Tsika yeIRA neRoth IRA

Ndezvipi zviri nani - aIrasi Yemazuva kana Roth IRA?

Vazhinji vatengesi vanobvunza mubvunzo wakawanda wekuti kana tsika yeIrasi kana Roth IRA inokodzera zvido zvavo zvakanakisisa. Kunyange zvazvo nhoroondo imwe neimwe inobatsira uye inotyisa, iyo dzose inzira mbiri dzekuchengetedza kwemakore enyu egoridhe. Vamwe vanoti Roth IRA ndiyo inonyanya kukosha kumusha wemutero wakakwana waunenge uchizowana nokuti iwe unogona kuunganidza zvinhu munhoroondo pasina chero chikonzero chokuti uzvibvise zvachose.

Zvingave kana kwete izvi zvinokosha kwauri, kunzwisisa kukasiyana pakati pezvinyorwa zviviri kuchaita kuti sarudzo yako ive nyore.

Ongorora zvose zveIrasi neRoth IRA kuitira kuti iwe uwane pfungwa yakanaka yekuti umwe neumwe angafanirwa sei mukati mehutoriro rako rose.

Nhoroondo, kwete Mari

Funga nezveMitambo yeIra uye Roth IRA sechimiro chekubata chikamu. Zvinhu zvakasiyana zvakasiyana-siyana zvinogona kupinda mukati mazvo, kubva mumatokisi , zvibvumirano , zvivako , mari pamwe chete nemari yekuenzanisa , mari yemisika uye zvigwaro zvekuisa mari , asi iyo yakanaka, Congress inogadzirisa mari yaunogona kuisa munyaya iyo makore ose. Izvi zvinozivikanwa semupiro wemiganhu . Zvichienderana nemhando ipi yeIRA yaunosarudza, mitezo yemitero ichave yakasiyana.

Nhoroondo yeIra yeChechi

• Mipiro inobhadhara mutero panguva iyo inogadzirirwa vanhu uye mhuri dzinowana mari shoma pane zvisingakwanisi kuwana mari yegore rose, iyo inowanzovandudzwa ne IRS. Muganhu wemiganhu unosanganisira "chigadziko" mupiro wemiganhu uye "kukwidza" muganhu wekupa mukana wekuti vanhu makumi mashanu kana kupfuura vanokwanisa kushandisa zvishoma. Semuenzaniso, muna 2017, muganhu wepamugove wepasi waiva $ 5 500 uye muganhu wekubata mutsva waiva $ 1 000, naizvozvo munhu aiva nemakore makumi mashanu nemashanu, uye akazofanirwa neChechi yeIra, aigona kupa $ 6 500 kune rake account.

• Kwemakore ayo mari yako yakagara muChechi Yenyika Yenyika, chero bedzi iwe uchitevera mitemo, haungabhadhara chero mitero kune chero ipi zvayo yezvibereko zvekutsvaga iwe unogadzira. Izvozvo zvinoreva kuti hapana mutero kune mari huru uye pasina mutero kune zvikamu, chikwereti, uye zvikwereti . Kunyange kana iwe ukazviwana ugare pamamiriyoni emamiriyoni emadhora muzvikwereti, chero bedzi chiri mukati mekudzivirirwa kunovhara iyo nhoroondo, Federal, state, uye hurumende dzenharaunda hadzina kuwana. Iwe unongobhadhara mitero pakukura iwe paunenge wabvisa mari.

• Iwe unogona kutanga kutora kubva kune yako Yedare yeIrasi pazera remakore makumi mashanu nemashanu (59.5) pasina kubhadhara mari yekutanga kubvisa chirango . Iwe unofanira kutanga kutora kubvisa uye kubhadhara mutero kune avo vanobvisa. Zvose zvinorega kubhadhara mitero, kusanganisira chikamu chakapfuura chekutanga sezvo yakabhadharwa mutero panguva iyo mupiro wakaitwa, nezera remakore makumi manomwe nemashanu kuitira kuti iwe usakwanisa kuunganidza mari yakawandisa mumutero wemitero.

• Iras yemaitiro uye Roth IRAs inonyanya kubatsira mashandisi ekudzivirira zvinhu. Pasi pemazuva matatu apera kubhadhara chikamu chekudzivirira chinotarisirwa musi waApril 1, 2016, iyo inogadziriswa kune mari yekurarama kwemakore matatu oga oga, mutengesi anogona kuva ne $ 1,283,025 mumiganhu yakabatanidzwa pamarudzi ose eIRAs uye akaregererwa kubva kune zvikwereti zvemhosva. Vakaroorana vanogona kudarika ichi chiyero sezvo zvose zveMitambo IRA uye Roth IRA inofanira kuva yevanhu. Hapana chimwe chinhu chakadai seIRA inobatanidzwa. Ichi ndicho chimwe chezvikonzero zvikurusa kutsvaga zano rekudzidzira kukanganisa gweta zvisati zvaita zvisarudzo zvakakomba kana uri kutarisana nematambudziko emari. Chinhu chakaipisisa chaunogona kuita ndechokuderedza tsika yako yeIrasi kana kuti Roth IRA muyero ugozivisa kuparara, sezvo iwe wakabhadhara makore ekuvakazve apo iwe ungadai wakazvipira kubva kumatare edzimari nemari yako yekubvisa mari yakasungwa.

