unogona kushandisa zvishoma zvitsva kuti utambe uchitenderedza nezvose zvinogona kuchinja uye ona zvimwe zvezvinhu zvinopinda muchisarudzo.

Kusarudza kana kuti kushandura IRAs kunogona kuva imwe yematambudziko ako emari. Zvakaoma kukwanisa kufanotaura zvenguva yemberi, asi kufanotaura kuti vateereri vemazuva emangwana vachasarudza kuitei nemitero yemari inowedzerawo. Kutora nguva yekuita sarudzo yakanakisisa iye zvino zvichibva pane zvinangwa zvako zvezvemari zvinogona kureva iwe unenge wakagadzikana kuita sarudzo dzakadai se "kufamba kana kutanga chido chekuita" kana ukasarudza kurega.