Imirhumo yokurhoxiswa kwe-IRA iyahlukahluka kuxhomekeke kwiimali zakho kunye nemali engenayo
Yiyiphi irhafu kwiSasazo sam?
Inani elipheleleyo leerhafu ozihlawulayo kwi-distribution ye-IRA lixhomekeke kwisixa-mali semali engenayo kunye nemali echithwayo onayo loo nyaka.
Xa ukhangela ifomu ye-1040 yentlawulo, uya kufumana umgca we-15, obizwa ngokuthi "IRA distribution". Ngenxa yobungakanani bentela echazwe ngerhafu, nayiphi na ukukhula okanye ukuxabisa okukhulu okufumene kwi-akhawunti yakho akukahlawulwanga. Ukongezelela, ukuba i-IRA yakho yayifumaneka ngemali nge -dollar engaphambi kweerhafu , awukahlawulanga nayiphi irhafu kuloo mali, ngoko ke inani elipheleleyo lokuhambisa kwakho lihlawulwa kwaye liya kuhamba kumgca 15b.
Ukuhanjiswa kwe-IRA yakho kwongezwa kwenye yakho imvelaphi yengeniso ukwenzela ukuba ufumane ingeniso yakho epheleleyo. Ingeniso yakho epheleleyo ehlanjululwayo iyancitshiswa ngokubanjelwa kwemvume kunye nokuxolelwa, kwaye umphumo uyimali engenayo engenayo.
Ukuba unomvuzo ophezulu kunye nemincinci embalwa, lindela ukuhlawula irhafu engaphezulu kwi-IRA yakho yokusabalalisa kunomntu ongenayo imali encinci kunye nokunciphisa ngaphezulu.
Ukuba uthe wathatha ukusasazwa kodwa ungakayifikanga iminyaka yobudala engama-59 1/2, irhafu yeerhafu ye-10 iya kusebenza kwi-distribution ye-IRA ngaphandle kokuba unelungelo lokufumana ithuba lokuhlawulwa kweerhafu .
Ndiyakwazi ukuhambisa iifowuni kwi-IRA ukusuka kwi-401 (k)?
Ukuba unayo imali kwi-401 (k), unokukhetha ukuhambisa imali kwi-IRA ngokusebenzisa inkqubo ebizwa ngokuba yi-rollover.
Iimali ze-IRA rollover azihlawulwanga xa zisuswe kwi-401 (k) isicwangciso, njengoko iimali ziphuma kwi-akhawunti yomhlala-phantsi efanelekileyo ehlawulwa irhafu.
Ukuhanjiswa kwe-Rollover kunemithetho ethile ye- rollover , apho ibhanki okanye inkampani yokuthengisa i-brokerage ingakwazi ukukuchazela njengoko ihamba nawe kwinkqubo. Ngethuba nje imali ihamba ngokusuka kwi-401 (k) yakho kwi-IRA entsha yokugcina imali, kwaye ungalokothi uzuze imali leyo, awuyi kubakho nawuphi na uxanduva lweerhafu.
IRA Distribution Taxation Example
Yithi umntu omnye, oneminyaka engama-60 ubudala, ufuna i-IRA ihoxise ukukhupha iindleko zakhe zokuhlala. Udinga ukuthatha i-$ 2,500 ngenyanga kwaye ufuna ukuzenzekela ngokuzenzekelayo kwi-akhawunti yokujonga. Ngaphandle kweedola ezingama-30,000 kwi-IRA ezabelo (amawaka angama-12 ama-$ 2,500) uya kuba nelinye inzuzo evela kumhlalaphantsi wakhe we-12,000. Oku kunika imali epheleleyo ehlawulweyo (AGI) ye $ 42,000 ngonyaka.
Lo mntu akayikushicilela nayiphi na intsalela kwaye endaweni yoko usebenzisa ukutsalwa okuqhelekileyo ($ 6,350 ngo-2017) kunye nokukhululwa komntu (i-$ 4,050 ngo-2017). Ngomnye we-AGI, ngaphantsi kokuncitshiswa kunye nokukhululwa kwemali, unemali engama-31,600 engeniso.
Iibhanki zerhafu zango-2017 zibonisa ukuba umntu oyedwa umntu wokuqala we-9,325 wemali engenayo ehlawulwa irhafu ihlawulwe kwi-10 ekhulwini.
Imali engenayo engenayo evela kwi-$ 9,325 ukuya kwi-37,950 ihlawuliswa kwizinga le-15 ekhulwini. Ngenxa yoko, uya kuhlawula iRhafu 4,274 kwiirhafu.
Ukuba le ntokazi ibeneentlawulo ezingagqithwanga kwi-IRA kunye nokunikezelwa kwempesheni, mhlawumbi uye wahlawula irhafu efanelekileyo kwonyaka. Ukuba akazange ahlawule irhafu, uya kufuneka abhale isheke ngomhla we-15 ku-Apreli.