{"id":15610,"date":"2025-08-13T22:22:45","date_gmt":"2025-08-13T22:22:45","guid":{"rendered":"https:\/\/medbox.com\/?p=15610"},"modified":"2025-08-13T22:42:05","modified_gmt":"2025-08-13T22:42:05","slug":"regular-ira-vs-roth-ira-which-should-you-choose","status":"publish","type":"post","link":"https:\/\/medbox.com\/vi\/regular-ira-vs-roth-ira-which-should-you-choose\/","title":{"rendered":"IRA th\u00f4ng th\u01b0\u1eddng so v\u1edbi IRA Roth: B\u1ea1n n\u00ean ch\u1ecdn lo\u1ea1i n\u00e0o?"},"content":{"rendered":"<p>Khi <a href=\"https:\/\/medbox.com\/vi\/tips-for-building-retirement-savings\/\">ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed<\/a>M\u1ed9t trong nh\u1eefng c\u00e2n nh\u1eafc \u0111\u1ea7u ti\u00ean l\u00e0 n\u00ean \u0111\u1ea7u t\u01b0 v\u00e0o IRA truy\u1ec1n th\u1ed1ng hay Roth. M\u1eb7c d\u00f9 c\u1ea3 hai \u0111\u1ec1u mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch v\u1ec1 thu\u1ebf \u0111\u00e1ng k\u1ec3, nh\u01b0ng l\u1ee3i \u00edch n\u00e0y \u0111\u01b0\u1ee3c nh\u1eadn th\u1ea5y theo nh\u1eefng c\u00e1ch kh\u00e1c nhau v\u00e0 v\u00e0o nh\u1eefng th\u1eddi \u0111i\u1ec3m kh\u00e1c nhau.<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">Medbox: M\u1ed9t c\u00e1ch an to\u00e0n h\u01a1n \u0111\u1ec3 u\u1ed1ng thu\u1ed1c<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/vi\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"T\u00ecm hi\u1ec3u th\u00eam\" >\n\n          <span class=\"wrapp-title-link\">T\u00ecm hi\u1ec3u th\u00eam<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p>T\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n truy\u1ec1n th\u1ed1ng (IRA) mang l\u1ea1i l\u1ee3i \u00edch tr\u01b0\u1edbc thu\u1ebf, gi\u00fap b\u1ea1n gi\u1ea3m thu\u1ebf khi \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n. Roth IRA cho ph\u00e9p r\u00fat ti\u1ec1n mi\u1ec5n thu\u1ebf trong th\u1eddi gian ngh\u1ec9 h\u01b0u, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi l\u00e3i v\u1ed1n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf. Y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t c\u1ea7n c\u00e2n nh\u1eafc khi thi\u1ebft l\u1eadp IRA m\u1edbi l\u00e0 m\u1ee9c thu\u1ebf su\u1ea5t hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai d\u1ef1 ki\u1ebfn c\u1ee7a b\u1ea1n. H\u00e3y \u0111\u1ecdc ti\u1ebfp \u0111\u1ec3 t\u00ecm hi\u1ec3u nh\u1eefng kh\u00e1c bi\u1ec7t ch\u00ednh, t\u1eeb \u0111\u00f3 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n v\u1ec1 lo\u1ea1i IRA ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">IRA th\u00f4ng th\u01b0\u1eddng (truy\u1ec1n th\u1ed1ng) l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p>T\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n truy\u1ec1n th\u1ed1ng (IRA) l\u00e0 m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 h\u01b0u tr\u00ed \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u01b0u \u0111\u00e3i v\u1ec1 thu\u1ebf. C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o IRA truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf, t\u00f9y thu\u1ed9c v\u00e0o thu nh\u1eadp c\u1ee7a b\u1ea1n v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u01b0u tr\u00ed t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c m\u00e0 b\u1ea1n c\u00f3.