Video chia sẻ nhanh về tài khoản tiết kiệm Roth IRA ở Mỹ cùng với portfolio mình dùng để swing trade. Nếu bạn nào muốn hiểu rõ hơn về tài khoản này thì hãy vào phần link bên dưới Roth IRA Contribution Limits ► ROBINHOOD (1 stock miễn phí khi mở account): ► WEBULL (2 stocks miễn phí khi mở account + deposit $100): Disclaimers: I'm not a financial advisor. None of this is meant to be construed as investment advice, it's for entertainment purposes only. Links above include affiliate commission or referrals. Từ chối trách nhiệm: Mình không phải là cố vấn tài chính. Tất cả nội dung chia sẻ trong video chỉ dành cho mục đích giải trí, không phải lời khuyên đầu tư. Channel sẽ không chịu trách nhiệm pháp lý liên quan đến vấn đề giao dịch dựa trên các nhận định của kênh. Các liên kết trên bao gồm hoa hồng liên kết hoặc giới thiệu....(read more)
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Roth IRA vs. Traditional IRA: Which retirement account Should You Choose? When it comes to planning for retirement in the United States, one of the most popular options is an Individual retirement account (IRA). Within this category, individuals have the choice between a Roth IRA and a Traditional IRA. In this article, we will provide an overview of Roth IRA là gì (what is Roth IRA) and help you decide which option is the right one for you. Firstly, let's understand what a Roth IRA is. A Roth IRA is a retirement account that allows individuals to contribute after-tax income, meaning that the money you deposit into the account has already been taxed. The primary advantage of a Roth IRA is that, upon retirement, the withdrawals are tax-free. This means that any earnings or growth within the account can be withdrawn without having to pay taxes on them. On the other hand, a Traditional IRA functions differently. Contributions made to a Traditional IRA are tax-deductible, meaning that the money is deposited before taxes are levied. However, when you withdraw from a Traditional IRA during retirement, the amount you take out is taxed as regular income. Now that we have a basic understanding of both options, let's delve into the factors worth considering to help you make an informed decision. One significant factor to weigh is your current tax bracket. If you are currently in a low tax bracket, it may make more sense to contribute to a Roth IRA. This way, you pay taxes at your current lower rate, and upon retirement, you can enjoy tax-free withdrawals when you may find yourself in a higher tax bracket. On the contrary, if you are currently in a high tax bracket and expect to be in a lower tax bracket during retirement, a Traditional IRA may be a more suitable choice. By contributing to a Traditional IRA, you can receive an immediate tax deduction, reducing your taxable income in the present. This strategy is advantageous when your taxable income is expected to decrease in the future. Another factor to consider is your eligibility for each type of IRA. Roth IRAs have income limits, meaning that not everyone can contribute to them. The limits are adjusted annually, so it's essential to review the current guidelines. Traditional IRAs, on the other hand, have no income limits, making them accessible to a broader range of individuals. Additionally, the timing of your withdrawals is another aspect to contemplate. Roth IRAs have no required minimum distributions (RMDs) during your lifetime, meaning you can choose when to withdraw funds without penalty. In contrast, Traditional IRAs have RMDs starting at age 72, mandating a minimum withdrawal each year, which may impact your retirement income strategy. Lastly, consider future tax considerations. If you foresee changes in tax laws that may increase rates significantly, contributing to a Roth IRA now can be a smart move, shielding your earnings from potential higher taxes. However, if you anticipate tax rates remaining relatively stable, a Traditional IRA can offer immediate tax benefits without worrying about future tax implications. Ultimately, the decision between a Roth IRA and a Traditional IRA depends on your current and projected financial circumstances. It's advisable to consult a financial advisor who can assess your individual situation and provide personalized advice. In conclusion, both Roth IRA and Traditional IRA have unique features and advantages. Understanding the differences and considering your financial goals will help you determine which retirement account, Roth IRA or Traditional IRA, is the best choice for you. Start planning for your retirement today! https://inflationprotection.org/what-is-a-roth-ira-should-i-choose-a-roth-ira-or-a-traditional-ira-retirement-accounts-in-the-us/?feed_id=110433&_unique_id=64956ce9b9e22 #Inflation #Retirement #GoldIRA #Wealth #Investing #accountiralàgì #bestiraaccounts #cáchkhaithuếrothira #hướngdẫnđầutư #investment #ira #quỹhưutrícánhân #quỹhưutríira #quyềnlợinghỉhưu #RothIRA #rothiraaccount #rothiralàgì #rúttiềntừtàikhoảnhưutrí #tàikhoảnhưutrícánhân #tàikhoảnIRA #tàikhoảnRothIRA #tiềniralàgì #traditionalIRA #traditionaliralàgì #traditionaliravsrothira #túnguyễn #đầutưchứngkhoán #đầutưcùngtúnguyễn #đầutưrothira #đầutưtạimỹ #TraditionalIRA #accountiralàgì #bestiraaccounts #cáchkhaithuếrothira #hướngdẫnđầutư #investment #ira #quỹhưutrícánhân #quỹhưutríira #quyềnlợinghỉhưu #RothIRA #rothiraaccount #rothiralàgì #rúttiềntừtàikhoảnhưutrí #tàikhoảnhưutrícánhân #tàikhoảnIRA #tàikhoảnRothIRA #tiềniralàgì #traditionalIRA #traditionaliralàgì #traditionaliravsrothira #túnguyễn #đầutưchứngkhoán #đầutưcùngtúnguyễn #đầutưrothira #đầutưtạimỹ
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