个人退休帐户(ira)

对很多人来说, an individual retirement account (IRA) is the best tool available to prepare for financial needs later in life. An IRA is an account that allows you to save for retirement while enjoying substantial tax advantages. ira allow you to choose from a full array of investment 选项, 包括股票, 债券, 选项, 交易所交易基金, 共同基金.

People are living longer in retirement than they used to, medical expenses are rising faster than the rate of inflation, and long-term elder care in particular has become a heavy financial burden for many families. Rollins Financial Advisors can help you and your family plan for a seamless transition, 在财务上心安理得, 退休.

The traditional IRA was made available to American workers by congress in 1975. Fewer employers were offering retirement 选项 such as pensions and social security, 而对许多老年人大有裨益, really only provides enough income to hedge against extreme poverty in retirement. The 罗斯IRA was created by the Taxpayer Relief Act of 1997, providing more flexibility to families.

ira are a great way to supplement the income generated from Social Security and any employer-sponsored retirement plan you have. They are easy to establish and the many financial products available within ira offer participants a great deal of flexibility.

There are different kinds of ira—traditional, 罗斯, 简易雇员退休金(SEP), and Inherited—each offering its own unique advantages. Rollins Financial Advisors’ tax and investment experts will walk you through the ins and outs of each, and help you choose the account that’s best suited to your income, 退休的目标, 个人需求.

传统的爱尔兰共和军

In a traditional IRA, taxes on contributions are deferred until you actually withdraw your money. Since most retirees withdraw IRA funds in lower tax brackets than they would have while working, this can amount to significant tax savings. Taxpayers may deduct contributions to a traditional IRA if they meet certain conditions. If either the taxpayer or spouse was covered by a work-provided retirement plan during the tax year in question, 扣除额可以减少, 逐步淘汰, 或取消, 取决于申报状态和收入.

传统的爱尔兰共和军s offer you a great deal of investment flexibility. They typically allow users to choose any investment option that is available in a standard investment account, 包括普通股或优先股, 债券, 共同基金, 存单(cd), 及交易所交易基金(etf).

2019纳税年度, you many contribute up to $6000 annually into a traditional or a 罗斯IRA, 如果你的年龄超过50岁，你可以得到7000美元. Anyone with earned income may continue making contributions until the age of 70 1/2. Withdrawals prior to the age of 59 1/2 are penalized, so there is a built-in financial incentive to preserve your IRA funds until retirement. 资本利得税, 感兴趣, 股息是递延的, which makes ira more tax efficient than an after-tax account. You pay no taxes until funds are withdrawn.

罗斯IRA

A 罗斯IRA is an investment vehicle that allows you to put after-tax income into an investment account and grow that money through investing over time without ever having to pay income tax on the compounding profits you make in the account. 罗斯ira eliminate any uncertainty about income tax rates upon dispersal. Provided you wait until age 59 ½ you will not have to pay any taxes. This can add up to decades of tax-exempt compounded returns.

Because 罗斯ira are funded with post-tax dollars, they have a higher effective contribution limit than other ira. Principal, or direct contributions to a 罗斯IRA can be withdrawn without penalty at any time. Earnings can be withdrawn without penalty provided the funds have been invested for five years and the account holder is at least 59 ½.

罗斯ira offer a distinct estate planning advantage over all other tax-deferred retirement plans. They do not require distributions based on age. 如果罗斯账户持有人不需要钱, they can leave the account intact past the age of 70 ½ and continue accruing tax-free income. 罗斯个人退休账户是可以遗赠的, 充分的资金, 为受益人, who are then subject to normal distribution rules.

简化雇员退休金(SEP) IRA

A SEP IRA can be utilized by self-employed individuals or small business owners as a means of providing retirement benefits for themselves and their employees. Funds in a SEP IRA can be invested in the same wide array of financial products that are typically available in ira. If a SEP is being used to provide retirement benefits for employees, all those employees must receive the same benefits.

For tax purposes, SEP ira function like traditional ira. Withdrawals after the age of 59 ½ are taxed at ordinary income tax rates, and SEP contributions for an individual or a small business owner are tax deductible, lowering tax liability by the full amount of the contributions for the year.