Nhoroondo iyi yekurasikirwa ingakubatsira sei kuchengetedza
Chokutanga, zvinhu zvinokosha: IRA inomiririra "rimwe rega rekubatira mari." Icho chinoreva chaizvoizvo zita racho rinorevei - iyo inotora mari yekubvisa munhu (iwe).
IRA inogadziriswa nemubati wenyaya. Izvozvo zvinoreva iwe, pane iwe waunoshandira, unofanira kutora danho rokutanga kugadzira IRA.
Iwe unozviita sei? Bata chero basa guru rekubhadhara mari - seVanguard, Schwab, T. Rowe Price kana Fidelity. Imwe yekambani idzi dzine mafomu ekushandisa muIndaneti kuti iwe unogona kuzadza kuumba IRA.
Saka chii chiri Roth IRA? Kuti upindure mubvunzo uyu, ndichafanira kutsanangura kuti mari mukati meIRA yako inotengesa sei.
Mitero Inoshanda Sei MuIra Yemazuva Ano
Nenzira, vanhu vanogona kudzokera shure vachibhadhara mitero pamari yavanoisa mukati meIRA yavo. Ngatiti iwe unowana $ 50,000 uye unoisa $ 5,000 muChechi yako yeRRA. Iwe uchabhadhara mitero kune $ 45,000 chete inokosha yekuwana mari. (Nokuda kwekuchengeta muenzaniso uyu uri nyore, isu tiri kufunga kuti hautore chero imwe mitero yakabviswa.)
Ita $ 5,000 mukati memutambo wako weRRA inokura musero musero mumakore ese. Izvozvo zvinoreva kuti mari yekuwana mari uye zvikwereti zvinokwanisa kuzvibatanidza pachavo pasina kutanga kutora mutero kubviswa. Izvi zvinokubatsira kuti uwedzere kuwana zvaunowana.
Zvisinei, pakupedzisira, kana iwe ukarega uye iwe ukabvisa mari kubva kune yako Yendabuko IRA, iwe uchabhadhara mutero wose wemutero: iwe uchabhadhara mutero wemari uye nguva yakareba yemari inowanikwa mutero.
Roth IRA Kusiyana Nemitero
Roth IRA inobhadharwa zvakasiyana. Kana iwe ukawana $ 50,000 uye iwe ukaisa $ 5,000 muRoth IRA yako, iwe uchari kubhadhara mitero pa $ 50,000 ose emari.
Pamusoro pepanyika, izvi zvingaita sokunge zvakanyanya kuitika. Sei uchibhadhara mitero nhasi, apo iwe unogona kudzorera mitero panzvimbo iyo?
Heino chikonzero chakamanikidza nei Roth IRA yakakosha zvikuru: HAPANA kuripa mitero pamari iyo zvakare, kwete kunyange pamari yako inowanikwa uye zvikamu.
Mune mamwe mazwi, mari inobvumirwa kukura uye kuwedzera mutero usingabhadhari, uye kana iwe ukabvisa mari iyo mukurasira, iwe haungabhadhara dime mubhadharo, kwete kunyange kune iyo inowanikwa.
Ndinofanira Kusarudza IRA Yemazuva Here kana Roth IRA?
Taura kune unyanzvi wemutero akakodzera pamusoro pekodhi rakakunakira iwe. Sezvo mutemo wehuwandu hwechigunwe, Roth IRA yakakosha kune vanhu vari mumakore avo makumi maviri, makumi matatu nemakumi mana, avo vachiri nemakumi emakumi emakore vakasiyiwa kusvikira vasara.
Iri boka rezera rinogona kuve nekuona zvikomborero zvakakura mumapatoforeti avo, saka ivo vanozobatsirwa zvikuru kubva pakuregererwa kubhadhara mutero kune izvo zvinobudirira.
Uyewo, kana iwe uchifunga kuti uri mubhasikiti yepamusoro ikozvino kupfuura iwe unenge uri mune ramangwana, Roth IRA inowanzova sarudzo yakanakisisa. Ngatiti iwe iye zvino uri mumapato makumi maviri kana makumi maviri nemashanu kubva muzana, uye iwe unofungidzira kuti mune ramangwana, iwe uchava mumapato makumi matatu kana makumi matatu nemakumi matatu ematero. Mune mamiriro ezvinhu, iwe uri nani kubhadhara muRoth IRA.
Izvozvo zvakati, zvinenge zvisingakwanisi kufanotaura kutengesa mutero mune ramangwana, nokuti hapana anoziva kuti mitemo yeCongress ichapfuura.
Vanhu vazhinji vanozviwanawo mubhaketi shoma shoma pavanosiya basa, nokuti vari kuwana mari shoma. Zvakare, iwe unoda kusangana nemudzidzisi wemitero akakodzera kuti asarudze kuti ndeipi nzira yekuita yakakunakira iwe.
Ndiri Mvumo yekuita mari muRoth IRA here?
Haasi munhu wese akakodzera kupa Roth IRA.
Chokutanga pane zvose, iwe unogona kupa mupiro wakabhadharwa, unotengesa mari. Izvozvo zvinoreva kuti kana iwe usina kuwana penny gore rino, haugoni kuita mupiro weRoth IRA.
Sezvatakakurukura, munhu muduku ndiye, ivo vanowanzobatsirwa neRoth IRA. Somugumisiro, vabereki vakawanda vanoedza kuisa Roth IRAs nokuda kwevana vavo.
Zvisinei, vabereki vanoona kuti havagoni kuisa Roth IRA kune vana vavo kunze kwekuti mwana ari kuwana mari inotengesa.
Chechipiri, mari yako inofanirwa kunge iri pasi pechimwe chikumbaridzo.
Ichi chinyorwa chinotsanangura kukodzera uye mitezo yemiganhu.
Zvakadini Kana Tiri Vakaroora, Imwe-Imari Imba?
Kana iwe newawakaroorana naye mukasarudza kubatanidzwa mutero wekudzoka, imi mose muri vaviri munogona kuita mishonga yeIRA, kunyange kana mumwe chete wenyu ane kodzero yekubhadhara.
Mune mamwe mazwi, kana imba yako ine amai vanoshanda uye baba vanogara-pamba, kana zvimwewo, vabereki vose vanogona kupa mari kune IRA yavo pachavo. Hazvina basa kuti ndiani awana mari.
Zvipo zvako zvakabatanidzwa - semurume nemudzimai - hazvikwanisi kuva zvinopfuura kubhadhara mari inoshushwa pamusoro pekubatana kwemutero wekudzokera.