Retirement Read Time: 4 min

Traditional vs. Roth IRA

传统个人退休帐户(IRA), which were created in 1974, are owned by roughly 36.1 million U.S. households. 而作为1997年《love爱博体育app下载》(Taxpayer Relief Act)的一部分而创建的罗斯个人退休帐户(Roth ira),则有近24家公司拥有.9 million households.1

Both are IRAs. And yet, each is quite different.

Up to certain limits, 传统的个人退休帐户允许个人在他们的帐户中进行免税捐款. 来自传统个人所得税的分配按普通收入征税, and if taken before age 59½, 可能会被处以10%的联邦所得税罚款. 一般来说,一旦你到了72岁,你就必须开始接受最低分配.2,3

适用于工作中享受退休计划的个人, 2021年,收入在105美元之间的传统个人退休账户的扣除额将逐步取消,000 and $125,000 for married couples filing jointly, and between $66,000 and $76,000 for single filers.4

Piggy bank

此外,在一定范围内,个人可以用税后的钱向罗斯个人退休账户(Roth IRA)捐款. 有资格获得免税和免税的收入提现, Roth IRA的分配必须满足5年的持有要求,并且在59岁½岁之后开始.5

和传统的个人退休账户一样,罗斯个人退休账户的收入是有限制的. For 2021, 罗斯个人退休账户的捐款在198美元之间逐步减少,000 and $208,已婚夫妇共同提交离婚申请的费用为1万美元,金额在125美元之间,000 and $140,000 for single filers.6

除了贡献和分配规则, 这两种个人退休账户每年都有限额. In fact, these limits apply to any combination of IRAs; that is, workers cannot put more than $6,他们的Roth账户和传统ira账户加起来每年有5万美元. So, if a worker contributed $3,500 in a given year into a traditional IRA, 罗斯个人退休账户的捐款将被限制在2美元,500 in that same year.7

在纳税年度结束时年满50岁或以上的个人有资格获得“追补”缴款. The combined limit for these is $7,000.8

传统ira和Roth ira都可以在你的退休计划中发挥作用. 一旦你弄清楚哪种方式更适合你,剩下的只有一个任务:开户.9

Features of Traditional and Roth IRAs

 Traditional IRARoth IRA
Tax-deductible contributionsYes *No
Tax-deferred growthYesYes
Tax-free withdrawalsNo**Yes ***
Income limit for 2021 contributions调整后的总收入在105美元之间,扣除将逐步取消,000 and $125,000 (married filing jointly) or between $66,000 and $76,000 (single filer)4调整后总收入在$198之间的资格将逐步取消,000 and $208,000 (married filing jointly) or between $125,000 and $140,000 (single filer)6
Distributions required at age 72?2YesNo

* Up to certain limits

**来自传统ira的分配按普通收入征税, and if taken before age 59½, 可能会被处以10%的联邦所得税罚款; however, during the year 2020, 《爱博体育app下载》允许符合条件的参与者提前领取至多100美元,000 without paying the 10% penalty. 一般来说,一旦你到了72岁,你就必须开始接受最低分配.

*** To qualify, Roth IRA的分配必须满足5年的持有要求,并且在59岁½岁之后开始.

1. Investment Company Institute, May 2020
2. IRS.gov, March 12, 2021. Under the SECURE Act, in most circumstances, once you reach age 72, 你必须开始从传统的个人退休帐户(IRA)中提取最低要求的分配. 根据安全法案,只要你满足劳动收入要求,你可以在超过70岁半的时候继续向传统IRA账户缴款.
3. Up to certain limits, 传统的个人退休帐户允许个人在他们的帐户中进行免税捐款. 来自传统个人所得税的分配按普通收入征税, and if taken before age 59½, 可能会被处以10%的联邦所得税罚款. 一般来说,一旦你到了72岁,你就必须开始接受最低分配.
4. IRS.gov, November 4, 2020
5. Investopedia.com, 2021
6. IRS.gov, November 4, 2020
7. IRS.gov, March 12, 2021
8. IRS.gov, March 12, 2021
9. 2017年的《爱博体育app下载》(Tax Cuts and Jobs Act)取消了“撤销”罗斯转换的能力.

内容是发展的来源被认为是提供准确的信息. 本材料中的信息并非用于税务或法律咨询. 它不能用于避免任何联邦税收处罚的目的. 请向法律或税务专业人士咨询有关您个人情况的具体信息. 本材料是由FMG Suite开发和制作的,以提供love爱博体育app下载可能感兴趣的主题的信息. FMG套房不隶属于命名的经纪商-交易商, 国家或sec注册的投资咨询公司. 所表达的意见和提供的材料是为一般信息, 而不应被视为招揽购买或出售任何证券. Copyright 2021 FMG Suite.

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