Te explicamos uno de los planes de ahorro para la jubilación más populares: la cuenta IRA. Conoce sus ventajas y desventajas, y prepara tus finanzas para hacer crecer tu dinero y tener un retiro tranquilo. Sigue las últimas noticias en Univision.
Noticias Univision
Suscríbete:
Infórmate:
#UnivisionNoticias
Sigue a Noticias Univision en:
Facebook:
Twitter:
Instagram:
Univision Noticias es el lugar donde encontrarás la información más relevante para la comunidad hispana en Estados Unidos, América Latina y el resto del mundo.
Listas de reproducción de interés
Edición Digital en vivo
Univision Noticias 2023
Edición Digital 2023
En vivo, lo que está sucediendo
…(read more)
LEARN MORE ABOUT: IRA Accounts
CONVERTING IRA TO GOLD: Gold IRA Account
CONVERTING IRA TO SILVER: Silver IRA Account
REVEALED: Best Gold Backed IRA
What you need to know about IRA accounts for your retirement
IRA accounts, or Individual Retirement Accounts, are a popular way for individuals to save for their retirement. These accounts offer tax advantages and can help individuals build a nest egg for their golden years. If you are considering opening an IRA account, here are some important things you need to know.
There are two main types of IRA accounts: traditional and Roth. With a traditional IRA, you contribute money on a pre-tax basis, meaning that you can deduct your contributions from your taxable income. The money in the account grows tax-deferred, and you only pay taxes when you withdraw the funds in retirement. On the other hand, Roth IRA contributions are made with post-tax dollars, and withdrawals in retirement are tax-free.
There are annual contribution limits for IRA accounts, which are set by the government. For 2021, the maximum contribution limit is $6,000 for individuals under the age of 50, and $7,000 for those 50 and older. It’s important to note that these limits can change from year to year, so it’s essential to stay updated on the current regulations.
One of the key benefits of IRA accounts is the ability to invest in a wide range of assets, including stocks, bonds, mutual funds, and ETFs. This allows individuals to build a diversified portfolio that can help maximize their returns and minimize risk. However, it’s essential to keep in mind that all investments carry some level of risk, and it’s important to carefully consider your risk tolerance and investment goals when choosing assets for your IRA account.
Another important thing to consider is the penalties for early withdrawals from IRA accounts. With a traditional IRA, if you withdraw funds before the age of 59 ½, you may have to pay a 10% penalty in addition to income taxes on the withdrawn amount. With a Roth IRA, you can withdraw your contributions at any time without paying taxes or penalties, but early withdrawals of earnings may be subject to taxes and penalties.
In conclusion, IRA accounts can be a valuable tool for saving for retirement. They offer tax advantages, investment flexibility, and the potential to build a substantial nest egg. However, it’s essential to understand the rules and regulations surrounding IRA accounts and to carefully consider your investment options. By doing so, you can make the most of your IRA and set yourself up for a comfortable retirement.
0 Comments