Vashandi, shandisai mari yenyu yebhadha, uye tarisai Roth IRA.
Craig akati pfungwa iyi yakabva pakuona firimu "Gentlemen Prefer Blondes" inosanganisira Marilyn Monroe paanoimba rwiyo rwechiratidzo.
Akanga aine hanya nekuti vazhinji vevarume vakekadzi vaive vasina kubhadhara mari yeRoth IRAs, kana kuti yakaipisisa, vakanga vasati vanzwa nezvavo.
Somukadzi ari kuronga mari, apo ini ndakatanga kunzwa musoro weChris's workshop, ndaive ndakagadzirirwa. Ndakatora mari yeRoth yemari kwemakore, uye ndinokurudzira vashandi kuti vawane mari kana vachikwanisa kuita kudaro. Heano pane zvikonzero zvitatu zvepamusoro Craig uye ini tose tinofunga kuti Roth IRAs ndiyo shamwari yakanakisisa yemukadzi.
1. Kugona
Vakadzi vakawanda havachengetedzi gwaro rekuchengetedza mvura muzita ravo pachavo. Kakawanda kero yega yega yavo iyo isiri yenyaya yakabatana ndeye 401 (k) kana imwe nzvimbo yekushandira mari yekugara. Asi zvirongwa izvi zvekurega basa hazvisviki nyore. Mitero, zvikwereti kana mari inokweretesa inokweretesa uye mapepa (kana zvikwereti zvinopiwawo) kuchengetedza mari idzi kuchengeteka kwemakore ekurega, asi kwete nyore nyore kushandiswa nhasi. Icho hachisi chinhu chakaipa. Nhoroondo idzi dzinofanira kugara dzichishandiswa kushandiswa.
Asi iwe uchiri kuda mari inowanikwa nokuda kwe "hupenyu hunoitika" mhando yezviitiko zvausingagoni kuronga.
Ndiyo apo Roth IRA inopinda. Mumwe munhu (uyo anosanganisira vakadzi - vasina kuroorwa, vakaroorwa, vakarambana, uye chirikadzi) vanogona kubvisa mari yavo yeRoth IRA (asi kwete iyo chikamu chekuwana mari) chero nguva chero ipi zvayo isina chairo.
Hongu, Roth IRAs inogadzirirwa kubhadhara mari, asi nokuti iwe unogona kubvisa zvipo, Roth yako inogona kuita basa rinowanikwa sechikwata chako chekukurumidzira . Uye mari haina kubatanidzwa pamwe chete. Iko muzita rako kuita newe sezvaunoda.
Ramba uri mupfungwa kana pane kuwedzera munyaya yaunoda kusiya iyoyo chete kusvikira wava nemakore 59 ½. Iwe uchabhadhara mitero yemari inowanikwa nguva dzose uyewo chirango che10% chekutora chikamu chekukura kubva kare. Iyi mitero haishandisi kubviswa kwezvipo, uye nekuda kweRoth kuregera mitemo , zvipo zvinogara zvichionekwa sezvo zvabviswa kare.
Kuvabereki, rimwe ruzivo kune Roth; mari inobatwa muRoth IRA haisi pasi pekutaura pamusoro pe FAFSA (Free Application for Federal Student Aid) yekugadzirira kojiji. Zvisinei, zvipo zvako zvinogona kubviswa gare gare (kunyanya mumakore ekureji yekoroji) kubhadhara chikoro chekoroji, nzvimbo uye bhodhi, nezvimwewo pasina kuverengwa semari inoshushikanwa pane fomu yeF FAFSA. Uye, kana iwe ukamirira kusvikira mwana wako (kana kuti muzukuru) ari kunze kwekoroji, mari inogona kubviswa kuti ibhadhara chikwereti chevadzidzi chavakatora.
2. Kugadzikana
Kusiyana neRitura yeIra, apo iwe unobva paRoth IRA mukurasira kwako kubvisa kwako kutora mutero kunoreva kuti iwe unotora kuchengeta dhora rose iwe unodzinga - kunyange kubudirira (chero bedzi vagara varipo kwemakore mashanu kana kusvikira wasvika ane makore 59 ½, chero ipi zvayo yakareba).
Kuwanda kwekutenga, kufanana nemotokari itsva kana kamwe chete munguva yezororo yeupenyu, zvinoda mari yakawanda mugore rimwe kupfuura rimwe. A Roth ndiyo yakagadzikana yekodhi inoshandiswa kubhadhara izvi zvinyorwa sezvo kuregererwa hakuzowedzereri zvaunokwereta mumitero.
Izvi zvinoreva kuti kusiyana nekuregererwa kwekutora kweIRAs uye 401 (k) s, Roth IRAs haisi kuzoisa pasi yako Social Social kubhadhara mitero. Zvinenge zvinyorwa zvose zvekuwana - pensions, chikamu chezvikwereti, kusabhadhara mutero-pasina chikwereti chechibvumirano, kukosha kweCCD, kuwana mari kune annuities - yose inobatsira mubhadharo weSocial Security , asi Roth IRA vanobvisa mari. Iyi kubhadhara mitero yeRoth inogona kuchinja zvikuru kuvadzimai, avo vanogona kurarama kwenguva yakareba uye vanoguma kugadzira mitero semutero wemutero mushure mehupenyu.
Kuti uwane mari yakawanda muRoth, vakadzi vanokosha zvikuru kupfuura varume vavo (makore anopfuura 5, uye zvechokwadi makore gumi kana kupfuura) vanofanira kunyatsofunga kushandisa chimwe chinhu chinonzi Roth IRA kutendeuka apo iwe unobhadhara mitero pane imwe Nhoroondo yeIra yekare uye uchitendeuka iyo inhoroondo yeRoth.