<\/p>\n\n\n\n<p>C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n l\u00e0m gi\u1ea3m thu nh\u1eadp ch\u1ecbu thu\u1ebf c\u1ee7a b\u1ea1n trong n\u0103m, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u00e1ng k\u1ec3 ti\u1ec1n thu\u1ebf. C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0 thu nh\u1eadp t\u0103ng l\u00ean m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu b\u1ea5t k\u1ef3 kho\u1ea3n thu\u1ebf h\u00e0ng n\u0103m n\u00e0o. Thay v\u00e0o \u0111\u00f3, c\u00e1c kho\u1ea3n r\u00fat ti\u1ec1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n trong th\u1eddi gian ngh\u1ec9 h\u01b0u \u0111\u01b0\u1ee3c \u0111\u00e1nh thu\u1ebf nh\u01b0 thu nh\u1eadp th\u00f4ng th\u01b0\u1eddng, c\u00f3 l\u1ebd \u1edf m\u1ee9c thu\u1ebf su\u1ea5t th\u1ea5p h\u01a1n. Tuy nhi\u00ean, n\u1ebfu b\u1ea1n r\u00fat ti\u1ec1n tr\u01b0\u1edbc \u0111\u1ed9 tu\u1ed5i \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 cho ph\u00e9p, b\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu thu\u1ebf c\u1ed9ng v\u1edbi kho\u1ea3n ph\u1ea1t 10%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Roth IRA l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p>Roth IRA l\u00e0 m\u1ed9t t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng mi\u1ec5n thu\u1ebf v\u00e0 c\u00e1c kho\u1ea3n r\u00fat ti\u1ec1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n mi\u1ec5n thu\u1ebf khi ngh\u1ec9 h\u01b0u. Tuy nhi\u00ean, c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o Roth IRA \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng ti\u1ec1n sau thu\u1ebf. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea5t k\u1ef3 l\u1ee3i \u00edch thu\u1ebf n\u00e0o trong n\u0103m \u0111\u00f3ng g\u00f3p. Tuy nhi\u00ean, b\u1ea1n c\u00f3 th\u1ec3 r\u00fat c\u1ea3 ti\u1ec1n \u0111\u00f3ng g\u00f3p v\u00e0 thu nh\u1eadp \u0111\u1ea7u t\u01b0 mi\u1ec5n thu\u1ebf, v\u1edbi \u0111i\u1ec1u ki\u1ec7n b\u1ea1n \u00edt nh\u1ea5t \u0111\u00e3 \u0111\u1ee7 tu\u1ed5i \u0111\u01b0\u1ee3c h\u01b0\u1edfng \u01b0u \u0111\u00e3i thu\u1ebf.<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n \u0111\u00f3ng g\u00f3p (kh\u00f4ng ph\u1ea3i ti\u1ec1n l\u00e3i) b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf ho\u1eb7c ph\u1ea1t. \u0110\u1ec3 r\u00fat ti\u1ec1n l\u00e3i m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf, t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n ph\u1ea3i c\u00f3 th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng \u00edt nh\u1ea5t n\u0103m n\u0103m v\u00e0 b\u1ea1n ph\u1ea3i t\u1eeb 59 tu\u1ed5i r\u01b0\u1ee1i tr\u1edf l\u00ean \u0111\u1ec3 tr\u00e1nh b\u1ecb ph\u1ea1t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">S\u1ef1 kh\u00e1c bi\u1ec7t ch\u00ednh gi\u1eefa IRA truy\u1ec1n th\u1ed1ng v\u00e0 Roth<\/h2>\n\n\n\n<p>B\u1ea1n ch\u01b0a ch\u1eafc ch\u1eafn lo\u1ea1i IRA n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi m\u00ecnh? H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c t\u00ecm hi\u1ec3u nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t ch\u00ednh gi\u1eefa IRA th\u00f4ng th\u01b0\u1eddng v\u00e0 