Get Financially Fit! 在财政上得到合适的！

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A Roth IRA is a great retirement savings vehicle. 1罗斯IRA是一个伟大的退休储蓄的车辆。 Money is invested with after tax dollars and grows tax-free.钱是投资的税后美元，增长免税的。 When you withdraw your money in retirement you do not pay taxes.当你收回你的钱在退休你不交税。 Let’s review income limits, contribution limits, and the easiest way to get started.让我们检讨入息限额，贡献的限制，和最简单的方法即可开始使用。

Individuals are allowed to invest $5000 in 2008 (if you are over 50, you can add an additional $1000) as long as their adjusted gross income is less than $101,000.个人不得投资5000元在2008年（如果您是超过50 ，您可以添加额外的1000元） ，只要其调整的总收入少于一十○点一〇 〇万美元。 The adjusted gross income is shown on line 4 on a 1040EZ tax form, it’s on the bottom of page 1 for a regular 1040 form.调整后的总收入是上显示的4号线在一个1040 EZ税的形式，它的对底部的第1页，为1040年定期的形式。 If you make between $101,000 and $116,000 the allowed contribution is gradually phased out.如果您之间的十点一〇万美元和一十一点六零零万美元允许的贡献正逐步被淘汰。 Above an adjusted gross income of $116,000 a Roth IRA contribution is not allowed.上述调整后的总收入一一六〇 〇 〇美元一罗斯IRA的贡献，是不允许的。 A married couple can invest $5000 each as long as the combined adjusted gross income is less than $159,000.已婚夫妇可以投资5000元，每个只要合并调整的总收入少于一十五万九千美元。 Above an adjusted gross income of $169,000 the allowed contribution is phased out.上述调整后的总收入十六点九○万美元允许的贡献是淘汰。 If you exceed these income limits then you can invest in a traditional IRA.Starting a Roth IRA is easy.如果您超出这些入息限额，那么你就可以投资于一个传统的ira.starting一罗斯IRA是容易的。

The easiest investment option for starting your Roth IRA is to use a lifecycle retirement fund.  All that you need to do is identify the year that you want to retire.   For example if you want to retire in 2035, you would invest in a 2035 lifecycle retirement fund.  Lifecycle retirement funds automatically transitions from a high percentage of stock market investments  (typically 80% stocks for young investors) and transition to a balance of 50% stocks and 50% bonds.  Your main job is to add money, the fund automatically takes care of the asset allocation (the mix of stocks and bonds).  Recently most lifecycle funds have added a small percentage of international investments.最简单的投资选择，开始您的罗斯IRA是利用生命周期的退休基金，所有您需要做的是确定今年您要退休。举例来说如果你想要退休， 2035年，你会投资于一个2035生命周期退休基金。生命周期的退休基金将自动转换从一个高比例的股市投资（通常是80 ％的股票为青少年投资者）和过渡到一个平衡的50 ％ ，股票和50 ％的债券。您的主要工作是要添加的钱，该基金将自动照顾的资产分配（组合股票和债券） 。最近最生命周期的资金增加了很小的百分比，国际投资。

To get started simply contact a low expense no-load mutual fund company (such as Vanguard or Fidelity) by visiting their web site or by telephone.  I like Vanguard and Fidelity because they use low cost index funds in their lifecycle retirement funds.  Vangaurd calls their lifecycle retirement funds Target Retirement Funds and Fidelity call their the Freedom Funds.若要开始只是接触低费用的无负载的互惠基金公司（如先锋或保真度）通过访问其网站或通过电话，我喜欢的先锋和保真度，因为它们使用成本低，指数基金在其生命周期的退休基金。 vangaurd呼吁其生命周期的退休基金的目标，退休基金和富达呼吁他们的自由资金。

I really like and recommend lifecycle funds for retirement because I think it’s most important for people to get started with retirement savings.  The next most important tasks are increasing the savings rate and then evaluating if you want to take a more proactive role in choosing index and no-load mutual funds.我真的很喜欢和推荐生命周期基金为退休，因为我认为它的最重要的人要开始使用的退休储蓄。下一个最重要的任务是增加储蓄率和评估，然后如果你想要采取更积极的角色，在选择指数及无负载互助基金。

Follow your dreams, Achieve your goals! 按照你的梦想，实现自己的目标！