为未成年人开设监护IRA

如果你’经历过公立(甚至私立)学校系统,您知道 学校不教授个人理财.




如果您有孩子,并且阅读过个人理财博客,那么您也知道,在生活中您可以教与学的最有价值的技能包括个人理财,延迟满足感和 复利的力量.

他们赢了’如今,通过将他们的积蓄存入银行帐户(利率极低),可以了解复利的真正威力。而且你可以’将他们的储蓄添加到您自己的投资帐户中,而无需纳税。那么,哪里可以转一圈呢?

A 保管 IRA!

今天我们’讨论未成年人的退休帐户– otherwise known as 保管 退休帐户, how they work, 和 when they can be contributed to. I thought it would be easiest to go through a list of questions I had about 保管 退休帐户 和 the answers I found.

什么是监护IRA?

简单来说,监护IRA是指有收入的未成年人的IRA。 IRA以未成年人的名义开放(以其社会安全号码为准),但由监护人(通常是父母,祖父母或法定监护人)管理,通常直到未成年人达到18或21岁(根据州规定而有所不同) )。那时,未成年人承担了对监护IRA的控制,“custodial” tag is removed.

托管人无论出于何种原因都无法从其管理的帐户中提取或提取资金。它是未成年人的财产。




监护IRA与常规IRA有何不同?

Really not at all other than the whole 保管 thing. You can open either a Roth 要么 Traditional 保管 IRA.

爱尔兰共和军最大贡献 2020年和2021年两者的费用分别为6,000美元和 传统IRA 要么 罗斯IRA, up to their 收入 (which we’ll get to in a bit).

而且所有税收,罚款和提早退还的规则都是相同的。

您可能会遇到的唯一其他区别是不同的规则(即开户最低金额)或那里的各种IRA管理员收取的费用。

未成年人何时可以开始向IRA捐款?

这里’s the tricky part – contributions may not exceed the minors 收入 for the year. That doesn’t mean that the contributions have to come directly from that 收入, just that the total contributed cannot exceed what they earn for that tax year.

国税局定义“earned income” as wages, commissions, tips, salaries 和 self-employment income. So a minor could be a self-employed driveway shoveler at age 7, for example, 和 it could be considered 收入. Allowances for your household chores are generally not accepted to be 收入 by the IRS.

If the child receives IRS Forms W-2 要么 1099, you automatically have records of 收入. Otherwise, keep detailed records of how much money was earned when 和 from whom.

Investment 和 inheritance income is not considered to be 收入.

保管 IRA

罗斯诉传统监护IRA

When determining whether 要么 not to use a Roth 要么 Traditional 保管 IRA, consider that the main benefit of a 传统IRA is the ability to deduct taxes on contributions on your tax return. However, most minors don’t earn enough to even require filing taxes on 收入 (if the 受抚养未成年人的收入低于标准扣除额)。

Additionally any withdrawals will be taxed, 和 that just seems like a mess to deal with. Roth 保管 退休帐户 just make more sense for their ease of use.

可以使用监护IRA支付教育费用而无需罚款吗?

是。但是,传统的IRA提款需缴纳所得税。罗斯IRA的提款不是(捐款,不是收益)。

A 保管 IRA created for the purpose of paying for education expenses may not be the best idea. You should also compare with Coverdell教育储蓄账户529计划,如果您的长期目标是帮助孩子节省教育费用。

您在哪里可以开设监护IRA?

网上经纪人 offer 保管 退休帐户. Some will have account opening minimums that are lower than a standard IRA. 如果你 don’否则,您可能会假设标准

监管IRA讨论:

  • Are you currently a custodian 要么 did you have a 保管 IRA when you were a minor? What were the benefits?
  • 您还有什么其他考虑或问题的地方?

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