Funda kwaye Njani Xa Unako Ukuhlawula Iimali Ezizuzwe Ngama-401 (k)

Abaxhamli kufuneka balandele iMithetho yokuPhepha izigwebo

Ukuba ungumzuzi we-401 (k) isicwangciso, okanye uzuze i-401 (k) icebo, izigqibo zakho malunga nendlela kwaye xa ufunwa ukuba uthathe imali iya kuxhomekeka kwi:

• Ingaba ungumlingane womntu ofileyo okanye umntu ongatshatanga naye
• Ubudala bakho kunye nomntu oshonile ekufeni

Ngezantsi kukho isikhokelo sokukunceda ukuba ufumanise imigaqo esebenza kuwe!

Mlingane noMzuzi

Okokuqala, makhe sijonge imigaqo esetyenziswayo xa uzuza i-401 (k) isicwangciso esivela kwiqabane lakho.

Ukuba Umlingani Wakho Ubengaphezu kweminyaka engama-70 ½ kwaye Uneminyaka engaphezu kwama-70 ½

Ukuba iqabane lakho lingaphezulu kweminyaka engama-70½ kwaye ngoko sele sele iqalile ukuthatha isabelo esincinci esifanelekileyo ngexesha lokufa, kwaye uneminyaka engaphezulu kwama-70 ½, umgaqo wukuthi kufuneka, ubuncinci, uqhubeke uthabatha okungenani ubuncinane ubuncinane kwabiwa. Oku kwenzeka ngeendlela ezimbalwa.

1. Unokushiya imali kwisicwangciso, uqhubeke nokuhambisa ngokwemfuneko yeshedyuli yesistim efunekayo esetyenziswa kwiqabane lakho. Ukuba unqwenela ungathabatha ngaphezu kwesi sixa, kodwa kungabi ngaphantsi. Iimpawu ezixhamliweyo ezimiselwe ngumlingane wakho ziyaqhubeka zifaka isicelo.
   
2. Ungayifaka imali kwihlobo oluthile lwe-akhawunti ebizwa ngokuba "i- IRA efa ." Nge- IRA eyabelwe ifa uza kuthatha iindleko ezifunekayo ngokusekelwe kwitheyibhile lakho lokuhlala elilodwa. Ukuba unqwenela ungathabatha ngaphezu kwesi sixa, kodwa kungabi ngaphantsi. Uya kubabiza abaxhamli bakho ngeli khetho.
   

1. Ungayifaka imali kwi-IRA yakho, ebizwa ngokuba yi-IRA yomtshato. Ngolu khetho, uya kuthatha ukuhambisa okufunekayo ngokusekelwe kwiminyaka yakho kunye neTabletimetime Time Table . Ukuba unqwenela ungathabatha ngaphezu kwesi sixa, kodwa kungabi ngaphantsi. Uya kubabiza abaxhamli bakho ngeli khetho. Kwabaninzi abantu, oku kuyona ndlela ikhethekileyo.

Ukuba wena kunye nomlingane wakho uneminyaka yobudala obufanayo, ukhetho olungentla luya kubakho malunga nokuhambisa okufanayo okufunekayo. Nangona kunjalo, ukuxhoma kwi-IRA yakho inokubonelela ngokukhetha okongezelelweyo kubaxhamli bakho kwixesha elizayo.

Unokwazi ukujonga i- calculator minimalist calculator yokubala ukubala inani eliza kufuneka lizithathe. I sekelwe kwixesha lakho kunye netafile efanelekileyo.

Ukuba uneminyaka yobudala engama-59 ½, kodwa ungaphantsi kweminyaka yobudala 70 ½

Ukuba ungumxhamli we-401 yeqabane lakho (k) kwaye uphantsi kweminyaka engama-59 ½, kodwa ungabikho 70½, unokhetho oluthile:

1. Unokushiya imali kwicebo. Ukuba iqabane lakho lingaphezu kweminyaka engama-70 / 1/2 kwaye sele liqalise ukusabalalisa kwakho uyaqhubeka nokuthatha le ntlawulo minqweno efunekayo unyaka ngamnye, okanye uqala ukuyithatha ngexesha lakho iqabane liye lafikelela kwiminyaka eyi-70 1/2. Iimpawu ezixhamliweyo eziqulunqwe ngumlingani wakho uyaqhubeka nokusebenzisa olu khetho.
   
2. Unako ukuhlawula imali kwihlobo oluthile lwe-akhawunti ebizwa ngokuba yi-IRA enefa. Njenge-IRA ezuzwayo uthatha izabelo ezifunekayo ngokusekelwe kwitheyibhile lakho lokuhlala elilodwa. Ukuba unqwenela ungathabatha ngaphezu kwesi sixa, kodwa kungabi ngaphantsi. Uthiwa ngabaxhamli bakho ngeli khetho.
   
3. Unokuyifaka kwi-akhawunti yakho kwi-IRA yakho. Inzuzo enokwenzeka kule nto awuyi kufunwa ukuba uqale ukusasazwa kude kube unyaka wekhalenda emva kokufikelela kuma-70½. Olu khetho lunikeza ukuguquguquka okongeziweyo ngenxa yokuba unako ukurhoxisa imali xa kuyimfuneko, kodwa awuyi kucelwa ukuba uyihoxise uze ufike kwiminyaka engama-70 / 1/2. Uthiwa ngabaxhamli bakho ngeli khetho. Kwabaninzi abantu, oku kuyona ndlela ikhethekileyo.

Ukuba iqabane lakho lide kunani, kufuneka uhlalutye inqanaba lakho lokuhlawula irhafu lakho langoku kunye nelixa elizayo ukugqiba ukuba ngaba kukulungele ukusabalalisa ukusasaza ukuya kwi-70 1/2 yakho yobudala, okanye uqhubeke nemibandela efunekayo yonyaka xa iqabane lakho sele kwafuneka ukuba uqale ukuthatha.

