Inogona Kubhadharwa Kwemitero-Imari Inoshandisa Roth IRA
Roth IRAs Vs. Zvimwe IRAs
Kungofanana nezvimwe zvirongwa zvekuchengetedza mari, kubhadhara mari inowanikwa mukati meRoth IRA haina kubhadharwa sezvo yakagadziriswa.
Iwe haufaniri kutaurira kufarira kana zvikwereti semari inowanikwa pamutero wako wekuteresa usati wapinda mubhadharo. Uyewo kufanana nedzimwe zvirongwa, kune zvipo zvekutora mari kubva kare.
Chii chakasiyanisa pamusoro peRoth IRA nhoroondo ndeyokuti mari inogona kubviswa zvachose musero mushure mushure mokunge usiya basa kana mamwe mamiriro ezvinhu aripo. Izvi ndezvokuti iwe hauna kuwana kubhadhara mutero kune zvipo zvaunoita muakaunti pamusoro pemakore, zvakasiyana iwe unogona kunge uine IRA. Iwe wakatobhadhara mitero pamipiro yako kamwe chete, panguva yawakagamuchira mari yawakapa, uye mari yaunowana haina kubhadharwa. Roth IRAs inopa mukana wakasiyana-siyana wekubhadhara mutero kune avo vanoponesa nevashambadziri pamusana pekugona kwavo kuunganidza mari yekusabhadhara mari.
Rimwe rubatsiro rweRoth nderokuti iwe unogona kukwanisa kupa urwu rudzi rweIRA kunyange kana iwe uchifukidzwa neurongwa hwekurega basa kubasa. Izvi hazvisizvo zvakaitika kune dzimwe IRAs.
Imari yakachengetwa mukati meRoth IRA yakasungirirwa kusvikira iwe wava kusvika kuzera remakore 59 1/2, iro rakafananawo nemabhuku akawanda ekurega mari. Pane zvimwe zvisiri izvo zvinokubvumira kubvisa mari yapfuura kune zvimwe zvikonzero. Kana zvisina kudaro, kuregererwa kwekutanga kubva kuRoth IRA kunowanikwa kune 10 muzana federal tax penalty uye chero ipi zvayo inobhadharwa ichabhadhara mitero.
Zvinokonzerwa Nemitero-Isina Roth IRA Kuparadzirwa
Mari dzinodzingwa kubva kuRoth IRA dzichave dzisina mutero zvachose kana:
- Kuparidzirwa kunoitwa makore mashanu mushure mezuva rawakatanga kugovera kuRoth IRA, uye
- Kugoverwa kunoitwa mushure mokunge mava nemakore makumi mashanu nemashanu kana kuti nekuda kwekuti makaremara, kana kugoverwa kwakabhadharwa kune waibhadharwa mushure mekufa kwako, kana iwe wakashandisa kugovera kutenga imba yekutanga.
Pamwe chete, izvi zvinogadzirisa kubvisa kubva kuRoth IRA "kugoverwa kwekufanirwa" kwekutengeswa kwemitero.
Mutero weKubhadhara Kwekusava Kukodzera
Kubvisa kubva kubhuku reRoth IRA iyo isingasviki nemitemo yekugovera zvikwereti inoshandiswa chikwereti. Mupiro wako wepakutanga kuRoth IRA unodzoserwa kwauri iwe usingabhadhari mutero, asi chero upi zvake wekubhadhara uye kukura kuri kukwana. Chikamu chekubhadhara chikwereti cheRoth chinowanikwawo pasi pe 10-percent yekutanga kugovera chirango.
Iwe Unogona Kupa Mari Yakawanda Sei kuRoth IRA?
Iko mari yakawanda yaunogona kupa muRoth IRA iri $ 5,500 gore rimwe nerimwe muna 2016 ne 2017. Vanhu vane makore makumi mashanu kana kupfuura vanokwanisa kupa mari inowanikwa $ 1 000 pagore semupiro wekubata .
Uyu muganhu unoshanda kune zvose zvetsika uye Roth IRAs.
Iwe unogona kugovera kune zvose mugore rimwe chete, asi iyo yose yakabatanidzwa yemipiro yako haigone kudarika zvakanyanya kwegore. Kana iwe ukapfuura zvakanyanya, iwe unofanirwa kugadzirisa dambudziko nekutora kusarudzwa kwekugadzirisa zuva risati rasvika rekudzokera kwako kwetero.
Mupiro Mitsara inobva Mitsva
Roth IRAs ine zvikwereti zvekuwana mari pamusoro pokuti ndiani anogona kuvabhadhara. Wako chaiwo Roth IRA muganhu wekupera unogona kuderedzwa zvakare kana kutobviswa zvachose zvichienderana nehuwandu hwemari yako yegore. Pano pane zviyero zviviri:
- Imwe yekutanga inonzi inowanikwa muganhu wemari. Iwe unogona kugovera kusvika kumiganhu yemupiro kana mari yako yawakawana gore, chero zvishoma. Nokuti IRA zvinangwa chete, zvakagamuchira mari inosanganisira mibairo yakataurwa pamusoro pe W-2, mari inobhadhara basa kubva kubhizimisi kana purazi, uye alimony. Kana zviwanikwa zvako kubva kune izvi zvose zvinokwana $ 5,000 chete, ndizvo zvese zvaunogona kupa muRoth IRA. Kana iri $ 30,000, unogona kuwedzera kusvika kune $ 5,500 muganhu.
