Umiselwe ukuqala ukongela ikamva lakho. Sele uyibekile bucala imali yomhlalaphantsi inyanga nenyanga, kodwa kusenokwenzeka ukuba sele uzibuza ukuba ungayityala njani. Loluphi uhlobo lweakhawunti yokonga umhlala-phantsi ekulungeleyo? Ngaba kufuneka uqale i-401 (k), i-IRA, iRoth 401 (k), okanye iRoth IRA? Yintoni umahluko? Kuthekani ukuba ikhaya lakho lokuqala lelona libalulekileyo kuwe?
Apha, sidiliza iakhawunti nganye yomhlala phantsi (ngoncedo kunye neengcebiso ezivela kwiingcali ezimbalwa zezezimali):
Yintoni u-401 (k)?
Izinto zokuqala kuqala: Masifike kwiphepha elinye malunga nale nto sithetha ngayo. Imveli 401 (k) iakhawunti yotyalo-mali exhaswa ngumqeshi. Ihlala iza njengenxalenye yephakheji yezibonelelo zomsebenzi.
Ngamanye amaxesha nge-401 (k), umqeshi wakho uya kuthelekisa isixa semali osigcinileyo (ngokubanzi ukuya kuthi ga kwipesenti encinci yomvuzo wakho), oko kuthetha ukuba utyalomali lwakho luphindwe kabini kungabikho msebenzi wumbi kwisiphelo sakho (!). Izinketho zotyalo mali kunye nemveli ezingama-401 (k) zihlala zihlala zikhethwe ngumqeshi wakho.
Iyintoni intsingiselo ye-11: 11
Ngama-401 (k), yonke imirhumo ithathwa kwintlawulo yakho yangaphambi kwerhafu — indlela yokonga ezenzekelayo ekwehliseni ingeniso yakho ehlawulelwa irhafu (aka uhlawula irhafu yengeniso encinci ngonyaka). ukuya kuthi ga kwi-19,000 yeedola. Emva kokuba ujike iminyaka engama-50, unokunikela nge- $ 25,000 ngonyaka. Akukho mida yokufumana umvuzo kwi-401 (k), oko kuthetha ukuba ungazisebenzisa ngaphandle komvuzo wakho.
Ngaphantsi kwezinye iimeko, ungaqala ukurhoxisa imali kwi-401 (k) yakho kubudala beminyaka engama-55, kodwa iminyaka esemthethweni yokurhoxa ingama-59.5. Kuya kufuneka uqale ukuthatha imali kwi-70.5 yobudala. Xa ekugqibeleni urhoxa, uya kuhlawula irhafu kwimali.
Yintoni i-IRA?
Ngoku, iakhawunti yemhlala phantsi yomntu ngamnye (IRA), ifana ne-401 (k), ikwayiakhawunti yotyalo mali yomhlala phantsi. Nangona kunjalo, endaweni yokuya kumqeshi wakho, unokuvula i-IRA kumaziko amaninzi emali njengebhanki, umbutho wekhredithi, okanye urhwebo.
Kuya kufuneka ube ungaphantsi kweminyaka engama-70.5 ukuvula enye kwaye igalelo lakho linokutsalwa kwirhafu ukuba awugutyungelwanga sisicwangciso somhlala-phantsi emsebenzini.
Ukuqengqeleka ngaphezulu
Ukongeza, ngenxa yokuba ibotshelelwe kwingqesho yakho, ungadibanisa i-401 (k) yakho nomsebenzi ongaphambili kunye ne-401 (k) yakho evela kumqeshi wakho omtsha, inkqubo ebizwa ngokuba kukuqengqeleka kutyalo-mali lwakho. Unokuqengqeleka ngaphezulu kwezi mali kwi-IRA enye.
Akuqhelekanga ukuba ne-401 (k) okanye ezimbini kumqeshi odlulileyo kunye nemali ngaphakathi, utsho uR. Weiss, uMcwangcisi wezezimali oqinisekisiweyo kunye nomsunguli weziko lezezimali Iindlela zokuTyeba . Ukuba kunjalo, cinga ukuqengqa i-401 (k) yangaphambili kwi-IRA. Ayisiyi kukuvumela kuphela ukuba wenze lula ubomi bakho bezezimali, i-401 (k) imirhumo kwi-avareji iphezulu kune-IRA, ke uya kuthi ugcine imali ixesha elide.
