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IRAについて教えて下さい。
- #1
-
- to-ma
- 2007/02/28 18:30
どなたか Traditional IRA と Ross IRA の違いを教えて頂けますか?
- #2
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- ぶんぶん丸
- 2007/02/28 (Wed) 20:29
- Report
それくらいgoogleかwikiで検索すればわかるだろう。。。とつっこみたくなりますが、まぁ個人的にも復習がてらに解説します。
/狭みの際、Traditionalでは税引き前の給料から直接できるが、Rothでは税引き後の手取り額から。
年金受諾時期(59歳と半年)の際、Traditionalでは引き落とすときに税金を払うが、Rothでは振込む前に税金をはらっているため全額非課税。
G金受諾時期より前にお金を引き落とす際、Traditionalでは通常の税率プラス10%のペナルティの税金を納める必要があるが、Rothでは自分が振り込んだ金額は非課税で引き落とせる。ただし利子などで増えた金額は無理。
Traditionalでは70歳と半年すぎまでに自分の年金を引き落とさないと、50%の追加税金がかかる。Rothでは本人が働いている間は何歳になっても問題なし。
イ△Traditionalでは個人が死亡してから5年以内に全額引き落とさないとお金をすべて政府に没収される。Rothでは問題なし。
長くなりましたが、大きな違いは「税金を先に払うか、後で払うか」というポイントですね。長いスパンで考えるとやはりRothのほうが断然お得でしょう。
もっと詳しい詳細が知りたければ、トピ主さんが使っている銀行にいって「IRAの口座を作りたい」といえば専門家が教えてくれますよ。
- #4
-
詳しいことは良くわからないのですが
引き出すときに税金がかかるのと
引き出すときに税金がかからないの違いです。
自分がやっているのはTraditional IRAで
タックスリターンをやるとき
IRAにデポジットした分が免税になりますが
引き出すときに、引き出した分に税金がかかります。
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