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En Roth IRA er en populær måte å spare for pensjonering. Dens mange skattefordeler gjør det til et ønskelig kjøretøy for å spare og investere penger. Imidlertid er Roth IRAs styrt av mange IRS regler og forskrifter som fastsetter hvordan og når penger kan investeres. Likevel er det måter å maksimere bidragene dine på.

Roth IRA Grunnleggende

En Roth IRA-konto er en skattefordelt pensjonskonto. Alle penger investert i en Roth IRA vokser skatt-utsatt. Dermed må ingen skatt betales på gevinst eller utbytte så lenge midlene forblir i Roth IRA. Utbetalinger fra en Roth IRA er skattefrie ved pensjonering, men uttak som overstiger bidragsbeløp som er foretatt før kontoinnehaveren blir alder 59 1/2 og planen har vært i kraft i minst fem skatteår, vil bli beskattet som vanlig inntekt og kan bli gjenstand for ytterligere 10 prosent skattestraff.

Roth IRA Annual Contribution Limit

Det maksimale tillatte årlige bidraget til en Roth IRA i 2011 er $ 5000. Imidlertid kan Roth IRA kontoinnehavere som er 50 år eller eldre, bidra til et ekstra $ 1000 innhente bidrag, for et totalt årlig bidrag på $ 6000. Dette er et samlet årlig bidrag for alle IRA. Så, hvis du har en Roth IRA og en tradisjonell IRA eller to Roth IRA, kan ditt samlede bidrag til alle planer ikke overstige det årlige maksimale bidraget.

Roth IRA Inntektsbegrensninger

Bidrag til en Roth IRA er begrenset for høyinntekt skattebetalere. Fra utgivelsestidspunktet er det ikke tillatt å gi årlige bidrag for personer som er gift innlevering sammen med inntekt på over 179 000 dollar. Det maksimale bidraget faser ut for de som tjener over $ 169,000. For folk som skriver som single, starter utfasningen på $ 107 000 med tillatte bidrag som faller til null på over $ 122 000.

Retroaktive Roth IRA Bidrag

Roth IRA bidrag gjort før den årlige skattefristen, vanligvis 15. april, kan betegnes som tidligere års bidrag. For eksempel kan et Roth IRA-bidrag gjort 1. april 2011 betraktes som et bidrag fra 2010. Imidlertid kan ingen bidrag gjøres i år tidligere enn forrige skatteår. Inntektsbegrensningene gjelder basert på året for hvilket bidraget skal utpekes. For eksempel, hvis inntekten din var over grensen i 2010, må du overholde innskuddsgrensene for 2010, selv om du faktisk gir bidrag i 2011.

FAQ - 💬

❓ Can RMD be converted to Roth?

👉 If you don't need your required minimum distributions (RMDs) from your traditional IRA for living expenses, it can be reinvested in a Roth IRA? Yes—assuming that you are eligible for a Roth based on your income.

❓ What is better a 401k or a Roth IRA?

👉 The Bottom Line. In many cases, a Roth IRA can be a better choice than a 401(k) retirement plan, as it offers more investment options and greater tax benefits. It may be especially useful if you think you'll be in a higher tax bracket later on.

❓ What is the income limit for Roth IRA contributions in 2022?

👉 If you file taxes as a single person, your Modified Adjusted Gross Income (MAGI) must be under $140,000 for the tax year 2021 and under $144,000 for the tax year 2022 to contribute to a Roth IRA, and if you're married and file jointly, your MAGI must be under $208,000 for the tax year 2021 and 214,000 for the tax year ...

❓ At what age can you withdraw from a Roth IRA?

👉 age 59½Withdrawals must be taken after age 59½. Withdrawals must be taken after a five-year holding period. There are exceptions to the early withdrawal penalty, such as a first-time home purchase, college expenses, and birth or adoption expenses.

❓ How do I avoid paying tax on my RMD?

👉 Avoid Taxes on RMDs by Working Longer One of the simplest ways to defer RMDs and the taxes on those withdrawals is to continue working. If you're still working at age 72 or beyond and contributing to an employer's 401(k), the IRS allows you to delay taking RMDs from those accounts.

❓ What can you do with a RMD you don't need?

👉 What to Do if You Don't Need Your RMD

  1. You can make qualified charitable distributions to replace up to $100,000 of your RMD.
  2. You can invest the money you take as an RMD in an ordinary brokerage account.
  3. You can use your RMD money to help pay the taxes on your Roth IRA conversion.

❓ What is the downside of a Roth IRA?

👉 One key disadvantage: Roth IRA contributions are made with after-tax money, meaning that there's no tax deduction in the year of the contribution. Another drawback is that withdrawals of account earnings must not be made until at least five years have passed since the first contribution.

❓ How much should I contribute to my Roth IRA?

👉 $6,000Most people can contribute up to $6,000 to a Roth IRA in 2022. If you are age 50 or older, the limit is $7,000 using $1,000 in catch-up contributions. There are also contribution limits based on your household income and filing status. If your earned income is too high, you cannot contribute at all.

❓ Do I have to report my Roth IRA on my tax return?

👉 A Roth IRA differs from a traditional IRA in several ways. Contributions to a Roth IRA aren't deductible (and you don't report the contributions on your tax return), but qualified distributions or distributions that are a return of contributions aren't subject to tax.

❓ How much should I put in my Roth IRA monthly?

👉 Because the maximum annual contribution amount for a Roth IRA is $6,000, following a dollar-cost-averaging approach means you would therefore contribute $500 a month to your IRA. If you're 50 or older, your $7,000 limit translates to $583 a month.

❓ Does RMD affect Social Security?

👉 RMDs are taxed as income, so a large withdrawal could vault you into a higher tax bracket. In addition, more of your Social Security benefits could be taxed, you could lose out on certain deductions and credits tied to your modified adjusted gross income, and you could pay higher premiums for Medicare parts B and D.


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