Traditional IRAs발음듣기
대기중
Traditional IRAs
171문장
0% 일본어
번역 1명 참여
출처 : 칸아카데미
번역
0%
The just of all of them, is really it's the governments way of encouraging you to save for your retirement.발음듣기
대기중
They all have slightly different details, so I'm just going to focus on the traditional right now.발음듣기
대기중
I guess the rational was probably, "Gee, if you're over the age of 50, you better save even more for your retirement, which might only be 10 or 15 years away."발음듣기
대기중
In this situation, where you didn't put the $5,000 aside, you're going to have to pay taxes on $100,000.발음듣기
대기중
Let's say in either situation, with that $5,000, you want to buy and sell some securities or some investments.발음듣기
대기중
All of our transactions are sitting in this special IRA account right here, where we can actually buy and sell investments and trade them.발음듣기
대기중
But, we can't cash them in and turn them into cash and then spend it on a new car or something like that.발음듣기
대기중
The Roth IRA, for example, is a little bit more flexible on the actual principle amount that you put into the account.발음듣기
대기중
The government is saying, "Hey, I'm giving you an incentive to put this aside and I really want to make sure that you leave this aside until you are ready to retire."발음듣기
대기중
'"You don't get tempted, when you see a nice sports car, to cash in your IRA and use it, because you're going to have to pay a penalty."발음듣기
대기중
As long as you don't actually withdraw it and turn it into cash, you can actually buy and sell securities within that IRA.발음듣기
대기중
Because you are not operating within an IRA account, you're going to have to pay taxes on the capital gains from this right here.발음듣기
대기중
Since you owned your stock for more that 1 year, you at least will only have to pay long-term capital gains, which tends to be lower than short-term capital gains.발음듣기
대기중
Once again, it's sitting inside of your IRA, so you don't have to pay any capital gains on it.발음듣기
대기중
In this situation, you use that $6,290 to also invest in stock B, and after 10 years stock B doubles.발음듣기
대기중
This money that was sitting in IRA, now that we're over the age of 60, we're over 60 now, or over 59 1/2 if you want to be particular.발음듣기
대기중
Now that we're over 60 we can withdraw the IRA without paying any penalty, but we will have to pay taxes.발음듣기
대기중
We will have to pay taxes, but the huge advantage here is, once we're over 60, we're probably earning less money.발음듣기
대기중
Remember, when we first made that $5,000 we were in a 32% tax bracket, because we were this young gun at the peak of his or her career, making a lot of money.발음듣기
대기중
We're actually putting it in our checking account so we can spend it for living or whatever we want to do with it.발음듣기
대기중
Everything that we did was completely identical, except for, over here we took the $5,000 and invested within an IRA.발음듣기
대기중
We actually made very good stock investments in both situations and we ended up with a significant less amount of money.발음듣기
대기중
Not only that, but this tax we had to pay, we don't have to pay this … this is only in situations where you have a 25% tax rate.발음듣기
대기중
When you're retired you might even have a lower tax rate than that and it's deferred a good bit.발음듣기
대기중
The real thing to think about is just, 20 years in the future you're sitting on $15,000 verses if you didn't participate it in the IRA you're sitting on only a little over $11,500.발음듣기
대기중
Of course, the main trade off here is that in the IRA situation, you really couldn't touch your money.발음듣기
대기중
칸아카데미 더보기더 보기
-
Comparative roles of women in Rome and Han Ch...
106문장 0%번역 좋아요2
번역하기 -
Tea, Taxes, and the American Revolution
91문장 0%번역 좋아요2
번역하기 -
34문장 0%번역 좋아요0
번역하기 -
41문장 0%번역 좋아요2
번역하기
