╨б╤Г╨┐╤А╤Г╨│╨░ ╨Ш╨а╨Р

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨Ш╨а╨Р?

╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ IRA ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤З╨░╤Б╤В╤М╤О ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ (IRA), ╨╜╨░ ╨║╨╛╤В╨╛╤А╤Л╨╣ ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨▓╨╜╨╛╤Б╨╕╤В ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╨╛╤В ╨╕╨╝╨╡╨╜╨╕ ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╨╡╤В ╤Б╨║╤А╨╛╨╝╨╜╨╛ ╨╕╨╗╨╕ ╨╜╨╡ ╨╕╨╝╨╡╨╡╤В ╨┤╨╛╤Е╨╛╨┤╨░. ╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╡ ╨┐╤А╨░╨▓╨╕╨╗╨░ IRA ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╕╤Б╨║╨╗╤О╤З╨╡╨╜╨╕╤П╨╝╨╕ ╨╕╨╖ ╤В╨╕╨┐╨╕╤З╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ IRA, ╨│╨┤╨╡ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨╡ ╨╗╨╕╤Ж╨╛ ╨┤╨╛╨╗╨╢╨╜╨╛ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨┤╨╛╤Е╨╛╨┤, ╤З╤В╨╛╨▒╤Л ╨▓╨╜╨╡╤Б╤В╨╕ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╤З╨╡╤В IRA.

╨н╤В╨╕ IRA ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╛╨▒╤Л╤З╨╜╤Л╨╝╨╕ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╝╨╕ IRA ╨╕╨╗╨╕ IRA Roth, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╡ ╨┐╨░╤А╤Л ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨┤╨╗╤П ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╨╕╨╝╨╡╤П ╨▓ ╨▓╨╕╨┤╤Г ╨┤╨╛╨╗╨│╨╛╤Б╤А╨╛╤З╨╜╤Л╨╣ ╨│╨╛╤А╨╕╨╖╨╛╨╜╤В. ╨Ъ╨░╨╢╨┤╨╛╨╝╤Г ╤Б╤Г╨┐╤А╤Г╨│╤Г ╨▓╤Л╨┤╨╡╨╗╤П╨╡╤В╤Б╤П ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╣ ╤Б╤З╨╡╤В IRA, ╨│╨┤╨╡ ╨║╨░╨╢╨┤╤Л╨╣ ╨╕╨╖ ╨╜╨╕╤Е ╨╝╨╛╨╢╨╡╤В ╨╡╨╢╨╡╨│╨╛╨┤╨╜╨╛ ╨▓╨╜╨╛╤Б╨╕╤В╤М 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨╜╨░ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╕ ╨╕╨╗╨╕ 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨║╨░╨╢╨┤╤Л╨╣, ╨╡╤Б╨╗╨╕ ╨╕╨╝ ╨▒╨╛╨╗╤М╤И╨╡ 50 ╨╗╨╡╤В. ╨Ю╨┤╨╜╨░╨║╨╛ ╨┤╨╛╤Е╨╛╨┤ ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨▒╤Л╤В╤М ╤А╨░╨▓╨╡╨╜ ╨╕╨╗╨╕ ╨┐╤А╨╡╨▓╤Л╤И╨░╤В╤М ╨┤╨╛╤Е╨╛╨┤, ╤Г╨║╨░╨╖╨░╨╜╨╜╤Л╨╣ ╨▓ ╨╛╨▒╨╛╨╕╤Е ╤Б╤З╨╡╤В╨░╤Е.

╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡

• ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨Ш╨а╨Р?
  • ╨б╤Г╨┐╤А╤Г╨│╨░ ╨Ш╤А╨░ ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╗╨░
  • ╨Я╤А╨░╨▓╨╕╨╗╨░
  • ╨Ю╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╤П ╨▓╨╖╨╜╨╛╤Б╨╛╨▓
  • ╨Э╨░╨╗╨╛╨│╨╛╨▓╤Л╨╣ ╨▓╤Л╤З╨╡╤В
  • ╨Я╨╡╤А╨╡╨║╨░╤В╤Л╨▓╨░╤В╤М
  • ╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨Ш╨а╨Р ╨┐╤А╨╛╤В╨╕╨▓ ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨Ш╨а╨Р
  • ╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)
  • ╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨Ъ╨╗╤О╤З╨╡╨▓╤Л╨╡ ╨▓╤Л╨▓╨╛╨┤╤Л

• ╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П IRA тАФ ╤Н╤В╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╨░╤П ╤Б╤В╤А╨░╤В╨╡╨│╨╕╤П, ╨┐╤А╨╕ ╨║╨╛╤В╨╛╤А╨╛╨╣ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨╝╨╛╨╢╨╡╤В ╨▓╨╜╨╡╤Б╤В╨╕ ╨▓╨║╨╗╨░╨┤ ╨▓ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╤Б╤З╨╡╤В ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░ (IRS).
• ╨з╤В╨╛╨▒╤Л ╨╕╨╝╨╡╤В╤М ╨┐╤А╨░╨▓╨╛ ╤Г╤З╨░╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨▓ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╤П╤Е ╤Б╨▓╨╛╨╕╤Е ╤Б╤Г╨┐╤А╤Г╨│╨╛╨▓, ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╡ ╨┐╨░╤А╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╨╛ ╨┐╨╛╨┤╨░╨▓╨░╤В╤М ╨╡╨╢╨╡╨│╨╛╨┤╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕.
• ╨Э╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╤Г╤О╤Й╨╡╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╤Б╤З╨╡╤В ╤Б╤З╨╕╤В╨░╨╡╤В╤Б╤П ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╝ ╤Б╤З╨╡╤В╨╛╨╝. ╨Я╨╛╤В╨╛╨╗╨╛╨║ ╨▓╨╖╨╜╨╛╤Б╨░ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨╜╨░ ╤З╨╡╨╗╨╛╨▓╨╡╨║╨░ ╨╝╨╛╨╗╨╛╨╢╨╡ 50 ╨╗╨╡╤В ╨╕ 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨┤╨╗╤П ╨╗╨╕╤Ж ╤Б╤В╨░╤А╤И╨╡ ╤Н╤В╨╛╨│╨╛ ╨▓╨╛╨╖╤А╨░╤Б╤В╨░.
• ╨Э╨╡╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨╛╨▒╨╗╨░╨┤╨░╨╡╤В ╨░╨▒╤Б╨╛╨╗╤О╤В╨╜╤Л╨╝ ╨┐╤А╨░╨▓╨╛╨╝ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨╕ ╨╝╨╛╨╢╨╡╤В ╨▓╤Л╨▒╨╕╤А╨░╤В╤М ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╨╛╨▓ ╨▒╨╡╨╖ ╤Б╨╛╨│╨╗╨░╤Б╨╕╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░-╨▓╨║╨╗╨░╨┤╤З╨╕╨║╨░.

╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨Ш╨а╨Р ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╗╨░

╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П IRA тАФ ╤Н╤В╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╨░╤П ╤Б╤В╤А╨░╤В╨╡╨│╨╕╤П, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╡╨╝╤Г ╤Б╤Г╨┐╤А╤Г╨│╤Г ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨▓╨║╨╗╨░╨┤ ╨╛╤В ╨╕╨╝╨╡╨╜╨╕ ╤Б╤Г╨┐╤А╤Г╨│╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨░╨║╤В╨╕╤З╨╡╤Б╨║╨╕ ╨╜╨╡ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╨╡╤В. ╨б╨╗╨╡╨┤╤Г╨╡╤В ╨╛╤В╨╝╨╡╤В╨╕╤В╤М, ╤З╤В╨╛ ╨▓╨║╨╗╨░╨┤╤Л ╨╛╨▒╨╛╨╕╤Е ╤Б╤Г╨┐╤А╤Г╨│╨╛╨▓ ╨╜╨╡ ╤Г╤З╨╕╤В╤Л╨▓╨░╤О╤В╤Б╤П ╨╜╨░ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╨╛╨╝ ╤Б╤З╨╡╤В╨╡. ╨Т╨╝╨╡╤Б╤В╨╛ ╤Н╤В╨╛╨│╨╛ ╨┤╨╗╤П ╨╛╨▒╨╡╨╕╤Е ╤Б╤В╨╛╤А╨╛╨╜ ╨▓╤Л╨┤╨╡╨╗╤П╤О╤В╤Б╤П ╨┤╨▓╨╡ ╨╛╤В╨┤╨╡╨╗╤М╨╜╤Л╨╡ ╤Г╤З╨╡╤В╨╜╤Л╨╡ ╨╖╨░╨┐╨╕╤Б╨╕.

╨н╤В╨╛ ╤В╨╕╨┐╨╕╤З╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ IRA, ╨┐╤А╨╡╨┤╨╜╨░╨╖╨╜╨░╤З╨╡╨╜╨╜╤Л╨╡ ╨┤╨╗╤П ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╤Е ╨╗╨╕╤Ж. ╨Ф╨╗╤П IRA ╨╜╨╡╤В ┬л╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛┬╗ ╨╕╨╗╨╕ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░. ╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ IRA — ╤Н╤В╨╛, ╨┐╨╛ ╤Б╤Г╤В╨╕, ╤Б╤Г╨┐╤А╤Г╨│, ╨▓╨╜╨╛╤Б╤П╤Й╨╕╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╤З╨╡╤В ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░, ╨░ ╨╜╨╡ ╨┤╨╡╨╗╨░╤О╤Й╨╕╨╣ ╤Н╤В╨╛ ╤Б╨░╨╝╨╛╤Б╤В╨╛╤П╤В╨╡╨╗╤М╨╜╨╛.

╨з╤В╨╛╨▒╤Л ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨┐╤А╨░╨▓╨╕╨╗╨░╨╝ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛ IRA, ╨┐╨░╤А╨░ ╨┤╨╛╨╗╨╢╨╜╨░ ╨┐╨╛╨┤╨░╨▓╨░╤В╤М ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╤Л╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕ ╨▓╨╛ ╨▓╤А╨╡╨╝╤П ╨╡╨╢╨╡╨│╨╛╨┤╨╜╨╛╨╣ ╨┐╨╛╨┤╨░╤З╨╕ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╤Е ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╣. ╨Ш╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╕ ╨▓ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╤Г╤О IRA ╤А╨░╤Б╤В╤Г╤В ╨╜╨░ 6% ╨▓ ╨│╨╛╨┤ ╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╢╨╕╨╖╨╜╨╡╤Б╨┐╨╛╤Б╨╛╨▒╨╜╤Л╨╝ ╨╕╤Б╤В╨╛╤З╨╜╨╕╨║╨╛╨╝ ╨▒╨╡╨╖╤А╨╕╤Б╨║╨╛╨▓╤Л╤Е ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╨┤╨╗╤П ╨┐╨░╤А╤Л, ╨│╨╛╤В╨╛╨▓╤П╤Й╨╡╨╣╤Б╤П ╨║ ╨▓╤Л╤Е╨╛╨┤╤Г ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨▒╨░╨╜╨║╨╕, ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╤Б╨╛╤О╨╖╤Л, ╨▒╤А╨╛╨║╨╡╤А╤Б╨║╨╕╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨╕ ╤Б╤Б╤Г╨┤╨╛-╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╡ ╨░╤Б╤Б╨╛╤Ж╨╕╨░╤Ж╨╕╨╕, ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╤Д╨╡╨┤╨╡╤А╨░╨╗╨░╨╝╨╕, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В IRA ╨┐╨╛╤Б╨╗╨╡ ╤Б╨╛╤А╤В╨╕╤А╨╛╨▓╨║╨╕ ╤Б ╨╛╨┤╨╛╨▒╤А╨╡╨╜╨╕╤П ╨б╨╗╤Г╨╢╨▒╤Л ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╨╕╤Е ╨┤╨╛╤Е╨╛╨┤╨╛╨▓ (IRS).

