E hoʻohui i nāʻano maikaʻi o kahi 401 (k) a me kahi Roth IRA me kahi Roth 401 (k)
Inā loaʻa iāʻoe kahi koho Roth 401 (k) ma ka hana, he mea nui e hoʻomaopopo i ka pehea a me ke wā e hoʻohana ai. Ināʻaʻoleʻoe he koho Roth 401 (k) ma ka hana, he kūpono kūpono ka hoʻomaopopoʻana i kahi mea āu e makemake ai eʻike i kāuʻike kōkua eʻike nei ua nele.
Peheaʻo Roth 401 (k) Hana
E like me nā makana i kahi Roth IRA,ʻo nā haʻawina i kahi Roth 401 (k)ʻaʻole e hiki ke unuhiʻia. Pono, hoʻohanaʻoe i nā kālā kālā ma hope o kaʻauhau kālā e uku ai i kāu haʻawina. Eia naʻe, i ka manawa i hāʻawiʻia aku ai ke kālā iāʻoe i ka manawa o ka hoʻomahaʻana, hikiʻole keʻauhauʻia ka helu a pau. ( IRA a me 401 (k) ma kekahiʻaoʻao, uaʻauhauʻia kaʻauhau ,ʻo ia hoʻi, e uku nuiʻoe i nāʻauhau ma kāu māhele i ka manawa o ka hoʻomahaʻana).
ʻAʻohe Palena Kuhi
ʻO ka hāʻawiʻana i kahi haʻawina i kahi ROT IRA wale nō keʻaeʻia inā loaʻa kāu kālā ma lalo o kekahi mau palena . ʻAʻole nā palena e pili ana i kahi plan Roth 401 (k), akā. ʻO kēia ka hanaʻana i ka Roth 401 (k) e noi ana i nā mea iʻole e kūpono no kēia koho hoʻopakele no ka hoʻomahaʻana no ka ukuʻole o ka loaʻa kālā.
Nā palena palena kiʻekiʻe
ʻO nā haʻawina IRA i koiʻia he $ 5,500 (2016) aiʻole $ 6,500 (2016, inā he 50 aʻoi aʻe paha). Akā,ʻo Roth 401 (k) nā haʻawina hiki ke lilo iʻoi aku he $ 18,000 (2016) aiʻole $ 24,000 (2016, inā he 50 aʻoi paha).
Eʻike naʻe, akā,ʻo kēia mau palena ka mea iʻaeʻia no nā hāʻawi kālā 401 (k). No laila, inā he 45 makahikiʻoe, kohoʻoe e hāʻawi i $ 12,000 i 401 (k) i kēlā me kēia 2016,ʻo ka nui āu e hiki ke kōkua i kahi Roth 401 (k) he $ 6,000. Hāʻawiʻia nā haʻawina i nā manawa 401 (k) a me kahi Roth 401 (k) e like me ka lōʻihi o ka nui o kāu kālā i kau likeʻole ma mua o ka palena makahiki. Akā, hiki iāʻoe ke hana i kahi'āpana kālā ROT i ka wā āu i hōʻea ai i ka palena manawa hoʻohālike no ka papahana 401 (k).
401 (k) Nā palena hoʻokūkū no ka 2016
Nā palena palenaʻo IRA no 2016
Nā haʻawina kōkua i ka hana
Loaʻa iāʻoe ināʻaʻoleʻoe i loaʻa i kahi hana hoʻoili likeʻole mai kāu pūʻulu mai i kāu mea hana. Inā loaʻa iāʻoe hoʻokahi, hanaʻia i mua o kaʻauhau a ke kaʻawaleʻia nei mai kāu Roth 401 (k).
Roth 401 (k) vs. Regular 401 (k)
Ke koho nei i ke kumumanaʻo e komo i ka hana, inā he mea paʻakikī ka mea nāna i hāʻawi iāʻoe i nā kohoʻelua. ʻOiai ka nui o nā mea likeʻole e noʻonoʻo ai,ʻo ka mea nui loa,ʻo ia ka hōʻai'ēʻauhau kālā e manaʻoʻia nei i ka hoʻomahaʻana ma ka hoʻohālikeʻana i ka nui o kaʻauhauʻauhau kālā o kēia manawa. ʻO ka nui aʻe o kou manaʻo e piʻi aku ka nui o kaʻauhauʻauhau kālā e hiki mai ana,ʻo Roth ka maikaʻi loa. No laila, hiki i ka poʻe'ōpio ke kūpono i kaʻauhau kālā i kēia mau lā, pono e noʻonoʻo pono i kahi Roth 401 (k).
Hiki iāʻoe ke holo i kekahi mau hiʻohiʻona manaʻo manaʻo e hoʻohālikelike i ka likeʻole ma waena o 401 (k) a me Roth 401 (k) me ka hoʻohanaʻana i nā helu helu hoʻohālike.
ʻO Roth 401 (k)ʻo ia ka hoʻoholoʻana o nā hui
ʻAʻole nāʻahahui a pau i kahi papahana 401 (k) aʻaʻole i kēlā me kēia hui me kahi papahana 401 (k) i koho e hoʻohui i kahi papahana Roth 401 (k). Ināʻaʻoleʻoe eʻike i ka koho i heluʻia ma kāu penehana kōkua, e noi i kāu hōʻailona kōkua. Inā loaʻa nā noi a kou luna, hiki i ka hui ke hoʻokomo.