He aha kahi Roth 401 (k)ʻO, pehea e hana ai, a me ka manawa e pono ai e noʻonoʻo i kahi
He aha keʻano o ka Roth 401 (k)
ʻO Roth 401 (k) keʻano like ia me: he hui pūʻia o 401 (k) a me Roth IRA .
E like me 401 (k), hāʻawiʻia e kekahi mea hoʻolimalima, laweʻia nā kālā mai loko mai o kāu uku uku a hiki ke hoʻolimalimaʻia no ka hoʻomahaʻana ma nā koho koho koho. E like me kahi ROT IRA, hāʻawiʻia nā haʻawina ma hope o kaʻauhau (ma mua o kaʻauhau kālā 401 (k) akāʻaʻole pono keʻauhauʻia ke kālā,ʻoiai ke hoʻihoʻiʻia i ka hoʻomahaʻana ma ka makahiki 59 a ma mua o ka makahiki. (Ke'ōlelo nei au "no keʻano" no ka mea, ua maʻalahi ke kauʻana o Roth i nā rula ma keʻano.
Roth 401 (k) Nā palena hoʻokomo
ʻO nā palena hoʻokomo no kahi Roth 401 (k) ua like like me nā mea no 401 (k) maʻamau. I ka 2018, hiki iāʻoe ke hāʻawi aku i $ 18,500 i kahi Roth 401 (k). Ināʻoe he 50 mau makahiki aʻoi paha, hiki iāʻoe ke hāʻawi i $ 6,000 hou i kēlā me kēia makahiki. E hoʻohālikelike i kēia mau pākuʻi i ka poʻe no Roth IRA: $ 5,500 i ka makahiki i ka makahiki 2018, me ka $ 1,000 hou aku i nā hāpai lima. Eia hou, he mau mīka liʻiliʻi i ka loaʻaʻana no kahi Roth 401 (k).
Roth 403 (b)
Ināʻoe e hana i kahi kīpukaʻole aiʻole kahi kula paha, uaʻike pahaʻoe i kahi Roth 403 (b) i nā makana hoʻomaha o kāu hui. E like me 403 (b) hana e like me 401 (k), e hana Roth 403 (b) e like me Roth 401 (k). No laila hiki iāʻoe ke hoʻoholo i kāu mau koho e like me kou makemake inā loaʻa iāʻoe kahi Roth 401 (k).
Nā Pōmaikaʻi o ka Hoʻolālā 401 (k)
Inā manaʻoʻoe eʻoi aku ka nui o kaʻauhau ma ka hoʻomahaʻana ma mua o kēia lā,ʻo Roth 401 (k) ka nui o keʻano. Ke uku neiʻoe i ka ukuʻauhau haʻahaʻa ma kāu kālā kālā kālā i kēia manawa, aʻaʻoheʻauhau i ka wā e hiki mai ana. No nā kānaka waiwai nuiʻole i kūponoʻole i ka ROT IRA-hoʻokahi hui me kahi kālā hōʻoki kālā i hoʻololiʻia iʻoi aku ma mua o $ 135,000 i ka 2018, hikiʻole ke kūpono,ʻoiaiʻo nā kāne e waiho nei me ka hui pūʻana iʻoi aku ma mua o $ 199,000 i 2018-a Roth 401 (k) e komo i loko o kēia hoʻolālā 'auhau hōʻeuʻeu. Me ka 401 (k) kahiko 401, inā hoʻokaʻawaleʻoe i nā kālā ma ka hoʻomahaʻana, e ukuʻoe i ka uku kālā ma waena o 10% a 37% aʻoi aʻe paha ma muli o kāu kākoʻo kālā . ʻAʻole hiki iāʻoe ke wānana i ka wahi e hele ai kaʻauhau i ka wā e hiki mai ana, akā inā makemakeʻoe e noho i kahiʻauhauʻauhau nui ma kāu mau makahiki hoʻomaha, hiki i kahi Roth 401 (k) ke hoʻonui i keʻano.