Ke yintoni iRoth IRA / 401 (k)?
Kukho uhlobo olukhethekileyo lweakhawunti ebizwa ngokuba yiakhawunti yeRoth, eyiakhawunti yomhlala phantsi exhaswa ngemali emva kwerhafu (okt intlawulo yakho yokugoduka). Kwaye ngenxa yokuba uhlawula irhafu ngaphambili, awuzukuhlawula iirhafu ezongezelelweyo xa urhoxa xa uthatha umhlala-phantsi (njengoko ubunokwenza ngendabuko 401 (k). Abanye abaqeshi banikezela ngeRoth 401 (k) s, ethi ilandele imigaqo ye-401 (k) yesiqhelo, kodwa izibonelelo zokurhoxiswa kwerhafu kwiiakhawunti zeRoth.
IiRoth IRAs zihlala zinoluhlu olubanzi lokhetho lotyalo-mali kune-401 (k) s kunye neRoth 401 (k) s. Nangona kunjalo, inani lotyalo-mali lonyaka liphantsi: Kwi-Roth IRAs (kunye nee-IRAs), unokuba negalelo ukuya kuthi ga kwi-6,000 yeedola ngonyaka de ube nama-50, kunye ne-7,000 yeedola ngonyaka emva koko. Kwi-Roth 401 (k) s, umda wokuncitshiswa ufana no-401 (k) s ($ 19,000 ngo-2019 kunye ne- $ 6,000 eyongezelelweyo ukuba ungaphezulu kwama-50.)
Olunye uncedo olukhulu lweRoth IRA kukukwazi ukurhoxisa imirhumo (njengemali ozihlawule ngokwakho) kunye neerhafu, nangaliphi na ixesha. Ukuba ufuna ukurhoxisa nayiphi na ingeniso (nakuphi na ukukhula kutyalo-mali lwakho lwantlandlolo), kuya kufuneka uhlawule irhafu kunye nezohlwayo ukuba wenza ngaphambi kokuba ube nama-59.5. Ukongeza, awunyanzelekanga ukuba uthathe imali xa uneminyaka engama-70.5, njengokuba usenza nge-401 (k). Oku kuthetha ukuba unokugcina imali kwiakhawunti yakho ukuze ukhule usimahla kwirhafu okoko ungathanda.
Nangona kunjalo, ngeRoth 401 (k), ubonwa kulwabiwo olufunekayo kwii-70s zakho njengesiqhelo 401 (k).
Asinguye wonke umntu onokuba neRoth IRA, nokuba: Ukuba wenza ngaphezulu kweedola ezili-122,000 kwaye ufaka irhafu njengomntu ongatshatanga (i-193,000 yeedola idityaniswe ukuba ufayile ngokudibeneyo), amandla akho okufaka igalelo kwiRoth IRA alinganiselwe. Ukuba wenza ngaphezulu kwe- $ 137,000 njengefayile enye ($ 203,000 ukuba ufaka ngokudibeneyo), emva koko awungekhe ube negalelo kwiRoth IRA-ngaphandle kokuba ulungile xa uhlawuliswa irhafu emakhulu mathandathu. Kodwa unako ukuhlala u-Roth 401 (k), ngaphandle kwengeniso yakho.
Ngenxa yoko, u-Weiss uthi abantu abaxhamla kakhulu kwiRoth IRA okanye iRoth 401 (k) banerhafu ephantsi namhlanje kunokuba bebeya kumhlala phantsi.
lithetha ukuthini inani u-444
Oku kuhambelana njani nokuthenga ikhaya?
Ukuba ujonge ukuthenga ikhaya ngamanye amaxesha, iRoth IRA isenokuba yindlela elungileyo yokunceda utyalo-mali lwakho lukhule-abathengi bokuqala basekhaya banokusebenzisa ukuya kuthi ga kwi-10, 000 yeedenali zokufumana kunye neerhafu zokuthenga ikhaya xa iakhawunti yabo sele ivuliwe iminyaka emihlanu. (Unokufunda ngakumbi malunga nezinto ezithile Apha !)