IRA Roth:<\/p>\n\n\n\n<style>table, th, td {\n  border: 1px solid black; \n  padding: 0px; \n  text-align: left;\n}\nth, td {\n  padding: 6px; \n}\n<\/style><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>S\u1ef1 kh\u00e1c bi\u1ec7t<\/strong><\/td><td><strong>IRA truy\u1ec1n th\u1ed1ng<\/strong><\/td><td><strong>Roth IRA<\/strong><\/td><\/tr><tr><td style=\"vertical-align: top;\">X\u1eed l\u00fd thu\u1ebf<\/td><td style=\"vertical-align: top;\">V\u1edbi IRA truy\u1ec1n th\u1ed1ng, b\u1ea1n c\u00f3 th\u1ec3 kh\u1ea5u tr\u1eeb c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p c\u1ee7a m\u00ecnh v\u00e0o thu\u1ebf thu nh\u1eadp n\u0103m hi\u1ec7n t\u1ea1i, gi\u00fap gi\u1ea3m thu nh\u1eadp ch\u1ecbu thu\u1ebf v\u00e0 c\u00f3 th\u1ec3 l\u00e0 c\u1ea3 m\u1ee9c thu\u1ebf su\u1ea5t c\u1ee7a b\u1ea1n. Tuy nhi\u00ean, khi b\u1ea1n b\u1eaft \u0111\u1ea7u nh\u1eadn ph\u00e2n ph\u1ed1i khi ngh\u1ec9 h\u01b0u, t\u1ea5t c\u1ea3 thu nh\u1eadp s\u1ebd \u0111\u01b0\u1ee3c \u0111\u00e1nh thu\u1ebf nh\u01b0 thu nh\u1eadp th\u00f4ng th\u01b0\u1eddng.<\/td><td style=\"vertical-align: top;\">V\u1edbi Roth IRA, c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng thu nh\u1eadp sau thu\u1ebf, do \u0111\u00f3 kh\u00f4ng c\u00f3 kho\u1ea3n mi\u1ec5n gi\u1ea3m thu\u1ebf n\u00e0o \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng ngay t\u1eeb \u0111\u1ea7u. Tuy nhi\u00ean, l\u1ee3i \u00edch c\u1ee7a Roth IRA l\u00e0 c\u00e1c kho\u1ea3n r\u00fat ti\u1ec1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n khi ngh\u1ec9 h\u01b0u c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf 100%, bao g\u1ed3m c\u1ea3 kho\u1ea3n \u0111\u00f3ng g\u00f3p ban \u0111\u1ea7u v\u00e0 thu nh\u1eadp \u0111\u1ea7u t\u01b0.<\/td><\/tr><tr><td style=\"vertical-align: top;\">Quy t\u1eafc r\u00fat ti\u1ec1n<\/td><td style=\"vertical-align: top;\">C\u00e1c IRA truy\u1ec1n th\u1ed1ng c\u00f3 quy \u0111\u1ecbnh ch\u1eb7t ch\u1ebd h\u01a1n v\u1ec1 vi\u1ec7c r\u00fat ti\u1ec1n. N\u1ebfu b\u1ea1n r\u00fat ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n tr\u01b0\u1edbc khi b\u01b0\u1edbc sang tu\u1ed5i 59,5, b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i tr\u1ea3 thu\u1ebf thu nh\u1eadp tr\u00ean s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c ngo\u00e0i kho\u1ea3n ph\u1ea1t r\u00fat ti\u1ec1n s\u1edbm theo \u0111i\u1ec1u 10%. M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 cho ph\u00e9p r\u00fat ti\u1ec1n s\u1edbm m\u00e0 kh\u00f4ng b\u1ecb ph\u1ea1t, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0111\u1ec3 mua nh\u00e0 \u0111\u1ea7u ti\u00ean ho\u1eb7c chi tr\u1ea3 c\u00e1c chi ph\u00ed gi\u00e1o d\u1ee5c \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/td><td style=\"vertical-align: top;\">Ng\u01b0\u1ee3c l\u1ea1i, Roth IRA linh ho\u1ea1t h\u01a1n v\u00ec b\u1ea1n lu\u00f4n c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n \u0111\u00f3ng g\u00f3p (nh\u01b0ng kh\u00f4ng r\u00fat \u0111\u01b0\u1ee3c ti\u1ec1n l\u00e3i) m\u00e0 kh\u00f4ng b\u1ecb ph\u1ea1t ho\u1eb7c ch\u1ecbu thu\u1ebf. Tuy nhi\u00ean, b\u1ea1n ph\u1ea3i \u0111\u1ee3i \u0111\u1ebfn khi \u00edt nh\u1ea5t 59 tu\u1ed5i r\u01b0\u1ee1i v\u00e0 t\u00e0i kho\u1ea3n ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng \u00edt nh\u1ea5t 5 n\u0103m m\u1edbi \u0111\u01b0\u1ee3c r\u00fat ti\u1ec1n l\u00e3i mi\u1ec5n thu\u1ebf.