罗斯儿童个人退休账户

Small business owners may find it challenging to find ways to provide additional benefits to their children who work for the company. One often overlooked choice is including a Roth individual retirement account (IRA) as part of their compensation, a strategy that offers the potential to benefit both the children and the business.

Small businesses play a significant role in labor markets. 他们雇佣了61人.700万美国人，46.占所有私营部门雇员的4%. Over the period from 1995 to the present, small businesses have been responsible for generating 17.3 million net new jobs, which accounts for an impressive 62.占1995年以来新增就业的7%.¹

罗斯个人退休账户的基本知识

A Roth IRA is a tax-advantaged investment account that allows individuals to contribute after-tax income. 不像传统的个人退休账户, 罗斯个人退休账户的捐款是不能抵税的, as their advantage lies in the tax-free growth potential and tax-free withdrawals in retirement.

Roth IRA contributions are phased out for taxpayers with adjusted gross incomes (AGIs) above a certain amount. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. 税-free and penalty-free withdrawals can also be taken under certain other circumstances, 比如房主去世了. The original Roth IRA owner is not required to take minimum annual withdrawals.

利用罗斯个人退休账户进行补偿

To contribute to a Roth IRA, the working family member must have earned income. This requirement creates a unique opportunity for small business owners to include their children as employees and compensate them accordingly. 在这个场景中, the fact that the child is likely in a very low tax bracket is an advantage, 这意味着预付的比例更小.

为未来打好基础

Not everyone knows that Roth IRA funds can be used for various purposes before the age of 59½, 比如买第一套房子, 支付教育费用, 甚至支付医疗费用. Consistent contributions from a young age can accumulate into a substantial account. Imagine that a child starts working at 8 and continues until 16, 小企业向罗斯个人退休账户缴款. 成年后, the child could have a sizable sum saved for milestones such as purchasing a house or funding a college education.

播种经济上的成功

虽然最初的贡献可能看起来很小, the long-term benefits of including a Roth IRA in a child’s compensation package are significant. It not only establishes a solid financial foundation but also instills valuable lessons about saving, 投资, 为未来做准备. 通过一个金融专业人士, parents can ensure that their children receive guidance as they transition into adulthood.

为下一代做准备

Managing money for the next generation has gained considerable attention in recent years. As businesses and families prepare their financial legacies, strategies such as including a Roth IRA in compensation packages are becoming increasingly popular. 通过与金融专业人士合作, families can navigate the complexities of wealth management. 如果你拥有一家小公司, including a Roth IRA in your children’s compensation package could be a game-changer. With the potential for tax-free growth and a range of permitted uses, this strategy can provide numerous benefits and potentially greater financial success.

1. 宣传.小企业管理局.2023年3月7日

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