3 Eray Muhiim ah in La ogaado Marka Loo Eego IRAs-ta

Ma doonaysaa in aad bilowdo akoon hawlgabnimo oo cusub laakiin ma ogid meel aad ka bilowdo?

Fahamka taamamka/eray dhigyada maalgashiga aasaasiga ah waa tallaabada ugu horreysa ee muhiimka ah ee lagu maareynayo dhaqaalahaaga, qaasatan haddii aad ka fikirayso furashada akoon hawlgabnimmo sida Individual Retirement Account (IRA) (Akoon Hawlgabnimo oo Shakhsiyadeed) iyada oo loo marayo Washington’s Retirement Marketplace (Aalada Hawlgabnimada ee Washington). Waa kuwan qaar ka mid ah ereyada hawlgabnimada oo laga yaabo inaad aragto.

Isku Keenista Akoonooyinka ama "wareejinta akoonooyinka”: Isku keenista, ama “wareejinta akoonooyinka,” waa marka aad isku gayso dhammaan akoonooyinkaaga hawlgabnimada yaryar oo aad geliso hal akoon oo weyn. Inta badan, ku wareejinta akoonnadaada hawlgabnimada hal akoon waxay kaa caawin kartaa inaad kaydsato khidmaha adeegga iyo in aad si fiican u maareyso maalgelintaada.

Ka hubi IRA-gaaga ama bixiyaha qorshaha hawlgabnimada si aad u eegto inay ku bixiyaan akoon wareejin qorshahaaga hadda. Secure Retirement Plan (Qorshaha Hawlgabka Sugan, SRP ) ma bixiyo akoon wareejin

Korsocodka Culus: Korsocod kaculus waa marka ay lacagtaada ay kobcayso iyadoo oo kaliya aan ahayn siyaadada lacagta aad marka hore dhigtay, oo loo garan ogyahay lacagta aasaasiga ah, balse sido kale ay ku jirto lacagta kororka ah waqti kadib ku kordhaysa, taas oo sababaysa kayd badan waqti kadib.

Kala Qaadis: Intii aad ku maalgelin lahayd dhammaan lacagahaagakaliya hal nooc maalgashi ah, kala qaadista waxaa laga wadaa u qaybinta lacagahaaganoocyo maalgashi oo kala duwan. Tani waxay kaa caawinaysaa hoos u dhigista khatarta ah haddii hal maalgashi uu si fiican u shaqayn waayo. Si aad u ogaato wax badan oo ku saabsan istaraatijiyad kala qaadista maalgashigaada hawlgabnimada, la hadal xirfadle maaliyadeed si aad u aragto fursadahaaga.

Si aad u bilowdo inaad kaydsato wax badan oo lacagtaada hawlgabnimo ah, Isku day inaad furato IRA sida kuwa laga helo Washington’s Retirement Marketplace (Aalada Hawlgabnimada ee Washington). Laanta Sharci-dejinta Gobolka Washington waxay abuurtay Aalada Hawlgabnimada si aad wax uga soo gadan karto goobo gobolku xaqiijiyay, qorshooyinka kaydka hawlgabnimada oo qiimo jaban.