<\/td><\/tr><tr><td style=\"vertical-align: top;\">Ph\u00e2n ph\u1ed1i t\u1ed1i thi\u1ec3u b\u1eaft bu\u1ed9c (RMD)<\/td><td style=\"vertical-align: top;\">IRA truy\u1ec1n th\u1ed1ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i b\u1eaft \u0111\u1ea7u r\u00fat ti\u1ec1n \u1edf tu\u1ed5i 73, ngay c\u1ea3 khi b\u1ea1n kh\u00f4ng c\u1ea7n ti\u1ec1n. C\u00e1c kho\u1ea3n ph\u00e2n ph\u1ed1i n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00e1nh thu\u1ebf nh\u01b0 thu nh\u1eadp th\u00f4ng th\u01b0\u1eddng v\u00e0 c\u00f3 th\u1ec3 l\u00e0m t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m Medicare ho\u1eb7c thu\u1ebf An sinh X\u00e3 h\u1ed9i c\u1ee7a b\u1ea1n.<\/td><td style=\"vertical-align: top;\">Roth IRA kh\u00f4ng \u00e1p \u0111\u1eb7t quy t\u1eafc n\u00e0y trong su\u1ed1t cu\u1ed9c \u0111\u1eddi b\u1ea1n. Ti\u1ec1n c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1eef nguy\u00ean trong t\u00e0i kho\u1ea3n, t\u0103ng tr\u01b0\u1edfng mi\u1ec5n thu\u1ebf v\u00e0 \u0111\u01b0\u1ee3c chuy\u1ec3n cho ng\u01b0\u1eddi th\u1eeba k\u1ebf m\u00e0 kh\u00f4ng b\u1ecb \u1ea3nh h\u01b0\u1edfng. S\u1ef1 linh ho\u1ea1t n\u00e0y c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t l\u1ee3i th\u1ebf l\u1edbn.<\/td><\/tr><tr><td style=\"vertical-align: top;\">Gi\u1edbi h\u1ea1n thu nh\u1eadp cho \u0111\u00f3ng g\u00f3p<\/td><td style=\"vertical-align: top;\">Trong khi kh\u00f4ng c\u00f3 <a href=\"https:\/\/www.schwab.com\/ira\/roth-ira\/contribution-limits\">gi\u1edbi h\u1ea1n thu nh\u1eadp<\/a> khi \u0111\u00f3ng g\u00f3p v\u00e0o IRA truy\u1ec1n th\u1ed1ng, kh\u1ea3 n\u0103ng kh\u1ea5u tr\u1eeb nh\u1eefng kho\u1ea3n \u0111\u00f3ng g\u00f3p \u0111\u00f3 trong t\u1edd khai thu\u1ebf c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 b\u1ecb h\u1ea1n ch\u1ebf n\u1ebfu b\u1ea1n ho\u1eb7c v\u1ee3\/ch\u1ed3ng b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch h\u01b0u tr\u00ed t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c.<\/td><td style=\"vertical-align: top;\">Tuy nhi\u00ean, Roth IRA c\u00f3 gi\u1edbi h\u1ea1n thu nh\u1eadp. V\u00ed d\u1ee5, nh\u1eefng ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n \u0111\u1ed9c th\u00e2n c\u00f3 t\u1ed5ng thu nh\u1eadp \u0111i\u1ec1u ch\u1ec9nh (MAGI) v\u01b0\u1ee3t qu\u00e1 m\u1ed9t ng\u01b0\u1ee1ng nh\u1ea5t \u0111\u1ecbnh s\u1ebd b\u1ecb gi\u1ea3m ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u0111\u00f3ng g\u00f3p. Ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3ng g\u00f3p tr\u1ef1c ti\u1ebfp v\u00e0o Roth IRA. Vi\u1ec7c hi\u1ec3u r\u00f5 c\u00e1c ng\u01b0\u1ee1ng thu nh\u1eadp n\u00e0y r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 tr\u00e1nh \u0111\u00f3ng g\u00f3p v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ti\u1ec1n quy \u0111\u1ecbnh ho\u1eb7c m\u1ea5t ho\u00e0n to\u00e0n c\u00e1c l\u1ee3i \u00edch v\u1ec1 thu\u1ebf.