Nangona kunjalo, oku akusoloko kucetyiswa zizo zonke iingcali zezezimali:
Ukugcina ukuthengwa kwekhaya kule minyaka imbalwa izayo kungcono kwenziwe ngeakhawunti yokonga imveliso ephezulu (HYS), utshilo uLauren Anastasio, umcebisi wezobutyebi I-SoFi . Ngokusebenzisa i-HYS, uthatha umngcipheko omncinci kwaye awunakukhathazeka malunga nemida ye-IRS ephantsi kwe-IRAs. Ndiyabakhuthaza abathengi bam ukuba bacinge nge-IRA yabo njengenetha lokhuselo ukuba ufuna ukuza nentlama encinci xa uvala, kodwa hayi isicwangciso sakho esiphambili.
Nangona kunjalo, u-Weiss ungumlandeli wale ndlela enikezwe ubhetyebhetye i-IRS inayo kwiRoth IRAs. Uthi ukongela intlawulo esezantsi kwikhaya kwaye umhlala phantsi awuthethi ukuvula iiakhawunti ezahlukeneyo.
Ngapha koko, umntu unokugcina imali kwiirhafu ngokubeka imali yabo egcinwe ngaphakathi kwi-IRA yabo, utshilo.
Nangona ungeke uthathe ukukhutshwa kwamahhala kwi-401 (k) yakho, unokuboleka kuyo (ngenzala) ukuba kukho imfuneko:
Ukuba isicwangciso sakho esingu-401 (k) siyakuvumela, unokukwazi ukuboleka ukuya kuthi ga kwi-50,000 encinci okanye kwisiqingatha sebhalansi yakho oyinikiweyo kwisicwangciso sakho, utshilo uLogan Allec, uMgcini zincwadi zikaRhulumente oqinisekisiweyo kunye nomnini Imali yenziwa ngokuchanekileyo . Into epholileyo malunga nokuboleka kwi-401 (k) yakho kukuba nayiphi na inzala oyihlawulayo ihlawulwe kanye kwisicwangciso sakho sama-401 (k). Ngelixa isigwebo siphumile malunga nokuba ingaba le sisenzo esifanelekileyo sezemali ngokubanzi, ngokubanzi sithathwa njengesenzo esikrelekrele kunokuthatha, yithi, imali-mboleko yomhla wokuhlawulwa onomdla ogqithisileyo kunye nemirhumo.
Oku kuthetha ntoni kuwe?
Ke loluphi uhlobo lotyalo-mali ekufuneka ulukhethile? IRA okanye 401 (k) -Ingaba iyindabuko okanye isiko? Impendulo elula? Isicwangciso esiliqili sokutyala umhlala-phantsi siya kuba nomxube wazo zombini.
Ukuba umqeshi wakho unikezela ngama-401 (k) -ngakumbi ukuba ayalingana negalelo-kuya kufuneka uyivule kwaye ubuncinci uphume isixa esilinganayo. Ukongeza, ukuba umqeshi wakho unikezela iRoth 401 (k) kwaye ulungile ngokufumana imali encinci ekuhlawuleni kwakho inyanga nenyanga, kunokuba bubulumko ukufumana iRoth, kuba ixabiso le- $ 1 kwiakhawunti yeRoth lingaphezulu kwe- $ 1 kwi iakhawunti yendabuko, utshilo u-Weiss. Ngokwesiqhelo, iiakhawunti zeRoth ziyabathanda abo baqala ukuqala: Okukhona iakhawunti yakho ityalwe ixesha elide, kokukhona uya kukhula ngokukhula kwaye ukonga kakhulu irhafu, utshilo u-Anastasio.
Ukongeza, ukuba ukhathazekile malunga nokufuna imali eyongezelelweyo kwixa elizayo, iRoth IRA licebo elilungileyo, kananjalo: Umzekelo, umntu ngaxeshanye angagcina ingxowamali engxamisekileyo kunye neRoth IRA, esazi ukuba imali ngaphakathi IRA yabo ingasetyenziswa ukuba kufanelekile, utsho.
Ithetha ntoni i-555
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