An IRA (and its corollary, the Roth IRA) is a form of tax-advantaged retirement account that lets you save money during your working years so you can withdraw it during retirement. There is no age limit to contributing to an IRA, meaning that you can do so at any point in life. However, you can only contribute earned income to this account, not investment income. So even if you’re technically retired you must be working in some form to make additional IRA contributions. A financial advisor may be able to help you figure out how to manage your IRA. SmartAsset’s free advisor matching tool can help you find advisors that serve your area.
IRA Nedir?
An IRA, or individual retirement account, is a form of tax-advantaged retirement account. Its structure mirrors that of a 401(k), however, you can make contributions to an IRA directly rather than through the employer relationship that a 401(k) requires. Any money that you contribute to an IRA does not count as taxable income for the purposes of federal income taxes.
Daha sonra bu parayı çektiğinizde, hesabın yaptığı kazançlar için vergi ödersiniz. İnsanlar genellikle yaşamları boyunca IRA'lara katkıda bulundukları ve aynı zamanda yatırım yaptıkları için, emeklilik yaşına geldiğinizde IRA bakiyeleri oldukça yüksek olabilir.
As noted, the structure of a 401(k) mirrors that of an IRA. When you leave a job through which you had a 401(k), that account is often rolled over into an IRA. This is a standard practice and allows you to continue to accrue money from 401(k) accounts that you’ve had at different jobs over the years.
Roth IRA nedir?
A Roth IRA resembles the IRA structure. This, too, is a form of tax-advantaged retirement account. However, with a Roth IRA you contribute with post-tax income. When you withdraw the money from your Roth IRA account later in life you can do so free of any taxes on the account’s growth. This makes a Roth IRA by far the better savings vehicle for many. The taxes you save with a Roth IRA will be considerably higher than the taxes you pay on that original income.
Her iki hesapla da 59 1/2 yaşında para çekmeye başlayabilirsiniz. IRS muafiyetlerinden birini karşılamadığınız sürece, bu hesaplardan 59 1/2'den önce para çekerseniz IRS sizden vergi ve cezalar tahsil edecektir. Bazı durumlarda, buna değer olabilir. Ancak, IRA'nızdan erken ayrılmanızın sizin için anlamlı olması pek olası değildir.
Emekli olduktan sonra bir IRA'ya katkıda bulunmak
Sezgisel gibi görünse de, emekli olduktan sonra IRA'ya katkıda bulunmanın birçok potansiyel faydası vardır. Ortalama emeklilik yaklaşık 20 yıl sürer (bazı insanlar için 18'e yakındır). 67 yaşında IRA katkıları yapmaya devam ederseniz, 80'leriniz için sağlam bir portföy oluşturabilirsiniz.
However, you can only contribute to an IRA or a Roth IRA with what is known as “earned income.” The IRS defines earned income as “all taxable income and wages you get from working for someone else, yourself or from a business or farm that you own.” Earned income specifically does not include money such as capital gains, interest and dividends, sale of assets such as a house or car, and Social Security payments. Savings also do not count toward the earned income requirement, even if this money was earned in previous tax years.
Bottom Line
You absolutely can make IRA and Roth IRA contributions while in retirement. You can do so at any point in your life. However, you must be working while in retirement; you can only make IRA contributions with the income you earned from this work; and you cannot contribute more to your IRA or Roth IRA than you earned in that tax year. For example, say you have a part time job at the local library. It pays you $4,000 per year. Even though your annual contribution limit might be $7,000, you can’t contribute more to your IRA than the $4,000 that you earned this year.
Emeklilik için İpuçları
Retirement can be a difficult part of life to navigate, and a financial advisor can help. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
Is an IRA the right retirement plan for you? How late in life should you consider one, and how should you use it? To start understanding these questions, take a look at our article exploring what IRAs are and how they work.
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The post Can You Contribute to an IRA After Retirement? appeared first on SmartAsset Blog.
Kaynak: https://finance.yahoo.com/news/contribute-ira-retirement-183610426.html