¿Sabías que las amas de casa también pueden invertir para la jubilación?

¡Sí!

La respuesta: una IRA conyugal (“Spousal IRA” en inglés).

Con una IRA conyugal, el cónyuge que trabaja financia el IRA de su cónyuge que no trabaja (el género del cónyuge no importa, pero me facilita la explicación del concepto en este caso).

El IRA conyugal se puede configurar como una IRA Roth o una IRA tradicional.

En este vídeo exploramos la opción Roth IRA.

Las ventajas de el Spousal IRA en forma Roth IRA:
1️⃣ Mayores ahorros fiscales: Paga impuestos SOLAMENTE sobre las contribuciones al IRA Roth, pero al jubilarte, no pagaras impuestos sobre los dividendos, intereses, o ganancias de capital.

2️⃣ Crea una red de seguridad de jubilación para el cónyuge que no trabaja.

3️⃣ Las contribuciones se pueden retirar en cualquier momento – sin impuestos, ni penalizaciones.

👉🏽 Si estás lista para invertir en el la bolsa de valores y reducir tu factura de impuestos con un entrenamiento de finanzas personales personalizado:

👉🏽👉🏽 Consulta mi oferta de coaching 1-a-1 en www.OurWealthMatters.com/coaching
(enlace en bio)

Sal y próspera mis reina, rey, y soberano financiero 💛
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LEARN MORE ABOUT: IRA Accounts

CONVERTING IRA TO GOLD: Gold IRA Account

CONVERTING IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

IRA de cónyuge, also known as Spousal IRA, is a retirement savings option available to married couples in the United States. It allows a non-working or low-earning spouse to contribute to an Individual retirement account (IRA) even if they do not have earned income. This financial tool offers tax advantages and can be an effective way for couples to save for retirement.

The concept behind Spousal IRA is to encourage stay-at-home parents or individuals with little income to save for their retirement. If one spouse works and earns income, they can contribute to their own IRA as well as contribute on behalf of their non-working spouse. This allows the non-working spouse to build retirement savings and accumulate wealth over time.

Unlike traditional IRAs or Roth IRAs, where individuals need to have earned income to contribute, the IRS allows married couples to contribute to Spousal IRAs as long as one spouse has earned income. The working spouse can contribute up to the annual contribution limit on behalf of their non-working spouse, provided they file a joint tax return.

The maximum annual contribution limit for Spousal IRAs is the same as traditional and Roth IRAs. As of 2021, the limit is $6,000 for individuals below the age of 50 and $7,000 for individuals aged 50 and above (including catch-up contributions). However, it’s important to note that the combined contributions to both the working spouse’s IRA and the Spousal IRA must not exceed the annual limit.

Spousal IRAs offer the same tax advantages as other IRAs. Contributions made to a traditional Spousal IRA may be tax-deductible, reducing the couple’s taxable income for the year. The funds grow tax-deferred until withdrawals are made during retirement when they are taxed as ordinary income.

On the other hand, contributions to a Roth Spousal IRA are made with after-tax dollars, meaning they are not tax-deductible. However, the earnings on these contributions grow tax-free, and qualified withdrawals during retirement are entirely tax-free as well. Choosing between a traditional or Roth Spousal IRA depends on various factors, such as the couple’s current tax bracket, future tax projections, and personal financial goals.

Additionally, Spousal IRAs have the same distribution rules as other IRAs. Withdrawals before the age of 59 ½ may be subject to a 10% early withdrawal penalty, unless an exception applies. Required minimum distributions (RMDs) must begin by April 1st of the year following the year in which the account holder turns 72, for both traditional and Roth Spousal IRAs.

In conclusion, the Spousal IRA is a valuable tool that allows non-working or low-earning spouses to save for retirement. It provides a means for couples to build wealth and secure their financial future. By taking advantage of the tax benefits and contribution limits, couples can enjoy the peace of mind that comes with knowing they have planned for a comfortable retirement. It is recommended to consult with a financial advisor or tax professional to determine which type of Spousal IRA is best suited for your specific circumstances.