╨Я╤А╨░╨▓╨╕╨╗╨░

╨Я╤А╨╕ ╨┐╨╛╨┤╨░╤З╨╡ ╨╖╨░╤П╨▓╨║╨╕ ╨╕╨╗╨╕ ╨▓╨╜╨╡╤Б╨╡╨╜╨╕╨╕ ╨▓╨║╨╗╨░╨┤╨░ ╨▓ IRA ╨┐╨╛╨╗╨╡╨╖╨╜╨╛ ╨╖╨╜╨░╤В╤М ╨┐╤А╨░╨▓╨╕╨╗╨░, ╤Г╨┐╨╛╨╝╤П╨╜╤Г╤В╤Л╨╡ ╨╜╨╕╨╢╨╡:

#1 тАУ ╨С╨╡╨╖ ╨▓╨╛╨╖╤А╨░╤Б╤В╨╜╤Л╤Е ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╨╣

╨Э╨╡╤В ╨╜╨╕╨║╨░╨║╨╕╤Е ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╨╣ ╤Б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╨▓╨╛╨╖╤А╨░╤Б╤В╨╜╤Л╤Е ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│╨╛╨▓ IRA. ╨Э╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╨▓╨╛╨╖╤А╨░╤Б╤В╨░, ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤В╤М ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╤З╨╡╤В╨░ ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░, ╨┐╨╛╨║╨░ ╨╛╨┤╨╕╨╜ ╨╕╨╖ ╨╜╨╕╤Е ╤А╨░╨▒╨╛╤В╨░╨╡╤В.

#2 тАУ ╨Я╨╛╨┤╨░╤З╨░ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╤Л╤Е ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╣

╨з╤В╨╛╨▒╤Л ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨┐╤А╨░╨▓╨╕╨╗╨░╨╝ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛ IRA, ╨┐╨░╤А╨░ ╨┤╨╛╨╗╨╢╨╜╨░ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╨╛ ╨┐╨╛╨┤╨░╨▓╨░╤В╤М ╨╡╨╢╨╡╨│╨╛╨┤╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕.

тДЦ3 тАУ ╨С╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А

╨Э╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤В╨╛╨│╨╛, ╨║╤В╨╛ ╨▓╨╜╨╛╤Б╨╕╤В ╨▓╨║╨╗╨░╨┤ ╨▓ IRA, ╤З╨╡╨╗╨╛╨▓╨╡╨║ ╨▒╤Г╨┤╨╡╤В ╤А╨╡╤И╨░╤В╤М, ╨║╤В╨╛ ╨┐╨╛╨╗╤Г╤З╨╕╤В ╤Б╤Г╨╝╨╝╤Г ╨▓ ╤Б╨╗╤Г╤З╨░╨╡ ╤Б╨╝╨╡╤А╤В╨╕ ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░ ╤Б╤З╨╡╤В╨░. ╨Э╨╡╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╡╨╝╤Г ╤Б╤Г╨┐╤А╤Г╨│╤Г ╨╜╨╡ ╨╜╤Г╨╢╨╜╨╛ ╤Г╨║╨░╨╖╤Л╨▓╨░╤В╤М ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╨░ IRA. ╨Ю╨╜╨╕ ╨╝╨╛╨│╤Г╤В ╨╜╨░╨╖╨▓╨░╤В╤М ╨║╨╛╨│╨╛-╤В╨╛ ╨╡╤Й╨╡ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╨░ ╨▒╨╡╨╖ ╤Б╨╛╨│╨╗╨░╤Б╨╕╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░.

#4 тАУ ╨Я╤А╨░╨▓╨╛ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╨╕

╨Т╨╗╨░╨┤╨╡╨╗╨╡╤Ж ╤Б╤З╨╡╤В╨░ ╨╛╨▒╨╗╨░╨┤╨░╨╡╤В ╨░╨▒╤Б╨╛╨╗╤О╤В╨╜╤Л╨╝╨╕ ╨┐╨╛╨╗╨╜╨╛╨╝╨╛╤З╨╕╤П╨╝╨╕ ╨┐╨╛ ╨┐╤А╨╕╨╜╤П╤В╨╕╤О ╤А╨╡╤И╨╡╨╜╨╕╨╣, ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤В╨╛╨│╨╛, ╨║╤В╨╛ ╨▓╨╜╨╛╤Б╨╕╤В ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨╡ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡.