ʻO ka poʻe'ōpio iʻole i hoʻokumu i kā lākouʻoihana, eʻike nui lākou i ka piʻiʻana o kā lākouʻauhau i ka wā e hiki mai ana, aʻo kahi Roth 401 (k) a iʻole Roth IRA he ala nui e mālama ai i nāʻauhau o ka wā e hiki mai ana. Akā inā loaʻa iāʻoe ka waiwai maikaʻi ma kēia manawa a ke kali neiʻoe i ka nui o kaʻauhauʻauhau e hāʻule nui i ka hoʻomahaʻana, hiki i ka 401 (k) 40 ke kulana maikaʻi loa.
Nā hana hou o ka Roth 401 (k)
Akā, ma mua o kou hoʻokuʻuʻana i kāu hoʻopiʻi hoʻomaha loa i loko o Roth 401 (k), e noʻonoʻoi ka nui o ka hoʻohālikelike e like me ka 401 (k): ma hope o kaʻauhau kālā. Me ka 401 (k) kahiko, hāʻawiʻia nā kālā i mua o kaʻauhau, no lailaʻaʻohe hopena kālā no ka hōʻai'ē. ʻO 401 (k) ke hāʻawi iāʻoe i kahi ala maikaʻi e hōʻemi iho ai i kāu kālāʻauhau a me kāu kālā auhau kālā me kaʻole e nui kaʻeha kālā. Mai ka Roth 401 (k) nā haʻawina i hanaʻia ma hope o ka laweʻiaʻana o nāʻauhau, eʻoi aku ka nui o ka hopena o kāu pane. E nānā i keʻano o ka hoʻohanaʻana i kahi helu 401 (k) vs. Roth 401 (k).
Nā Rollovers no Roth 401 (k) s
Ma waho aʻe o kaʻokoʻa nui ma hope o kaʻauhau, Roth 401 (k) hana i kaʻumi like 401 (k) s. Ke haʻaleleʻoe i kekahi hana no kekahi'ē aʻe, hiki iāʻoe ke koho i kāu Roth 401 (k) kahi e noho me ka mea hana mua, e neʻe i ka hoʻolālā o kāu luna hou inā loaʻa kahi Roth 401 (k) ma laila, aiʻole e hoʻoneʻe iā ia i kahi huiʻo Roth IRA, ma kahi e mālamaʻia aiʻoe i nā kānāwai hoʻokae like.
He aha kāu e hana ai?
Hiki iāʻoe ke kōkua i nā 401 (k) a me ka Roth 401 (k), akā,ʻo nā palena kau palena no nā pūʻulu i hui pūʻia. No laila, e neʻeʻoe i kekahi o kāu mau kālā 401 (k) i kahi Roth 401 (k)? Ke hilinaʻi nei ia i nā kumu auhau i kūkāʻia ma luna nei. E makemake pahaʻoe e hoʻomau i ka pahuhopu o ka maxing out contributions i kāu 401 (k) mau manawa, a loaʻa iāʻoe iho kahi Roth IRAʻaʻole i kākoʻoʻia e kekahi mea hana. Ināʻaʻoleʻoe e hoʻolālā e hāʻawi i nā kālā aʻoi aku ma mua o $ 5,500 a $ 6,500, he ROT IRA mau nō e hāʻawi iāʻoe i nā pono likeʻole e loaʻa iāʻoe me Roth 401 (k). Inā loaʻa iāʻoe ka mea hiki ke hāʻawi i nā kālāʻelua o ka peniho lākiho, he 401 (k) a me ka hui pū Roth IRA e hoʻohuli i keʻano no ka loaʻa kālā overaveravers.
Nui aʻe ma mua o 50% o nā mea hana nui e hāʻawi aku i kahi Roth 401 (k). Inā makemake nuiʻoe i kahi koho Roth 401 (k) a ke hāʻawi nei kāu mea hana i hoʻokahi, e noi iā lākou e hōʻolahi. ʻAʻole ia he meaʻeha, a he hoʻokahi koho koho koho e hiki ke kōkua iāʻoe e kūkulu i kahi kūlana kālā maikaʻi ma ka haʻaleleʻana.
Hiki ke hāʻawiʻia nā mea ma kēia pūnaewele no kaʻike a me ke kūkākūkāʻana wale nō, aʻaʻole pono ke kumu no kāu mau'ōlelo hoʻoholo hoʻoholo. ʻAʻohe kumu e hōʻikeʻia kēiaʻikepili i manaʻo e kūʻai a kūʻai aku i nā palekana.