{"id":8228,"date":"2021-05-06T00:12:14","date_gmt":"2021-05-06T07:12:14","guid":{"rendered":"https:\/\/finhabits.com\/ahorra-para-tu-retiro-conoce-la-roth-ira\/"},"modified":"2023-11-27T21:14:26","modified_gmt":"2023-11-28T05:14:26","slug":"ahorra-para-tu-retiro-conoce-la-roth-ira","status":"publish","type":"post","link":"https:\/\/www.finhabits.com\/es\/ahorra-para-tu-retiro-conoce-la-roth-ira\/","title":{"rendered":"Ahorra para tu retiro: Conoce la Roth IRA"},"content":{"rendered":"<p><iframe loading=\"lazy\" style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/35GXb7zmSMAlUr0IMbs0XV?utm_source=generator\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Nunca es muy temprano (o tarde) para organizar tus ahorros para la jubilaci\u00f3n, y francamente, los h\u00e1bitos financieros inteligentes en general no son muy comunes en el mundo en que vivimos hoy. Para darte la mano, decidimos introducirte a lo que consideramos ser una de las mejores oportunidades para planificar, crecer y transformar tus finanzas &#8211; la cuenta de retiro individual Roth (Roth IRA).<\/p>\n<p>Aqu\u00ed tienes la informaci\u00f3n m\u00e1s importante para ayudarte a entender c\u00f3mo funciona:<\/p>\n<h4>\u00bfQu\u00e9 es?<\/h4>\n<p>Una <a href=\"https:\/\/www.espanol.finhabits.com\/post\/como-abrir-una-cuenta-ira-roth\" target=\"_blank\" rel=\"noopener\">Roth IRA<\/a> es un tipo de cuenta para el retiro que puedes abrir individualmente. No puedes deducir con el IRS tus contribuciones al Roth IRA y como todo el dinero que depositas en esa IRA sigue siendo tuyo, puedes retirar todo el dinero que contribuiste cuando quieras sin penalidades. Sin embargo, toma en cuenta que esto no aplica a las ganancias que hayas generado sobre esas contribuciones.<\/p>\n<h4>\u00bfC\u00f3mo funciona?<\/h4>\n<p>Poner tus ahorros en una cuenta de inversiones, como las que ofrece Finhabits, es darle a tu dinero la oportunidad de crecer. Cuanto m\u00e1s tiempo lo dejes all\u00ed invertido, mayores posibilidades tendr\u00e1s de acumular intereses con el tiempo porque invertimos tus contribuciones en la bolsa de Valores y el mercado de bonos. M\u00edralo de esta manera, tu inversi\u00f3n es como una bola de nieve rodando por una monta\u00f1a, cuanto m\u00e1s arriba de la monta\u00f1a comience a rodar, m\u00e1s grande ser\u00e1 la bola cuando llegue abajo, y la mejor parte es que no tienes que pagar impuestos mientras la bola crece. No hay que hacer mucho, pero s\u00ed depende de ti dar el primer empuj\u00f3n a la bola.<\/p>\n<h4>\u00bfC\u00f3mo te podemos ayudar?<\/h4>\n<p>Cuando abres una Roth IRA con Finhabits, invertiremos tus ahorros por ti en una cartera diversificada de inversiones en la bolsa que ayudar\u00e1 a tu dinero a crecer con el tiempo. Finhabits facilita la apertura de las Roth IRAs para que puedas tener la tuya en tan s\u00f3lo 10 minutos. Nuestra misi\u00f3n es ayudar a todos a adquirir el h\u00e1bito inteligente de invertir para el futuro, especialmente a aquellos que no tienen acceso a un 401(k) a trav\u00e9s de su empleo, as\u00ed que olv\u00eddate de los tr\u00e1mites complejos y los cargos costosos. Y no te preocupes si no tienes mucha experiencia invirtiendo, nuestro servicio m\u00f3vil est\u00e1 dise\u00f1ado pensando en ti.<\/p>\n<p>Para abrir una IRA visita <a href=\"https:\/\/app.finhabits.com\/signin.html?language=es&amp;utm_source=website&amp;utm_campaign=website_direct&amp;ad_id=no_ad\" target=\"_blank\" rel=\"noopener\">Finhabits.com<\/a>.<\/p>\n<h6>Finhabits no proporciona asesor\u00eda fiscal. Ponte en contacto con tu asesor de impuestos para cualquier pregunta con respecto a tu declaraci\u00f3n de impuestos.<\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Nunca es muy temprano (o tarde) para organizar tus ahorros para la jubilaci\u00f3n, y francamente, los h\u00e1bitos financieros inteligentes en general no son muy comunes en el mundo en que vivimos hoy. Para darte la mano, decidimos introducirte a lo que consideramos ser una de las mejores oportunidades para planificar, crecer y transformar tus finanzas [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8226,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-8228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprende-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Roth IRA: c\u00f3mo ahorrar para tu retiro con ventajas<\/title>\n<meta name=\"description\" content=\"Roth IRA en palabras simples: pagas hoy, retiras libre de impuestos ma\u00f1ana. Conoce l\u00edmites, ventajas, reglas de ingreso y cu\u00e1ndo conviene vs. una tradicional.