Pehea e hiki ai i kēia pūʻulu hoʻolimalima ke kōkua iāʻoe e ho'ōla
ʻO ka mea mua, nā kumuhana: IRA ke kū nei no "ka heluʻauhau uku hoʻokahi." ʻO ia keʻano o ka inoa o kēlā inoa -ʻo ia kahi pūnaewele hoʻomaha no kekahi kanaka (ʻoʻoe).
Ke kūkuluʻia neiʻo IRA e ka mea lawe ukana. ʻO ia keʻano oʻoe, ma mua o kāu mea hana, e hana i ka hana e hana i IRA.
Peheaʻoe e hana ai pēlā? E kelepona i kekahi lawelawe kūleʻa nui - e like me Vanguard, Schwab, T. Rowe Price, aiʻole ka Pono. Ua loaʻa i kēlā me kēia hui nā palapala noi noi ma ka pūnaewele e hiki iāʻoe ke hoʻopihapiha i ka hanaʻana i kahi IRA.
No laila he aha kahi Roth IRA? No ka paneʻana i kēia nīnau, e wehewehe ana wau i ke kālā e kauʻia i loko o ka IRA.
Pehea e hoʻolālāʻia ai nā 'auhau i loko o ka IRA tradition
ʻO ka mea maʻamau, hiki i nā kānaka ke hoʻolōʻihi i kaʻauhauʻana i nāʻauhau no ke kālā i hoʻokomoʻia i loko o ko lākou IRA. E manaʻo mākou e loaʻa iāʻoe $ 50,000 a hāʻawiʻoe i $ 5,000 i loko o kāu IRA tradition. E ukuʻoe i nāʻauhau ma nā $ 45,000 wale nō ke kālā. (No ka mālamaʻana i kēiaʻano maʻalahi, manaʻo mākouʻaʻoleʻoe e lawe i kekahi unuhi'ē aʻe.)
ʻO ka $ 5,000 i loko o kāu IRA maʻamau e ulu i kaʻauhauʻole i loko o nā makahiki. ʻO ia hoʻi, hiki ke loaʻa nā waiwai kālā a me nā'āpana waiwai ma luna o lākou iho me ka lawe muaʻoleʻiaʻana o ka pōʻai. Hiki iāʻoe ke hoʻonui i kāu mau loaʻa .
I ka hopena, i ka wā e hoʻi aiʻoe a hōʻoki i ke kālā mai kāu IRA kahiko, e ukuʻoe i kaʻauhauʻauhau āpau: e ukuʻoe i kaʻauhauʻauhau a me kaʻauhau kālā kālā lōʻihi.
ʻO ka ROT Irast Difference me nā Taʻi
Hoʻokaʻawaleʻiaʻo ROT IRA ma keʻano'ē aʻe. Inā loaʻa iāʻoe $ 50,000 a hāʻawiʻoe i $ 5,000 i kou ROT IRA, e uku mauʻoe i nāʻauhau ma ka $ 50,000 o ka loaʻa kālā.
Ma luna o kaʻili, e like paha kēia me he meaʻoi aku kaʻino. No ke aha e uku ai i nāʻauhau i kēia lā, inā hiki iāʻoe ke hoʻolō i kēlā mauʻauhau ma kahi?
Eia ke kumu kumu nui no ka nui o Roth IRA:ʻaʻoleʻoe e hoʻokau hou i nāʻauhau ma ke kālā, ʻaʻole ma nā pane kālā a me nā puʻupuʻu.
Ma nā'ōlelo'ē aʻe, e'āponoʻia ke kālā ae hui pūʻoleʻia ke kālā, a ināʻoe e hoʻokuʻu i kēlā kālā i ka hoʻomahaʻana,ʻaʻoleʻoe e uku i ka dime ma nāʻauhau,ʻaʻole ma nā loaʻaʻana.
Hiki iaʻu ke koho i kekahi IRA kahiko a iʻole i kahi IRA?
