Roth Kutendeuka - Unofanira Kuita Roth Conversion?

Kukodzera, Mutero, uye Kubhadharwa Kwemari Kubvunzurudzwa Kwechikonzero Chekushandura Roth

Kutendeuka kweRoth kwekambani yekurasikirwa kwemakore ndiyo chisarudzo chikuru. Pakati pezvimwe zvikonzero, unofanira kufunga nezvemari yako yemutero wezvino, iwe unotarisirwa mune ramangwana rebhadharo yemutengo, uye inotarisirwa kutarirwa kwekudzoka kwezvikwereti zvako. Asi usati watora nguva yekuziva kana kutendeukira kuRoth IRA yakakodzera iwe, iva nechokwadi chokuti wakakodzera kutendeuka pakutanga. Kungofanana nezvimwe zvirongwa zvekurega basa , zvinobatsira kuwana mashoko ako ose pamwechete panzvimbo imwe.

Chii chinonzi Roth Conversion?

Kutendeuka kweRoth isarudzo yekuzvisarudzira yekushandura urongwa huripo hwekurega basa , hwakadai se 401 (k) kana kuti tsika yeRRA , kusvika kuRoth IRA . Nokuita kudaro, iwe unotora mari iyo ikozvino inobatwa semutero-inoderedzwa uye ichiipindure iyo yenyaya iyo inokura isina mutero. Kuti uite kutendeuka kwakadaro, zvakadaro, unofanira kubhadhara mitero pamutengo waunoshandura.

Ndiani Angachinja kuRoth?

Kunyange zvazvo kune mitsara yemari inokonzera kukwanisa kuita mupiro weRoth IRA, hapana mitsara yekuwana mari yekutendeuka kweRoth. Asi izvi hazvisi nguva dzose. Mutemo usati wapera kuchinja kwakaitika muna 2010, kuitira kuti uve wakakodzerwa kuchinja kero yekusarudzwa kwemitero kuRoth IRA, yako yakashandurwa yakawanda yakawanikwa mari (MAGI) yaifanira kunge isingasviki $ 100,000. Kubviswa kwemuganhu wekugadzirisa muganhu uyu wakazarura Roth kutendeuka kushandiswa kwevanhu vakawanda.

Kuita Chisarudzo Pamusoro peRoth Conversion

Kuchinja kakawanda kunonzwisisika kana:

• iwe unofunga kuti kubatsirwa nemari yako kukura musero-pasina kuchave kwakakura kudarika mutengo wekubhadhara mitero inokonzerwa nekushandurwa
• iwe une mari inowanika kubhadhara mitero inofanira kutendeuka

Izvi zvingasava nyore kugadzirisa kuita.

Nenzira yakanaka, kune dzakawanda calculator kukubatsira iwe, kusanganisira iyi Roth IRA conversion calculator.

Kufanana nekuongororwa chero kupi zvako, mhinduro ye calculator inongova yakarurama semafungiro aunopa. Ramba uchiyeuka zvinotevera paunosarudza kwako nezvekutendeukira kuRoth:

• Kana iwe unotarisira kuti mutero wako wepamusoro uwedzere mukurasira pane zvazviri iko ikozvino, kutendeuka kunowanzove kwakakodzera kufamba.
• Iyo huru yakatarwa yekudzoka kwemari yako, iyo inowanzoita Roth kutendeuka pfungwa yakanaka.
• Izvo zvaunenge wava nazvo kusvika pakurega (uye, saka, kusvikira iwe uchida kubvisa mari yako kubva muRoth IRA kuitira kuti uzviriritire), zviri nani kuti kutendeuka kweRoth kuonekwe.

Chimwe chikonzero chinokosha: kubvisa mari kunze kwekambani yako yekubvisa mari kuitira kuti ubhadhara mitero inokonzerwa nokutendeuka chiratidzo chakasimba chokuti kutendeuka kweRoth kungasave kwakakodzera kwauri.

Pamwe Pasina Deductible Contributions uye Roth Conversion

Kana iwe wakamboita zvipo zvisingabhadharwi kuIRA yako kana 401 (k), ipapo chikamu chemari yaunotendeukira kuRoth IRA haisi pasi pemutero. Zvinosuruvarisa, iwe haugoni kungotora chikamu chisingaregi chikamu. Pane kudaro, hurumende inoda kuti dhora rose raunoshandura riparadzaniswe pakati pekusingatengesi uye kubhadhara mitero zvichienderana nehuwandu hwezvipo zvisingabhadharwi zvinomiririra kukosha kwekodha rako rekubvisa mari .

Semuenzaniso, kana iwe wakamboita mari isingabhadharwi kuIRA yako ye $ 8,000, kukosha kwezvose zvako zvekare zvekare IRAs ndeye $ 80,000, uye iwe unosarudza kuchinja $ 10,000, uye 10% ($ 8,000 kubva kune $ 80,000) yekutendeuka kwako, kana $ 1000 ($ 10,000 x 10% = $ 1 000) haibhadharwi. Iwe waizobhadhara mutero kune yakasara $ 9,000 kutendeuka.

Nhoroondo Yaunogona Kuchinjira kuRoth IRA

Kana iwe uchikodzera, iwe unogona kutenderera tsika yeIRA kana 401 (k) kuRoth IRA. Cherechedza, zvisinei, kuti iwe haugone kuchinja 401 (k) kuRoth IRA apo uchiri kushanda kumushandi uko 401 (k) yako inobatwa. Zvisinei, paunopedza basa, unogona kuchinja uye rollover IRA yako panguva imwe chete.

Zvose kana Hapana?

Vanhu vazhinji havagoni kubhadhara mitero inokonzerwa neRoth IRA inogona kutendeuka. Zvinosuruvarisa, kunyange zvazvo vamwe vevanhu ava vachifunga kutendeuka ndiyo yakanakisisa yezvenguva yakareba yemari, isu havanzwi kuti vanogona kutora zvishoma.

Kana izvozvo zvichiita sezvinongoita iwe, pangave nemhinduro imwe chete: chengeta chete chiyero chenhoroondo yako iyo yaunoziva iwe unogona kunyatsogona kubhadhara mutero. Chero bedzi uchiramba uchikodzero yekushandura, iwe unogona kuramba uchiita shanduko isina kukwana gore negore, usingatombofaniri kutora mutero mukuru wemitero, asi zvishoma nezvishoma uchishandura mabhidhiyo ako ekurega kubhadhara mutero usingabhadhara mutero.