Chii chinonzi Roth 401 (k)?
Context:MuUnited States, chirongwa che 401 ((k) chirongwa chinotsigirwa nemushandirwi, chinotsanangurwa-mupiro, nhoroondo yepenjeni (yekuchengetedza), sekutsanangurwa kwayakaitwa muchikamu chidiki 401 ((k) cheU.S. Internal Revenue Code. Mipiro yenguva dzose yavashandi inobva zvakananga mumari yavo, uye inogona kuenzaniswa nomushandirwi. Iyi nzira yepamutemo ndiyo inoita kuti zvirongwa zve 401 (k) zvifarirwe nevashandi, uye vashandirwi vakawanda vanopa vashandi vavo (venguva yakazara) iyi nzira.  Kune marudzi maviri: echinyakare neRoth 401 (k). Nokuda kwamaakaundi aRoth, mipiro nokubviswa hazvipi tapuro pamutero wemari. Nokuda kwemabhuku echinyakare, mipiro inogona kubviswa pamari inobhadharwa uye kubviswa kunowedzera pamari inobhadharwa. Pane miganhu yokupa mipiro, mitemo inodzora kubvisa mari uye zvirango zvingagona kupiwa.  Betsero yeakaundi yaRoth inobva pakubhadhariswa mutero. Kubatsirwa kwakachena kweakaundi yechinyakare ndiko kuwanda kwe (1) bhonasi inogona kuitika (kana chirango) kubva mukubvisa pamitero yemitero yakaderera (kana yakakwira) kupfuura pamupiro, uye (2) kukanganiswa kwekukodzera kune mamwe mapurogiramu anoongororwa nemari kubva kumipiro nekubvisa kunoderedza nekuwedzera kune mari inobhadharwa, kubvisa mhedzisiro yekuwedzera kwemari kunobhadharwa pamitero yenguva dzose yemari.
Roth 401 ((k) rudzi rwe 401 ((k) umo maakaundi, mipiro, uye kubviswa hazviite mutero wemari. Betsero yeakaundi yaRoth ndeyekuti mari inowanikwa pamari haibhadhariswi mutero.  MuUnited States, chirongwa che 401 ((k) chirongwa chinotsigirwa nemushandirwi, chinotsanangurwa-mupiro, nhoroondo yepenjeni (yekuchengetedza), sekutsanangurwa kwayakaitwa muchikamu chidiki 401 ((k) cheU.S. Internal Revenue Code. Mipiro yenguva dzose yevashandi inobva zvakananga mumari yavo uye inogona kuenzaniswa nomushandirwi.