Ukusasazwa kwexesha elivela kwiPension Pension or Annuity Plan
Ukunikezelwa kwexesha eliphantsi kwipension yomhlalaphantsi okanye isicwangciso sokuxhaswa kwemali kuxhomekeke ekuthintela ukusebenzisa iindlela ezifanayo njengengeniso yomvuzo, ngokusetyenziswa kwezibonelelo zokubamba ukugodla ukunquma ukuba inqanaba lerhafu lingayinqanda.
Ukwazisa umlawuli wesicwangciso sakho somhlala-phantsi seemali zakho zokubamba i-Formsholding usebenzisa iFomu W-4P. Abantu banokukhetha ukuba bangabi naliphi na irhafu elithintekayo kwiinkxaso ngezikhathi ngokujonga ibhokisi 1 kwiFomu W-4P.
Kwi-Publication 575, i- IRS ithi, "Ngaphandle kokuba ukhethe ukungabikho nto, ukuhlawulwa kwakho kwenyanga okanye iintlawulo zexesha elifanayo (ngaphandle kokunikezelwa kwempahla efanelekileyo) kuya kuphathwa njengemvuzo yeenjongo zokugweba. Iintlawulo zexesha eliqhelekileyo zihlawulwa ngokukhawuleza (njengeveki nganye, ngenyanga, okanye ngonyaka) ixesha elide kunomnyaka (njengeminyaka eyi-15 okanye yobomi) Ufanele unikele umhlawuli isatifikethi esipheleleyo sokubamba isitifiketi (ifomu W-4P okanye ifomu efanayo na elibonelelwa ngumhlawuli). awunayo, irhafu iya kugcinwa ngokungathi utshatile kwaye ucele izibonelelo ezintathu zokubamba. "
Ukunikezelwa kweeNkcitho ezingabikho kwiiNkcazo zeMhlala-phantsi ngamnye
Ukunikezelwa kwee-nonperiodic kwii-akhawunti zomhlala phantsi kunye nokuhlawulwa kwemali kuxhomekeke ekuthintela irhafu yengeniso yefesti kwizinga eliphantsi le-10%.
Ukunikezelwa kwee-nonperiodic naluphi na umrhumo ongaqhubekiyo ngexesha elifanelekileyo, njengokwabiwa kwexesha elilodwa. Kwi-Publication 575, i-IRS ithi, "Ngaphandle kokuba ukhethe ukungabikho nto, ukulinganiselwa kwezinga lokungabikho kokuhlawula (unkokhelo ngaphandle kwexesha lokuhlawula) elingenalo ukuhanjiswa kwe-rollover efanelekile kuku-10% wokusabalalisa.
Unokucela kwakhona umhlawuli ukuba anqande imali eyongezelelweyo usebenzisa Ifomu W-4P. "
Ngokukodwa, ngokubhekiselele kumakhawunti ngamnye omhlala phantsi, i-IRS ithi kwi-Publication 590, "Irhafu yengeniso ye-Federal igcinwe kwizabelo ze-IRAs zendalo ngaphandle kokuba ukhetha ukungabi nerhafu."
Ukunikezelwa kweeNkcitho ezingabikho kwiNkqubo yoMhlala-phantsi yoMqeshi
Isabelo sokungahlawulwanga kwisicwangciso somhlala-phantsi somqeshi (njenge-401 (k) okanye i-403 (b) izicwangciso) zixhomekeke ekuthintela irhafu yengeniso ye-federal kwizinga eliphantsi le-20%. Ukunikezelwa kwee-nonperiodic kwiplani yomqeshi kubandakanya ukunikezelwa kwemali yesibonelelo, kubandakanywa ukusasazwa okunokuthi kubekwe emva kwesinye isicwangciso. Nangona kunjalo, ukuba ukusasazwa kuhanjiswe ngokuthe ngqo kwelinye icebo lomhlala-phantsi kwi-trustee-to-trustee ukudluliselwa, ke ke irhafu ayifuni ukuba ivalwe.
Ukubambelela kwiNzuzo yoKhuseleko loLuntu
Abathengi banokukhetha ukufumana irhafu yengxowa yemali egcinwe kwiintlawulo zabo zeNtlalo . Ierhafu yengeniso ye-Federal inganqandwa kwisilinganiso se-7%, i-10%, i-15%, okanye i-25%. Sebenzisa Ifom ye-W-4V (PDF) ukuvumela uLawulo loKhuseleko loLuntu lukwazi ukuba lukhulu kangakanani irhafu onokuthintela.