Zvingafanira Kufungidzirwa Apo Uchishandura kubva kune imwe tsika yeIRA kuenda kuRoth IRA
Roth IRA Basics
Kusiyana nemitemo yeIRAs, hapana kubhadhara mutero kune michero yekuchengetwa yakagadzirwa kuRoth IRA , asi mari inowanzoti isingabhadhari mutero.
Kana iwe ukasara muRoth IRA, iwe unobvumirana kubhadhara mutero ikozvino mukutsinhana kwekutapwa kusina mutero apo mari yacho inodzingwa gare gare.
Mumwe mutengesi anoshandisa Roth IRA anofanira kurega kutora chero kuparadzirwa kusvika pazera remakore makumi matanhatu nemashanu kuti aite izvi zvakakwana zvisina mutero. Mari yacho inofanirawo kuramba iine mari kwemakore mashanu kunze kwekuti imwe mamiriro ezvinhu chaiwo anobvumira zvimwe.
Kusina mamiriro ezvinhu akajeka, kubvisa mari kubva kuRoth IRA pakutanga hazvirevi mutero chete pamitero asiwo 10 muzana chirango.
Traditional IRAs
Nharaunda dzeIrasi dzinogona kuve dzakabviswa kana kuti dzisina kuwanikwa. Deductible madzinza eIRAs anopa kubhadhara mutero kwemishandiro yaunenge uchiita. Izvo zvose zvaunowana pane izvo zvipo uye yako yekutanga inotengeswa inotengesa apo mari yacho inotanga kubviswa.
Iwe unogona kutora chikwereti chisina chakanaka kana kuti chisina kubhadhara mari yekuponeswa yakagadzirwa kune nondeductible tsika yeIRA. Imari inobhadhara mitero-iyo inoderedzwa kusvikira ichingobviswa, uye chikamu chinomiririra nondeducheno yako yakadzorerwa kwauri iwe usina mutero.
Kutendeukira kuRoth
"Kutendeukira kuRoth" zvinoreva kuti iwe uri kuchinja kubhadhara mutero wefigiro umo mari yako yekuchengetedza mari yakaiswa.
Panzvimbo pekuregererwa kwemitero iyo inowanikwa neyendabuko yeIRA, Roth IRAs inomiririra mitero yemitero inoshandiswa kuendesa kuRoth inoreva kushandura kusarudzwa kwacho: Unofanira kubhadhara mutero pamusoro pekuwana mari uye pane chero zvipo zvekuchengetera kwawakaita kutora mutero mu makore apfuura.
Izvi zvinoshandura mari yacho mushure mekubhadhara mari.
Nzira Yokugadzirisa Sei Mari?
Iwe unogona kuchinja yako mari yako kubva kune deductible kana nondeductible IRA kuenda kuRoth IRA nokungoudza bhangi rako kana imwe nzvimbo yezvemari inoda kuita kudaro. Iwe unogona kuchengeta mari yako pane imwe nzvimbo yezvemari. Iwe unogona kunyange kuzvichengeta muzvikwereti zvakafanana. Zvose zvauri kuita zviri kuchinja rudzi rwekambani inodzibata.
Chikamu chakanyanya kuve ichifungidzira kunze kwebhadharo yekubhadhara kuRoth. Paunoshandura tsika yako yeIRA kuenda kuRoth, zvinhu zviviri zvinoitika. Hurumende inobhadhara kukosha kwezvino mari yemari yaunoshandura, uye iyo mari ikozvino yava yako muRoth.
Kuverenga "Mari" Kuzivisa paRoth Conversion
Chokutanga, ona Roth yako yekutendeuka mari . Kana iwe uri kutendeuka ductible IRA mari, iwe unogona kutaurira semari inowanikwa ikozvino kukosha kwemari pazuva raunoita kutendeuka. Nheyo yako muIrauc deductible is zero nokuti wakagamuchira kubhadhara mutero kwemari yako yekugonesa.