Qaphela: Ukunikezelwa kwee-IRA ezongezelelweyo zingenza uninzi lwentlawulo yakho yentlawulo yentlalo. Ngaloo ndlela inokuba inzuzo yakho ukuthatha ezinye izabelo ze-IRA ngaphambi kokuba inzuzo yakho yeNtlalo yeNtlalo iqale. Umcwangcisi womhlalaphantsi onokwazi unokukunceda uqonde indlela efanelekileyo yezenzo.

Ukuba Uneminyaka engama-59 ½

Ukuba uzuze i-401 (k) iqabane lomlingane (k) kodwa awukho uneminyaka engama-59 ½ ubudala, cinga ngemisebenzi kunye neqhinga lezinto ezilandelayo.

1. Unokushiya imali kwi-401 (k) icebo. Ngolu khetho, unako ukuthatha ihoxiswa njengoko kuyimfuneko kwaye irhafu yentlawulo ye-10% ayiyi kusebenza nangona ungakhange ufikelele kwiminyaka eyi-59 1/2. Uya kuhlawula irhafu yengeniso rhoqo kwiyiphi na imali ehoxiswayo. (Ngolu khetho ukuba iqabane lakho lingaphezulu kweminyaka engama-70 ½, kuya kufuneka ukuba uqhubeke nokuhambisa okuncinci okufunekayo.) Abaqeshwe abaxhamliweyo abaza kusetyenziswa xa usweleka.
   

1. Unako ukuhlawula imali kwihlobo oluthile lwe-akhawunti ebizwa ngokuba yi-IRA enefa. Nge-IRA ezuzwayo uthatha izabelo ezifunekayo ngokusekelwe kwitheyibhile lakho lokuhlala elilodwa. Unokuthatha okungaphezulu kwesi sixa, kodwa kungabi ngaphantsi. Ngolu khetho, ukurhoxiswa akukho phantsi kweerhafu ye - 10% nangona ungeneminyaka yobudala engama-59 1/2. Uthiwa ngabaxhamli bakho ngeli khetho.
   
2. Unokwenza i-rollover i-401 (k) icebo kwi-akhawunti yakho ye-IRA. Akuyi kuba neerhafu kulo mcimbi. Nangona kunjalo, ukuba awunakuneminyaka engama-59 ½, ungeke ufune ukwenza oku, kuba xa sele ibe yi-IRA yakho, nayiphi na isabelo esithathayo siya kuthathwa njengokwabiwa kwangoko kunye nokuxhomekeka kwerhafu yentlawulo ye-10% kwakunye neerhafu zerhafu rhoqo. . Uthiwa ngabaxhamli bakho ngeli khetho.

Kwabaninzi abantu abangeneminyaka yobudala engama-59 1/2, ukhetho olungcono luya kuba lukhetho 1 okanye 2 ngasentla.

Umntu ongeyena Umfazi oncedisayo

Ukuba ungumxhamli womntu 401 (k) isicwangciso kwaye abazange baqabane lakho, kukho ezintathu iindlela ezikhethwa phantsi.

Ukuba Umntu Ozuwe Ngelifa Kule minyaka engama-70 ½

1. Ukuba umntu owawuzuze i-akhawunti evela kwi-akhawunti esuka kwi-70 ½ ubudala, kwaye ngoko sele sele sele iqalile ukuthabatha ukunikezelwa okuncinci kuncinane ngexesha lokufa, umgaqo wukuthi, ubuncinci, kufuneka uqhubeke nokuthatha ubuncinane ezi zinto ezifunekayo umrhumo omncinci, kwaye ukuba unqwenela ungathabatha ngaphezulu kwesi sixa, kodwa kungabi ngaphantsi. Unokuthatha le migqomo ngaphandle kwexesha elide lokuphila okanye lakho, ngokwemiqathango ye-IRS efunekayo yobuncinane bokusabalala kwetafile zokuhlala. Kufuneka ube nenketho yokwenza oku ngokushiya imali kwisicwangciso okanye ngokuyifaka kwi-akhawunti ebizwa ngokuba yi-IRA enefa.

Ukuba Babengekafiki iminyaka 70 ½

Ukuba umntu ozuze ilifa le-401 (k) isicwangciso esivela kungekabikho iminyaka engama-70 ½, i-401 (k) icebo liya kuvumela enye okanye zombini ukhetho olungezantsi:

2. I-401 (k) isicwangciso sinokufuna ukuba uthathe yonke imali ngaphandle kwesi cwangciso ngaphandle komhla wama-31 ku-31 wonyaka wesihlanu emva konyaka wokufa komntu. Unokuthabatha unyaka ngamnye, okanye ulinde unyaka odlulileyo ukuba uthathe konke. Uya kuhlawula irhafu yengeniso rhoqo kwixabiso lemali ehoxiswayo, ngoko unokufuna ukuthatha okungaphezulu kwiminyaka apho ulindele ukuba ube kwisantya esezantsi.

3. Isicwangciso sinokukuvumela ukuba uthathe imali ngemali yonyaka ngaphezu kwexesha lokuphila kwakho ngokubhekiselele kwizinto ezifunekayo zokusabalalisa izilwanyana zokuhlala. Unokwazi ukwenza oku ngokushiya imali kwisicwangciso okanye ngokuyifaka kwi-akhawunti ebizwa ngokuba yi-IRA enefa. Olu khetho lubizwa ngokubhekiselele ngokuthi " tyala i-IRA " kuba ukuba uncinci kunomntu owawuzuze kwifa, unokwelula ukusasazwa ngaphandle kwexesha elide.