ʻAʻoleʻoe e koho i waena o kahi hui IRA a me kahi kālā kālā
Ma waho o kahi kālā kākoʻo,ʻo Roth IRAʻaʻole ia heʻano o ke kālā.
ʻO R Rhopa IRA kahiʻano pilikino. Hiki iāʻoe ke paʻa i nāʻoihana likeʻole me nā kāpena , nā kāmeʻa , ka kālā, a me,ʻo ia,ʻo ke kālā pū kekahi , i loko o kahi Roth IRA.
Hāʻawi nāʻano likeʻole o nāʻaha i kā lākou mau iho iho o kahi Roth IRA. ʻOʻA Roth IRA mai kahi kālepa kūʻai aku e like me Charles Schwab e hāʻawi iāʻoe e kūʻai i kekahiʻano o ka hoʻolālā, e like me nā mea i haʻi muaʻia, nā kikoo, a me nā haʻawina kālā. ʻOʻA Roth IRA mai kahi kāleka e hoʻokuʻu waleʻia pahaʻoe e kūʻai i ka palapala hōʻailona o ka mālama kālā a me nā hōʻai'ē kūʻai kālā. ʻOʻA Roth IRA mai kahi hui kālā kālā e waiho wale paha iāʻoe e kūʻai i nā kālā likeʻole i hāʻawiʻia e ka hui kālā pūʻali pono'ī.
No ke kōkuaʻana iāʻoe e hoʻomaopopo i ke kumu o ka manaʻo holoʻokoʻa o kahi Roth IRA a me ka waihona kālāʻole he meaʻole, e holo wau iāʻoe ma nā hiʻohiʻona. Ma kaʻikeʻana i kahi e hiki ai i kahi mea kālā ke wehe i kekahi o kēia mau helu kālā i kāʻanaʻia i loko o ke ao maoli, hiki iāʻoe ke hoʻomaopopo maikaʻi i kā lākou hana.
Nā kumu o ka hana a IRA
ʻO R Rhopa IRA kahiʻano o ka pepaʻauhau reti i hanaʻia e ka'aha'ōlelo. Hoʻohālike ia i kahi IRA kahiko i nāʻano kaulana . I kēlā makahiki kēia makahiki, hiki i ka'aha'ōlelo keʻae iāʻoe e waiho i kahi kālā nui, i kahi kiʻekiʻe iʻikeʻiaʻo ka "palena palena". E hoʻohana wau i nā palena palena palena ROT I kēia manawa , he $ 5,500 no kēlā me kēia kanaka no kēlā me kēia 49 makahiki aʻoi paha a $ 6,500 i kēlā me kēia kanaka no kēlā me kēia 50 mau makahiki aʻoi paha.
ʻO nā kālā āu e hāʻawi ai i kahi ROT IRA, a hiki i ka palena kiʻekiʻe no ka makahiki i hāʻawiʻia, ʻaʻole e ukuʻia ke kālā. Ma kēiaʻano, ua like ia me ka hoʻohuiʻana i kahi pūʻulu waihona. Ma kaʻaoʻao'ē aʻe, aneaneʻo nāʻano kālā likeʻole i loko o Roth IRA, me nā'āpana waiwai, uku, nā uku waiwai, a ma kekahi mau hihia, uku hoʻolimalima ,ʻaʻole loa e ukuʻia. I ka hoʻololiʻana i kēia hana kūikawā,ʻaʻoleʻoe eʻaeʻia e hoʻihoʻi i nā waiwai a hiki i ka wā he 59.5 mau makahiki a hiki i kou hālāwaiʻana i hoʻokahi o nā hoʻokuʻuʻana . Ināʻole, e hōʻehaʻoe i kaʻauhau kālā he 10%.
