Roth IRA Inotonga 2014

Mhedziso yeMitemo yekupa Mupiro Mitsara, Zvikamu zvekuwana, uye Kubhadhara

Iwe unogona kunge uchiziva kuti, kune vashandi, Roth IRA inowanzoonekwa yakakosha mune zvose zvakasiyana neChechi yeIra. Kuti uone ruregerero rwakakwana rwekuti iwe uri nani sei, tarisa ichi rutivi-nerutivi rwekuenzanisa . Zvisinei, Roth IRA inotonga yakasiyana nedzimwe tsika yeIra inotonga saka zvakakosha kunzwisisa kuti mapeji aya emitero yakakosha anoshanda sei kana uchironga kuvashandisa pakuvaka upfumi paunenge uchiunganidza zvikwereti, chido, uye mari yausina mutero .

Nokufukidzira kunyanya kukosha kwemitemo iyi iwe unogona kukwanisa kuzvidzivirira kubva kune zvimwe zvisingafadzi, uye zvinodhura, zvinetso.

Roth IRA Inotonga Mutengo Wemari Kubvumirwa Mutero Wegore 2014

Zvinosuruvarisa, rimwe rematambudziko anonzi Roth IRA rinotonga rine chokuita nemiganhu yekuwana kukodzera. Kuti uwane ruzivo rweRoth IRA mune chero ipi zvayo yemutero wemutero, unofanirwa kuwana mari shoma pane yakanyanya kugadziriswa yakagadziriswa yakawanda inowanikwa mari yakabudiswa neI IRS. Izvi zvakashandurwa AGI yakavakirwa pazviverengero zvakasiyana uye inosanganisira kutora mari yako yakagadziriswa uye kuwedzera zvimwe zvekuregererwa kwemari, kubhadhara mari, kukweretesa chikwereti chevadzidzi , mutero webasa roga, uye mimwe mitsetse pane mitero yekudzoka.

Kwegore remutero 2014, izvi zvinoreva:

Roth IRA Inotonga Murairo Wokuwana Kukodzera - Vakaroorana Vanowedzera Jointly Mutero Gore 2014

• Vakaroorwa, kuisa pamwe chete: $ 181,000 kana pasi = Roth IRA yakakwana
• Vakaroorana vachifambidzana pamwe chete: $ 181,001 kusvika ku $ 191,000 = Tanga chikamu kunze kwekodzero yeRoth IRA

• Vakaroorana vakanyora pamwe chete: $ 191,000 kana kupfuura = Haafaniri kubhadhara Roth IRA pasi pemitemo iripo

Roth IRA Inotonga Murairo Wokuwana Kukodzera - Vakaroorana Vanowirirana Zvikamu Mumutero Wegore 2014

• Vakaroorana, vachipinda vari voga: $ 0 = Kuzara kweRoth IRA
• Vakaroorana, vachipinda vari voga: $ 1 kusvika $ 9,999 = Tanga chikamu kunze kwekukodzera Roth IRA

• Vakaroora, vachiisa pasi: $ 10 000 kana kupfuura = Haafaniri kubhadhara Roth IRA pasi pemitemo iripo

Roth IRA Inotonga Murairo Wokuwana Kukodzera - Vanhu Vasingaregi Mutero Wegore 2014

• Single: $ 114,000 kana zvishoma = Chizere cheRoth IRA chakakodzera
• Single: $ 114,001 kusvika $ 129,000 = Tanga chikamu kunze kwekukodzera Roth IRA
• Single: $ 129,000 kana kupfuura = Haafaniri kubhadhara Roth IRA pasi pemitemo iripo

Kana iwe ukawana kuti hauna kukodzerwa kutenga mari pasi peRoth IRA inotonga, usatye. Iwe unogona kunge uchiri kutenderedza mutemo nekuita chimwe chinhu chinozivikanwa sewe backdoor Roth, iyo inosanganisira kubhadhara mari yeRitura yeIra ndokubva yatendeukira kuRoth IRA.

