Roth IRA
A Roth IRA is an individual retirement account (IRA) in the United States that provides tax-free growth. A Roth account may be opened through a variety of investment vehicles such as stock or mutual funds. As with all IRAs, there are specific elegibility and filing status requirements required by the U.S. Internal Revenue Service. A Roth IRA's main advantage is its tax structure. Contibutions are made post-tax, but the growth is tax free and does not require individuals to pay taxes again on this money.

It is commonly believed that the advantage of a Roth IRA over a traditional IRA is its tax-free growth. But in fact, given the same effective pre-tax contribution each year, the results are the same. This is because the money that would have been taxed post-growth is effectively taxed pre-growth, and the growth is proportionally less. The real advantage is that the actual contribution limits are the same for a traditional IRA and a Roth IRA, so an individual can contribute more, in pre-tax dollars, to a Roth IRA than to a traditional IRA.

johngalt napisał:

>
> > Ja licze tylko to co mam na koncie Roth IRA,osobiscie na moje nazwisk
> o,to
> > jest pewne ,bo to sa moje pieniadzea nie obiecanki cacanki z companii
>
> Jasne, ale 401k to tez sa Twoje pieniadze a nie obiecanki cacanki z companii.

tO ZALEZY. ZWYKLE COMPANIE SUGERUJA TRZYMANIE PIENIEDZY W TZW. COMPANY STOCK I
TZW. MATCHING CONTRIBUTION JEST ROWNIEZ W COMPANY STOCK. WIEC JAK FIRMA IDZIE
POD WODE TO I CALE OSZCZEDNOSCI RAZEM Z FIRMA. TAK WIEC MOGA TO BYC OBIECANKI
CACANKI.

wami41 napisała:

> johngalt napisał:
>
> >
> > > Ja licze tylko to co mam na koncie Roth IRA,osobiscie na moje n
> azwisk
> > o,to
> > > jest pewne ,bo to sa moje pieniadzea nie obiecanki cacanki z compa
> nii
> >
> > Jasne, ale 401k to tez sa Twoje pieniadze a nie obiecanki cacanki z compa
> nii.
>
> tO ZALEZY. ZWYKLE COMPANIE SUGERUJA TRZYMANIE PIENIEDZY W TZW. COMPANY STOCK I


Fakt, zapomnialem, takie tez istnieja. Ale zdaje sie, ze coraz mniej.
W mojej firmie tez matching contributions byly w company stock, ale ludzie
nastepnego dnia wszystko wymieniali na inne fundusze.

artremi napisała:

> > Natomiast chyba mowisz o "conversion" IRA na Roth IRA.

Nie, conversion to inna para kaloszy. Te limity dotycza zwyklego konta Roth IRA.
Poczytaj ponizej.


Eligibility

You can establish a Roth IRA by making a regular contribution to a Roth IRA or
by converting a traditional IRA to a Roth IRA.
You may be eligible to make a regular contribution to a Roth IRA even if you
participate in a retirement plan maintained by your employer. These
contributions can be as much as $4,000 for 2006 ($5,000 if you're 50 or older by
the end of the year). There are just two requirements. First, you or your spouse
must have compensation or alimony income equal to the amount contributed. And
second, your modified adjusted gross income can't exceed certain limits. For the
maximum contribution, the limits are $95,000 for single individuals and $150,000
for married individuals filing joint returns. The amount you can contribute is
reduced gradually and then completely eliminated when your modified adjusted
gross income exceeds $110,000 (single) or $160,000 (married filing jointly).
These dollar amounts apply through 2006, and inflation-adjusted amounts for
later years can be found in our Reference Room.
You can convert your regular IRA to a Roth IRA if (a) your modified adjusted
gross income is $100,000 or less, and (b) you're single or file jointly with
your spouse. You'll have to pay tax in the year of the conversion, but for many
people the long-term savings outweigh the conversion tax.

a wiecej to tu:
www.fairmark.com/rothira/roth101.htm