Itai zvinhu zvakanakisisa zve 401 (k) uye Roth IRA ine Roth 401 (k)
Kana uine Roth 401 (k) chisarudzo pabasa, zvakakosha kunzwisisa kuti sei uye nguva ipi yekushandisa. Kana iwe usina Roth 401 (k) chisarudzo pabasa, zvinenge zvine musoro kunzwisisa izvo iwe ungangoda kuregera dhipatimendi rako rekubatsira kuziva kuti vari kurasikirwa.
Kuti Roth 401 (k) Inoshanda sei
Kufanana nemipiro kuRoth IRA, zvipo zveRoth 401 (k) hazvisi zvekubhadhara mutero. Kushanda, iwe unoshandisa mushure mekutora mari kuti uwane mari yako. Zvisinei, kana mari iri rimwe zuva rakaparidzirwa kwauri panguva yekurasikirwa, iyo nhoroondo yose haina mutero. ( IRA inogara iine 401 (k), kune rumwe rutivi, inobhadhara mutero , zvichireva kuti iwe uchabhadhara mitero yakawanda pane zvaunopa panguva yekurasikirwa).
Hapana Zvipingamupinyi Zviwanikwa
Kuita mupiro kuRoth IRA inobvumirwa chete kana mari yako iri pasi pemimwe mitemo . Hapana mitsara yakadai yeRoth 401 (k) hurongwa huripo, zvakadaro. Izvi zvinoita kuti Roth 401 (k) inyore kune avo vangave vasina kukwanisa kuwana iyo yekugadzirisa mari yekusarura iyo inopa kukura kwekusabhadhara mutero wemari yekuwana mari.
Mipiro Yakakwirira
Mipiro yeRoth IRA inokwana $ 5 500 (2016) kana $ 6 500 (2016, kana 50 kana kupfuura). Asi Roth 401 (k) zvipo zvinogona kunge zvakadarika $ 18,000 (2016) kana $ 24,000 (2016, kana 50 kana kupfuura).
Cherechedza, zvisinei, kuti iyi miganhu ndiyo yakabvumirwa zvachose ye 401 (k) zvipo. Sezvo zvakadaro, iwe iwe, semunhu wemakore makumi mana nemasere, sarudza kupa $ 12,000 kune imwe nguva 401 (k) muna 2016, iyo yaunogona kuisa muRoth 401 (k) iri $ 6,000. Mipiro yezvikamu zvose zvema 401 (k) uye Roth 401 (k) inobvumirwa chero bedzi kushandiswa kwako pamwe chete kwemupiro wako hakupfuuri muganhu wegore. Zvisinei, iwe unogonawo kupa mupiro weRoth IRA kana wawana muganhu wegore negore kune 401 (k) chirongwa.
401 (k) Muganhu wemiganhu ye 2016
IRA Contribution Limitengo ye 2016
Mushandi Wekufananidza Mipiro
Ungave kana kwete iwe unogamuchira mupiro unoenderana nekambani yako unotsanangurwa nemushandi wako. Kana ukagamuchira imwe, inotorwa kusati yateresi uye inobatwa zvakasiyana neRoth 401 (k) yako.
Roth 401 (k) vs. Regular 401 (k)
Kusarudza hurongwa hupi hwekuita nawo, kana wako waunoshandira achikupa zvose zvingasarudzwa, zvingave zvakaoma. Kunyange zvazvo pane zvakawanda zvakasiyana-siyana zvokufungisisa, zvinonyanya kukosha ndeyekuti unotarisirwa kutora mutero wekubhadhara muhutano huenzaniswa nehuwandu hwemitero yako yemutero. Kunyanya iwe unofunga kuti ramangwana rako remutero wekusvika richave rakakwirira, iyo inofadza aRoth ndiyo. Sezvo zvakadaro, vechidiki vanogona kunge vari mumatokari mashoma emitero nhasi vanofanira kunyanya kufunga nezveRoth 401 (k).
Iwe unogona kutarisa zvishomanana zvingangotarisa kuti uenzanise kusiyana kweiyo nguva dzose 401 (k) uye Roth 401 (k) uchishandisa kuenzanisa kuverenga.
Roth 401 (k) is Decision Company
Kwete kambani yose ine 401 (k) chirongwa uye kwete kambani yese ine 401 (k) hurongwa yakasarudza kuwedzera Roth 401 (k) chirongwa. Kana iwe usingaoni sarudzo yakanyorwa mubhuku rako rekubatsira, bvunza zvaunobatsira vamiririri. Kana iwe waunoshandira achiwana zvikumbiro zvakakwana, kambani ingangowedzera.