Roth IRA Inotonga Mipiro Inopera Mumutero Wegore 2014

Nemhaka yokuti Roth IRA inopa kudzivirirwa kunoshamisa kubva pamitero, Congress inogadzirisa zvakanyanya mari yaunogona kupa kune rimwe gore negore. Iwe unogona kungozvipira kune mari yako yaunowana (mari inowanikwa kubva mubhadharo, mubhadharo, purogiramu shoma duku yemabhizimisi, makomisheni, pfuma yakawanda, mazano nemabhonasi), zvinoreva kana wakaita $ 2,000 chete gore rapera, haugoni kubhadhara zvizere Roth IRA. Kune rumwe rutivi, kana iwe usingashandisi asi iwe wako wako, pasi pemamiriro ezvinhu akawanda, Roth IRA inotendera kuti iwe ukwanise kubhadhara zvizere yako inonzi "murume nemudzimai" nhoroondo pamwe chete nemurume wako kana mudzimai wako.

Izvi ndizvo zvakadaro vabereki vanogara-kumba-havaregi kurangwa.

• Vateresi makore makumi mana kana kuti vaduku = $ 5 500 muhope yeRoth IRA
• Vanokwereta makore makumi mashanu kana kupfuura = $ 6 500 muzana weRoth IRA

Fungidzira iwe nemumwe wako makaita $ 100,000 gore rapera. Iwe uri mubereki wekugara-kumba. Wawakaroorana naye 51, iwe uri 49. Pasi pezvino Roth IRA inotonga gore ra2014, unogona kupa $ 5 500 kuRoth IRA yako uye wako wako anogona kupa $ 6 500 kune Roth IRA yake. Semhuri, izvi zvinoreva kuti iwe unenge uri kuchengetedza $ 12,000 mumari mitsva muRoth IRAs yako, zvichikubvumira kuti unakidzwe nehuwandu hwezvakanaka mukubatanidza matanda , zvisungo , mutual funds , dzimba , kana zvimwe zvipimo unosarudza kuwana.

Roth IRA Inorayira Kupa Murairo Nhasi

Iwe unobvumirwa kugovera kuRoth IRA mushure mokunge mutero wakatarwa mutero wakatarwa mushure megore rekubhadhara riri mubvunzo.

Zvinyorwa hazvibvumirwi. Semuenzaniso, kana mutero wepamutemo wepamutemo uri musi waApril 15, 2015, unogona kubhadhara Roth IRA yako mugore rekutere 2014, pasi pemakore e2014, mushure meApril 15, 2015.

Mitemo yakasiyana nedzimwe mhando dzeIRAs, dzakadai seSeP-IRAs, dzinokubvumira kuti uwedzere mupiro wekubatsira mari yako nguva yakatarwa pamwe chete nemitero yako yemitero, kazhinji kusvika pakupera kwaOctober.

Roth IRA Mitemo Inoda Kuti Vakaroorana Vakwanise Kuchengeta Nhoroondo Dzakasiyana

Vose Roth IRAs vanofanira kunge vari voga. Vakaroorana havagoni kuunganidza Roth IRA yavo mune imwe nhoroondo, asi pane kudaro, mumwe nomumwe anofanira kunge ane purogiramu yake yakasiyana yakasimbiswa nesangano rezvemari ravakasarudza. Iwe haufaniri kubhadhara mari yose yeRoth IRAs, iwe unogona kubhadhara imwe, imwe, kana, zvose, kana iwe ukasangana nemimwe mitemo.

Roth IRA Inotayira Mitero Yokubvisa

Chero mari yaunobatsira kuRoth IRA haisi mutero inobviswa. Zvisinei, mukuchinjana, pasi pemamiriro ezvinhu ose, mari yaunoita mukati meRoth IRA yako inofanira kunge yakakwana zvachose uye isingabhadhara mutero. (Zvimwe zvisiri izvo zviriko, kunyanya kune chimwe chinhu chinozivikanwa seChinhu Chisingabatanidzi Bhizimusi Kubhadhara Mutero, kana BIT, asi icho hachizomboshandi ku 99%.)

