Nā Manaʻo ma luna o ka Roth 401k
Ināʻikeʻoe i nā haʻawina 401k mau, hiki iā ia ke kōkua a hoʻohālike a hoʻohālikelike .
No nā makahiki, he 401k mau manaʻo i hoʻolimalimaʻia i mua o kaʻauhau (a me nā kuhina) i ka papahana. Ua hoʻemiʻia kēlā mau kālā i kāu kālāʻauhau, i mea e maʻalahi ai ke kōkua (aiʻole paha e kōkua iāʻoe e uku i ka palena haʻahaʻa, inā ua pauʻoe i kahi pale lalo ma ka hoʻomaha). Eia naʻe, no ka mea,ʻaʻole i ukuʻia kēlā kālā kahiko, koi ka IRS iāʻoe e uku i kaʻauhau ma nā kālā a pau i laweʻia mai loko mai o nā moʻomeheu (no ka mea paha e hana anaʻoe i kēia i loko o ka hoʻomahaʻana, inā pahaʻoe e hoʻi koke i ka pō - e hiki ai ke loaʻa nāʻauhau hou a me nā uku ).
I ka makahiki 2006, ua hoʻololi nā kānāwai e hāʻawi aku i nā kālā kōkua Roth 401k. E like me nā kuʻuna maʻamau, loaʻa nā makana o Roth mai kāu uku. Eia naʻe,ʻaʻole lākou e hoʻemi i kāu kālā kālā. E uku nuiʻoe i kaʻauhauʻauhau likeʻole ināʻoe e kau i ke kālā ma Roth 401k a iʻoleʻoe e kau nei i ke kālā i kāu waihona kāleka.
E like me ka nui o nā palapala hoʻolimalima,ʻaʻoleʻoe e uku i nāʻauhau i nā kālā i loko o ka helu i kēlā me kēia makahiki.
Roth 401k Limits
ʻO nā palena no nā kākoʻo Roth 401k ua like nō ia me nā hāʻawi'āina 401k kahiko . I ka 2016, hiki i ka maximum i hiki iāʻoe ke hāʻawi i kahi kālā he 401k (ma kahi hoʻolimalima kālā) he $ 18,000. Hiki iāʻoe ke hana i nā mea a pau e like me Roth,ʻo ia a pau e like me ka mea maʻamau, aiʻoleʻoe hiki ke hana i kekahi'āpana o kēlā me kēia. Ināʻoe i piha i ke 50 o kou mau makahiki, hiki iāʻoe ke hāʻawi aku i $ 6,000 hou i kēlā me kēia makahiki.
ʻO ka limahana a me nā uku hana
Ke kuhikuhiʻoe i kekahi hapa o kāu uku i 401k, e hana anaʻoe i nā "hoʻopiʻi hoʻopiʻi uku" (ʻo ia hoʻi ka inoa o nā "lima hana"), a hiki iāʻoe ke koho inā makemakeʻoe e hana i kahi kuʻuna, Roth, aiʻole nāʻanoʻelua nā kōkua. Hiki i kāu hana ke kōkua pū aku i ka papahana a kōkua iāʻoe e kūkulu i kāu hoʻopalekana hoʻomaha. ʻO nā haʻawina (e like paha me nā haʻawina pili like a me nā haʻawina hoʻoili kālā) e kapaʻiaʻo ia nā mea hana. ʻO nā mea kōkua a pau e lilo i nā "hoʻokupu mua" i kāu moʻokāki.
Makemakeʻo ia i ka naʻau e hoʻohana iā Roth?
ʻO Roth 401k wale nō kahi koho, a inā pahaʻaʻole pahaʻo ia ka koho maikaʻi. E kamaʻilio me kāu meaʻauhauʻauhau a iʻole ka luna kālepa kūpono kūpono ma mua o ka hoʻoholoʻana.
Inā manaʻoʻoe e piʻi aʻe ka uku kālā loaʻa ma ka wā e hiki mai ana, hiki paha iā Roth ke manaʻo maikaʻi. Hiki iā ia ke hana ma muli o ka piʻiʻana o kaʻauhauʻauhau o kaʻauhau āpau a (ma nā'ōlelo'ē aʻe, ma keʻano likeʻole o ka uku kālā, e ukuʻoe i nāʻauhau i kahi kiʻekiʻe he 15 mau makahiki), aiʻole no kou piʻiʻana i nāʻauhauʻauhau.
ʻO ka mea maʻamau,ʻo ka manaʻo e loaʻa anaʻoe i kaʻauhau kālā haʻahaʻa ma ka hoʻomahaʻana: e hōʻoleʻoe i ka loaʻa kālā mai kāuʻoihana, a he mea liʻiliʻi kāu loaʻa mai ka Social Security (a he uku paha).
Inā kūpono kēia, hiki i Roth ke hopena i ka hele hewaʻole. Akā nō naʻe,ʻaʻole ia he maʻalahi - he wahi paʻakikī ka honua. ʻO keʻano o ka pūnaewele āu e hoʻohana ai, e hiki ke hoʻopili i ka nui o kāu kālā āu i hōʻike ai i nāʻauhauʻauhau, kahi hiki ke hoʻololi i kekahi mau mea'ē aʻe.
ʻAʻole hiki iā mākou keʻike i ka mea e hiki mai ana, no laila, ponoʻoe e hana i kekahi manaʻo kumu a me kaʻike. Ināʻoluʻoluʻoleʻoe i kekahiʻaoʻao aiʻole i kekahi, hiki iāʻoe ke hoʻolaha mau i ke kālā a puni: e hana i kekahi mau moʻomeheu a me kekahi mau makana Roth. Ma kēlā ala, e loaʻa iāʻoe ka koho e huki mai i kahi pūnaewele e hana maikaʻi loa iāʻoe i kēlā manawa.
Ka mea nui: ua hoʻolakoʻia kaʻike ma kēia pūnaewele no ke kūkākūkāʻana wale nō. ʻAʻole pono e hoʻohanaʻia e hana i nā'ōlelo hoʻoholo waiwai nui e hiki ai ke loaʻa nā hopena maikaʻi. E kūkākūkā me kaʻoihana kūikawā me kaʻike o kou kūlana ma mua o ka hanaʻana i nā koho.