个人税务策略 - IRA【每天看一下 日久变专家】

IRA

如果您有工资收入或自营职业收入，可以通过向传统 IRA 或 Roth IRA 供款来建立避税投资。即使配偶的收入不多，您也仍可以向配偶 IRA 账户供款。所有 IRA 都推迟对 IRA 投资收入征税。

为了从 IRA 缴款中获得最大收益，请在年内尽早为 IRA 提供资金。此外，用另外的单独资金而不是 IRA 中的金额向 IRA 受托人付款。遵循这两条规则将有助于确保您从资金中获得尽可能多的延税收入。

Contribute to an IRA

If you have income from wages or self-employment income, you can build tax-sheltered investments by contributing to a traditional or a Roth IRA. You may also be able to contribute to a spousal IRA even if the spouse has little or no earned income. All IRAs defer the taxation of IRA investment income and in some cases contributions may be deductible or be withdrawn tax-free.

To get the most from IRA contributions, fund the IRA as early as possible in the year. Also, pay the IRA trustee out of separate funds, not out of the amount in the IRA. Following these two rules will help ensure that you get the most tax-deferred earnings possible from your money.