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u0110\u01a1n thu\u1ed1c c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0 giao<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/vi\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"B\u1eaft \u0111\u1ea7u\" >\n\n          <span class=\"wrapp-title-link\">B\u1eaft \u0111\u1ea7u<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng, n\u1ebfu b\u1ea1n \u0111ang \u1edf giai \u0111o\u1ea1n \u0111\u1ea7u s\u1ef1 nghi\u1ec7p, kho\u1ea3ng 20 \u0111\u1ebfn 40 tu\u1ed5i, Roth IRA g\u1ea7n nh\u01b0 ch\u1eafc ch\u1eafn l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n, v\u00ec b\u1ea1n c\u00f3 h\u00e0ng th\u1eadp k\u1ef7 t\u0103ng tr\u01b0\u1edfng \u0111\u1ea7u t\u01b0 mi\u1ec5n thu\u1ebf cho c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p c\u1ee7a m\u00ecnh. N\u1ebfu b\u1ea1n \u1edf \u0111\u1ed9 tu\u1ed5i 50 tr\u1edf l\u00ean, c\u00e1c l\u1ee3i \u00edch v\u1ec1 thu\u1ebf c\u1ee7a IRA truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 tr\u1ecb h\u01a1n.<\/p>\n\n\n\n<p>Khi c\u00f2n nghi ng\u1edd, h\u00e3y l\u00e0m vi\u1ec7c v\u1edbi c\u1ed1 v\u1ea5n thu\u1ebf \u0111\u00e1ng tin c\u1eady, ch\u1eb3ng h\u1ea1n nh\u01b0 CPA ho\u1eb7c lu\u1eadt s\u01b0 thu\u1ebf \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, \u0111\u1ec3 t\u00ecm ra gi\u1ea3i ph\u00e1p gi\u00fap b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c v\u1ecb th\u1ebf t\u00e0i ch\u00ednh t\u1ed1t nh\u1ea5t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00f4i c\u00f3 th\u1ec3 c\u00f3 c\u1ea3 IRA truy\u1ec1n th\u1ed1ng v\u00e0 Roth kh\u00f4ng?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\">\n\n                                \n    \n  <picture>\n    <source type=\"image\/webp\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-100x0-c-default.webp 100w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-200x0-c-default.webp 200w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-400x0-c-default.webp 400w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings.webp 420w\">\n    <source type=\"image\/jpeg\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-100x0-c-default.jpg 100w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-200x0-c-default.jpg 200w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-400x0-c-default.jpg 400w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings.jpg 420w\">\n    <img class=\"\" width=\"420\" height=\"280\" alt=\"IRA-savings\" src=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings.jpg\" loading=\"lazy\">\n  <\/picture>\n\n<\/figure>\n<\/div>\n\n\n<p>C\u00f3, ch\u1eafc ch\u1eafn r\u1ed3i. Nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p v\u00e0o c\u1ea3 IRA truy\u1ec1n th\u1ed1ng v\u00e0 Roth. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 \u0111\u1ea3m b\u1ea3o b\u1ea1n kh\u00f4ng \u0111\u00f3ng g\u00f3p qu\u00e1 s\u1ed1 ti\u1ec1n IRS cho ph\u00e9p m\u1ed7i n\u0103m, v\u00ec c\u00e1c gi\u1edbi h\u1ea1n c\u00f3 th\u1ec3 ch\u1ed3ng ch\u00e9o. <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-ira-contribution-limits\">Gi\u1edbi h\u1ea1n h\u00e0ng n\u0103m cho n\u0103m 2025<\/a> l\u00e0 $7.000 ($8.000 n\u1ebfu b\u1ea1n t\u1eeb 50 tu\u1ed5i tr\u1edf l\u00ean). T\u1ed5ng s\u1ed1 ti\u1ec1n n\u00e0y bao g\u1ed3m c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o c\u1ea3 t\u00e0i kho\u1ea3n truy\u1ec1n th\u1ed1ng v\u00e0 Roth, v\u00ec v\u1eady b\u1ea1n c\u00f3 th\u1ec3 chia nh\u1ecf t\u00f9y \u00fd.