Iindaba ze-Mortgage

Yintoni i-IRA?

I-IRA yi-akhawunti esekwe kwiziko lezemali elivumela umntu ukuba alondolozele umhlalaphantsi ngokukhula okungahlawulelwayo kwerhafu okanye ngokurhoxiswa kwerhafu.

Iindidi ze-IRAs

Kukho iintlobo ezi-3 eziphambili ze-IRAs nganye ineengenelo ezahlukeneyo:

A. Traditional IRA - Wenza iminikelo ngemali onokukwazi ukuyitsala kwimbuyekezo yakho yerhafu, kwaye nayiphi na ingeniso inokukhuliswa irhafu erhoxisiweyo de uyirhoxise kumhlalaphantsi.
B. Roth IRA - Wenza iminikelo ngemali osele uyihlawule irhafu (emva kwerhafu), kwaye imali yakho inokukhula ngaphandle kwerhafu, kunye nokutsalwa kwerhafu ngaphandle komhlalaphantsi, ngaphandle kokuba iimeko ezithile zihlangatyeziwe.
C. Rollover IRA - Unikela ngemali "eqengqelekisiweyo" ukusuka kwisicwangciso somhlalaphantsi esifanelekileyo kule IRA yemveli.Ii-rollovers ziquka ukuhambisa iimpahla ezifanelekileyo kwisicwangciso esixhaswe ngumqeshi, njenge-401 (k) okanye 403 (b), kwi-IRA.


Ixesha lokuposa: Jan-21-2022