2023年10月17日(4分钟
If you’re thinking about retirement, congratulations! That’s the first step toward financial security in your older years. While your unique circumstances should determine how you invest your money, an Individual Retirement Account (爱尔兰共和军) may be a smart choice for your future.
A variety of ira are available for retirement planning—each with its own advantages for investors. From 传统的 to 罗斯 to Rollover accounts, here are the different types of ira to help you decide which option is right for you.
An 爱尔兰共和军 is an Individual Retirement Account. It’s an account set up at a financial institution that allows an individual person to save for retirement with either tax-deferred or tax-free growth.1
There are two main types of ira: 传统ira 和 罗斯 ira, each has its own distinct advantages. To find out which account is right for you, check out the chart below.
You can 为个人退休帐户提供资金 with annual contributions, transfer monies from another institution or “rollover” funds.
While your unique circumstances should determine how you invest your money, an 爱尔兰共和军 may be a smart choice for your future.”
You’ll have to a pay a penalty — 10% of your withdrawal — for early withdrawal from your 爱尔兰共和军. You may also owe income tax in addition to the penalty.
You can withdraw contributions early (but not earnings) from a 罗斯爱尔兰共和军 without being subject to income tax or the penalty.
A 翻转爱尔兰共和军 is an account that allows for the transfer of assets (directly or indirectly) from another plan such as a 401k, 403b, or 457.
一旦你开了个人退休账户, you can choose to include a variety of investments such as CDs, 股票, 债券, 共同基金, 和更多的. The money you invest into your accounts today can lead to more money when you need it in retirement.
Certain IRS rules govern who can contribute to an 爱尔兰共和军, so before opening one make sure you’re eligible. We also recommend that you talk to your tax advisor or one of our CFS财务顾问2.
| 传统的爱尔兰共和军 | 罗斯爱尔兰共和军 | |
|---|---|---|
| 贡献 1 | 贡献 may be tax deductible | 贡献 not tax deductible |
| Limit $6,500 or 100% of earned income if less | Limit $6,500 or 100% of earned income if less | |
| Catch-up $1,000 when 50 or older | Catch-up $1,000 when 50 or older | |
| 税前贡献 | 税后贡献 | |
| 取款 1 | Taxes deferred until withdrawal | 免税的分布 |
| 10% IRS Penalty if under age 59 ½ | 利息也要交税 & penalty free when account has been opened for 5 years 和 owner is age 59 ½ or older | |
| 资格 | Members of any age with earned income during contributing year | Members of any age with earned income during contributing year |
| 收入限制 | 没有一个 | 是的 |
| 罗斯 has contribution limits 和 restrictions if Modified Adjusted Gross Income (MAGI) is above certain thresholds | ||
| 分布 | Required Minimum 分布 (RMD) at age 73 | 不需要RMD |
| 如果不接受罚款25% |
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1 Neither Patelco nor CUSO Financial Services, L.P. (“CFS”) provides tax or legal advice. For such guidance, please consult a tax 和/or legal advisor.
2 Non-deposit investment products 和 services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member 美国金融业监管局/SIPC) 和 SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, 和 may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products 和 services available to credit union members.
Financial Advisors are registered to conduct securities business 和 licensed to conduct insurance business in limited states. 应对, 或与…接触, residents of other states will be made only upon compliance with applicable licensing 和 registration requirements. The information in this website is for U.S. residents only 和 does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
