IRA는 집, 다른 주 또는 어딘가의 아름다운 섬에서 편안한 은퇴를 위해 충분한 돈을 모을 수 있는 아주 쉬운 방법을 제공합니다. 그리고 그 과정에서 약간의 세금 혜택을 받습니다.

하지만 개인 퇴직 계좌 또는 약정 , 당신이 기술을 얻고 싶다면 -- 완벽하지 않습니다. 수천 달러의 벌금이나 수입 손실이 발생할 수 있는 함정이 있습니다.

이러한 일반적이고 잠재적으로 매우 비용이 많이 드는 IRA 오류를 피하십시오.

1. 기여도가 충분하지 않음

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMl8xMjAweDUwMF92MjAxOTAxMTEyMzI1NDguanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

은퇴 계좌의 최대 혜택(투자를 통해 자란 가능한 가장 큰 알)을 얻으려면 매년 최대 금액을 계좌에 넣어야 합니다.

2019년 IRA 기부 한도는 $6,000, 50세 이상인 경우 $7,000입니다.

전통적인 IRA를 사용하면 급여에서 세전 달러를 기부하고 세금에서 금액을 공제할 수도 있습니다. 퇴직금 인출은 경상 소득으로 과세됩니다.

Roth IRA를 사용하면 기부금에 세금 감면이 적용되지 않지만 인출에는 세금이 부과되지 않습니다.

2. 너무 많은 기여

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfM18xMjAweDUwMF92MjAxOTAxMTEyMzI3MzUuanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

IRA 자금 조달은 The Price Is Right에 대한 입찰과 같습니다. :초과하지 않고 기부 한도에 도달하고 싶습니다.

어느 해에 임계값을 초과하면 새로운 식탁 세트 없이 빈손으로 게임 쇼를 마치고 집으로 돌아가는 것과 거의 다를 바가 없습니다.

IRS는 귀하가 IRA에 남아 있는 초과 금액에 대해 6%의 벌금을 귀하가 제거하거나 보상을 위해 향후 기여금을 줄일 때까지 부과합니다.

3. 너무 일찍 돈을 건드림

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNF8xMjAweDUwMF92MjAxOTAxMTEyMzI5MjAuanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

IRA를 너무 빨리 급습하면 비용이 많이 들 수 있습니다. 59세 1/2세 미만이고 Roth IRA 또는 모든에서 투자 수입을 인출하는 경우 전통적인 IRA에서 돈을 지불하면 세금과 10%의 벌금이 부과됩니다. (앗!)

따라서 돈이 심각하게 필요하다면 IRA를 탭할 가치가 있는지 매우 신중하게 생각하십시오.

조기 인출 페널티에는 몇 가지 예외가 있습니다. 장애가 있거나, 본인 부담 의료비가 높거나, 그 돈을 고등 교육에 사용하고 싶거나, 첫 집을 구입하는 경우에는 지불하지 않아도 됩니다.

4. IRA에 무엇이 있는지 모름

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNl8xMjAweDUwMF92MjAxOTAxMTIxNzIwMjAuanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

IRA는 "계좌"로 간주되고 목적은 은퇴를 위한 저축이지만 저축 계좌와는 다릅니다. 투자 계정에 가깝습니다.

IRA에는 뮤추얼 펀드, CD, 주식, 채권 및 일부 부동산 투자가 포함될 수 있습니다.

거기에 무엇이 있는지 완전히 알지 마십시오. 예를 들어, 믹스가 자신의 나이에 맞는지 알고 싶습니다. 은퇴가 가까울수록 주식과 같은 더 위험한 투자에 덜 노출됩니다.

5. 공제 대상이 아닌 경우 기여하지 않음

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfN18xMjAweDUwMF92MjAxOTAxMTIxNzMxMTkuanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

소득이 너무 높거나 직장을 통해 401(k) 또는 기타 퇴직 계획이 있는 경우 기존 IRA에 투자한 돈에 대해 세금 공제를 받지 못할 수 있습니다.

그러나 공제 자격이 없는 경우 IRA에 기여하지 않기로 선택하는 것은 큰 실수입니다.

상각 없이도 소득을 늘리고 세금 납부를 연기할 기회가 있습니다. 은퇴할 때까지(세율이 더 낮아질 가능성이 있는 때)

6. 배우자 IRA 누락

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfNV8xMjAweDUwMF92MjAxOTAxMTEyMzMyMDkuanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

당신이라면 직장은 있지만 배우자가 집에 머물면서 아이들을 돌보고 있거나 그냥 일을 쉬고 있는 경우, 두 사람은 배우자가 IRA를 유지할 수 없다고 생각할 수 있습니다. 소득도 없고 IRA도 없습니다 — 맞습니까?