E noʻonoʻo i kou wā e ola nei, ua hoʻoikaikaʻoe i ke kālā ma kahi Roth IRA. Hoʻopauʻoe i $ 5,000,000 ma ka waihona a paʻi iā ia i nā lālā paʻa i ka wā e hāʻawi ana lākou i 7.5% no nā kala makahiki he 10. E hōʻiliʻiliʻoe i ka $ 375,000 ma ka uku makahiki i loko o kou Roth IRA. Ma lalo o nā lula o kēia manawa,ʻoiaiʻo 59.5 mau makahiki aʻoi paha, hiki iāʻoe ke hoʻokuʻu i kēlā kālā - $ 375,000 a pau - aʻaʻole hoʻi e uku i hoʻokahi peni i nāʻauhau. A iʻole inā makemakeʻoe, hiki iāʻoe ke hōʻoki i ka $ 5,000,000 hapaʻakoʻa nele (inā paha he kuhihewa kēia ma ka maikaʻi o ka mālamaʻana i ke kālā i loko o nā palena palekana o Roth IRA a lawe wale i ka waiwai kālā e like me kou makemake) .
ʻO ke kumu kēia o ka Roth IRA,ʻo ia hoʻi ka lima i lalo, kahiʻoihana maikaʻi loa no nā mea waiwaiʻuʻuku.
ʻAʻole makemake ka'aha'ōlelo i nā mea a pau e komo i ka ROT IRA no ka hoʻokaʻawaleʻana i nā palena o ka home ma ka pono. Inā kū hoʻokahiʻoe a hoʻolilo i kahi $ 133,000 i kēlā me kēia makahiki,ʻaʻoleʻoe e āpono e kōkua i kahi Roth IRA ma lalo o nā kulekele. Inā maleʻoe, e waiho pū me ka hui,ʻo ka huina he $ 196,000. He mea palekanaʻole kēia no ka mea ināʻoe e hāʻule i loko o kēia māhele, hiki iāʻoe ke kōkua wale aku i kahi IRA tradition, ka mea iʻole nā palena o ka loaʻa kālā, a laila hoʻololi iā ia i kahi Roth IRA. He wahi liʻiliʻi o ka pepa pepa akāʻo ka hapa nui o nāʻoihana kālā ke hana ia i ka manawaʻelua. Uaʻikeʻia kēiaʻo "Backdoor Roth IRA".
Ke weheʻana i kahi IRA i kahi Bank a iʻole Kālā kālā
Heleʻo Elize i loko o kaʻeke kālāʻo ia ma ka moku ākea a weheʻiaʻo Roth IRA.
ʻAʻole kahiʻaha kālā hoʻokaʻawale i kaʻahaʻeleʻele i hiki ai iā ia ke hāʻawi i ke kālā i nā palapala hōʻailona o ka hūnā a iʻole kaʻike kālā kālā. ʻAʻole hiki iā ia ke kūʻai aku i nā lāʻau, nā pale, nā kālāʻai, a me nā waiwai kūikawā ma o kēia Roth IRA no ka mea,ʻaʻole ia e hāʻawi aku iā ia i loko o kāna mau lawelawe i hoʻolakoʻia.
No ka hoʻoliloʻana iā ia i mea paʻakikī, kekahi, akā,ʻaʻole i nā mea a pau,ʻo nā'ake a me nāʻaha kālā i hoʻokaʻawaleʻia ka hoʻokaʻawaleʻana iāʻoe no ke kūʻaiʻana i kahi kālā no kāu ROT IRA e komo ana i nā palapala kikoʻo, a me nā kālā kālā mai nā poʻe'ē aʻe. ʻO Wells Fargo a me ke Bank of America, ma keʻano heʻana, e hāʻule i loko o kēia kahua hoʻomoana.
