Apo Unogona Kubvisa Mari Kubva Wako Roth IRA
Kune marudzi maviri eIRAs: Traditional IRA kana Roth IRA . Pano tichaongorora mitemo inotungamirira Roth IRAs.
Roth IRA chii?
Kufanana neChechi yeIras, Roth IRAs inokubvumira kuchengetedza kusvika ma $ 5 500 gore rega rega (kana $ 6 500 kana iwe uri nemakore makumi mashanu kana kupfuura) muchikwereti chekuchengetedza mari zvichienderana nekuchinja kwako kwakagadziriswa mari yakawanda (iyo inosarudza kuti Roth IRA inopa mibairo yako ). Uyewo kufanana neChechi yeIras, unogona kugovera kuRoth IRA kunyange iwe wakatove wakagadzirirwa nepurogiramu inoshandiswa nevashandi se 401 (k). Kuva neIRA ichakubvumira kuti iwe urege kubhadhara mutero unobhadharwa mari kumusoro uye kupfuura imwe miganhu yako yegore negore.
Chinokosha chikuru pakati peChechi yeIra neRoth IRA ndechokuti zvipo zveRoth IRA hazvikwanisi kubhadhara mutero mugore ravanoitwa, zvinoreva kuti iwe uchave uchibatsira nekutora mitero . Kunyangwe iwe uri kubhadhara mitero pamari iyo ikozvino, mubayiro weRoth IRA ndeyekuti zvipo zvose zvepakutanga uye mari yavo inenge isingabhadhara mutero kana iwe uchiita kuti urege kubvisa kubva kubhandi pahupfumi kana mamwe mamiriro akatsanangurwa.
Asi zvakadini kana iwe uchinge uchitora zvishoma iwe usati warega basa? Iyi ndiyo imwe nzvimbo iyo Roth IRAs yakasiyana neyeMitambo IRAs.
Ona Mutambo vs. Roth IRA kuti uwane mamwe mashoko pamusoro pekusiyana pakati pezvikwereti izvi.
Roth IRA Yakakodzera Kugoverwa
Roth IRAs ine mitemo yakawanda inotungamirira kurapwa kwemitero yekuregererwa.
Zvakanaka, zvose zvamunoenda kubva kuRoth IRA yenyu zvichava kugoverwa zvakakodzera , iyo inoparadzirwa inosangana nezvimwe zvinoda. Izvozvo zvinoshandiswa zvinosanganisira:
- Iwe wakatora iyo yekinyorwa kwemakore mashanu (dzidza kuti sei kutonga kwemakore mashanu kwakaverengwa)
- Iwe une makore 59 ½ kana kupfuura
Kuregererwa kunoitwa pasi pemamwe mamiriro ezvinhu, akaremara kana kufa, kunogona kutsanangurwa sekugoverwa kwakakodzera. Imwe inogona kugoverwa yakakosha ndiyo inosangana nezvinodiwa zvakanyorwa pasi pekutanga kwekunge kutenga mutengo wemusha (kusvika kusvika $ $ 10 000).
Chimwe chikomborero chakakosha chekugoverwa kwakakosha ndechokuti iyo mari yemutero isingabhadharwi, iyo inogona kuva inobatsira zvikuru mukurega basa. Asi zvakadini kana iwe uchida kubvisa kubvisa izvo zvisingasviki zvinoda kurapwa sekugoverwa kwakakodzera?
Roth IRA Yisina Mvumo Yokubhadhara
Paunenge wakagadzirira kubvisa kubva kuRitura yeIra, kana iwe uri mujeri kana kwete, kugoverwa kwose kuchave kuri pasi pemutero wemari. Asi neRoth IRA, handizvo. Iwe unogona kubvisa mari kubva kuRoth IRA yako chero nguva, uye mari yawakapa iwe ichagara iripo kune yako isina mitero yemari kana zvikwereti. Chikonzero chekuparadzana uku ndechekuti iwe wakatobhadhara mitero pamari iyo usati waipa iyo kuRoth IRA yako.
Akaunti inodzinga humwe huripo pazvipo zvako zvepakutanga, zvisinei, zvichave zvichienderana nemitero uye zvinokwanisika kurangwa kana zvisingatarisirwi kugoverwa zvakakodzera. Chero chipi nechipi chisina kukodzera kubhadhara pamusoro uye kunze kwezvipo zvako zvepakutanga zvichave zvichienderana nemutero wemari. Uye kana iwe uri pasi pezera remakore makumi mashanu nemashanu, zviya zvekuregererwa zvichave zvakare pasi pe 10% yekutanga kutora chirango kunze kwekunge iwe uchinge uchinge uchinge uchinge uchitarisana nechimwe chezvishoma zvacho. Kana iwe uine makore 59 1/2 kana kupfuura uye ukaita kuti urege kubvisa kuRoth IRA uye usati wakasangana nemakore mashanu ekutakura zvinodiwa, yako yaunowana ichava pasi pemitero asi kwete chirango.
Zvakakosha kuchengeta mupfungwa kuti iwe unogona kusiya zvinhu zviri muRoth IRA yako chero bedzi uchirarama sezvo aya nhoroondo haisi pasi pemitemo inoshandiswa yekuparadzira .
Kana uri kutarisa Roth IRA kubvisa kusarura, kana kubvisa izvo zvisiri izvo zvisingatarisirwi kugoverwa kwakakodzera, iva nechokwadi chekudzidza pamusoro pezvinhu zvakapoteredza mutero wekubhadhara mitero yekusarudzwa kusina kukodzera.