Kana iwe wakashandura nondeductible IRA mari, ripoti sekuwana mari iyo ikozvino kukosha kwemari pazuva raunoshandura, zvisati zvaita iwe. Kana iwe wakapa $ 5,000 kune imwe tsika yeRRA muna 2016 uye usina kugamuchira kubhadharwa kwechipo ichocho, iwe hwaro mumari iyo yaizova $ 5,000: $ 5,000 yemari inowanikwa zvisingabatsiri pakuderedzwa.
Iye zvino ngatiti iwe unosarudza kutendeuka kuti IRA kusvika kuRoth makore maviri gare gare muna 2018. Kukosha iko zvino $ 5 500. Iwe unogona kuudza $ 500 yemari pamutero wako wekubhadhara: $ 5,500 ikozvino kukosha kuderedza $ 5,000.
Paunenge Uine Zvose Deductible uye Nondeductible Traditional IRAs
Kana iwe uri wega wega weDRAI uye weNRA, mutemo wemitero unofunga kuti nheyo yako mumari isingakoshi inofanira kupararira pane yako yose yemadhora emari yeIRA, kunyange kana yakabatanidzwa muzvikamu zvakasiyana pane mamwe masangano emari. Iwe unofunga kuti unoda kuchinja nondeductible IRA mari yekutanga nokuti zvinenge zvichiita kunge zvisingasviki pamutero, asi haisi iyo iyo mitero inoshanda.
Ngatiti iwe wakabhadhara $ 5,000 kusvika kuRRA deductible muna 2016, izvo zvinoreva kuti maitiro ako ikozvino zero mune mari iyo. Muna 2018, iwe wakapa $ 5,000 kuIra yakakwana, iyo inoreva kuti maitiro ako ikozvino $ 5,000.
Iwe une $ 10 000 mumitambo yemitemo yeIRA ine maitiro e $ 5,000.
Kana iwe waizochinja mhando dzako dzose dzekodzero dzeIRAs kuRoth IRAs uye kukosha kwenyaya yako yeIRA yaive $ 11,000, iwe ungati uwane mari $ 11,000 kudarika $ 5,000-yako-iyo inenge iri $ 6,000 mune mari.
Mumwe munhu ane mishonga yakasiyana-siyana IRAs angangofunga, "Ngatishandure chete nondeductible IRA," asi chikonzero chake chichiri kuendeswa kune dzimwe nhoroondo dzaro. Kufunga kuti ikozvino kukosha kuri $ 5,500 mune imwe yega IRA fund uye akashandura $ 5 500 chete kubva mubhuku re nondeductible, masvomhu aizoramba ari akafanana: $ 5 500 (ikozvino kukosha) kudarika $ 2 500 (zvakagadzirwa zvinyorwa). Izvi zvingaguma mune mari inoshandiswa kurondedzera $ 3,000.
Dzimwe Nzira Dzakakosha
Iwe unogona "kuzvisiyanisa" yako nondeductible IRA mari kuburikidza nokuputira mari kubva kune yako tsika dzekodzero dzeIRAs kune chirongwa chakakosha se 401 (k) kana 403 (b) chirongwa , uye iwe unogona kusarudza rollover chete yako yakakodzwa tsika dzekare dzeIRA kana uchiita izvi . Nokuita rollover yakadaro, unogona kuendesa zvose kune 401 (k) kana urongwa hwakafanana, uchisiya chete nondeductible mari muIRA yako. Ipapo iwe unogona kuvhara mari yako ye nondeductible kuRoth IRA.
Izvi zvinochengetedza nheyo mune yako nondeductible IRAs. Izvi zvinoguma mune mari shoma inowanikwa paRoth kutendeuka. Asi ramba uchifunga kuti iwe unongobvumirwa chete kuita rollover imwechete gore negore neIRA account. Izvi zvinoshanda kune rollovers kubva kune imwe tsika yeIRA kuenda kune imwe, kubva kune rimwe Roth IRA kune imwe, kana kubva kune tsika yeIRA kuenda kuRoth IRA.
