Money Management Skills

(backadmin) #1


HPSOR\HU$QRWKHUDGYDQWDJHLVWKDW\RXFDQDJJUHJDWHDOORI\RXU


 N DFFRXQWVIURPSUHYLRXVMREVLQWRDVLQJOHUHWLUHPHQWDFFRXQW


% %HIRUH\RXRSHQDQ,5$FKRRVHDQLQYHVWPHQWFRPSDQ\WKDWRIIHUV


ORZIHHLQYHVWPHQWRSWLRQV7KHQ¿OORXWDUROORYHUIRUPWRWUDQVIHU


UHWLUHPHQWVDYLQJVLQWRDQ,5$0DNHVXUH\RXJHWVRPHRQHWRKHOS


\RXDQGQHYHUKDYHWKH N FRPSDQ\VHQG\RXDFKHFNEHFDXVH


\RX¶OOEHWD[HGRQWKHDPRXQWRIWKHFKHFNDVLI\RXKDGZLWKGUDZQ


LW-XVWWUDQVIHUWKHIXQGVGLUHFWO\IURPRQHWD[VKHOWHUHGDFFRXQW


WRDQRWKHU


% 7KHEHQH¿WVRID5RWK,5$DUHEDFNORDGHGWKH\PDLQO\RFFXU


LQWKHIXWXUH8QOLNHDWUDGLWLRQDO,5$\RXGRQRWJHWWRGHGXFW


WKHDPRXQWLQYHVWHGLQD5RWKIURP\RXULQFRPHWRGD\6R\RXU


FRQWULEXWLRQLVWD[DEOHWRGD\%XWZKHQ\RXWDNHWKHPRQH\RXW\RX


ZRQ¶WRZHDQ\WD[HV<RXZLOOKDYHWRSD\LQFRPHWD[HVZKHQ\RX


WDNHPRQH\RXWRI\RXUWUDGLWLRQDO,5$RU N 0DWKHPDWLFDOO\


it works out the same if you pay the same federal income taxes
EHIRUHDQGDIWHUUHWLUHPHQW%RWKW\SHVRI,5$DUHVKHOWHUHGIURP
WD[HVRYHUWLPH

% ,QDQ\W\SHRIVKHOWHUHGUHWLUHPHQWDFFRXQW\RXFDQWDNHWKHPRQH\
RXW ZLWKRXW SHQDOWLHV VWDUWLQJ DW DJH  DQG D KDOI %XW ZLWK D
WUDGLWLRQDO,5$RUD N \RXhave to begin taking money out
RIWKHDFFRXQWDWDJHDQGDKDOI7KDW¶VVRWKHJRYHUQPHQWFDQ
EHVXUHWKDW\RX¶OOSD\WD[RQWKHPRQH\HYHQWXDOO\7KHPRQH\
\RXKDYHWRWDNHRXWRIDUHWLUHPHQWDFFRXQWLVFDOOHGDUHTXLUHG
PLQLPXP GLVWULEXWLRQ 50'  ,W¶V D SHUFHQWDJH RI \RXU WRWDO
VDYLQJVEDVHGRQH[SHFWHGORQJHYLW\


% <RX¶OOSD\LQFRPHWD[HVRQWKH50'<RXFDQGRZKDWHYHU\RX
ZDQWZLWKWKHPRQH\\RXFDQVSHQGLWRU\RXFDQSXWLWEDFNLQWR
DQLQYHVWPHQWDFFRXQW%XW\RXGRKDYHWRSD\LQFRPHWD[HV:LWK
D5RWK,5$\RXGRQ¶WKDYHDQ\50'V<RXFDQNHHSVKHOWHULQJWKH
money as long as you like, you can choose when and how much to
WDNHRXWDQG\RXGRQ¶WKDYHWRSD\WD[HVRQZKDW\RXWDNHRXWDIWHU
DJHDQGDKDOI

Free download pdf