为青少年开设罗斯个人退休账户
Want to give your child or grandchild a financial head start? 罗斯个人退休账户可能是一个可以考虑的选择. Read on to learn more about how doing this may benefit both of you.
设立罗斯个人退休账户的规则. If your teen has an earned income, you may be able to set up a Roth IRA for them. 例如, 如果你15岁的孩子挣了7美元,我在暑期打工挣了5000美元, 你可以为他们设立一个最高7美元的账户,000(每年Roth IRA供款上限). 金额不能超过青少年的收入. Keep in mind that money that you contribute to the Roth IRA can count as a gift within your $18,每年赠与税减免($36,000(已婚夫妇).1
展望未来. If money is withdrawn from a Roth IRA before age 59½, a 10% federal tax penalty may apply. 然而，有一个明显的例外. 最高10美元,000 of investment earnings can be taken out of a Roth IRA at any time if the money is used to buy a first home. In this instance, the 国税局 may waive the early withdrawal penalty. 你的青少年应该有一天成为父母吗, a portion of those Roth IRA assets might also be utilized to pay college tuition costs for themself or their child.2,3
本文仅供参考. 它不能代替现实生活中的建议, so make sure to consult your tax professional before modifying any Roth IRA strategy. 税-free and penalty-free withdrawals also can be taken under circumstances other than first-home purchases, 比如房主去世了. The original Roth IRA owner is not required to take minimum annual withdrawals. To qualify for the tax-free and penalty-free withdrawal of earnings, the teenager must meet a five-year holding requirement and occur after age 59½.
Greater earning potential, thanks to the magic of compound interest. Setting up a Roth IRA for a teenager is a great way to introduce them to basic financial concepts, 比如复利. Giving your teen a hands-on learning experience may help them understand the value of saving for the future. You may also be facilitating the development of your children’s or grandchildren’s financial habits.
There are a few things to consider when setting up a custodial Roth IRA. Setting up a Roth IRA for a minor is often referred to as a custodial IRA. Until the child is able to take it over, you act as the custodian of the account. Individual state laws determine when the minor child is able to take over management of the Roth IRA for themselves.
A tax professional can provide guidance that may help ensure that you and your minor child are following all federal and state regulations.
1. Investopedia.网站，2024年1月28日
2. 国税局.政府,2024
3. 国税局.政府,2024
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