╨Ю╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╤П ╨▓╨╖╨╜╨╛╤Б╨╛╨▓

╨Я╤А╨╡╨┤╨╡╨╗╤Л ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛ IRA ╤В╨░╨║╨╕╨╡ ╨╢╨╡ ╤Б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╨▓╨║╨╗╨░╨┤╨░, ╨║╨░╨║ ╨╕ ╨╗╤О╨▒╨╛╨╣ ╨┤╤А╤Г╨│╨╛╨╣ IRA. 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨┤╨╗╤П ╨║╨░╨╢╨┤╨╛╨│╨╛ ╤З╨╡╨╗╨╛╨▓╨╡╨║╨░ ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╤Л╨╝ ╨▓╨║╨╗╨░╨┤╨╛╨╝. ╨Ю╨┤╨╜╨░╨║╨╛, ╨╡╤Б╨╗╨╕ ╤З╨╡╨╗╨╛╨▓╨╡╨║ ╤Б╤В╨░╤А╤И╨╡ 50 ╨╗╨╡╤В ╨╕ ╤Б╤В╨░╤А╤И╨╡, ╨╛╨╜ ╨╝╨╛╨╢╨╡╤В ╨╡╨╢╨╡╨│╨╛╨┤╨╜╨╛ ╨▓╨╜╨╛╤Б╨╕╤В╤М 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. IRS ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨║╨░╨╢╨┤╨╛╨╝╤Г ╤Б╤Г╨┐╤А╤Г╨│╤Г ╨╡╨╢╨╡╨│╨╛╨┤╨╜╨╛ ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨╗╨╕╨╝╨╕╤В╨░. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨╝╨╛╨╢╨╡╤В ╨▓╨╜╨╡╤Б╤В╨╕ ╨╝╨░╨║╤Б╨╕╨╝╤Г╨╝ 12 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨▓ ╤Б╤З╨╡╤В IRA ╨╜╨░ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ ╨╕ ╨╝╨░╨║╤Б╨╕╨╝╤Г╨╝ 14 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р, ╨╡╤Б╨╗╨╕ ╨╡╨╝╤Г ╨╕╤Б╨┐╨╛╨╗╨╜╨╕╨╗╨╛╤Б╤М 50 ╨╗╨╡╤В ╨╕ ╤Б╤В╨░╤А╤И╨╡.

╨Э╨░╨╗╨╛╨│╨╛╨▓╤Л╨╣ ╨▓╤Л╤З╨╡╤В

╨Я╤А╨░╨▓╨╕╨╗╨░ ╨╜╨░╨╗╨╛╨│╨╛╨▓╨╛╨│╨╛ ╨▓╤Л╤З╨╡╤В╨░ ╨┤╨╗╤П ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛ IRA ╨╕╨┤╨╡╨╜╤В╨╕╤З╨╜╤Л ╨┐╤А╨░╨▓╨╕╨╗╨░╨╝ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨│╨╛ IRA. ╨Ю╨┤╨╜╨░╨║╨╛ ╨┤╨╗╤П ╨┐╨░╤А╤Л, ╨┐╨╛╨┤╨░╤О╤Й╨╡╨╣ ╤Б╨▓╨╛╨╕ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕, ╨│╨┤╨╡ ╤А╨░╨▒╨╛╤В╨░╨╡╤В ╤В╨╛╨╗╤М╨║╨╛ ╨╛╨┤╨╕╨╜, ╨▓╤Л╤З╨╡╤В╤Л ╨╖╨░╨▓╨╕╤Б╤П╤В ╨╛╤В ╤В╨╛╨│╨╛, ╨┐╨╛╨║╤А╤Л╨▓╨░╨╡╤В ╨╗╨╕ ╨╕╤Е ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П ╨╕╤Е ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╗╨░╨╜.

╨Ф╨╗╤П ╤З╨╡╨╗╨╛╨▓╨╡╨║╨░, ╤З╨╡╨╣ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ ╨┐╨╛╨║╤А╤Л╨▓╨░╨╡╤В╤Б╤П ╨╡╨│╨╛ ╤А╨░╨▒╨╛╤З╨╕╨╝ ╨╝╨╡╤Б╤В╨╛╨╝, ╨┐╨╛╤Н╤В╨░╨┐╨╜╤Л╨╣ ╨╛╤В╨║╨░╨╖ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤В 116 000 ╨┤╨╛ 136 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨╡╤Б╨╗╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨╜╨╡ ╨┐╨╛╨║╤А╤Л╨▓╨░╨╡╤В ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╗╨░╨╜, ╨┤╨╕╨░╨┐╨░╨╖╨╛╨╜ ╨┐╨╛╤Н╤В╨░╨┐╨╜╨╛╨│╨╛ ╨╛╤В╨║╨░╨╖╨░ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤В 218 000 ╨┤╨╛ 228 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓.

╨Ф╨╕╨░╨┐╨░╨╖╨╛╨╜ ╨┐╨╛╤Н╤В╨░╨┐╨╜╨╛╨│╨╛ ╨╛╤В╨║╨░╨╖╨░ тАФ ╤Н╤В╨╛ ╨┐╤А╨░╨▓╨╛ ╨╜╨░╨╗╨╛╨│╨╛╨┐╨╗╨░╤В╨╡╨╗╤М╤Й╨╕╨║╨░ ╨╜╨░ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨╗╤М╨│╨╛╤В╤Л, ╨┐╨╛╤Б╤В╨╡╨┐╨╡╨╜╨╜╨╛ ╤Г╨╝╨╡╨╜╤М╤И╨░╤О╤Й╨╡╨╡╤Б╤П, ╨║╨╛╨│╨┤╨░ ╨╛╨╜╨╕ ╨┐╤А╨╕╨▒╨╗╨╕╨╢╨░╤О╤В╤Б╤П ╨║ ╨▓╨╡╤А╤Е╨╜╨╡╨╝╤Г ╨┐╤А╨╡╨┤╨╡╨╗╤Г ╨┤╨╛╤Е╨╛╨┤╨░, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╡╤В╨╡╨╜╨┤╨╛╨▓╨░╤В╤М ╨╜╨░ ╤В╨░╨║╤Г╤О тАЛтАЛ╨╗╤М╨│╨╛╤В╤Г.