잘못된. 사실, 배우자를 대신하여 IRA에 기부할 수 있습니다. 연간 한도까지 자신의 계좌에 돈을 부은 다음 배우자 IRA와 동일하게 할 수 있습니다.

한 사람이 급여를 받지 못하는 시기에 부부가 함께 은퇴 저축을 두 배로 늘릴 수 있는 방법입니다.

7. 필요한 출금을 방해

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1NTF9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMTAyfX19 배"/> <소스 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo1MTZ9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDMyfX19 배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo2OTZ9fX0=, HTTPS :// 이미지. moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjo5MzZ9fX0 =https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMDgwfX19, HTTPS ://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfMTJfMTIwMHg1MDBfdjIwMTkwMTEzMTE1NDIwLmpwZyIsImVkaXRzIjp7InJlc2l 6ZSI6eyJmaXQiOiJjb3ZlciIsIndpZHRoIjoxMjAwfX19 2x" />

전통적인 IRA에는 시차 만료가 있으며 계정에 돈을 너무 오래 보관하면 너무 일찍 여는 것보다 더 나쁠 수 있습니다.

70 1/2에 도달하면 연간 "최소 필요 분배금" 또는 RMD를 복용하기 시작해야 합니다. 매년 계정에서 얼마를 빼야 하는지 계산하는 것은 까다롭지만 IRS에는 도움이 되는 워크시트가 있습니다.

이봐, 그것은 당신의 돈입니다. 그러니 즐기십시오. 그렇지 않으면. RMD를 전혀 받지 않거나 충분히 인출하지 않으면 필요에 따라 인출하지 않은 금액에 대해 막대한 50%의 소비세를 지불해야 할 수도 있습니다.

8. 수혜자의 이름을 지정하거나 업데이트하지 않음

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjU1MX19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjExMDJ9fX0=배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjUxNn19fQ==, https://images.moneywise.com /eyJidWNrZXQiOiJtZWRpYTEubW 9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwMzJ9fX0 =배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjY5Nn19fQ==, HTTPS :// images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS 9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjkzNn19fQ ==https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=배 "/> <원본 미디어 ="(최소 폭 :1104px) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXplIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEwODB9fX0=, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMjY4OS9jb21tb24tYW5kLWNvc3RseS1taXN0YWtlcy13aXRoLXlvdXItaXJhX2Z1bGxfd2lkdGhfOF8xMjAweDUwMF92MjAxOTAxMTIxNzQwMDEuanBnIiwiZWRpdHMiOnsicmVzaXp lIjp7ImZpdCI6ImNvdmVyIiwid2lkdGgiOjEyMDB9fX0=2x" />

어떤 일이 발생하면 IRA에 있는 돈은 어떻게 됩니까? 계정에 대한 수혜자를 지정하지 않으면 상속인이 수익금을 받는 과정에서 지연과 세금 부담에 직면할 수 있습니다.

수혜자 정보를 입력했다면, 특히 삶에 중대한 변화가 발생한 후에는 최신 정보를 유지하십시오.

이혼으로 인해 전 애인이 IRA 돈을 받지 못할 것이라고 생각하지 마십시오. 귀하가 이름을 삭제하지 않는 한, 전 배우자는 여전히 계정을 상속받을 수 있습니다.

9. Procrastinating with contributions

Many retirement savers wait to make their annual IRA contribution until the very last second before the yearly IRA cut-off, which coincides with the April tax deadline.

Down-to-the-wire investments have less time to compound, which means you can potentially lose out on a decent amount of earnings over time.

If you don't have the full amount to put in at the start of the year and don't trust yourself not to wait until the last minute, consider setting up an auto-invest plan that will fund your IRA in fixed installments over the course of the year.

10. Not contributing later in life

With traditional IRAs, that odd age of 70 1/2 isn't only a time for mandatory withdrawals, but it's also the point when you must stop putting any new money into your account.

But Roth IRAs are different. With a Roth, you can keep making contributions no matter how old you are.

Why would you want to go on socking away more retirement money? Maybe you don't need it for your retirement but want to pass on a nice inheritance. Your heirs will be able to make withdrawals tax-free.

11. Putting your IRA on hold

If your car is starting to give out, you're worried about your job, or you see other potential financial needs on the horizon, it might be tempting to hit "pause" on your IRA contributions.

But that can be a serious mistake. Won't there always be something ? Some excuse not to save? And before long, you'll have gone months or years without putting aside money that can seriously grow.

With a traditional IRA, an emergency that comes up might qualify for an exemption from the early withdrawal penalty. And if you've got a Roth IRA, you can make penalty-free withdrawals of your contributions (though not the earnings) at any time.

More: Get a free analysis of your IRA from Blooom today.