Tsvaga Kana Idaiti Yakarongwa kubva kuB Obama ndiyo Mamiriro Akanaka Kwauri
Kufanana ne401 (k) uye Individual Retirement Account (IRA), motokari yekuchengetedza yaB Obama yakatanga kubudiswa se "nzira itsva yekushanda vanhu veAmerica kuti vatange basa ravo rekuchengetedza mari."
MyRA Chinhu Chinofanira Kuita Kune Vashandi Vasina Zimwe Zvimwe
Kune vashandi vasina chirongwa chekurega basa, chakadai se 401 (k), uye vane mari shoma kana ruzivo kuti vatange mavoti avo ekutsvaga mari, chisarudzo cheMyra chinogona kuva kutanga kwakanaka.
Heano zvimwe zvezvinhu zvinokosha zveMyra:
- Vashandi vanogona kunge vane chikamu chebhadharo yavo yakabviswa kuti vagoiswa mu-akhawunti inowanikwa muhurumende dzeUnited States.
- Pamusoro pezvinangwa zvemitero, inenge ichitarisirwa zvakafanana neRoth IRA (kubhadhara mitero asiripo asi kwete mari inobhadhara mutero).
- Inowanikwa kune vanhu vane mari yegore negore mari inosvika $ 191,000 avo vashandi vanosarudza kugovera.
- Mari yekutanga inogona kunge yakaderera se $ 25 uye mubhadharo webhadharo zvakaderera se $ 5.
- Zvirongwa zvakagadzirwa kuburikidza neUnited States Treasury Department.
- Maximum balance ye $ 15,000, mushure mekunge mari inofanira kuendeswa kune imwe nyika Roth IRA.
Ndiani Anogona Kubatsirwa neMyra
Chinhu chikuru chinobatsira kuMyra, kunze kwechinangwa chikuru chekuchengetedza kubhadhara, inoratidzika kuva iyo inoshandiswa. Yakawanda mari yekutengeserana ine zvishoma zvishoma zvekutanga mari inosvika $ 1 000, iyo isingakwanisi kune vakawanda veAmerica. Uyewo, kushandiswa kwehurumende muUnited States Bonds kungasava yakakodzera yekutsvaga kwekugara kwenguva yakareba asi zviri pachena kuti zvakakodzera zvakanyanya kutanga vatengesi pane kuvasiya pavanenge vachida kutengesa mumakambani, izvo zvingave zvinokuvadza mweya wekutanga, kuti taura zvishoma.
Chimwe chikomborero cheMyra ndechekuchinja. Kungofanana nedzimwe zvirongwa zvekurega basa, MyRA inogona kuiswa mune imwe kambani yekurasikirwa, kunyanya Roth IRA, iyo inowedzera kushanduka maererano nekusarudzwa kwekutsvaga uye kuchengetedza kupfuura MyRA.
Kunyange zvazvo MyRA inogona kunge isingakodzeri motokari yekuchengetedza mari kune vose veAmerica, inogona kuva sarudzo dzakachenjera kune vanotanga vatengesi avo vangave vasina nzira yekugadzirira pavanenge vachichengetedza mari.
Kune avo vane ruzivo rwekuAmerica vane ruzivo rwema 401 (k) vakaronga kuburikidza nevashandirwi vavo, MyRA inogona kunge isisarudzo yakanakisisa, kunyanya kana muvakidzani anopa zvipo zvinoenderana. Kune avo vakaponesa vane ruzivo rwekutsvaga mari uye yekuchengetedza basa rekuchengetedza zvidzidzo, tsika yeIRA kana Roth IRA inogona kuva sarudzo yakanaka.
Chinonyanya kukosha ndechokuti MyRA inogona kushandiswa sechinhu chekutanga chevadzidzisi vasingasununguri kushandisa tsika dzeRoth IRAs. Imwe yenhanho dzakaoma zvikuru mukuronga kwemari iri kungotanga uye chirongwa ichi chitsva cheMyra chinoratidzika seicho chaicho: kutanga.