【IRA综合指南】不同类型的IRA有何差别?哪一种能获得更高回报并享受更多税务优惠?

by | Jul 29, 2023 | Spousal IRA | 16 comments

【IRA综合指南】不同类型的IRA有何差别?哪一种能获得更高回报并享受更多税务优惠?




报税季到了,大家免不了被会计师催着开Traditional IRA,或者往里面存放金额。但是Traditional IRA是否真的那么合算呢?这就要看小伙伴们自己的取舍了!

菌菌将分享不同种类的IRA哪种赚的更多?省税更多?

内容包括:
1. IRA是什么?
2. 开它的意义是什么?
3. 谁可以开IRA?
4. IRA有什么限制?
存放限制、取出限制、IRA罚金、Roth 5-Year Rule
5. IRA的种类和区别?
6. 推荐用哪种IRA?
7. 4个做Roth的好处
8. 收入太高还能做Roth IRA吗?

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【Complete Guide to IRAs】Types of IRAs? Which One Yields Greater Returns? Offers More Tax Benefits?

Individual Retirement Accounts (IRAs) are a popular investment vehicle that offers tax advantages for individuals looking to build their retirement savings. With a variety of IRAs available, it can be overwhelming to decide which one is the best fit for you. In this article, we will explore the different types of IRAs and compare their potential for higher returns and tax savings.

1. Traditional IRA:
The Traditional IRA allows individuals to make contributions with pre-tax dollars, which means you can deduct your contributions from your taxable income in the year they are made. The earnings in a Traditional IRA grow tax-deferred until you withdraw the funds during retirement. Withdrawals from the account are then taxed as ordinary income. This IRA is ideal if you expect to be in a lower tax bracket during retirement than you are currently.

2. Roth IRA:
A Roth IRA is different from a Traditional IRA in that contributions are made with after-tax dollars. While you don’t get an immediate tax deduction, qualified withdrawals in retirement are tax-free. The Roth IRA allows your investments to grow tax-free over time, giving you the potential for significant tax savings in retirement. This option is particularly attractive if you anticipate being in a higher tax bracket during retirement.

See also  Traditional IRA vs Roth IRA: The Difference Between IRAs

3. SEP IRA:
A Simplified Employee Pension (SEP) IRA is primarily designed for business owners and self-employed individuals. Contributions to a SEP IRA are tax-deductible and grow tax-deferred until withdrawal. It allows you to contribute a percentage of your income, making it a useful tool for those with variable incomes or who want to maximize their contributions. Because of its higher contribution limits, the SEP IRA can be a great option for self-employed individuals looking to save more for retirement.

4. SIMPLE IRA:
The Savings Incentive Match Plan for Employees (SIMPLE) IRA is typically offered by smaller companies. It works similarly to a Traditional IRA, allowing pre-tax contributions and tax-deferred growth. However, contributions made by both the employee and the employer are required. Employers must either match employee contributions dollar for dollar or contribute a fixed percentage of employees’ salaries. The SIMPLE IRA is an excellent choice for both employers and employees, offering simplicity and flexibility in contribution levels.

So, which IRA yields greater returns and offers more tax advantages? The answer depends on several factors, such as your current and future tax brackets, investment horizon, and retirement goals. Both the Traditional and Roth IRAs provide tax benefits, but the choice between them relies on your preference for immediate tax benefits or tax-free withdrawals during retirement.

If you are self-employed or a small business owner, the SEP IRA or SIMPLE IRA can be attractive due to their higher contribution limits and potential tax deductions. However, it’s crucial to consult a financial advisor or tax professional to determine the most suitable IRA type for your individual circumstances.

See also  Roth IRA Beneficiaries

Remember, the key to maximizing your IRA’s potential is consistent contributions, prudent investment decisions, and starting early. Regardless of the type of IRA you choose, making regular contributions to your retirement account is the surest way to build a healthy nest egg for your future.

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16 Comments

  1. Tse Oliver

    如果我只放錢進IRA account 不作投資能不能省稅?
    如果我多放了錢進去 能不能拿出來? 會計師叫我開IRA $1000 但我儲了2000 拿回1千會不會要交稅?

  2. Will Lin

    谢谢,做的很简单明了。但是我有2个问题。

    增值具体是怎么增值,利率是怎么决定的? 30年后有80万的增值怎么算出来?存的越久越多吗?

    如果存了15年身体不好要过世了,存的是Roth ira,那可以转给家人 或者全部取出来吗?

    Roth ira 是60.5就可以取出增长部分吗?可以一次性全部取出来吗?

  3. Purplefire紫焱

    您好君君,我上次请教您的关于我没有收入开了退休IRA的问题,我今天打算把钱取出,但发现取出时需要选择:1.未到期分配/年龄未满59.5周岁 2.残疾 3.超额存款取出(报税截止日之前)4.超额存款取出(报税截止日之后),可我都不是这几种情况啊,我该怎么办?如何做选择才能把钱取出啊?请指教,谢谢!

  4. Sungwa Yu

    想问下本金是什么意思,是放了在里面没买基金的现金吗?正买了基金的钱都算现金?

  5. fungoal

    已沒有70.5歲存款的限制了

  6. Purplefire紫焱

    请问君君,我已经开了Trandtion IRA了,请问,还能开Roth IRA吗?谢谢!

  7. mack y

    Roth IRA开户需要在哪个月份去开有限制吗.还有开户好后报税时要申报吗还是每年报税时都要申报吗?请教大师能回复下谢谢

  8. Yue Li

    快快快更新!!!你的视频真的是太有帮助了~!!!我真希望你的公众账号继续更新~

  9. Andy

    期待你以后讲backdoor roth的视频

  10. L. Z

    视频说的很通俗易懂!谢谢! 订阅了! 还有:怎样diy backdoor roth呢? 希望更多讲解!

  11. Siyue Lena Wang

    你也没推荐选择哪种ira啊?哪家公司等了半天也没说

  12. Susan Ba

    干货满满!太及时了,正在报税

  13. M Voyage旅遊分享

    so Roth Ira 取出本金不需等5 year?隨時可取出?

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