<\/p>\n\n\n\n<p>M\u1ed9t l\u1ee3i th\u1ebf c\u1ee7a vi\u1ec7c s\u1edf h\u1eefu c\u1ea3 hai lo\u1ea1i t\u00e0i kho\u1ea3n l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a t\u00ecnh h\u00ecnh thu\u1ebf c\u1ee7a m\u00ecnh. M\u1ed9t s\u1ed1 kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c \u0111\u00e1nh thu\u1ebf tr\u01b0\u1edbc, m\u1ed9t s\u1ed1 \u0111\u01b0\u1ee3c ho\u00e3n thu\u1ebf, v\u00e0 m\u1ed9t s\u1ed1 \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 mang l\u1ea1i cho b\u1ea1n s\u1ef1 linh ho\u1ea1t h\u01a1n trong th\u1eddi gian ngh\u1ec9 h\u01b0u, v\u00ec b\u1ea1n c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn h\u01a1n \u0111\u1ec3 r\u00fat ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 qu\u1ea3n l\u00fd ngh\u0129a v\u1ee5 thu\u1ebf c\u1ee7a m\u00ecnh. Nhi\u1ec1u h\u1ed9 gia \u0111\u00ecnh am hi\u1ec3u t\u00e0i ch\u00ednh c\u00f3 IRA v\u00e0 Roth IRA cho m\u1ed7i v\u1ee3\/ch\u1ed3ng, v\u00e0 \u0111\u00f3ng g\u00f3p t\u1ed1i \u0111a \u0111\u01b0\u1ee3c ph\u00e9p m\u1ed7i n\u0103m d\u01b0\u01a1ng l\u1ecbch v\u00e0o t\u00e0i kho\u1ea3n mang l\u1ea1i l\u1ee3i \u00edch t\u00e0i ch\u00ednh l\u1edbn nh\u1ea5t trong n\u0103m \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">IRA th\u00f4ng th\u01b0\u1eddng so v\u1edbi IRA Roth: C\u00e1ch \u0111\u01b0a ra l\u1ef1a ch\u1ecdn \u0111\u00fang \u0111\u1eafn<\/h2>\n\n\n\n<p>Quy\u1ebft \u0111\u1ecbnh ch\u1ecdn Roth IRA hay IRA th\u00f4ng th\u01b0\u1eddng cu\u1ed1i c\u00f9ng s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o thu nh\u1eadp hi\u1ec7n t\u1ea1i, m\u1ee9c thu\u1ebf, thu nh\u1eadp v\u00e0 thu\u1ebf d\u00e0i h\u1ea1n d\u1ef1 ki\u1ebfn c\u0169ng nh\u01b0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>B\u1ea1n mu\u1ed1n gi\u1ea3m thu\u1ebf ngay b\u00e2y gi\u1edd hay ti\u1ebft ki\u1ec7m thu\u1ebf trong t\u01b0\u01a1ng lai? Ngh\u1ec9 h\u01b0u \u0111\u00e3 g\u1ea7n k\u1ec1, hay c\u00f2n ph\u1ea3i m\u1ea5t h\u00e0ng th\u1eadp k\u1ef7 n\u1eefa? \u0110\u00f3 l\u00e0 nh\u1eefng c\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean b\u1ea1n c\u1ea7n t\u1ef1 h\u1ecfi khi l\u1ef1a ch\u1ecdn t\u00e0i kho\u1ea3n.<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn \u0111\u00f3ng g\u00f3p v\u00e0o c\u1ea3 IRA th\u00f4ng th\u01b0\u1eddng v\u00e0 Roth IRA, mi\u1ec5n l\u00e0 kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n \u0111\u00f3ng g\u00f3p h\u00e0ng n\u0103m. B\u1ea1n c\u00f3 th\u1ec3 gi\u1eef c\u1ea3 hai, bi\u1ebft r\u1eb1ng ch\u00fang s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho t\u01b0\u01a1ng lai, nh\u01b0ng kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u00f3ng g\u00f3p v\u00e0o m\u1ed9t trong hai trong b\u1ea5t k\u1ef3 n\u0103m c\u1ee5 th\u1ec3 n\u00e0o.