Ke pale nei i kahi kuhi kūʻai kālā
Hāʻule ia i lalo i ka pilikino pilikino.
'Aʻawiʻia nā'AliaʻAhaʻAlaʻAlaʻAlaʻAna'Ai'ē ma mua o nāʻauhauʻauhau maʻamau
He loiloi ka mea i emi iho ka palena o kaʻaha kaulike i kaʻauhau ma mua o ko lākou mauʻauhauʻauhau (nā luina paʻa, nāʻawa Waihona, a me ka cetera). No ka kauʻana iā lākou ma ka pākahi, ponoʻoe e helu i kekahi mea i kapaʻiaʻo kaʻohi likeʻoleʻauhau, a hiki iāʻoe ke heluhelu hou aku . Ma ka 2016, he 20 mau makahiki AAA hui paʻa, i kuʻi pihaʻia i ke kālā, ke hāʻawi nei i 3.90%,ʻoiai he 20-makahiki AAA no kaʻauhauʻauhau āpauʻole i ka 2.19%.
ʻO kēlā mahele o 1.71%ʻaʻole ia he meaʻole.
E noʻonoʻo ua loaʻa iāʻoe he $ 100,000 ma kou Roth IRA, kūkuluʻia ma luna o nā makahiki o ka mālama ponoʻana i ke kālā . ʻO ka uku nui o kāu Roth IRAʻo ia,ʻo ka loaʻaʻole o nā mea loaʻa i loko o kona pū pale palekana mai kaʻauhau. ʻAʻole heʻauhau o kaʻauhau, ukuʻauhau,ʻaʻohe uku hoʻolimalima, aʻaʻohe kālāʻauhau waiwai . I kēia hihia, e nānā anaʻoe i nā kaulahaoʻelua, a ua heluʻiaʻelua aʻo AAA, aʻo nā meaʻelua i ka 20 makahiki.
Eia naʻe, e uku iāʻoe ke $ 3,900 i ka uku kālā i kēlā me kēia makahiki, aʻo ka palapala hoʻopaʻa aupuni e uku iāʻoe i $ 2,190 i uku makahiki. ʻAʻohe mea hoʻopono e hāʻawi i ka $ 1,710 i ke kālā kūpono e noho ana ma ka papa. ʻO ka mana o kāu ROT IRA he mea nui loa ia i kaʻauhauʻole o kaʻahahui me ka ukuʻole!
E mālama i kahi hoʻonohonoho waiwai inā loaʻa iāʻoe kahi'ōkole IRA
Aia kekahiʻano o ka papahana hoʻoponopono kōpili i kapaʻia ka hoʻokūkū waiwai e pili ana i kēia mauʻano, a he nui ka hapaʻana o lākou ma kahi Roth IRA. Ma ka nānāʻana i kahi āu e hoʻolālā ai i kāu kālā passive , a nānā i keʻano o nāʻano kālā loaʻa e pili ana i ka hopena o ia mau mea,ʻo ka mea hana i ka waiwai waiwai e hoʻonohonoho i kona ola kālā e hoʻonui i ka hōʻai'ē ma hope o kaʻauhau kālā. mālama.
E nānā aku iāʻoe me ka waiwaiʻole koe he $ 500,000 kōpili me $ 250,000 ma kahi Roth IRA a me $ 250,000 ma kahi pūkekekeke . ʻElua wale nō kālā kālā kāu. ʻO ka mua, he hōʻuluʻulu o nāʻaha i uku i ka 5% o ka makahiki, aiʻole $ 12,500 ka heluʻana i kēlā me kēia makahiki. ʻO ka lua, he hōʻiliʻili ia o nā kumukūʻai ulaʻula e ukuʻole i nā'āpana.
Ināʻoe e hoʻokau i nā kumukūʻai ukuʻole i ka ROT IRA, mālamaʻia nāʻauhauʻauhau i loko o kahi pūkeke kālā, a aiaʻoe i loko o ke 35% pale, e pauʻoe me $ 8,125 i ka loaʻa kālā i kēlā me kēia makahiki.
Eia naʻe, ināʻoe e hoʻololi i kēlā mau'āpana kālāʻelua a waiho i nāʻauhauʻauhau i loko o ROT IRA a me nā poho'ai'ēʻole i loaʻa i ka'āpana kūʻai, e mālamaʻoe i $ 12,500 a pau. ʻO ia he $ 4,375 hou, aiʻole 53.85% o nā kālā ma mua o kāu i loaʻa ai, no ka mea e pili ana i kāu e hoʻopaʻa ai i nā kūlana hoʻolimalima.
ʻO kēia mau mea liʻiliʻi ka mea,ʻoiai ma kahi lōʻihi o ka manawa. ʻO kahi $ 4,375 i hoʻolakoʻia ma 10% no 50 mau makahiki he kokoke $ 5,100,000. Ke uku maoli neiʻo ia, e mālama pono i nā waiwai i loaʻa iāʻoe, akā ma kahi āu e paʻi ai i kēlā mau waiwai.
ʻO ke Kauoha Nui no Roth IRA Investments
ʻOiai heʻano likeʻole nā mea a pau o kēlā me kēia kanaka, a pono e noʻonoʻoʻia i ka wā e hoʻoholo ai i nā'ōlelo kālā,ʻo ia ka kulekele nui no kahi hoʻolimalima kālā Roth IRA,ʻo ia ka mea e pono aiʻoe e noʻonoʻo pono i nā waiwai palekana a me nā waiwai i loko o ka IRA iho, ka nui o nāʻauhauʻauhauʻauhau a me nā waiwai ma o nā mea'ē aʻe, nā kiko kiko'ī maʻamau, e like me ka hoʻopili pololeiʻana , nā DRIP , a me nā kumukūʻai.
ʻO nā waiwai e mālama i ka mahalo i ka uku kūponoʻole i ka poʻe i hoʻolei i ka hapa nui o nā waiwai waiwai ma keʻano o ke kālā.
ʻO nā lālā o nā hui i nā manawa maʻamau he mea maikaʻi loa ia no kahi Roth IRA, no ka mea, he kūpono i ka hoʻokaʻawaleʻana i nā kumukūʻai a me nā hoʻokele waiwai waiwai .