Indlela Ephumelelayo Yentela Yokunikela Imali kuNcedo
Ulwabelo oluncinane olufunekayo
Ukuba unemveli ye-IRA, kufuneka uqale ukuthatha isabelo esincinci esilindelekileyo (RMDs) xa ufikelela kwiminyaka engama-70 / 1/2 nangona ungafuni okanye ungafuni imali ngelo xesha.
Xa uthatha le ntlawulo, zihlawulwa kwiireyithi eziqhelekileyo zerhafu-nayiphi na ibhakha yerhafu eyolo nyaka.
Ukuba uhluleka ukuthatha, kubi kakhulu. Kwiimeko ezininzi, irhafu yentlawulo yama-skyrockets ukuya kuma-50 ekhulwini yemali omele uyenze kodwa ayengayisebenzisi loo mali.
Ukusabalalisa okufanelekileyo (i-QCD) kusasazwa kwi-IRA ngqo kwi-charity efanelekileyo, ngokugqithisa umnini we-akhawunti ukuze angabhalwa kuyo. Ii-QCD zibala ngokubhekiselele kokusabalala okufunekayo konyaka. Ukuba kufuneka uthathe ii-RMD kodwa ungayifuni okanye uyifunayo imali, i-QCDs yindlela efanelekileyo yokusabalalisa imali encinane efunekayo ngaphandle kwe-IRA kwaye ugweme isohlwayo.
Lo mgaqo usebenza kuphela kwiIRAs zendabuko, kungekhona iRoth IRAs. Ukuba unesiseko kwi-IRA yendabuko engabonakaliyo, nayiphi na i-QCDs oyenzayo ithathwa njengayo evela kwi-IRA yokuqala imali.
Ngokuqhelekileyo, izabelo ziyahlukana ngokukhawuleza phakathi kweemali ezihlawulisiweyo kunye nezizathu ezingenakucinganiswa.
Izabelo ezifanelekileyo zoNcedo
Inzuzo eyintloko ye-QCD kukuba inani lokusabalalisa alifaki kwifomu yakho ye-1040 njengengeniso. Yinto enhle, kodwa kukho nendawo ephazamisayo, nayo. I-QCD ayinakusetyenziswa njengegalelo elinikwe inzuzo xa unika imali .
Oku kuya kuba yinto ekhethiweyo yentlawulo ephindwe kabini kwintengiselwano efanayo.
Ii-QCD ziyakwazi ukuphuma kuphela kwiIRAs zendabuko. Abakwazi ukuphuma kwi-SEP IRA okanye i-SIMPLE IRA izicwangciso. Nangona kunokwenzeka ukuba uthathe i-QCD ngaphandle kwe-Roth IRA, ngokuqhelekileyo akukho nzuzo ekwenzeni oku ngenxa yokuba ukusabalalisa kweRoth IRA kusekho kakade inkokhelo. Ukunyuswa kweentlawulo ezongezelelweyo kuya kuba kukusebenzisa i-IRA yendabuko ukuxhasa i-QCD.
Impembelelo kwiNgeniso ePhakamileyo
Ngenxa yokuba inzuzo evela kwi-distribution distribution "ngepasses" ye-1040, i-QCDs ingasetyenziswa ukukunceda ukugcina imali yakho engenayo kunye neholo engenayo ehlawulwayo ngaphakathi kwinqanaba elifunayo. Oku kunokunceda ukukhusela ingeniso ekufikeleleni kwimingcele yerhafu yentlawulo yerhafu yotyalo-mali okanye uhla lwe-phaseout olwenziweyo .
Umphumo kwiDeductions Standard
Ii-QCD ziyakunceda abantu abadala abakwicala lokunciphisa ngokwemigangatho kunokuba lenzeke ngenxa yokuba akukho ntlawulo yerhafu nantoni na yokwenza umnikelo kwizothando xa ubiza inqununu. Awulahlekelwa nantoni na ngokwenza i-QCD. Ukungaxhasi, ukunikela ngokusondeza ngokudluliselwa ngqo kwi-IRA yindlela kuphela yokufumana inzuzo yerhafu ebonakalayo kwiminikelo yabo.
Imigaqo yokuQinisekisa yeQCD
Kumele ube ubuncinane ubuneminyaka engama-70 / 1/2 ubudala ngexesha lokwabiwa ngokufanelekileyo.
Iimali kufuneka zitshintshwe ngokuthe ngqo kwi-IRA umgcini-mali ukuya kwi-charity efanelekileyo-kwaye "efanelekile" igama elibalulekileyo apha. Uthando kufuneka lube luvunywe yi-IRS. Awukwazi nje ukuguqula imali kummelwane wakho. Izibonelelo ezifanelekileyo ziquka i-501 (c) (3) imibutho kunye nezindlu zonqulo. Umnikezeli ucebisa iingxowa kunye nezinto ezibizwa ngokuba yimibutho exhasayo abavunyelwe ukuba bafumane ii-QCD kwi-tax-benefit basis.
I-IRS ibonisa ukuba yinkqubo eyamkelekileyo yomgcini we-IRA ukwenza itekethi ehlawulwa kwintlangano encedo kunye nokuvumela umnikazi we-IRA ukuba athumele isheke kwi-charity
Isixa esiphezulu esinokunikezelwa ngokunikezelwa ngokuxhaswa ngabantu abafanelekileyo si-$ 100,000 ngonyaka ngomnini we-IRA.
Imithetho yentela iguquka rhoqo kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.