Hoʻomakaʻana i kahi IRA ma keʻano pololei me kahi Hui Pūʻulu Mutual
Ua hoʻoholoʻo Erston e makemake anaʻo ia e kūʻai i nā'āpana o ka Tweedy Browne Global Value Fund, kahi hōʻailona TBGVX. Heleʻo ia i kahi pūnaewele o ka pūnaewele hui, lawe mai i kahi noi, nānā i ka pahu "Roth IRA", a kākau hoʻi i kahi kope no $ 5,500,ʻo ia ka maximum i hiki ke hāʻawiʻia i 2017, he 33 makahiki kona. Hoʻolālā ka hui kālā o Rote IRA iā ia, akāʻo kahi wale nō kālā kālā e mālamaʻia e mālamaʻia he mau'āpana kālā ia i mālamaʻia e Tweedy, Browne & Co., LLC, ka manaʻai kālā. Inā makemakeʻo ia e kūʻai i nā'āpana o Vanguard S & P 500 Index Fund a iʻole Coca-Cola, ua neleʻo ia i ka pōmaikaʻi.
E like me nā kāleka a me nā hōʻai'ē kālā, kekahi, akā,ʻaʻole i nā mea a pau, nā pūʻulu waihona kālā pū kekahi me nā'āpana kūʻaiʻana e hāʻawi iāʻoe e kūʻai i nā puʻu kālā no kāu Roth IRA e komo pū ana me nā dālā, nā paʻa, a me nā kālā kālā mai nā poʻe'ē aʻe. ʻO Vanguard a me ka Pono, ma keʻano heʻana, e hāʻule i loko o kēia kahua hoʻomoana.
Hoʻomakaʻana i kahiʻike IRA ma ke Kūlana Kūʻai kūʻai Kūʻai
Ma hope o ka noʻonoʻo nuiʻana, ua hoʻoholoʻo Judi i kona manaʻo a makemake e hoʻolimalima i kona mau makahiki e kūʻai aku i nā'āpana o The Coca-Cola Company a hoʻopaʻaʻia iā lākou me ka ukuʻoleʻia ma o Roth IRA. ʻAʻole makemakeʻo ia e hoʻokomo i nā kālā'ē aʻe a me nā'āpana likeʻole, no laila ua kākauʻo ia no ka papa kūʻai kūʻai kumu kūʻai, a he koho koho Roth IRA. Ma hope o ka hoʻopauʻana i ka noi, e wehe ana i ka hōʻike, a hoʻonohonoho i kahi loulou i waena o kāna waihona helu me Roth IRA, hiki i ka mea hoʻoholo hoʻohālike ka mea inu e hoʻomaka ana e hoʻolimalima i nā minuke manawa mai kona waihona kālā e kūʻai i nā kuleana likeʻole o Coca-Cola. ʻo ka mea maʻamau ma lalo o $ 2 ma ka pāʻani. ʻAʻole loaʻo ia e uku i kekahiʻauhau ma kona mau'āpana Coca Cola no ka mālamaʻia o ka waiwai ma Roth IRA.
Hoʻomakaʻana i kahi IRA I ke komoʻana i kahi mana ukali
Malia paha i koho nui loa,ʻo ia ka weheʻana i kahi Roth IRA me kahi mea hoʻoili kūʻai e like me Charles Schwab, E-Trade, aiʻole TD Ameritrade. Ke hana neiʻo ia e like me ka weheʻana i ka waihona ukali maʻamau. Me nā kuhiʻuʻuku, hiki iāʻoe ke kūʻai aku i kahi waiwai āu e makemake ai, a me ka pūnaeke āu e makemake ai, kahi kālā āu e makemake ai, a me kekahi kālā kālepa i makemake ai, pinepine no ka hoʻonohonoho pono ma lalo o $ 10 ma ke kālepa. Hiki iāʻoe ke loaʻa i kahi Roth IRA ma Schwab e mālama nei i nā kālāʻo Vanguard, nā kuleana o General Electric, a me kekahi mau palapala hōʻailona i hāʻawiʻia e kahi'ake ma kou moku'āina. Ma waho aʻe o ka leʻaleʻa o ka loaʻaʻana o kāu mauʻike a pau ma kahi helu pilikino hoʻokahi, e hoʻonui ka poʻe brokers i kāu mau'āpana no ka mea noa.