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finhabits.com\/es\/ahorra-para-tu-retiro-conoce-la-roth-ira\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ahorra para tu retiro: Conoce la Roth IRA\" \/>\n<meta property=\"og:description\" content=\"Nunca es muy temprano (o tarde) para organizar tus ahorros para la jubilaci\u00f3n, y francamente, los h\u00e1bitos financieros inteligentes en general no son muy\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finhabits.com\/es\/ahorra-para-tu-retiro-conoce-la-roth-ira\/\" \/>\n<meta property=\"og:site_name\" content=\"Finhabits\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Finhabits\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-06T07:12:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-28T05:14:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.finhabits.com\/wp-content\/uploads\/2023\/06\/finhabits-ahorra-para-el-retiro.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Carlos Garcia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Carlos Garcia\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Roth IRA: c\u00f3mo ahorrar para tu retiro con ventajas","description":"Roth IRA en palabras simples: pagas hoy, retiras libre de impuestos ma\u00f1ana. 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Named one of Goldman Sachs\u2019 100 Most Intriguing Entrepreneurs, he is a regular commentator on national television\u2014including Univision and Telemundo\u2014on the financial topics that matter most to middle-income and Latino audiences. He founded Finhabits in 2017 with a mission shaped by personal experience. Growing up between El Paso and Ciudad Ju\u00e1rez, he saw firsthand how hard-working families often lack access to the financial tools they need. After earning a degree in Electrical Engineering and Computer Science from MIT and spending more than 15 years on Wall Street\u2014including at Merrill Lynch\u2014he set out to build a better system. Finhabits became the first bilingual (English and Spanish) SEC-registered digital investment advisor designed to help Latinos invest and save for retirement. Finhabits has helped more than 900,000 people build better financial habits, with over $400 million invested through the platform. Carlos serves as CEO and Founder of Finhabits and sits on the boards of DGI Investment Trust and Verdara. His conviction remains unchanged: if the system is hard to navigate, build a better one. His work focuses on fintech, economic inequality, and Latino wealth-building. He writes about the K-shaped economy and who gets left behind, the untapped potential of Latino communities in wealth creation, how technology can expand access to financial tools, and the structural barriers that prevent families from building generational wealth.","sameAs":["https:\/\/www.finhabits.com\/","https:\/\/www.linkedin.com\/in\/carlosarmandog\/","https:\/\/www.youtube.com\/@CarlosGarciaFinance"],"gender":"male","knowsLanguage":["English","Spanish"],"jobTitle":"CEO & Founder","url":"https:\/\/www.finhabits.com\/es\/author\/carlosfinhabits-com\/"}]}},"_links":{"self":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts\/8228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/comments?post=8228"}],"version-history":[{"count":0,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts\/8228\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/media\/8226"}],"wp:attachment":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/media?parent=8228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/categories?post=8228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/tags?post=8228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}