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Of course, with both types of IRAs, you pay no taxes whatsoever on all of the growth of your contributed funds, as long as they remain in the account.
Tax credits are usually more elusive and not as easy to claim as tax deductions – but they are much better, because they always reduce your taxes. If you have the opportunity to take a $5,000 tax credit or a $5,000 tax deduction, the credit is the better deal. Say you have a tax bill of $10,000. The deduction would lower your taxable income by $5,000; so, if you were in the 25% tax bracket, your taxes would be reduced by $1,250 to $8,750. A credit would directly lower the tax due to $5,000, and that’s regardless of your bracket.
Anyone with earned income who is younger than 70½ can contribute to a Traditional IRA. Whether the contribution is tax deductible depends on your income and whether you or your spouse (if you’re married) are covered by a retirement plan through your job, such as a 401(k). Click here for details from the IRS.
Still, you can ask yourself some basic questions about your personal situation: Which federal tax bracket are you in today? Do you expect to be in a higher or lower one after you retire? Will your annual income increase or decrease? Although conventional wisdom suggests that gross income declines in retirement, taxable income sometimes does not. Think about it. You’ll be collecting (and owing taxes on) Social Security payments. You might opt to do some consulting or free-lance work, on which you’ll have to pay self-employment tax. And once the kids are grown and you stop adding to the retirement nest egg, you lose some valuable tax deductions and tax credits. All this could leave you with higher taxable income, even after you stop working full-time.
Both Traditional and Roth IRAs allow owners to begin taking penalty-free, “qualified” distributions at age 59½. However, Roth IRAs require that the first contribution be made at least five years before the first withdrawal, in order to avoid incurring a tax payment. If you meet that benchmark (and you only have to meet it once), you will have only paid taxes on what went into the account, not the sum you eventually take out.
Deciding between a Traditional or Roth IRA depends, basically, on how you think your income – and by extension, your income tax bracket – will compare to your current situation. In effect, you’re trying to determine whether the tax rate you pay on your Roth IRA contributions today will be greater or smaller than the rate you’ll be paying on distributions from your Traditional IRA after you’ve retired (or have to start making them, at age 70½).
Roth IRAs don’t have age restrictions, but they do have income-eligibility restrictions: Single tax filers, for instance, must have modified adjusted gross incomes of less than $133,000 in 2017 to contribute to a Roth IRA. (Contribution limits are phased out starting with a modified AGI of $118,000, per IRS guidelines.) Married couples filing jointly must have modified AGIs of less than $196,000 in 2017 in order to contribute to a Roth; contribution limits are phased out starting at $186,000.
Both Traditional and Roth IRAs provide generous tax breaks. But it’s a matter of timing when you get to claim them. Traditional IRA contributions are tax-deductible on both state and federal tax returns for the year you make the contribution; withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free. So with Traditional IRAs, you avoid taxes when you put the money in. With Roth IRAs, you avoid taxes when you take it out in retirement.
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Expectations were high coming into 2013 for these "read-option teams," as some have called them. Beyond that, the big question was also: Who else would incorporate more of the read-option in 2013? Surely, it couldn't be limited to that trio.
Knowing every defensive coordinator likely watched all 490 of the zone-read runs from 2012, is it simply that coaches have successfully devised a way to defeat the read-option now that the element of surprise is gone?
But through five weeks, it's hard to say any of these quarterbacks -- all three have experienced a double-digit drop in their QBR -- and offenses are having the results expected of them. And when it comes to the read-option, they are not alone. The league-wide average yards gained on read-option runs has dropped from 6.4 in 2012 to 4.6 this season, according to ESPN Stats & Information.
The difference last season was the read-option was being used by successful teams that made the playoffs. And it was being executed by exciting new quarterbacks like Robert Griffin III, Colin Kaepernick and Russell Wilson.
Washington unveiled it right away in Week 1 last season, and Griffin and rookie running back Alfred Morris had historic rookie seasons. Meanwhile, the 49ers and Seahawks mixed it in later as Wilson's numbers (both passing and running) exploded and San Francisco reached the Super Bowl. These three teams had the most efficient rushing offenses in 2012 according to Football Outsiders' DVOA system (explained here).
Last season the read-option became the NFL's biggest trend since the Wildcat. It's not that it was anything new. Just watch the 2006 Atlanta Falcons or the 2011 Denver Broncos with Tim Tebow or Cam Newton's rookie season in Carolina, and you will see the offensive look predating its 2012 "breakout."
Teams are using it more -- on 3.7 percent of all plays compared to 1.4 percent last season -- but the effectiveness has not been the same, at least in the run game.
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However, you may not always have this opportunity. If your vested 401(k) balance is $5,000 or less, your employer can require you to take your money out of the plan when you leave the company. (Your vested 401(k) balance consists of anything you've contributed to the plan, any employer contributions you have the right to receive, and any investment earnings on these contributions.) Your employer may also require that you withdraw your funds once you reach the plan's normal retirement age.
As you consider your options, keep in mind that one of the greatest advantages of a 401(k) plan is that it allows you to save for retirement on a tax-deferred (or in the case of Roth accounts, potentially tax-free) basis. When changing jobs, it's essential to consider the continued tax-deferral of these retirement funds, and, if possible, to avoid current taxes and penalties that can eat into the amount of money you've saved.
You can also roll over ("convert") your non-Roth 401(k) money to a Roth IRA. The taxable portion of your distribution from the 401(k) plan will be included in your income at the time of the rollover.
Finally, no matter which option you choose, you may want to discuss your particular situation with a tax professional (as well as your plan administrator) before deciding what to do with the funds in your 401(k).
Higher the volatility of the underlying, the more will be the value of the option as there is a greater probability of the option expiring in the money
November 17, 2016 By Michael Jarvis 9 Comments
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New academic research conducted by Professors Michael L. Hemler, University of Notre Dame’s Mendoza College of Business, and Thomas W. Miller, Jr., Mississippi State University, show that some options-based portfolio strategies outperform long stock.
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The Options Industry Council (OIC), an industry resource funded by OCC and the U.S. options exchanges, announced the results of a study, How Financial Advisors Use and Think About Exchange-Listed Options.