🚩IMPORTANTE – el contenido de este vídeo no aplica a residentes de Puerto Rico.

En este episodio contestamos preguntas frecuentes sobre las cuentas Roth IRA. Todo lo que debes saber sobre estas cuentas y lo que debes considerar antes de abrir una cuenta Roth IRA.

– Límite anual de las cuentas Roth IRA
– Fecha para hacer tu aportación a tu cuenta Roth IRA.
– ¿A quién le conviene las cuentas Roth IRA?
– ¿Cómo funcionan los impuestos en las cuentas Roth IRA?
– ¿Cuáles son las reglas generales de las cuentas Roth IRA?
– ¿Puedo sacar el dinero de mi cuenta Roth IRA?
– ¿Las cuentas Roth IRA tienen límites de ingresos?

Acompáñanos en el Taller del lunes, 5 de febrero. Separa tu espacio HOY

Tus hosts Maria y Sylka, dos cuarentonas con diferentes perspectivas de vida, te traen un episodio todas las semanas en los que te compartimos contenido sobre finanzas personales y educación financiera desde nuestro punto de vista sobre temas como presupuestos, deudas, ahorros, credito, planes de retiro del trabajo, inversiones y otros temas que afectan tu dinero y finanzas personales.

Si disfrutas nuestro contenido compranos un café o un helado

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Descargo de responsabilidad: no soy un asesor financiero. Aunque soy Contador Público Autorizado (CPA) de profesión, no soy tu contador y no se establece ninguna relación de contador-cliente con usted de ninguna manera. Este video, y las ideas presentadas en él, son solo para fines de entretenimiento y educación general y no deben interpretarse como asesoramiento financiero o legal.

#dinero #finanzaspersonales #finanzasenespañol #finanzasenpareja #finanzasenyoutube #educacionfinanciera #planesderetiro #presupuesto #ahorros #deudas #planderetiro #inversiones #riqueza #hablamosespanol #español #podcastespañol #cuentasira #rothira #roth401k…(read more)

LEARN MORE ABOUT: IRA Accounts

TRANSFER IRA TO GOLD: Gold IRA Account

TRANSFER IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

Frequently Asked Questions About Roth IRA Accounts

Roth IRA accounts are a popular investment option for many individuals looking to save for retirement. However, there are often questions and concerns about how these accounts work, who is eligible to open one, and the benefits they provide. In this article, we will address some of the most common questions about Roth IRA accounts.

1. What is a Roth IRA?

A Roth IRA is a type of retirement account that allows individuals to save and invest money for their retirement. Unlike traditional IRA accounts, contributions to a Roth IRA are made with after-tax dollars, meaning that withdrawals in retirement are generally tax-free.

2. Who is eligible to open a Roth IRA?

In order to open a Roth IRA, individuals must have earned income, such as wages or salary from a job. Additionally, there are income limits for contributing to a Roth IRA. For the 2021 tax year, individuals with a modified adjusted gross income (MAGI) of $140,000 or more (or $208,000 for couples filing jointly) are not eligible to make contributions to a Roth IRA.

3. What are the contribution limits for a Roth IRA?

For the 2021 tax year, individuals can contribute up to $6,000 to a Roth IRA, with an additional catch-up contribution of $1,000 for those aged 50 and older. It’s important to note that these limits can change from year to year, so it’s important to check for updated contribution limits.

4. Can I withdraw money from my Roth IRA before retirement?

While the primary purpose of a Roth IRA is for retirement savings, individuals can withdraw their contributions (but not earnings) at any time without incurring a penalty. Additionally, there are certain exceptions that allow for penalty-free early withdrawals, such as using funds for a first-time home purchase or certain qualifying educational expenses.

5. What investment options are available for a Roth IRA?

Roth IRAs offer a wide range of investment options, including stocks, bonds, mutual funds, and exchange-traded funds (ETFs). Individuals can choose to invest in a combination of these options based on their risk tolerance and investment goals.

6. Are there any required minimum distributions (RMDs) for a Roth IRA?

One of the key benefits of a Roth IRA is that there are no required minimum distributions during the account owner’s lifetime. This means that individuals can continue to let their investments grow tax-free for as long as they choose, without being forced to take withdrawals.

Roth IRAs can be a valuable tool for individuals looking to save for retirement in a tax-efficient manner. By understanding the eligibility requirements, contribution limits, and investment options, individuals can make informed decisions about opening and managing a Roth IRA account. If you have further questions about Roth IRAs, consult with a financial advisor or tax professional to ensure that you are making the most of this retirement savings option.