传统IRA - Patelco信用合作社-太阳集团平台

什么是传统IRA?

A 传统的爱尔兰共和军 is a type of individual retirement account in which individuals can make pre-tax contributions and the investments in the account grow tax deferred. Depending on your income, your contribution may be tax deductible. You pay no taxes on any investment earnings until you withdraw or “distribute” the money from your account, 大概是退休了.

使用传统IRA, 提款时你要缴纳普通所得税, 你必须从73岁开始领取养老金.

Unlike with a Roth IRA, there are no income limitations to open a 传统的爱尔兰共和军. It may be a good option for those who expect to be in the same or lower tax bracket in the future.

Due to the Setting Every 社区 Up for Retirement Enhancement Act (SECURE Act), 从2020纳税年度开始, there is no maximum age restriction for making a 传统的爱尔兰共和军 contribution as long as you, 或者你的配偶共同申请, 有收入.

增加退休储蓄

为退休存钱

Withdrawals are penalty-free once IRA owner reaches 59 1/2

减税

Possible tax deduction, based on income and retirement plan participation

自定义IRA计划

和朋友交谈 CFS财务顾问可通过CUSO Financial Services, L.P. (CFS)，了解您的投资选择²

支持存款产品

Choosing deposit products offers a guaranteed return on principal, federally insured up to $250,000

证书帐户选项

IRA 证书 offer competitive rates and terms from 3-60 months.

货币市场选择账户选项

Competitive tiered rates and no opening balance minimum

常见问题

Are all 传统的爱尔兰共和军 contributions tax deductible?

One of the immediate benefits of contributing to a 传统的爱尔兰共和军 is a tax deduction you can receive on your income taxes. 截至12月31日的纳税年度, 2023, you may receive a 100% deduction on your annual contribution if:

You don’t receive benefits under an employer’s retirement plan.

Or (if you do receive benefits under an employer’s retirement plan), your modified adjusted gross income is no more than $116,000-$136,如果已婚并共同申报，则为$73,000-83,000 for single filers (these amounts are for the tax year ending December 31, 2023).

截至12月31日的纳税年度, 2024, you may receive a 100% deduction on your annual contribution if:

You don’t receive benefits under an employer’s retirement plan

Or (if you do receive benefits under an employer’s retirement plan), your modified adjusted gross income is no more than $123,000-$143,000 如果已婚并共同申请，或 $77,000-$87,000 for single filers (these amounts are for the tax year ending December 31, 2024).

如果你参加了雇主计划, IRA deductibility is gradually phased out above these income levels.
什么是IRA补缴款?

If you reach the age of 50 before the end of the taxable year, you may be eligible to contribute an additional catch-up contribution to your 传统的 and/or Roth IRA.
How can a 传统的爱尔兰共和军 help me save for retirement?

You can open and fund one without employer participation.

Contributions/earnings are tax-deferred until retirement.¹

Depending on your plan participation and income, you may benefit from tax deductions.

Your funds are always available, generally not true of employer plans.

没有最低捐款要求.
What is the difference between a 传统的爱尔兰共和军 and a Roth IRA?

The main difference between them is when you pay taxes.

传统IRA是递延纳税的. This means that you can contribute money before it’s taxed, and you don’t owe taxes on those contributions or your earnings until you withdraw the money. It’s likely that you will be earning less when you begin to withdraw from your IRA, which means that you may end up being in a lower tax bracket and paying less overall in taxes.

罗斯个人退休账户不需要延税, which means you owe taxes when you contribute the money to the account. But that means you won’t have to worry about paying them later and your contribution can grow tax-free. Withdrawals of contributions and earnings are tax free if your account has been open at least five years, 你至少59岁半了.

我可以从个人退休帐户中取款吗?

If you want to make a withdrawal before you’re 59 and a half, you’ll have to pay a 10% tax penalty. 另一方面, you must begin to take required minimum distributions (RMDs) once you turn 73 if you have a 传统的爱尔兰共和军. This is the minimum amount that you’re required to withdraw each year. rmd按普通收入征税. 如果你有罗斯个人退休账户，你就不会有RMD.

Where can I find additional frequently asked questions?

其他常见问题可以在这里找到.

¹ 咨询税务顾问有关个人退休账户的税收优惠.

² Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“中心”)，注册经纪交易商(会员) FINRA/SIPC)和美国证券交易委员会注册投资顾问. 透过中心提供的产品: 没有NCUA/NCUSIF或其他联邦保险, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. 应对, 或与…接触, residents of other states will be made only upon compliance with applicable licensing and registration requirements. 本网站的资料只供美国政府使用.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

注册财务规划师标准委员会. 拥有CFP认证标志^®, Certified Financial Planner™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

传统的 IRA

收入要求

年度供款限额

税收优惠

什么是传统IRA?