Zvichireva, izvi zvinoreva kuti pasi pezvino Roth IRA inotonga, kana iwe uchikwanisa kukura account yako kusvika $ 10 000 000 uye ukatora $ 400,000 + pagore muchikamu chemari, haufaniri kubhadhara penny kune IRS apo kana zvikamu zvikaiswa muchikwereti chako kana apo iwe uchibvisa mari yacho panguva yokurega basa. Kusiyana neizvi, Mutemo weIra unotendera vanhu vazhinji kuti vatore chikamu chekutanga kubva pamitero yavo yebhadharo, kubhadhara mari yekusabhadhara mari kusvikira kubhadhara, ipapo kubhadhara mutero, wenguva dzose mutero wekubhadhara pamusana pokusvika mamwe mazera akakodzera.

Roth IRA Inotonga Kubhadhara

Iwe unogona kuita kubviswa kwehurukuro yawakapa muRoth IRA chero nguva, mutero usingabhadhari, pasina chikonzero, pasi pemamiriro akawanda. Kana iwe ukasarudza kubvisa mari yekubhadhara iyo yakave yakagadzirwa mukati mekambani, uye iwe hausati wawana imwe yepamusoro yeRoth IRA inotonga kusunungurwa, iwe unogona kutongerwa nemhosva ye10% muZimbabwe. Mitemo yemitero inoshandura nguva dzose kuitira kuti iwe uwanewo mitero yehurumende uye yepamunharaunda; chengetera nemuteresi wako wekuteresa.

Ndezvipi izvozvi kuregererwa? Kune humwe mairi masere, imwe neimwe inonyorwa zvakare zvakazara munyaya ino pamusoro peRoth IRA inotonga yekudzivisa kubhadhara mari yekutanga , asi pfupi-pasi ndeyokuti:

1. Kuremara kusingaperi kwemuenzi weRRA IRA
2. Rufu rwemuRoth IRA
3. Kubhadhara kunobhadharwa kubhadhara mari isiri iyo yekubhadhara mari yezvemari inopfuura 7,5% yemari yako yakagadziridzwa mari yakawanda
4. Kusvika ku $ 10 000 kamwe chete muupenyu hwako kubatsira kubhadhara imba
5. Imwe dzidzo yepamusoro yepamusoro mune zvimwe zvishoma
6. Mari inobhadharwa neInternal Revenue Service kubva kuRoth IRA mushure mokunge yatora mutero unopesana nekambani
7. Mishonga yeInishuwarenzi yezvehutano kana iwe wakanga uri pakushaya basa kwemakore masere gumi
8. Kuchinja makore 59.5

Imwe yeRoth IRA inotonga kuregererwa kune chokuita nekugadziriswa kugoverwa (mari iyo hurumende inokumanikidza kuti ubvise mubhuku racho kana iwe ukazosvika kune imwe nguva kuti uchengetedze kunakidzwa nenzvimbo yemutero kwenguva refu). Kusiyana neIra Traditional, Roth IRA haichazokumanikidzira kuita zvinoregererwa zvishoma nezvishoma paunosvika makore makumi manomwe nemakore mashanu. Kana iwe uchida kuramba uchiwedzera mari yako yemutero-isina kusvikira wava nemakore 105, uye iwe unogona kuzviita kwenguva yakareba, ikozvino yakabvumirwa. Kune munhu ane kunyange kuperera kwemazuva ose, izvi zvinogona kureva zvakawanda zvekuwedzera zvakakosha uye kwete kutemerwa kuenda kuHurumende, hurumende, kana hurumende yekunze, kuunza hupfumi hwakawanda kune vana vako, vazukuru, dzimwe vagari venhaka, uye / kana vanobatsirwa vanobatsira .

Kana Usati Watove Wakabhadhara Rimwe, Kunyanya Funga Kuzarura Roth IRA

Ndaenda kure nekutsanangura Roth IRA semutero wakakwana . Kana iwe usina imwe, iwe uri kukanganisa zvachose pane zvimwe zvinonakidza zvinobatsira. Vanogona kuvhurwa mumaminitsi mashomanana chete uye haufaniri kuribhadhara zvakakwana - iwe unogona kugara uchikanda chero zvaunogona kukwanisa kufunga kuti iwe unosangana neRoth IRA inotonga. Tanga nemumwe nhasi, kunyange kana iwe wose uchitanga kuzarura nekodhi nebhasi-ine-index index fund uye uisiye iyo yega yemakore makumi mashanu anotevera.