Iyi sarudzo inowanzoshandiswa zvakanaka mumakore musati mutevedzeri wekutora Social Security. Kushandisa Roth kutendeuka kunokubvumira kubhadhara mitero mberi uye zvino kunogona kuderedza kana kubvisa mitero yemberi mune ramangwana rekuwana mari kune chirikadzi ... Social Security.
Craig, uyo ari nhengo yeEd Ed Slott's Elite IRA Advisor group boka, anowanzoshandisa imwe yezvinyorwa zveEd kuti asimbise kukosha kwekutendeuka kweRoth, "An IRA iIOU kune IRS." Ed iri kutaura nezveRitura IRA. Kuwedzera kwepakati yezera pakati pevakaroorana, kunyanya Roth IRA mitero yemitero inogona kuvandudza mararamiro ako ekurega.
Mutungamiri wepamusoro wezvemari pamwe chete nemudzidzisi anokodzera mutero anofanira kukwanisa kukubatsira kuona kana iyi Roth shanduko yenzira iripo uye inoshanda pamamiriro ako ezvinhu.
3. Nguva refu
Vakadzi vanorarama kwenguva refu kupfuura varume. Tinoziva izvozvo - asi wakambofunga here kuti izvi zvinoita sei mitero yako mumakore apfuura?
Kurarama kwenguva yakareba kunoreva kuti nokukurumidza iwe uwedzere mari kuRoth IRA, iyo inofanira kurera. Uye rangarira kuti iri kukura musero-isina nguva iyo nguva yose. Sezvo pasina hurumende yemitero yakabatanidzwa nemari iyo, Roth IRA inova "ruzhowa" rwemari pamusoro pemitero yakakura yeramangwana.
Roth IRAs inonyanya kukosha kuvakadzi paunotarisana nemigumisiro yekugoverwa kunoda. Kana ani zvake achitendeuka makumi manomwe nemakumi manomwe vanofanira kutora mvumo yekugoverwa kubva kumadzitateguru avo eIras uye 401 (k) nhoroondo . Mari iyi haisi yekutengesa chete, asi kugoverwa kunogamuchirwa kunogona kutanga kuwedzera zvimwe zveHuman Security Security zvinotengesa.
Mari iri muRoth IRA haisi pasi pezera remakore makumi manomwe nemakumi manomwe rinoda kuderedzwa zvishoma sekusina Roth IRAs uye 401 (k) s. Saka kana iwe usingadi mari yacho, haifaniri kubva panhoroondo uye inogona kuramba ichikura musero.
Mari iri muRoth IRA yakasara nemumwe wako kumudzimai zvakare haibviri kuparidzirwa kwakakodzera. Kunyange zvakadaro kana mwana achiwana Roth ivo vachafanirwa kutanga kutora kuparadzirwa - zvisinei kuti kugoverwa kose hakuna mubhadharo kwavari. Vabereki vanotarisa kusiya chipo chinokosha kuvana kana vazukuru vanogona kusiya mari iyi kune mumwe mugari wenhaka uye uyo asingagari nemudzimai anogona "kutambanudza" kuparadzirwa kwehupenyu hwavo hwose, achivapa mararamiro eupenyu husina mutero.
Uye kune avo vanoita purogiramu yavo, kana iwe uchida kusiya mari kune vana vako uye kune rudo, nguva dzose funga kusiya mari isiri Roth kune rudo, sezvo zvipo zvisingabhadhara mitero paunogamuchira aya marudzi eakaiti asi vana vako kudai. Munenge mumatambudziko ose, unoda kusiya mari yeRoth IRA kune munhu kwete chikwata. Kukurukurirana nemudzidzisi anokwanisa nguva dzose kunorayirirwa kana uchiita chirongwa ichi chekugadzirira.
Kuwana Mari muRoth IRA
Roth IRAs ine mitemo pamusoro pehuwandu hwekuti iwe unogona kugovera uye ndiani anokodzera. Somuenzaniso, kuwana mari muRoth IRA unofanira kunge wakawana mari. Kune vakadzi vasingashandisi kunze kwemusha asi varume vavo vanoita basa, chimwe chinhu chinonzi Spousal IRA chinoramba chichibvumira zvipo zvingaitwa muzita remunhu asiri kushanda. Vakawanda vakaroorana havazivi izvi.
Kune vakadzi vanowana mari yakawanda, kana iwe ukaita zvakawanda iwe haugone kuwedzera kuRoth, asi kune chimwe chinhu chinonzi "musuo wemashure" urongwa apo iwe unobhadhara IRA isina kubhadhara uye uchitendeukira kuRoth . Iyi inogona kuva nzira yekuwana mari muRoth kunyange iwe waifunga kuti haugoni kupa. Mitemo yakawanda yemitero inoshandiswa inoshandiswa saka fadza kutsvaga mudzidzi ane mari uye / kana mutero wekubhadhara mutero kuti ukurukure zvaunogona kuita.
Iwe unofanirwawo kutarisa nemushandirwi wako kuti uone kana achibvumira zvipo zveRoth kune 401 (k), iyo inonzi Rakagadzirwa Roth 401 (k) nhoroondo . Kana vasina kudaro, vabvunze kuti vagadzire chirongwa chavo kuti vabvumira izvi.
Chero chii chaunoda kuita, ramba madhaimondi, uye utange Roth IRA.