╨Я╨╡╤А╨╡╨║╨░╤В╤Л╨▓╨░╤В╤М

╨Т ╤Б╨╗╤Г╤З╨░╨╡, ╨║╨╛╨│╨┤╨░ ╨▓╨╖╨╜╨╛╤Б╤Л IRA ╤Г╨╝╨╡╤А╤И╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨┐╨╡╤А╨╡╨┤╨░╤О╤В╤Б╤П ╨┐╨╡╤А╨╡╨╢╨╕╨▓╤И╨╡╨╝╤Г ╤Б╤Г╨┐╤А╤Г╨│╤Г ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╨░, ╤Н╤В╨╛ ╨╜╨░╨╖╤Л╨▓╨░╨╡╤В╤Б╤П ╨┐╤А╨╛╨╗╨╛╨╜╨│╨░╤Ж╨╕╨╡╨╣.

╨Ю╨┤╨╜╨░╨║╨╛ ╨╛╨╜╨╕ ╨╜╨╡ ╨╝╨╛╨│╤Г╤В ╤А╨░╤Б╤Б╨╝╨░╤В╤А╨╕╨▓╨░╤В╤М ╨▓╨╖╨╜╨╛╤Б╤Л, ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╛╤В ╤Б╨▓╨╛╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░, ╨║╨░╨║ ╤Б╨▓╨╛╨╕ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╡, ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛ ╨╡╤Б╨╗╨╕ ╨┐╨╡╤А╨╡╨╢╨╕╨▓╤И╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨╜╨╡ ╤Б╤В╨░╤А╤И╨╡ 72 ╨╗╨╡╤В. ╨б╨╛╨│╨╗╨░╤Б╨╜╨╛ RBD IRS ╨╕╨╗╨╕ ╤В╤А╨╡╨▒╤Г╨╡╨╝╨╛╨╣ ╨┤╨░╤В╨╡ ╨╜╨░╤З╨░╨╗╨░, ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨╡ ╨╗╨╕╤Ж╨╛ ╨┤╨╛╨╗╨╢╨╜╨╛ ╨┤╨╛╤Б╤В╨╕╤З╤М ╨▓╨╛╨╖╤А╨░╤Б╤В╨░ 72 ╨╗╨╡╤В, ╤З╤В╨╛╨▒╤Л ╨╕╨╝╨╡╤В╤М ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М ╨╜╨░╤З╨░╤В╤М ╨┐╨╛╤Б╤В╨╡╨┐╨╡╨╜╨╜╤Л╨╣ ╨▓╤Л╨▓╨╛╨┤ ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╤Б╨╛ ╤Б╨▓╨╛╨╕╤Е ╤Б╤З╨╡╤В╨╛╨▓ IRA.

╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨╛╨▒╤Й╨░╤П ╨┐╤А╨░╨║╤В╨╕╨║╨░ ╤Б╤А╨╡╨┤╨╕ ╨╛╤Б╤В╨░╨▓╤И╨╕╤Е╤Б╤П ╨▓ ╨╢╨╕╨▓╤Л╤Е ╤Б╤Г╨┐╤А╤Г╨│╨╛╨▓ ╤Б╨╛╤Б╤В╨╛╨╕╤В ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╡╤В╨╡╨╜╨┤╨╛╨▓╨░╤В╤М ╨╜╨░ ╨┐╤А╨░╨▓╨╛ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨╜╨░ IRA ╤Б╤Г╨┐╤А╤Г╨│╨░. ╨Т ╤Н╤В╨╛╨╝ ╤Б╨╗╤Г╤З╨░╨╡ ╤Б╤З╨╡╤В ╤Г╨╝╨╡╤А╤И╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨┤╨╛╨▒╨░╨▓╨╗╤П╨╡╤В╤Б╤П ╨║ ╨░╨║╤В╨╕╨▓╨░╨╝ ╨╛╤Б╤В╨░╨▓╤И╨╡╨│╨╛╤Б╤П ╨▓ ╨╢╨╕╨▓╤Л╤Е ╨┐╨░╤А╤В╨╜╨╡╤А╨░.

╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨Ш╨а╨Р ╨┐╤А╨╛╤В╨╕╨▓ ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨Ш╨а╨Р

╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ IRA ╨╕ ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╤Л╨╣ IRA ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╤З╨░╤Б╤В╤П╨╝╨╕ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░. ╨Ю╨┤╨╜╨░╨║╨╛ ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В ╤А╨░╨╖╨╗╨╕╤З╨╕╤П ╨▓ ╨▓╨╖╨╜╨╛╤Б╨░╤Е, ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨╕ ╨┤╤А╤Г╨│╨╕╤Е ╤Д╨░╨║╤В╨╛╤А╨░╤Е. ╨Ф╨░╨▓╨░╨╣╤В╨╡ ╤А╨░╨╖╨▒╨╡╤А╨╡╨╝╤Б╤П ╨▓ ╤А╨░╨╖╨╗╨╕╤З╨╕╤П╤Е ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╤В╨░╨▒╨╗╨╕╤Ж╤Л ╨╜╨╕╨╢╨╡:

╨Ю╤Б╨╜╨╛╨▓╨░╨б╤Г╨┐╤А╤Г╨│╨░ ╨Ш╨а╨Р╨г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╨░╤П ╨Ш╨а╨Р╨Ю╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╨╡╨н╤В╨╛ ╤Б╤З╨╡╤В IRA, ╨│╨┤╨╡ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨▓╨╜╨╛╤Б╨╕╤В ╤Б╨▓╨╛╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╨╡╤В ╤Б╨║╤А╨╛╨╝╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨╕╨╗╨╕ ╨╜╨╡ ╨┐╨╛╨╗╤Г╤З╨░╨╡╤В ╨╡╨│╨╛ ╨▓╨╛╨╛╨▒╤Й╨╡. ╨г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╤Л╨╣ IRA ╨╜╨░╤З╨╕╨╜╨░╨╡╤В╤Б╤П, ╨║╨╛╨│╨┤╨░ ╨┐╨╡╤А╨▓╨╛╨╜╨░╤З╨░╨╗╤М╨╜╤Л╨╣ ╨▓╨╗╨░╨┤╨╡╨╗╨╡╤Ж IRA ╤Б╨║╨╛╨╜╤З╨░╨╗╤Б╤П. ╨н╤В╨╛ ╨╛╤Б╤Г╤Й╨╡╤Б╤В╨▓╨╗╤П╨╡╤В╤Б╤П ╤З╨╡╤А╨╡╨╖ ╨╕╤Е IRA ╨╕╨╗╨╕ ╨║╨░╨║ ╤З╨░╤Б╤В╤М ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨░ ╨╛╤В ╨╕╤Е ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П.╨Т╨╖╨╜╨╛╤Б╤Л╨Ч╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│ ╨╝╨╛╨╢╨╡╤В ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨▓╨╖╨╜╨╛╤Б╤Л ╨╜╨░ ╤Б╤З╨╡╤В IRA ╤Б╨▓╨╛╨╡╨│╨╛ ╨┐╨░╤А╤В╨╜╨╡╤А╨░ ╨┤╨╛ ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╨╛╨│╨╛ ╨│╨╛╨┤╨╛╨▓╨╛╨│╨╛ ╨╗╨╕╨╝╨╕╤В╨░. ╨Ы╨╕╤Ж╨╛, ╨║╨╛╤В╨╛╤А╨╛╨╡ ╨╜╨░╤Б╨╗╨╡╨┤╤Г╨╡╤В, ╨╜╨╡ ╨╝╨╛╨╢╨╡╤В ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╨▓╨╖╨╜╨╛╤Б╤Л ╨▓ ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╤Г╤О IRA.╨б╨╜╤П╤В╨╕╨╡╨б╤Г╨┐╤А╤Г╨│(╨░) ╨╝╨╛╨╢╨╡╤В ╨┐╨╛╤Б╤В╨╡╨┐╨╡╨╜╨╜╨╛ ╤Б╨╜╤П╤В╤М ╤Б╤Г╨╝╨╝╤Г ╤Б╨╛ ╤Б╨▓╨╛╨╡╨╣ IRA ╨┐╨╛╤Б╨╗╨╡ ╨┤╨╛╤Б╤В╨╕╨╢╨╡╨╜╨╕╤П ╨▓╨╛╨╖╤А╨░╤Б╤В╨░ 72 ╨╗╨╡╤В. ╨б╨╛╨│╨╗╨░╤Б╨╜╨╛ ╨╖╨░╨║╨╛╨╜╤Г SECURE ╨╛╤В 2019 ╨│╨╛╨┤╨░, ╨▒╨╡╨╜╨╡╤Д╨╕╤Ж╨╕╨░╤А╤Л, ╨╜╨╡ ╤П╨▓╨╗╤П╤О╤Й╨╕╨╡╤Б╤П ╤Б╤Г╨┐╤А╤Г╨│╨░╨╝╨╕ ╤Г╨╝╨╡╤А╤И╨╡╨│╨╛, ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨╜╤П╤В╤М ╤Б╤Г╨╝╨╝╤Г ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╡╤Б╤П╤В╨╕ ╨╗╨╡╤В.╨Т╨╗╨░╨┤╨╡╨╜╨╕╨╡╨н╤В╨╛ ╨╛╤В╨┤╨╡╨╗╤М╨╜╤Л╨╣ ╤Б╤З╨╡╤В ╨╜╨░ ╨╕╨╝╤П ╤З╨╡╨╗╨╛╨▓╨╡╨║╨░, ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤В╨╛╨│╨╛, ╨║╤В╨╛ ╨▓╨╜╨╛╤Б╨╕╤В ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╨╜╨░ ╤Б╤З╨╡╤В. ╨б╤Г╨┐╤А╤Г╨│╨╕ ╨╝╨╛╨│╤Г╤В ╨▓╤Л╨▒╤А╨░╤В╤М ╨┐╨╡╤А╨╡╨╜╨╛╤Б ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨╕╨╖ ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ IRA ╨▓ ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤Й╨╕╨╣ IRA ╨╕╨╗╨╕ ╨╛╤В╨║╤А╤Л╤В╤М ╨╛╤В╨┤╨╡╨╗╤М╨╜╤Л╨╣ ╤Б╤З╨╡╤В ╨┤╨╗╤П ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤Б╤Г╨╝╨╝╤Л. ╨Ф╨╗╤П ╨╗╨╕╤Ж, ╨╜╨╡ ╤П╨▓╨╗╤П╤О╤Й╨╕╤Е╤Б╤П ╤Б╤Г╨┐╤А╤Г╨│╨░╨╝╨╕, ╨▓╤Л╨┤╨╡╨╗╤П╨╡╤В╤Б╤П ╨╛╤В╨┤╨╡╨╗╤М╨╜╨░╤П ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╨░╤П ╤Г╤З╨╡╤В╨╜╨░╤П ╨╖╨░╨┐╨╕╤Б╤М IRA.╨Э╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╨╡╨Я╨╛╨║╨░ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨╡ ╨╗╨╕╤Ж╨╛ ╨╜╨╡ ╨┤╨╛╤Б╤В╨╕╨│╨╜╨╡╤В ╨▓╨╛╨╖╤А╨░╤Б╤В╨░ 72 ╨╗╨╡╤В, ╨╜╨░╨╗╨╛╨│ ╨╜╨╡ ╨▓╨╖╨╕╨╝╨░╨╡╤В╤Б╤П. ╨Ю╨┤╨╜╨░╨║╨╛ ╨┐╨╛╤Б╨╗╨╡ ╤Н╤В╨╛╨│╨╛ ╨║╨░╨╢╨┤╨╛╨╡ ╤А╨░╤Б╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╨╡ ╨╕╨╗╨╕ ╨╕╨╖╤К╤П╤В╨╕╨╡ ╨╛╨▒╨╗╨░╨│╨░╨╡╤В╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨╝. ╨г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╤Л╨╡ IRA ╨╕╨╝╨╡╤О╤В ╨╛╤В╤Б╤А╨╛╤З╨╡╨╜╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┐╨╛╤Б╨╗╨╡╨┤╤Б╤В╨▓╨╕╤П. ╨Я╨╛╤Н╤В╨╛╨╝╤Г ╤И╤В╤А╨░╤Д╤Л ╨╖╨░ ╨┤╨╛╤Б╤А╨╛╤З╨╜╨╛╨╡ ╤Б╨╜╤П╤В╨╕╨╡ ╨▓╨╖╨╕╨╝╨░╤О╤В╤Б╤П ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 10%. ╨в╨╡╨╝ ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡, ╨┐╤А╨░╨▓╨╕╨╗╨╛ ╨╛╤В╨╗╨╕╤З╨░╨╡╤В╤Б╤П ╨╛╤В ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╨╣ ╤Б ╨┐╨╡╤А╨▓╨╛╨╜╨░╤З╨░╨╗╤М╨╜╤Л╨╝ ╨┤╨╡╤А╨╢╨░╤В╨╡╨╗╨╡╨╝ ╨╕ ╨┐╨╡╤А╨╕╨╛╨┤╨╛╨╝ ╨┤╨╛ ╤А╨░╤Б╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤П ╨╕╨╗╨╕ ╤Б╨╜╤П╤В╨╕╤П ╤Б╤А╨╡╨┤╤Б╤В╨▓.

╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)

1. ╨Ъ╨░╨║ ╨╛╤В╨║╤А╤Л╤В╤М ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╤Г╤О ╨Ш╨Ш╨б?

╨Ы╤О╨▒╨╛╨╣, ╨║╤В╨╛ ╤Е╨╛╤З╨╡╤В ╨╛╤В╨║╤А╤Л╤В╤М ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ ╤Б╤З╨╡╤В IRA, ╨╝╨╛╨╢╨╡╤В ╤Б╨┤╨╡╨╗╨░╤В╤М ╤Н╤В╨╛ ╤Г ╨▒╤А╨╛╨║╨╡╤А╨░ IRA ╨╕╨╗╨╕ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨░ (╤З╨░╤Б╤В╨╛ ╨╜╨░╨╖╤Л╨▓╨░╨╡╨╝╨╛╨│╨╛ ╤А╨╛╨▒╨╛╤В╨╛╨╝-╨║╨╛╨╜╤Б╤Г╨╗╤М╤В╨░╨╜╤В╨╛╨╝). ╨Ъ╨░╨╜╨┤╨╕╨┤╨░╤В╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╨╛╤Б╨╜╨╛╨▓╨╜╤Г╤О ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤О, ╤В╨░╨║╤Г╤О тАЛтАЛ╨║╨░╨║ ╨┤╨░╤В╨░ ╤А╨╛╨╢╨┤╨╡╨╜╨╕╤П ╨╕ ╨╜╨╛╨╝╨╡╤А ╤Б╨╛╤Ж╨╕╨░╨╗╤М╨╜╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П. ╨б╤Г╨╝╨╝╨░, ╨▓╨╜╨╡╤Б╨╡╨╜╨╜╨░╤П ╨╜╨░ ╤Н╤В╨╛╤В ╤Б╤З╨╡╤В, ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╨▓╨╛╨╖╨▓╤А╨░╤В ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 6%.

2. ╨б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В ╨╗╨╕ ╨┐╤А╨╡╨┤╨╡╨╗╤Л ╨┤╨╛╤Е╨╛╨┤╨░ ╨┤╨╗╤П ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╛╨│╨╛ IRA?

