Nzira yekuita nayo pfungwa yeRoth IRA (Chete Retirement Refer Account).
Ndiani Anofanira Kuzarura Roth IRA
A Roth IRA inonyanya kukoshesa
- avo vasina kukodzera kugamuchira 401 (k) vashandi vanofananidza kupiwa
- avo vanogona kuchengetedza zvakawanda nokuda kwekurega basa kupfuura mari yavanoshandira
Nemikana yemutero-zvakakosha kukura zvishomanana, Roth IRA inzira yakanakisisa yekuva mari yakazvimiririra nekurega basa.
How and Where to Open a Roth IRA
Iwe unogona kuzarura Roth IRA kunenge kune imwe bhengi kana imba yekutengeserana, kana uri-munhu kana paIndaneti. Kuzarura Roth IRA inzira inoratidzika, inowanikwa nekubatsira zviri nyore. Kazhinji, pane maitiro mashomanana kuti iwe upedze. Uya nehuwandu hwehupfumi hwehutano hwako pamwe chete neNhare dzeNyika dzeKachengetedza uye mazita evamwe vanogona kubatsirwa neakaunti yako.
Mari Yakawanikwa uye Roth IRA
Mari yaunobvumirwa kugovera kuRoth IRA inongopedzerwa nemari yako yaunowana. Mari inowana mari inosanganisira mibairo uye kuzvipira kubhadharo, asi hazvirevi chikwereti kana zvikamu. Kana iwe wakaroorwa, yako yakawedzerwa mupiro wemiganhu inongororerwa kuwandu hwemari yako yakawanikwa yakawanikwa.
Mupiro Mitsara yeRoth IRAs
Kwemakore emitero 2016 ne 2017, iyo yaunogona kuisa muRoth IRA iri $ 5,500.
Kana iwe uri makumi mashanu kana kupfuura, unogona kupa mari inosvika $ 6 500. Kana wakagamuchira mari, iwe unogona kugovera kune zvose tsika dzeIRA neRoth IRA, asi kusanganiswa kwezvipo zvako hakukwanisi kudarika $ 5 500 ($ 6,500 kana 50 kana kupfuura).
Roth IRA Contribution Deadline
Nhengo imwe neimwe yeRoth IRA inopindirana neimwe gore rekarenda.
Iwe unogona kupa mupiro kubva munaJanuary 1 wegore iroro kusvika pakupera kwekutsvaga kwemutero wako kudzoka. Vaya vanoda kuita mupiro weRoth IRA we 2016 vanogona kuita kudaro kubva munaJanuary 1, 2016 kusvikira paApril 18, 2017. Nguva yakatarwa yezvipo zveRoth IRA zvegore ra2017 raApril ndiApril 17, 2018. Haufaniri kuita zvose $ 5,500 mupiro panguva imwe chete; iwe unogona kupa michero midiki mishoma, chero bedzi iyo yose yakapiwa haina kudarika $ 5,500.
Hapana Chekubhadhara Mutero weRoth IRA Contributions
Hapana kubhadhara mutero kunowanikwa mupiro weRoth IRA. (Vanhu vakawanda vanowana kubhadhara mutero kune zvipo zvavo zvepaIRA , zvisinei.)
Roth IRA Mipiro Inokodzera Kubhadhara Mubhadharo Mutero Mutero
Kunyange zvazvo kubhadhara mitero yekubhadhara mari hakukwanisi kupiwa mari yeRoth, vamwe vabhadhara vanokodzera kuRetirement Savers Credit maererano nemari yavo yakagadziriswa yakawanikwa. Izvi ndizvo zvinowedzera kukurudzira mutero wemitero unopa vateresi vari pasi nepakati uye vari pakati kuti vawedzere mari yavo yekurega basa uye kuderedza mitero iri munzira. Kuti uwane mamwe mazano pamusoro pemiganhu yekuwana mari yeRetirement Savers Credit ye 2017 chengetedza iyi link .
Kubhadhara Kukura Kusina Kubhadhara Kubva kuRoth IRA
Mari yaunobatsira Roth IRA yako inokura kusina mutero.
Iwe haufaniri kubhadhara mitero chero ipi zvayo mubhadharo munhoroondo. Ichokwadi, hausati wambotaurira mari yacho ku IRS. Kunyangwe mukurasira, apo iwe unotanga kutanga kuwana mari yako yeRoth IRA, hauna chikwereti chemitero pakuparadzirwa. Kana iwe ukatora Roth IRA yako mari isati yasara, asi mitero inogona kunge yakafanira.
Kurasikirwa Kwemari uye Roth IRAs
Mvumo yekubatsira kuRoth IRA inogadziriswa nehuwandu hwekutsvaga kwako uye yakashandurwa yakagadziriswa mari yakawanda . Iro Roth IRA muchengeti wekupera inoshandura gore negore. Kwegore ra2017, mutero usina kukwana unokwanisa kugovera kuRoth IRA muna 2017 iyo inopedzerwa apo kushandurwa kwakagadziriswa mari yakawanda (MAGI) inosvika $ 118,000 - $ 133,000. Kana iwe uri muwanano kuisa pamwe chete, kukwanisa kwako kugovera kuRoth IRA kunopedzerwa sezvo MAGI yako inosvika pakadarika $ 186,000 kusvika ku $ 196,000 muna 2017.
Kwete Aidiwa Kuparadzirwa kubva kuRoth IRAs
Kusiyana ne401 (k) zvirongwa uye tsika dzeIrasi, hakuna makore maunofanira kutanga kugovera mari kubva kuRoth IRA yako. Somugumisiro, Roth IRAs inyanzvi yakaisvonaka yekupfuura nepfuma kune vana vako kana vazukuru.