Roth IRA 计算器 — 免税退休增长

“罗斯 IRA 为退休储蓄的免税增长提供了机会。缴款不可扣除，但合格的分配（包括所有收入）完全免税。”

{"@context":“https://schema.org”,"@type":“FAQPage”,“mainEntity”:[{"@type":“Question”,“name”:“What is a Roth IRA?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“A Roth IRA is a tax-advantaged individual retirement account where you contribute after-tax money. All qualifying withdrawals in retirement — including all investment growth — are completely tax-free.”}},{"@type":“Question”,“name”:“How much can I contribute to a Roth IRA in 2025?”,“acceptedAnswer”:{"@type":“Answer”,“text”:"$7,000 per year if under age 50; $8,000 if age 50 or older. MAGI above $150,000 single or $236,000 married phases out the limit."}},{"@type":“Question”,“name”:“Can I withdraw from a Roth IRA before retirement?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“Yes, your contributions (not earnings) can be withdrawn at any age, tax-free and penalty-free. Earnings withdrawn before age 59½ may trigger income tax and a 10% penalty.”}},{"@type":“Question”,“name”:“What is the Roth IRA 5-year rule?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“The 5-year rule states that you must have had a Roth IRA open for at least 5 tax years before withdrawing earnings tax-free and penalty-free. The clock starts on January 1 of the year you first contributed.”}},{"@type":“Question”,“name”:“What is a backdoor Roth IRA?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“A backdoor Roth IRA is a legal strategy for high earners above the income limit. You make a non-deductible Traditional IRA contribution then immediately convert it to a Roth IRA.”}},{"@type":“Question”,“name”:“Does a Roth IRA have Required Minimum Distributions (RMDs)?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“No — Roth IRAs do not require minimum distributions during the original owner’s lifetime, unlike Traditional IRAs which require RMDs starting at age 73.”}},{"@type":“Question”,“name”:“Is a Roth IRA better than a 401(k)?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“They serve different purposes. The optimal strategy: contribute to 401(k) at least to the employer match, then max the Roth IRA, then return to 401(k) for additional savings.”}},{"@type":“Question”,“name”:“Can I have both a Roth IRA and a 401(k)?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“Yes. Contributing to a 401(k) at work does not affect your ability to contribute to a Roth IRA, as long as your income is within the Roth IRA limits.”}},{"@type":“Question”,“name”:“What happens to my Roth IRA when I die?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“A Roth IRA passes directly to your named beneficiary. Non-spouse beneficiaries must withdraw all funds within 10 years, but those withdrawals are still completely tax-free.”}},{"@type":“Question”,“name”:“What is the best investment for a Roth IRA?”,“acceptedAnswer”:{"@type":“Answer”,“text”:“Prioritize high-growth assets inside your Roth IRA. Low-cost total market index funds or S&P 500 index funds are the most common choice. REITs and small-cap ETFs also work well given their higher expected returns.”}}]}