<\/p>\n\n\n\n<p>H\u00e3y d\u00e0nh th\u1eddi gian so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn c\u1ee7a b\u1ea1n ho\u1eb7c nh\u1edd c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh gi\u00fap \u0111\u1ee1 \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t cho t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u0110\u01a1n thu\u1ed1c \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp tr\u01b0\u1edbc | Giao h\u00e0ng t\u1eadn nh\u00e0 <\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/vi\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u0110\u0103ng k\u00fd tr\u1ef1c tuy\u1ebfn\" >\n\n          <span class=\"wrapp-title-link\">\u0110\u0103ng k\u00fd tr\u1ef1c tuy\u1ebfn<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Khi ti\u1ebft ki\u1ec7m cho h\u01b0u tr\u00ed, m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u \u0111\u1ea7u ti\u00ean c\u1ea7n c\u00e2n nh\u1eafc l\u00e0 n\u00ean \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n (IRA) truy\u1ec1n th\u1ed1ng hay Roth IRA. M\u1eb7c d\u00f9 c\u1ea3 hai \u0111\u1ec1u mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch v\u1ec1 thu\u1ebf \u0111\u00e1ng k\u1ec3, nh\u01b0ng l\u1ee3i \u00edch n\u00e0y \u0111\u01b0\u1ee3c nh\u1eadn th\u1ea5y theo nh\u1eefng c\u00e1ch kh\u00e1c nhau v\u00e0 v\u00e0o nh\u1eefng th\u1eddi \u0111i\u1ec3m kh\u00e1c nhau. T\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n (IRA) truy\u1ec1n th\u1ed1ng mang l\u1ea1i l\u1ee3i \u00edch tr\u01b0\u1edbc thu\u1ebf, gi\u00fap b\u1ea1n gi\u1ea3m thu\u1ebf khi \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n. Roth IRA cho ph\u00e9p r\u00fat ti\u1ec1n mi\u1ec5n thu\u1ebf trong th\u1eddi gian ngh\u1ec9 h\u01b0u, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi l\u00e3i v\u1ed1n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf. Y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t c\u1ea7n c\u00e2n nh\u1eafc khi thi\u1ebft l\u1eadp m\u1ed9t IRA m\u1edbi l\u00e0 m\u1ee9c thu\u1ebf su\u1ea5t hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai d\u1ef1 ki\u1ebfn c\u1ee7a b\u1ea1n. H\u00e3y \u0111\u1ecdc ti\u1ebfp \u0111\u1ec3 t\u00ecm hi\u1ec3u nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t ch\u00ednh \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n v\u1ec1 lo\u1ea1i IRA ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi m\u00ecnh.<\/p>","protected":false},"author":24,"featured_media":15616,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[208],"tags":[66,68,69,285,305],"class_list":["post-15610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-ira","tag-retirement","tag-savings","tag-taxes","tag-roth"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Regular IRA vs. Roth IRA: Which Should You Choose? | MedBox | Medications Sorted By Dose | Full-Service Pharmacy<\/title>\n<meta name=\"description\" content=\"This article covers the key differences between a regular IRA vs. Roth IRA. We explain each type of IRA, and compare them side by side.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/medbox.com\/vi\/regular-ira-vs-roth-ira-which-should-you-choose\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regular IRA vs. Roth IRA: Which Should You Choose? | MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"og:description\" content=\"This article covers the key differences between a regular IRA vs. Roth IRA. 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