UkuSasazwa okuNcinane
Isibizo esithi "RMD" simele iSibonelelo esincinci esifanelekileyo. Le yimalini yemali omele uyisuse kwi-IRA yakho yemveli (okanye i-akhawunti efanelekileyo) xa ufikelela kwiminyaka engama-70 ½.
Ingaba unayo i-IRA enye okanye i-IRA ezilishumi ezihlukeneyo, abahlobo bethu kwi-IRS baya kujonga inani elilonke leedola yee-akhawunti zakho ezifanelekileyo ukuze ubale i-RMD yakho yonyaka. Unokuthatha iNdawo yokuLawulwa kweeNgcaciso eziPhezulu (Required Minimum Distribution) (RMD) kwi-IRA enye, okanye kwii-akhawunti ezifanelekileyo, ngokukhawuleza nje ukuba i-IRS idinga imfuno.
Ingaba ufuna imali ngaphandle kwe-IRA yakho okanye akunjalo, i-IRS ikubethela ehlombe ukuze "ukhumbuze" ukuba ixesha liqala ukuhlawula isabelo sakho sentlawulo.
Isicwangciso soNcedo lokuLawulwa kweNzuzo yokuFikela iNkcazo esiKhuselekileyo siKhusekisa iNqununu kunye neLifa eliPhezulu
Abanye abanikazi be-IRA abazange baceba ukufikelela kuloo mali, ngaphandle kwe-RMD eneengxaki.
Bafuna ukushiya ubuninzi bee-asethi kubaxhamli babo. Bafuna ukuba, ngokuyinene, bashiye ifa. Oku kungafezwa ngokusebenzisa umxhasi wokufumana inzuzo ngokuqinisekileyo yokufa okuqhotyoshelweyo kwi-annuity. Nantsi indlela esi sicwangciso esiya kusebenza ngayo:
Masithi unayo i-$ 300,000 kwi-IRA yendabuko, kwaye awuze ucwangcise ekufuneni loo asethi ukuba uphile ngexesha lomhlalaphantsi.
Ukuba ubeke loo mali kwisigxina esilungileyo kunye nomntu oza kuxhamla ngenkontileka yokufa oqinisekisa ukukhula kwe-5%, ke i-$ 300,000 iya kukhula kwaye ihlanganiswe yilo mali ngonyaka. Xa uthabatha ii-RMD zakho, ukukhula koxanduva lokufa kwe-5% kuya kunqumla inani lemali leDola leMfuno elincinci elifunekayo (RMD). Ngokukhawuleza uqale le qhinga ngaphambi kokuba uphendule i-70 ½, bhetele kuba i-$ 300,000 iya kukhula nge-5% yonyaka ngaphambi kokuba ufunwe ukuba uthathe ii-RMD zakho.
Isicwangciso esinqumlekileyo sikwenza ukuba uthabathe i-RMD yakho ngenkathi ugcina i-IRA yakho yenani elipheleleyo lilonke elilinganiselwe kubaluhlu bakho kunye neendlalifa.
Isicwangciso soLungiso lwe-IRA I-IRS ivunywe kwaye ivumela iiNdlalifa zakho rhoqo ii-RMD Iintlawulo
Ukuba ihlelwe kakuhle, ii-RMD zingathathwa zizizukulwana ezininzi (iqabane, abantwana, abazukulu). Oku kuya kubonelela ngenzuzo yefa kwiindlalifa zakho ngelixa unciphisa amatyala amatyala emva kwexesha. Awudingi umvuzo wokunweba i-IRA yakho , kodwa i-annuity echanekileyo isebenza kakuhle ngeli qhinga kuba likhusela ngokupheleleyo inqununu ukusuka ekungeneni kwemakethi, kwaye inika iziqinisekiso zokuthengisa.
Ngaba awufanelekanga ukukhusela i-inshurensi yobomi besikhorensi? Thenga i-Annuity esikhundleni
Esinye isicwangciso sokudala sokwandisa iMipasho emiselweyo encinci (i-RMDs), okufuneka uyenze, kufuneka usebenzise loo mali yonyaka we-dollar ekuthengweni kwemali yomshuwalense okanye yempilo yomshuwalense.
Ukuba unako ukufumana i-inshorensi yobomi, oku kuyakuba ngowokuqala ngenxa yokuba inzuzo yokufa yayingadlulanga irhafu kwibalawuli bakho abaluhlu. Uyazi ukuba yintoni emva kwerhafu yenani lemali eliya kuvela kwi-RMD yakho, ngoko uthenge i-inshorensi yobomi be-inshorensi yokufa ngelo xesha. I-inshorensi yobomi besikhokelo yinkcitho efanelekileyo kunye neyona ephantsi kakhulu ekhoyo, kwaye iya kwandisa inani le dollar elisetyenzisiweyo.
Ukuba awufanelekanga kwi-inshorensi yobomi, ungasebenzisa isicwangciso esifanayo ukuthenga i-premium eguquguqukayo ehlawulwayo ene-benefited aid yokufa edibeneyo kumgaqo-nkqubo. I-premium yeFlexible ithetha ukuba unokongeza imali kumgaqo-nkqubo. Isicwangciso senkxaso-mali sinendlela efanelekileyo kakhulu yokusebenzisa i-RMD yakho, kodwa inzuzo yokufa ayidlulisi irhafu kubani bakho abaxhamli njengoko inkontsho yomshuwalense.
Ngoko ngexesha elizayo xa uqala ukufumana ukuphazamiseka malunga nokuthatha iiMfuno eziNcinane ezifunekayo (RMDs), kunokubakho isisombululo sonyaka onokuyilungelelwano oluhle kwisicwangciso sakho sobudala.