Iyini i-Roth 401 (k)?
Context:E-United States, uhlelo lwe- 401 ((k) i-akhawunti yomhlalaphansi (yokulondoloza) yomqashi exhaswa ngumqashi, njengoba ichazwe esigabeni esincane se- 401 ((k) se-U.S. Internal Revenue Code. Iminikelo yezisebenzi yesikhathi esithile ivela ngokuqondile emiholweni yabo, futhi ingafaniswa nomqashi. Lolu khetho olungokomthetho yilona olwenza izinhlelo ze- 401 ((k) zikhange kubasebenzi, futhi abaqashi abaningi banikeza lolu khetho kubasebenzi babo (besikhathi esigcwele).  Kunezinhlobo ezimbili: ezendabuko nezaseRoth 401 (k). Kuma-akhawunti kaRoth, iminikelo nokukhishwa kwemali akunamthelela entela engenayo. Kuma-akhawunti ajwayelekile, iminikelo ingadonswa emalini ethelayo futhi ukukhishwa kwemali kwengezwe emalini ethelayo. Kukhona imingcele yeminikelo, imithetho elawula ukuhoxiswa kwezimali nezinhlawulo ezingaba khona.  Inzuzo ye-akhawunti kaRoth ivela ezinzuzweni zezimali ezingakhokhiswa intela. Inzuzo ephelele ye-akhawunti yendabuko iyinani le- (1) ibhonasi (noma inhlawulo) engaba khona evela ekuhoxisweni ngamanani entela aphansi (noma aphezulu) kunasemalini engenayo, kanye (2) nomthelela ekufanelekeleni kwezinye izinhlelo ezihlolwayo zemali engenayo evela emalini engenayo kanye nokuhoxiswa kwehlisa futhi kwengeze emalini engenayo engaphansi kwentela, kususwe imiphumela yenzuzo yemali engenayo ekhokhiswa intela ngamanani entela ejwayelekile.
I-Roth 401 ((k) uhlobo lwe- 401 ((k) lapho ama-akhawunti, iminikelo, kanye nokukhishwa kwemali kungathinti intela yemali engenayo. Inzuzo ye-akhawunti kaRoth ukuthi inzuzo yemali engenayo ayikhokhiswa intela.  E-United States, uhlelo lwe- 401 ((k) i-akhawunti yomhlalaphansi (yokulondoloza) yomqashi exhaswa ngumqashi, njengoba ichazwe esigabeni esincane se- 401 ((k) se-U.S. Internal Revenue Code. Iminikelo yezisebenzi yesikhathi esithile ivela ngokuqondile emiholweni yabo futhi ingafaniswa nomqashi.