Chirongwa cheRoth IRA

• Mipiro kune Roth IRA inogadzirwa nematare emitero mushure mekuda uye haisi mutero inobviswa panguva yavakaitwa. Zvisinei, kusiyana neChitura IRA uye zvichienderana nezvimwe zvinhu zvishoma, kana iwe uchida kubvisa zvipo zvako zvekare zvakapfuura, iwe unogona kuita zvakadaro musero usingabhadhari pasina chirango chekutanga, asi iwe haugone kuchinja mari kana vachangobva kusiya nhoroondo. Kune mitezo yemitero kune zvipi nezvipi zvekutsvaga kwekutsvaga kana mamwe emari zvakapfurikidza nemipiro yezvakaitika muRoth IRA kana yakatorwa isati yava nemakore 59.5.

• Mumakore aya mari iri muRoth IRA, chero ipi zvayo inobatsira iwe inokura ichatakura musero.

• Icho hachina kutenderwa kupararira kwezera. Kana ukararama kuva nemakore makumi mashanu uye ukapera ne $ 25,000,000 Roth IRA nokuti wakawana McDonald's inotevera, haufaniri kupa dime yayo ku Federal, state, uye hurumende dzenharaunda kana iwe ukaita kubvisa uye ukatanga kushandisa iyo pasi pemitemo yemazuva ano.

• Izvo zvinodzivirira zvibvumirano zvinowanikwa neChechi yeIra zvinowedzerawo Roth IRA.

• Nzvimbo yekuchengetera mutero inobatsira Roth IRA kuti Kongamende inonyatsoiriisa kune vanhu uye mhuri dzine mari yakawanda yakagadziriswa inopfuura zvishoma kune dzimwe dzakatangwa. Izvi zvinongororwa gore negore.

Kuti vashandise mari yeRoth IRA inobhadhara mitero, vazhinji veAmerica vasingakodzeri nokuti vanoita mari yakawanda vanobatanidzwa mune imwe nzira inonzi "backdoor Roth IRA" iyo inosanganisira kubhadhara mari yeRitura yeIndaneti, ndokuiita kuRoth IRA.

Ndingazarura sei Nhoroondo yeIRA?

A Roth IRA neChechi yeIra mavari mapepa ezvinyorwa, kwete mari, kuitira kuti ugone kuzarura nemhando dzakasiyana-siyana dzemasangano emari. Kana iwe ukaenda kubhangi kana chikwereti chebato, vanogona kupa chero rudzi rweIRA asi vanokubvumirai kuisa zvigwaro zvekuisa mazviri.

Kana iwe uine IRA ine shandiro yekutengesa mabhizimisi akadai saCharles Schwab kana Scottrade, unogona kuisa chinenge chero chipi zvacho chiri kutengeswa pachena, zvichibatanidza kushandiswa-kutengeserana mari yemari yakadai saSDRDRS kana bluu-chip stocks . Vamwe vashandi vanoshandisa chete mutual mari yezvokudya kwavo zvekurega basa vanosarudza kuzarura kero yeIRA zvakananga nemhuri yekubatanidza mari yakadai seFidelity kana Vanguard.

Mari Inoda Kuti Ndiwane Kutanga?

Chikamu chiduku chekuzarura chemarudzi ose eIRA chinotsanangurwa nedare rezvemari rauri kuzarura iyo compte. Vamwe vanoda $ 1,000 kusvika $ 3,000. Vamwe vashoma vachakubvumira kuti utange nemari shoma se $ 100 pamamiriro ekuti iwe unotora zvimwe zviduku pamwedzi pane nguva yakatarwa yekuratidza kuzvipira kwako.

Ndinogona Kuva Nemhando Ipi?

Hongu, uye iwe unogona kuwedzera mari kune vose mugore irorochete wakapa huwandu hwako, mubatanidzwa pamwe chete hahupfuuri muganhu wekubatsira unoitwa gore. Somuenzaniso, mugore iro munhu ane makore makumi matatu nemasere anokwanisa kupa mari inosvika madhora 5 500, munhu iyeyo anogona kuisa $ 2 000 muRitura IRA uye $ 3 500 muRoth IRA nokuti akabatanidzwa, vachiripo, kana pasi, $ 5,500 muganhu. Kana iwe ukapfuura nemiganhu yemupiro uye usingagoni kugadzirisa mukati meimwe firiji yenguva, hurumende ichaongorora mitero iyo inonyanya kubvisa mari yako yakasara.

Ndingave neRoth IRA uye / kana kuti Traditional IRA Plus yeAkaunti yekusimudza paKushanda here?

Ehe. Pasinei nokuti une basa reW-2 kana basa rako pachako, une zvakawanda zvingasarudzwa zvezvekodhesi dzezvekubhadhara. Mukuwedzera kune mari yeRoth IRA kana yeChechi IRA gore rega rega, unogonawo kubhadhara tsika yeChechi 401 (k) , Roth 401 (k), Solo 401 (k) , 403 (b) , SEP-IRA , SIMPLE IRA , kana zvimwe zvirongwa zvakakodzera. Izvi zvinowanzova nezvimwe zvinobatsira zvevako pachavo, kusanganisira kusingagumi kusingagadzirisi kudzivirirwa pamusoro pekudzivirira kubhadhara kunopiwa paIRAs inokurukurwa.