E kūkākūkā i kahi mea kālepa kūpono kūpono e pili ana i kahi helu kūpono iāʻoe. Ma keʻano he koʻikoʻi o ke koʻokoʻo, he nui ka ROT IRA no nā poʻe i ka 20, 30 a me 40 mau makahiki, a he mau makahiki he mau makahiki i koe a hiki i ka haʻaleleʻana.
Eʻike paha kēia pūʻulu i nā pōmaikaʻi nui loa i kā lākou kōpili, no laila, e pōmaikaʻi loa lākou i ka ukuʻoleʻana i kaʻauhauʻana i nāʻauhau ma luna o ia mau waiwai.
Eia kekahi, inā manaʻoʻoe aiaʻoe i kahi pale kālā haʻahaʻa i kēia manawa ma mua o kou hikiʻana i ka wā e hiki mai ana,ʻo Roth IRA ka meaʻoi loa loa. E manaʻo mākou aiaʻoe i kēia manawa i ka 20 pakeneka aiʻole 25% o kaʻauhauʻauhau, a ke manaʻo neiʻoe i ka wā e hiki mai ana, hikiʻoe i 30% aiʻole 35 pakeneka kālā. Ma kēia kūlana,ʻoi aku ka maikaʻi o kāu hoʻolimalimaʻana ma kahi Roth IRA.
ʻO kēlā'ōlelo, ua aneane hikiʻole ke hoʻomaopopo i nā ukuʻauhau no ka wā e hiki mai ana, no ka meaʻaʻohe mea iʻike i keʻano o ka'aha'ōlelo e hele ai ka Lūpule.
He nui nā kānaka i loaʻa iā lākou i kahi pale kālā haʻahaʻa ke hoʻi lākou, no ka mea, loaʻa lākou i ke kālā liʻiliʻi. Eia hou, makemakeʻoe e launa me nā kumu kālepa kūikawā kūpono e koho ai i kahi o ka hana e kūpono iāʻoe.
ʻIke au e kūʻai i kahi IRA?
ʻAʻole hiki i nā kānaka a pau ke komo i kahi Roth IRA.
ʻO ka mea mua, hiki iāʻoe ke hoʻoikaika i nā hana i loaʻa, ka uku hoʻolimalima. ʻO ia keʻano ināʻaʻoleʻoe i loaʻa kahi penikala i kēia makahiki,ʻaʻole hiki iāʻoe ke hana i kahi haʻawina ROT IRA.
E like me ka mea i kūkā waleʻia e mākou,ʻo ka mea'ōpiopio,ʻo ia ka nui o ka loaʻa iā lākou ma ka Roth IRA. ʻO ka hopena, he nui nā mākua e ho'āʻo e hoʻokumu iā Roth IRA no kā lākou mau keiki.
Eia naʻe,ʻike nā mākuaʻaʻole hiki iā lākou ke hoʻokumu i kahi Roth IRA no kā lākou mau keiki keʻole ka uku kālā a ke keiki.
ʻO ka lua,ʻo kāu kālā loaʻa ma lalo o kekahi paepae.
Hōʻike kēiaʻatikala i nā palena kaulike a me nā palena kaulike.
He aha inā inā mākou i mareʻia, hoʻokahiʻohana waiwai?
Inā hoʻoiliʻoe a me kāu kāne i ka hoʻihoʻiʻokoʻa i kaʻahahui, hiki iāʻoe ke hana i nā koina IRA,ʻoiai inā hoʻokahi oʻoukou he ukuʻauhau.
ʻO nā'ōlelo'ē aʻe, inā he makuahine hana a kou home a he makua noho ma ka home, a iʻole ia, ʻo ka hiki i nā mākua ke hāʻawi kālā i kā lākou IRA. ʻAʻole pono ka mea i loaʻa i ka wahine i ka uku.
ʻO kāu hui hui - ma keʻano he kāne -ʻaʻole hiki ke hoʻonui ma mua o ka ukuʻauhau i hōʻikeʻia i kāu hoʻihoʻiʻana o kaʻauhauʻauhau.