╨Ф╨╛╤Е╨╛╨┤ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╤О╤Й╨╡╨│╨╛ ╨╕ ╨▓╨╜╨╛╤Б╤П╤Й╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╡╨▓╤Л╤И╨░╤В╤М ╨▓╨╜╨╛╤Б╨╕╨╝╤Г╤О ╤Б╤Г╨╝╨╝╤Г. ╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╡ ╨╗╨╕╨╝╨╕╤В╤Л IRA ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╤Л╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨▓ ╨│╨╛╨┤ ╨┤╨╗╤П ╨║╨░╨╢╨┤╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░. ╨Ю╨┤╨╜╨░╨║╨╛, ╨╡╤Б╨╗╨╕ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨╡ ╨╗╨╕╤Ж╨╛ ╤Б╤В╨░╤А╤И╨╡ 50 ╨╗╨╡╤В, ╨┤╨╛╨┐╤Г╤Б╨║╨░╨╡╤В╤Б╤П ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╤Л╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р.

3. ╨Ъ╤В╨╛ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ IRA?

╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨┐╨░╤А╨░ ╨┤╨╛╨╗╨╢╨╜╨░ ╨┐╨╛╨┤╨░╨▓╨░╤В╤М ╤Б╨▓╨╛╨╕ ╨╡╨╢╨╡╨│╨╛╨┤╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╨╛, ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤В╨╛╨│╨╛, ╨║╤В╨╛ ╨┤╨╡╨╗╨░╨╡╤В ╨▓╨╖╨╜╨╛╤Б╤Л ╨╜╨░ ╤Б╤З╨╡╤В, ╤З╤В╨╛╨▒╤Л ╨╕╨╝╨╡╤В╤М ╨┐╤А╨░╨▓╨╛ ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ IRA. ╨Т╨╛╨╖╤А╨░╤Б╤В╨╜╤Л╤Е ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╨╣ ╨┤╨╗╤П ╨▓╨╜╨╡╤Б╨╡╨╜╨╕╤П ╨▓╨║╨╗╨░╨┤╨╛╨▓ ╨╜╨╡╤В. ╨Ю╨┤╨╜╨░╨║╨╛ ╨▓╨╖╨╜╨╛╤Б╤Л ╨╜╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╡╨▓╤Л╤И╨░╤В╤М ╨┤╨╛╤Е╨╛╨┤, ╤Г╨║╨░╨╖╨░╨╜╨╜╤Л╨╣ ╨▓ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╤Л╤Е ╨╛╤В╤З╨╡╤В╨░╤Е.

4. ╨п╨▓╨╗╤П╨╡╤В╤Б╤П ╨╗╨╕ ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ IRA ╨╛╤В╨┤╨╡╨╗╤М╨╜╨╛╨╣ ╤Г╤З╨╡╤В╨╜╨╛╨╣ ╨╖╨░╨┐╨╕╤Б╤М╤О?

╨Ф╨░. ╨Э╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤В╨╛╨│╨╛, ╨║╤В╨╛ ╨▓╨╜╨╛╤Б╨╕╤В ╨▓╨║╨╗╨░╨┤ ╨▓ IRA, ╤Г╤З╨╡╤В╨╜╨░╤П ╨╖╨░╨┐╨╕╤Б╤М ╤А╨░╤Б╤Б╨╝╨░╤В╤А╨╕╨▓╨░╨╡╤В╤Б╤П ╨║╨░╨║ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨░╤П ╤Г╤З╨╡╤В╨╜╨░╤П ╨╖╨░╨┐╨╕╤Б╤М. ╨Ю╨┤╨╜╨░╨║╨╛, ╤З╤В╨╛╨▒╤Л ╨╕╨╝╨╡╤В╤М ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨▓╨║╨╗╨░╨┤ ╨╖╨░ ╨╜╨╡ ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╤О╤Й╨╡╨│╨╛ ╤Б╤Г╨┐╤А╤Г╨│╨░, ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨┐╨░╤А╨░ ╨┤╨╛╨╗╨╢╨╜╨░ ╨┐╨╛╨┤╨░╤В╤М ╤Б╨▓╨╛╨╕ ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╨╕, ╤З╤В╨╛╨▒╤Л ╨╕╨╝╨╡╤В╤М ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╤Н╤В╨╛.

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨н╤В╨░ ╤Б╤В╨░╤В╤М╤П ╨▒╤Л╨╗╨░ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛╨╝ ╨║ ╤В╨╛╨╝╤Г, ╤З╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨░╤П ╨Ш╨а╨Р. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨╛╨▒╤К╤П╤Б╨╜╤П╨╡╨╝ ╨╡╨│╨╛ ╨┐╤А╨░╨▓╨╕╨╗╨░, ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╤П ╨╕ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨▓╤Л╤З╨╡╤В╤Л ╨╕ ╤Б╤А╨░╨▓╨╜╨╕╨▓╨░╨╡╨╝ ╨╡╨│╨╛ ╤Б ╤Г╨╜╨░╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╜╤Л╨╝ IRA. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╛╨▒ ╤Н╤В╨╛╨╝ ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤Г╨╖╨╜╨░╤В╤М ╨╕╨╖ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╤Б╤В╨░╤В╨╡╨╣ тАФ

• ╨Ш╨а╨Р ╨┐╤А╨╛╤В╨╕╨▓ 401k
• ╨Ъ╨░╨╗╤М╨║╤Г╨╗╤П╤В╨╛╤А IRA ╨а╨╛╤В╨░
• ╨Р╨▒╤Н╨╜╨╛╨╝╨╕╨║╨░