An individual retirement account to which you contribute after-tax dollars. 只要你遵守贡献准则, the principal amount is never subject to future taxes or penalties.
罗斯个人退休账户(罗斯爱尔兰共和军)的缴款会增加递延税.2 If you do not withdraw any of the earnings until you have had the 罗斯爱尔兰共和军 for at least five years and have a qualifying event, 这些递延所得税的收益是免税的. That means any penny you withdraw in retirement, stays in your pocket.
You may make tax-free and penalty-free withdrawals from your 罗斯爱尔兰共和军 if you satisfy two conditions. First, your 罗斯爱尔兰共和军 must have been open for a minimum of five years. Second, the withdrawal must be made because of the occurrence of one of the following events:
分布 that meet the above requirements are referred to as “qualified distributions.” While you may take distributions from your 罗斯爱尔兰共和军 at any time, distributions which are not qualified distributions may be subject to taxes (and in some cases early distribution penalties) to the extent they exceed your aggregate contributions to 罗斯爱尔兰共和军s.
Money grows tax free and you can withdraw tax free after age 59½
只要您活着，就没有要求的最低发行版
You can put money in your account as long as you have earned income that qualifies
受益人可获得免税提款
和朋友交谈 CFS财务顾问 可通过CUSO金融服务, L.P. (“CFS”)，了解您的选择3
Choosing deposit products offers a guaranteed return on principal, Federally insured up to $250,000
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
Most people should consider having a 罗斯爱尔兰共和军 as part of their overall retirement plan because it offers federal tax-free growth potential and withdrawals. That can potentially help minimize taxes and maximize retirement savings
如果你在纳税年度结束前年满50岁, you may be eligible to contribute an additional catch-up contribution to your 罗斯爱尔兰共和军.
A 罗斯爱尔兰共和军 is best suited for an individual who expects to be in a higher tax bracket when he or she starts taking withdrawals
它们之间的主要区别在于你什么时候纳税.
罗斯个人退休账户不需要延税, which means you owe taxes when you contribute the money to the account. But that means you won’t have to worry about paying them later and your contribution can grow tax-free. Withdrawals of contributions and earnings are tax-free if your account has been open at least five years, 你至少59岁半了.
传统的爱尔兰共和军是递延纳税的. 这意味着你可以在缴税前把钱投进去, and you don’t owe taxes on those contributions or your earnings until you withdraw the money. It’s likely that you will be earning less when you begin to withdraw from your 爱尔兰共和军, which means that you may end up being in a lower tax bracket and paying less overall in taxes.
A 罗斯爱尔兰共和军 conversion is when you take savings from a Traditional, SEP或SIMPLE 爱尔兰共和军, 或合资格雇主资助退休计划(QRP), 比如401(k), 然后转到罗斯个人退休账户. 一旦你转为罗斯个人退休账户，就无法撤销了.
在转换的时候, you will pay the appropriate taxes due on before-tax dollars converted; the 10% additional tax does not apply on the amount converted.
The benefits of tax-free income in retirement may justify the conversion.
Your tax advisor is always the best person to discuss your specific situation and provide guidance for your situation.
其他常见问题 可以在这里找到.
了解更多, 请观看简·克鲁格的视频, CFP, 财务顾问, CUSO金融服务, L.P. 在帕特尔科信用合作社.
All roads lead to retirement and saving for this major life event starts as soon as you’re working. With tax incentives that we get from the IRS for saving for your own retirement, it’s easy. 也更便宜, if you invest in some solid stock funds and let the global economic growth build your assets over your lifetime. As people near retirement, they almost intuitively want to move to safe and conservative investments. 我明白了, 但我总是要提醒客户，在65岁的时候, 你可能离你的长期目标还有二三十年的距离.
投资 in money market savings and CDs have never kept pace with inflation and taxes. 事实上, 每20年一次, our money’s worth about half as much or has about half of the purchasing power. Luckily, there are products that offer principal protection and potential growth from market indexes.
一个好的财务顾问可以帮助你投资, 积累, consolidate and eventually plan for the distribution of your retirement assets to you.
We’ve made it easier for you to learn more about retirement savings.
1 Amount may be subject to MAGI (Modified Adjusted Gross Income) limitations. 请向税务顾问咨询更多信息.
2 向税务顾问咨询罗斯个人退休账户的税收优势.
3 Non-deposit investment products and services are offered through CUSO金融服务, L.P. (“中心”)，注册经纪交易商(会员) 美国金融业监管局/SIPC)和美国证券交易委员会注册投资顾问. 透过中心提供的产品: 没有NCUA/NCUSIF或其他联邦保险, 难道不是信用合作社的担保或义务吗, and may involve investment risk including possible loss of principal. 投资代表须透过中心注册. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.
财务顾问s are registered to conduct securities business and 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 and registration requirements. 本网站的资料只供美国政府使用.S. 仅供居民使用，不构成要约出售, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
注册财务规划师标准委员会. 拥有CFP认证标志®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