Direct trustee-to-trustee anoshandiswa kubva pane chirongwa chekurega basa chakadai se 401 (k) kana 403 (b) nhoroondo kuIRA hairenge. Kana zvisina kudaro, chero rollover yakawedzera mushure mekutanga rollover mukati memwedzi gumi nemaviri inotarisirwa sekugoverwa kwekukwereta zvakakwana uye kupiwa kwekutanga kwechirwere kunogona kushanda.
Kana iwe uchida kushandisa zano iri kuti uzviparadzanise nemari inoshandiswa muIRA yako, inogona kuzviita mugore rimwechete nekushandisa nzira inotevera inotevera:
- Tora paIras yako yakagadzirirwa kune chirongwa chakanaka mumutrasti-to-trustee kutumira zvakananga. Izvi zvinoshandiswa hazviverengi kune imwe-rollover-per-year limit.
- Zvadaro shandura yako nondeductible IRAs kuRoth IRA nedzimwe mutrusti-to-trustee kutungamirirwa zvakananga kuitira kuti usadzivirire zvinotarisirwa 20-muzana kubvisa.
Mari Inenge Isingaiti (Inotarisirwa) Inoreva Kutererwa Imari
Mari inoshushwa pamusoro pekutendeukira kuRoth IRA haisi nguva dzose inoreva kuti mari inotora ichakwereta. Imwe mitero yemari inonzi yakagadzirirwa inogona kuderedzwa kuburikidza nemitengo yakasiyana-siyana yemitero kana zvikwereti zvemitero.
Ngatitaurire kuti Alan anoshandura mutengo weIRA wekodzero yakazara inokwana madhora 5 500 kusvika kuRoth IRA muna 2016. Nemhaka yokuti mari iyi yakabviswa zvachose, Allan aizoudza $ 5 500 mune imwezve mari mumutero wake we 2016. Anenge ane kodzero yekutora zvakasiyana-siyana kana kukwereta kwemitero, sezvinongoita mumwe mutero anokwanisa.
Saka aigona kukanganisa mari ye $ 5 500 mune imwezve mari pamwe nekubviswa kupi zvako kwaive kuripo. Somuenzaniso, anogona kukanganisa Roth kutendeuka mari pamwe ne $ 5,500 yekodzero dzezvikwereti zvechirongwa kana ne $ 5,500 bhizinesi kurasikirwa. Muchiitiko ichi, mari yake yekutengesa mari yaizoramba isina kuchinja kunyange zvazvo aiva ne $ 5 500 mukutendeuka mari.
Kuverenga Mitero Inobata
Izvozvo zvakati, mari inoshandiswa pamusoro peRoth kutendeuka zviri pachena inowedzera mari isati yatengeswa kana kubviswa kwekuti Roth kutendeuka zvingaita kuti iwedzere mari inotengesa uye inotanga kushandiswa kwakasiyana-siyana.
Kuwedzera kwemari inotengeswa zvakanaka zvakajeka kuverenga. Tarisa kutarisa kumadhoroji emitengo yegore rauri kutendeuka. Kuwedzerwa kwemari inotengesa kuchaita kuti iwe uwane mari yako yepamusoro yekutengesa nguva apo kutendeuka kwekukosha.
Kuongorora shanduko dzakasiyana-siyana kwakaoma zvakaoma. Mari yepamusoro inogona kukonzera humwe hupfumi hwehupfumi huri pasi pekubhadhara mitero, kana kuti hunogona kukonzera kugovera kana kubviswa kwezvikwereti zvakasiyana-siyana kana zvikwereti zvemitero.
Nzira yakanakisisa yekuona kukosha kwekutendeuka kweRoth mumamiriro ezvinhu akasiyana-siyana ndeyekushandura kuonekwa mumutero wako wekero kuti uongorore kuwedzera kwetero kunobva kuRoth kutendeuka.
Ndeipi Kuchinja Kunofunga?
Kutendeukira kuRoth IRA kunowanzova nechinangwa mumamiriro ezvinhu anotevera:
- Iwe unowana mari kunze kwenyaya yekubvisa mari yaunogona kushandisa kuti ukwanise kubhadhara mutero wekutendeukira kuRoth.
- Kukosha kwerudzi rwako rwekare IRAs rwakawa uye kutendeuka ikozvino kunodhura.