- Chipiri chechipiri chinoshanda kune vateresi vane mari yakawanda. Inobva kune mubhadhadzi wechinoshandiswa chakachinjwa mari yakawanda yegore uye inotarisa kuti mari yakawanda sei, kana iripo, iyo inogona kugoverwa kuRoth IRA.
| Roth IRA Eligibility Phase-Out Yakagadziriswa neGold Modified | ||||
| Mamiriro ekudesa | 2016 | 2017 | ||
| kubva | to | kubva | to | |
| Single | $ 117,000 | $ 132,000 | $ 118,000 | $ 133,000 |
| Musoro weMhuri | 117,000 | 132,000 | 118,000 | 133,000 |
| Vakaroorana Vanowedzera Jointly | 184,000 | 194,000 | 186,000 | 196,000 |
| Kufanirwa Chirikadzi / er | 184,000 | 194,000 | 186,000 | 196,000 |
| Vakaroorana Vanodyara Zvimwechete * | 0 | Zviuru gumi | 0 | Zviuru gumi |
| Kunobva: | IR-2013-86 | IR-2014-99 | ||
Vakaroorana vanogona kushandisa mibairo yekusarudzwa kune vanhu vasina kuroorwa kana vakararama vari voga uye vari kure kune umwe kune imwe nyika yose yemutero.
Mitezo mitatu inobvira
- Kana yako AGI yakashandurwa iri pasi pe "kubva" mari yakaratidzwa pamusoro apa, unogona kugovera kusvika pahuwandu hwemiganhu yemugovera muRoth IRA.
- Kana yako AGI yakashandurwa iri pakati pe "kubva" uye "kusvika" mari, zvipo zvako kuRoth IRA zvishoma kana kuti "kubudiswa" maererano nekuverenga kwakaitwa uchishandisa Worksheet 2-2 muIrS Publication 590.
- Kana yako AGI yakashandurwa ikapfuura mari ye "to", hauna kukodzera kupa Roth IRA gore iroro.
Kune vakawanda vanobhadhara mutero, avo vakagadziriswa AGI ndiyo yakagadziriswa mari yako yakawanda pamwe chete nemitero-isina kubhadhara mari inowanikwa mumiganhu 37 uye 8b yeFomu 1040 uye chero ipi zvayo yepamusoro-in-line yakatora iwe, asi chengeta nemudzidzisi wemitero kana iwe unonzwa sewe iwe 're pedyo ne "kubva" muganhu kuitira kuti uve nechokwadi. Wako MAGI ne AGI zvingangove zvakafanana kana iwe usina kutora chero ipi zvayo yemitambo yekutora.
Kuchinja Maridzi Kubva Kune Mamwe Muchengeta Mari
Mari inokonzerwa nemitero kubva kune tsika dzekare, 401 (k), kana zvirongwa zvakafanana zvekugadziriswa kwemutero zvinogona kutendeukira kuRoth IRA , asi izvi zvinoreva kusunungura mutero. Iwe uchabhadhara mitero pane zvakakonzerwa kuwanikwa uye pane chero zvipo zvekuponeswa kwawakaita kutora mutero. Izvi zvinoshandura mari isati yabhadhara mumutero wemutero.
Kusiyana nemiganhu yeRoth IRA, hapana mitsara yemari yekuwana kuRoth IRA. Izvi zvinoumba mukana wokuronga mutero kune vanhu vanowana mari yakareba vasingakodzeri kubhadhara zvizere Roth IRA zvakananga. Vaibhadhara mari yakakwirira vanogona kubhadhara mari isiri iyo inobviswa, tsika dzekare dzeIRA, uye gare gare dzinoshandura kuti IRA yemaitiro kuenda kuRoth.
Chidimbu cheMitero yeRhafu uye Kukanganisa
- Mari yekubhadhara yakawanikwa mukati meRoth IRA haina kuziviswa pamutero wako wegore wekudzokera.
- Kubhadhara kubva kuRoth IRA kunogona kunge isina mitero yese pasangano re federal.
- Roth IRAs hadzina mvumo yekugovera zvishoma, inozivikanwa seMRDs. Iwe hausi kutarisirwa kutora mari yacho kusvikira iwe uchida.
- Roth IRAs inogona kuendeswa kune vagari venhaka uye saka inogona kupukunyuka mutero wemari yepamusoro uye mitero yeimba .
- Kutanga kubuda kubva kuRoth IRA kunogona kuenderana nemitero uye zvikwereti.
- Pane mitsara yekuwana mari yekukwanisa kubhadhara Roth IRA.
- Kurasikirwa muRoth IRA inobhadhara mutero chete kana iwe ukabudisa iyo nhoroondo yacho yose, iyo inogona kunge isingaiti nguva dzose inobatsira.