罗斯IRA的, 但须满足某些条件, 允许免税增长和免税提款. 结果是, they have justifiably gained tremendous popularity over the years, 关于他们的好处已经写了很多. Most of the conversation revolves around the tax advantages as well as who should invest in a 罗斯IRA.
也有很多报道 罗斯的转换 which is when an individual chooses to make a taxable withdrawal from their IRA or Qualified Retirement Plan and send the proceeds to their 罗斯IRA.
但随着投资者年龄的增长, the benefits of the 罗斯IRA diminish largely due to the smaller number of years the money has to potentially grow tax-free. 和 this leads us to the biggest question for 罗斯IRA account holders: “when should I withdraw from my 罗斯IRA?” The answer is complex and unique to each individual because each person’s cash flow needs, tax situation and outlook on the investment markets are unique to them. 因此，没有放之四海而皆准的方法.
The Roth is such a valuable tool in an investors tax avoidance arsenal that many folks find it difficult to withdraw from the account. 这是可以理解的，因为对大多数退休人员来说, 一旦他们停止工作, they cannot make contributions into their 罗斯IRA and they don’t want to lose the chance to grow money tax-free.
In this way it is 就像那瓶特别的酒 that many connoisseurs have in the back of their wine closet – it’s almost too special to drink. But the 罗斯IRA, 就像那瓶特别的酒, should be enjoyed. Here are three questions retirees can ask themselves to help make the difficult ‘when should I withdraw from my 罗斯IRA’ decision.
Is this one of my higher-earning years that I will have between now and the end of my life?
如果你需要从你的投资账户中提款, and if you believe that you are in one of your higher earning years (between now and when you die), then this could be a good year to make a 罗斯IRA withdrawal since those could be tax-free. 逻辑是，由于你的高收入, withdrawals from a taxable account will likely face a higher marginal tax rate than in a lower earning year. 此外, withdrawals from a taxable account could move you to a still higher marginal tax rate whereas the Roth withdrawals have no impact on your tax situation.
我认为股票市场会怎样?
我知道这是不可能准确预测的, 但如果你认为我们正在走向大幅下滑, 那么从罗斯个人退休账户中退出可能是有意义的. This is because 罗斯IRA funds do not offer any tax benefit against losses. 例如, someone who deferred making 罗斯IRA withdrawals in 2007 just before the stock market crash missed a chance at maximizing the value of this tax-free account. 另一方面, withdrawals near a market peak (and before a decline) can realize gains without paying income taxes.
Do I have other assets that I can convert into my 罗斯IRA in the future?
If you have other qualified plan assets that can be converted to a 罗斯IRA, this can reduce the hesitancy and reluctance around the 罗斯IRA withdrawal decision. Consider an investor who reluctantly withdraws from their 罗斯IRA. 在随后的低收入/低税年度, they can convert a portion of their 401(k) or IRA into the Roth. This would be a de facto replacement of any assets previously withdrawn from 罗斯IRA. 和, 在某些方面, 就像那瓶特别的酒, 如果我们有类似年份的酒, 我们可能更有可能把它打开.
As we age, we face different financial planning decisions than when we were accumulating assets. 和 when to withdraw from a 罗斯IRA is one such question. So, consider several variables including your cash flow needs, 应纳税所得额, 当前和未来的税率, 你对股市的预期, and other factors before completing either a 罗斯IRA withdrawal or a Roth conversion.