- Iwe unotarisira kuva mubhakoni imwe chete yemutero kana mune yakakwirira bheksi yekurasira pane iwe uripo ikozvino.
- Iwe unogona kushandisa kurasikirwa, kubviswa, kana kukweretwa kwemitero kubatsira kubvisa mutero unoshandiswa wekutendeuka kweRoth.
Ndeipi Kuchinja Kusingaiti Sense?
Kutendeukira kuRoth IRA inogona kusanzwisisa mumamiriro ezvinhu anotevera:
- Iwe hauna mari yemari inokwana kubhadhara zvakakwana mutero weRoth wakatendeuka.
- Iwe unotarisira kuve mubhaketi yakaderera yemutero mukurasira pane iwe uripo ikozvino.
- Iwe unogona kunge uchida kupinda mune yako IRA mari mumakore mashanu anotevera uye iwe uri kana kuti uchava muduku kudarika makore 59.5 apo izvozvo zvinoitika.
Hazvina musoro kubhadhara mutero iye zvino pane imwe yepamusoro mutero kana iwe unotarisira kuti uve mubhasikiti yepamusoro pakubhadhara. Izvo hazvirevi kutarisira kubhadhara mutero ikozvino kana iwe ungatofanira kupinda mune mari iyo mumakore mashanu anotevera. Muchiitiko ichi, iwe unenge uchinyanya kubhadhara mutero kaviri-kamwechete pakutendeuka uye zvakare pakubvisa, pamwe chete nezvipi zvingashandise.
Kurondedzera Roth Conversion
Iwe uchagamuchira mabhuku maviri emitero kana iwe uchichinja tsika yako yekare IRA kuRoth IRA, uye unofanira kutaurira kutendeuka munzvimbo mbiri pamutero wako wekudzokera.
Iwe uchagamuchira Fomu 1099-R kubva mune imwe nzvimbo yezvemari inoshuma reRoth kutendeuka. Ichakanyorwa se rollover kuRoth IRA. Iwe uchashandisa ruzivo kubva kune iyo fomu kurondedzera Roth yako yekushandura mari muFomu 8606 pamwe nemutero unobhadhara wekushandurwa kwemari yakataurwa pane yako Fomu 1040. Mafomu 1099-R anowanzobudiswa kunze kwekupedzisira kwaJanuary gore rinotevera.
Uyezve, unofanirwa kugamuchira Fomu 5498 kubva kune imwe nzvimbo yezvemari yakagamuchira mari yeRoth IRA. Iyi fomu inoshuma kukosha kwemari yakagamuchirwa uye kukosha kwenyaya yacho pakupera kwegore. Iyi fomu inowanzoitirwa zvinangwa chete. Iyo data haifaniri kuonekwa chero kupi zvako pamutero wako wekudzokera. Fomu 5468 inowanzobudiswa musi waMay 31.
Ramba Uchichenjerera
Funga kubvunzurudza muteresi wezvemitero usati waita nokuti Mutero Wemitero uye Jobs Act , yakasayirwa kuva mutemo muna December 2017, inobvisa kukwanisa kwako kubvisa kushandurwa kupi zvako kwaunoita.
Zvaiwanzoitika kuti muteresi-to-trustee kuendeswa kunogona "kuregererwa" kana ukarongedza kutendeuka usati watora mutsetse wekutengesa kusanganisira kushandiswa chero kupi zvako asi kuchinjwa kuRoth account hahukodzeri kukodzera kurapwa. Mutemo mutsva unoshandawo kune rollovers kubva ku 401 (k) uye 403 (b) nhoroondo pamwe chete netsika, SEP, uye SIMPLE IRAs.
Zvizhinji zvizhinji zveTCJA zvinoitika muna 2018, asi mitemo inokosha inoshandiswa pakuchinja uku. Roth IRA kutendeuka kwakaitwa muna 2017 inogona kugadziriswa kusvika munaOctober 15, 2018. Zvinosuruvarisa, kutendeuka chero kupi zvako kwakaitwa musi waJanuary 1, 2018 kana kuti gare gare hakugone kuregererwa.