IRA ni iki?
IRA ni konti yashyizweho mu kigo cy’imari yemerera umuntu ku giti cye kuzigama amafaranga y’izabukuru hamwe n’iterambere ridasoreshwa cyangwa hashingiwe ku misoro.
Ubwoko bwa IRA
Hariho ubwoko 3 bwingenzi bwa IRA buriwese afite ibyiza bitandukanye:
A. Gakondo IRA - Utanga imisanzu hamwe namafaranga ushobora gushobora gukuramo imenyekanisha ryimisoro, kandi inyungu zose zishobora gukura imisoro yatinze kugeza ubikuyemo muri pansiyo.
B. Roth IRA - Utanga imisanzu namafaranga umaze kwishyura imisoro kuri (nyuma yumusoro), kandi amafaranga yawe arashobora gukura nta musoro, hamwe no gukuramo imisoro mugihe cyizabukuru, mugihe hari ibisabwa byujujwe.
C. Rollover IRA - Utanga amafaranga "yazunguye" muri gahunda yizabukuru yujuje ibyangombwa muri iyi IRA gakondo.Kuzunguruka birimo kwimura umutungo wemerewe kuva muri gahunda yatewe inkunga nabakoresha, nka 401 (k) cyangwa 403 (b), muri IRA.
Igihe cyo kohereza: Mutarama-21-2022