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Nkhani za Mortgage

Kodi IRA ndi chiyani?

IRA ndi akaunti yomwe imakhazikitsidwa ku bungwe lazachuma lomwe limalola munthu kusunga ndalama kuti apume pantchito ndi kukula kosakhoma msonkho kapena kubweza msonkho.

Mitundu ya IRAs

Pali mitundu itatu yayikulu ya ma IRA iliyonse ili ndi zabwino zosiyanasiyana:

A. Traditional IRA - Mumapanga zopereka ndi ndalama zomwe mungathe kuchotsera pa msonkho wanu wa msonkho, ndipo phindu lililonse likhoza kukulitsa misonkho mpaka mutazichotsa mukapuma pantchito.
B. Roth IRA - Mumapereka zopereka ndi ndalama zomwe mudalipira kale misonkho pa (pambuyo pa msonkho), ndipo ndalama zanu zikhoza kukula popanda msonkho, ndi kuchotsa msonkho kwaulere mukapuma pantchito, malinga ngati zinthu zina zakwaniritsidwa.
C. Rollover IRA - Mumapereka ndalama "zopirikitsidwa" kuchokera ku ndondomeko yopuma pantchito yoyenerera mu IRA yachikhalidwe iyi.Ma Rollovers amaphatikizapo kusuntha katundu woyenera kuchokera ku dongosolo lothandizidwa ndi abwana, monga 401 (k) kapena 403 (b), kupita ku IRA.


Nthawi yotumiza: Jan-21-2022