Pehea e noʻonoʻo ai i kahi Roth IRA (Kuleana Retirement Pelekane).
ʻO wai ka mea e wehe i kahiʻokoʻa IRA
He nani loa ka nani o R Rola IRA
- ka poʻe iʻaeʻole e loaʻa iā lākou he 401 (k) hana hana like
- hiki iā lākou ke hoʻopakele i nā mea hou no ka hoʻomaha loa ma mua o ka huina kālā a ka mea nāna i hoʻolimalima
Me nā manawa kūpono no ka uluʻana i kaʻauhau kālā,ʻo kahi ROT IRA kahi ala maikaʻi loa e lilo ai i kālā kūʻokoʻa ma o ka haʻaleleʻana.
Pehea a me kahi e wehe ai i kahi IRA
Hiki iāʻoe ke wehe i kahi Roth IRA ma kahi kokoke i kahi hale kūʻai a hale kūʻai paha, i loko o ke kanaka a iʻole ma ka pūnaewele. ʻO ka weheʻana i kahi hana IRA he mea maʻalahi loa ia, me ke kōkua e kōkua kokeʻia. ʻO ka manawa pinepine, he mauʻano wale no koe no ka hoʻopau. E lawe mai i kāu helu mālama ola meʻoe a me nā helu mālama ola a me nā kūlana o kekahi mea waiwai i kāu moʻokāki.
Earned Income a me Roth IRA
ʻO ke kālā iʻaeʻiaʻoe e hāʻawi i kahi ROT IRA, ua palena ia i kāu kālā loaʻa. ʻO ka loaʻa kālā kālā ka uku a me nā uku waiwai pilikino, akā,ʻaʻole e komo i ka uku a me nā'āpana waiwai. Ināʻoe i male, ua kauʻia kāu palena i hui pūʻia me ka nui o kāu kālā i loaʻa.
ʻO nā palena hoʻokomo no Roth IRA
No nā makahikiʻauhau 2016 a me 2017,ʻo ka nui āu e hāʻawi aku ai iā Roth IRA he $ 5,500.
Ināʻoe he 50 aʻoi paha, hiki iāʻoe ke hāʻawi aku i kahi $ 6,500. Inā ua loaʻa iāʻoe kahi kālā, hiki iāʻoe ke kōkua i nā IRA a me ka ROT IRA wale nō, akā,ʻaʻole e hiki i ka hui pūʻana o kāu mau makana keʻoi aʻe ma mua o $ 5,500 ($ 6,500 inā he 50 aʻoi aʻe paha).
Ka palena palena palena IRA
ʻO kēlā me kēia kōkua ROT IRA i pili i kahi makahiki kahiki kūikawā.
Hiki iāʻoe ke hana i ka makana mai Ianuali 1 o kēlā makahiki a hiki i ka pauʻana o ka hōʻaihoʻiʻana i kāu hoʻihoʻiʻauhau. ʻO nā mea makemake e hana i ka hāʻawi kālā 2016 Rote IRA e hiki ke hana pēlā mai Ianuali 1, 2016 a hiki i ka lā 18 o Aperila, 2017.ʻO ka palena manawa no nā'āpanaʻo Roth IRA no ka makahiki makahiki 2017ʻo ka lāʻApelila 17, 2018.ʻAʻoleʻoe e hana i ka holoʻokoʻa $ 5,500 mau kālā i ka manawa hoʻokahi; hiki iāʻoe ke hoʻolilo i nā'āpana liʻiliʻi he nui, i ka lōʻihiʻole o ka nui o ka waihona iʻoi aku i ka $ 5,500.
ʻAʻohe Dute Dute no Roth IRA Nā Kōkua
ʻAʻole loaʻa kahi hoʻokewaʻauhau no kahi haʻawinaʻo ROT IRA. (He nui nā kānaka i loaʻa ka laweʻiaʻana o kaʻauhau no ko lākou mauʻohana IRA maʻamau .)
Hāʻawiʻia nā haʻawina kōkuaʻo Roth IRA no ka uku kālāʻauhau
ʻOiai he hikiʻole i nā dedu a kaʻauhauʻauhau kālā no nā kālā Roth, uaʻaeʻia kekahi poʻeʻauhau kālā no ke kālā hōʻai'ē hoʻoholoʻana ma muli o kā lākou kālā i hōʻiliʻiliʻia. ʻO kēia kahi mea hoʻouluʻia e hoʻokauʻia kaʻauhauʻauhau no nā meaʻauhauʻauhau a me waena e loaʻa ai kā lākou hoʻoponopono hoʻomaha a hoʻemi i nāʻauhau ma ke ala. No kaʻike hou aku e pili ana i nā palena no ka hōʻai'ē no ka haʻaleleʻana i nā mea hōʻai'ē no ka hoʻomahaʻana no 2017 e nānā i kēia loulou .
Loaʻa i kaʻauhau-ka ulu mauʻana mai kahi Roth IRA
ʻO ka kālā āu e hāʻawi ai i kāu ROT IRA e ulu i kaʻauhauʻole.
ʻAʻoleʻoe e uku i kekahiʻauhau ma luna o ka uku o ka waihona. ʻO kaʻoiaʻiʻo,ʻaʻoleʻoe e hōʻike pū i ka kālā i ka IRS. ʻOiai ma ka hoʻomaha loaʻana, inā hoʻololi muaʻoe i kāu kālā ROT IRA,ʻaʻoleʻoe e uku i nāʻauhau ma ka māhele. Ināʻoe e lawe i kāu kālā ROT IRA ma mua o ka hoʻomahaʻana, akā, he pono kaʻauhau.
Nā palena palenaʻole a me IRA
ʻO ke kūpono e hāʻawi aku i kahi ROT IRA ka palena i ke kuleana o kāu waihoʻana a me ka uku kālā i hoʻololiʻia . Hoʻoliloʻia nā palena o ke kālā ROT IRA i kēlā me kēia makahiki. No ka makahiki makahiki 2017, hiki i nā keiki hoʻokahi ke kōkua i kahi ROT IRA i ka makahiki 2017 i hoʻokuʻuʻia i ka wā i hoʻololiʻia ai ke kālā hōʻemi i hoʻololiʻia (MAGI) i ka $ 118,000 - $ 133,000. Inā maleʻanaʻoe i ka hui pūʻana, hiki ke hoʻokuʻuʻia kou hiki ke hāʻawi aku i ka ROT IRA no ka hikiʻana o kāu MAGI i kahi $ 186,000 a $ 196,000 i 2017.
ʻAʻohe Kuleana Kūpono mai Roth IRA
ʻAʻole like ka 401 (k) i nā hoʻolālā a me nā'IRA kahiko,ʻaʻohe makahiki e pono ai e hoʻomaka i ka hāʻawiʻana i ke kālā mai kou Roth IRA. ʻO ka hopena,ʻo Roth IRA he mea maikaʻi loa ia e hele ai i ka waiwai i kāu mau keiki a mau moʻopuna paha.