Yintoni i-IRA?
I-IRA yi-akhawunti esekwe kwiziko lezemali elivumela umntu ukuba alondolozele umhlalaphantsi kunye nokukhula 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 isenokuthi ikhule ingahlawuli rhafu, kunye nokutsalwa ngaphandle kwerhafu kumhlalaphantsi, ngaphandle kokuba iimeko ezithile zihlangatyeziwe.
C. Rollover IRA - Unikela ngemali "eqengqiwe" 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