Uhambo oluya ekubeni ngumninikhaya lunokubonakala lunzima. Ukugcina isixa esikhulu se ubeka imali phantsi kwikhaya lakho lamaphupha akukho lula, ngakumbi xa ucinga Ukunyuka kwamaxabiso asekhaya namhlanje . IiRoth IRAs Izibonelelo zokuqala zabathengi abangakunceda ugcine loo ntlawulo iphantsi.
Ingaba isebenza kanjani
I-Roth IRAs ziiakhawunti zomhlala-phantsi apho yonke imirhumo ifaka i-akhawunti yakho emva kwerhafu. Ungayisusa yonke iminikelo yakho ngesohlwayo esinguziro nangaliphi na ixesha. Ingeniso yotyalo mali isebenza ngokwahlukileyo. Ukuba urhoxisa umvuzo kwiRoth IRA ngaphambi kweminyaka engama-59 1/2, ngesiqhelo uya kuhlawula isohlwayo seshumi ekhulwini. Nangona kunjalo, ngaphandle okhethekileyo – njengokuthenga ikhaya-ungarhoxisa isohlwayo somvuzo.
Imigaqo
- Kuya kufuneka uvule iakhawunti yakho kangangeminyaka emihlanu
- Wena (kunye neqabane lakho, ukuba utshatile) kufuneka ube ngumntu wokuqala ukuthenga izinto ekhaya
- Umda wokurhoxisa umvuzo ngaphandle kwesihlwayo yi- $ 10,000
- Kuya kufuneka usebenzise imali kwiindleko zokufumana, kuthetha ukuthenga, ukwakha, okanye ukwakha kwakhona ikhaya. Ikwasebenza nakwiindleko zokuvala kunye neentlawulo zemali.
- Kufuneka usebenzise imali kwisithuba seentsuku ezili-120, kungenjalo kuya kufuneka uhlawule isohlwayo seepesenti ezili-10
Unokujonga imigaqo epheleleyo edweliswe yi-IRS Apha .
lithetha ntoni inani leengelosi ezili-1010
I-IRS inenkcazo evulekileyo yokuthenga okokuqala kubathengi basekhaya. Ukuba awuthenganga ikhaya lokuhlala eliphambili kule minyaka mibini idlulileyo, uyafaneleka ukuba ngumthengi wokuqala wekhaya kwi-IRS. Abantu abatshatileyo, iqabane lakho kufuneka lilungele ukuba ngumthengi okokuqala. Ukongeza, ungayisebenzisa imali ukunceda iqabane, umntwana, umzukulwana, umzali, okanye esinye isihlobo ukuba sithenge indlu.
Izikhokelo zotyalo-mali
Abacebisi bezezimali ngokubanzi abayikukhuthaza ukuncitshiswa kokonga umhlala-phantsi xa uthenga izinto zekhaya. Ukusebenzisa iRoth IRA kunokuba yindlela efanelekileyo ukuba unayo enye i-akhawunti yomhlalaphantsi, njenge-401 (k) kumqeshi wakho. Kuxhomekeka ekubeni ufuna ukuthumela kungekudala ukuba umnini khaya omtsha u-Insta uza kuba necebo lesicwangciso sakho sotyalo-mali. USerina Shyu, i-CFP kwiQela lezeMali likaJon Baker, ucebisa ukuba ukuba ucwangcisa ukuthenga kwiminyaka emibini okanye ngaphantsi, kungcono ukugcina intlawulo yakho isezantsi ngemali. Ngombono wexesha elide, thetha nomcebisi wezezimali malunga nesicwangciso esifanelekileyo sotyalo-mali esifana nexesha lakho.
Xa ungafanele usebenzise iRoth ukuxhasa imali yokubhatala
Ukuba iRoth IRA yakho yeyona akhawunti yakho iphambili okanye iphela yomhlala phantsi, ngekhe ufune ukurhoxisa imali yokuhlawula ikhaya. Umgaqo olungileyo wesithupha kukunyanga iimali eziphambili zomhlala-phantsi njengemali ongenayo. Ngale ndlela, awuyi kulingeka ukuba uyichithe.
Imida ye-IRS yonyaka iRoth IRA igalelo kwi-5 500 yeedola ngonyaka (okanye i-6 500 yeedola ukuba uneminyaka engama-50 okanye ngaphezulu). Ukuba wenza ngaphezulu kwe- $ 135,000 ngonyaka njengomntu ongatshatanga okanye i-199,000 yeedola njengesibini, isixa semali onokuyifaka kwiakhawunti yakho yeRoth IRA siyancipha. Ukuba ungumntu ohlawula kakhulu, kunokuba ngcono xa usongela intlawulo yakho esezantsi kwiakhawunti yokonga imveliso ephezulu endaweni yoko.
Kutheni usebenzisa iRoth endaweni ye-IRA yemveli?
UShy ucebisa ukurhoxisa imali yezindlu kwiRoth IRA ngaphezulu kwe-IRA yendabuko ukuba kunokwenzeka. Uye wathi nge-IRA yendabuko, Ayisiyiyo kuphela ukuba kufuneka uhlawule irhafu kwimali oyithathayo, kodwa kuya kufuneka uhlawule irhafu yengeniso eyongezelelweyo ngenxa yokurhoxiswa okubalwa njengengeniso engaphezulu nangaphaya komvuzo kwimbuyekezo yakho yerhafu.
I-333 ithetha inani leengelosi
Ngenxa yokuba iRoth imirhumo sele ihlawulisiwe, unokuyikhupha imali ngaphandle kokukhathazeka malunga neerhafu ezongezelelweyo.
UShyu, oshiye iRoth IRA yakhe xa wayethenga indlu, wathi iirhafu zanefuthe kwisigqibo sakhe sokurhoxa eRoth ukuze ahlawule. Ndiyazi ukuba ukurhoxa kuya kuphuma ngaphandle kwirhafu. Nge-IRA yendabuko, ngendandifumene irhafu yengeniso eyongezelelweyo.
Amaxwebhu
Ukuba ucwangcisa ukusebenzisa imali yeakhawunti yeRoth ukufumana ikhaya, i-IRS iya kulindela amanye amaxwebhu kwimbuyekezo yerhafu yonyaka. U-Shyu ucebisa ukuba agcine onke ama-brokerage kunye neengxelo zebhanki ezibonisa nayiphi na intshukumo yemali yeRoth IRA. Uthe ngentlawulo yakhe, ndade ndasigcina isiqinisekiso sorhwebo esivelise i-10,000 yeedola efunekayo. Kuxhomekeka ekubeni uphi neerhafu, kusenokungafuneki ukuba ubonelele ubungqina kwi-IRS, kodwa kusoloko kulunge kakhulu ukubanakho xa kunokwenzeka.
Akukho ndlela inye yokuhamba ukonga indlu. Kodwa izibonelelo zerhafu kunye nethuba lokufumana imali yotyalo-mali kwenza ukurhoxiswa kweRoth IRA kufanelekile ukujonga. Dibana nomcebisi ngezezimali ukuba ucinga ukuba ingakulungela.
Ukuhlaziywa ngo-Okthobha 25, 2019-LS
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lithetha ntoni inani elingu-555
