Ngezantsi zilishumi imibuzo ehlala ibuzwa malunga nendlela le IRA ihamba ngayo kwaye idlulisela umsebenzi, kwaye unako kwaye unako ukwenza.
Ukuhamba kweeNgxowa-mali ngelixa kusetyenziswa
Uninzi lwezicwangciso zomhlalaphantsi zenkampani azivumeli ukuba uhambise imali ngaphandle kwesi sicwangciso ngelixa usebenza. Ukufumana ukuba ngaba bayakwenza, ungabiza icebo lakho lixhasayo, kwaye ubuze ukuba bavumela into ebizwa ngokuthi "ukunikezelwa kwenkonzo". Isicwangciso asivumelekanga ukuba sikhethe le ndlela.
Ukunikezelwa kwenkonzo kwintlobo eyahlukeneyo yokuthengiswa kunokuba ubolekwe ngemali mboleko okanye ukukhutshwa kanzima. Ukunikezelwa kwenkonzo yinkonzo apho ungatshintsha khona inxalenye yemali kwisicwangciso sakho kwi-akhawunti ye-IRA ejongene nexa usebenza. Izicwangciso ezithile zivumela le nto.
Xa ungekho usetyenzisiweyo apho, imithetho iyashintsha. Ngelo xesha kunokuba kunengqiqo ukuqoqa imali kwisicwangciso sakho kwi-akhawunti ye-IRA. Ukuze ugweme ukurhoxisa irhafu, uya kufuna ukukhetha oko kuthiwa yi- IRA rollover ngqo apho isheke senziwe ehlawulwa kwiziko lakho elitsha lemali njengotrasti entsha okanye umgcini-mgcini .
Nangona abaninzi abantu bacinga nge-rollover ye-IRA njengokuba bathuthe imali esuka kwi-401 (k) kwi-IRA, kukho kwakhona i-rollover apho uhambisa khona iRARA imali kwakhona kwisicwangciso se-401 (k) . Ukuba unayo i-akhawunti engancinci ye-IRA kwiindawo ezininzi, kwaye isicwangciso sakho somqeshi sinikela ngokukhethekileyo ngemali ngemali ephantsi, ukhetho olukhethiweyo luya kuba yindlela yokuhlanganisa yonke indawo kwindawo enye.
Imirhumo yeRhafu xa uhambisa imali kwiSicwangciso soMqeshi ku-IRA
Ukuba ukuhanjiswa kwe-rollover efanelekileyo kuhlawulwa ngqo kuwe, i-20% yayo kufuneka ikhutshwe kwiirhafu zentlawulo. Oku kuthunyelwa ngqo kwi-IRS. Oku kusebenzayo nokuba uceba ukugqithisela ukudluliselwa kwi-IRA yendabuko. Unokuziphepha ukukhutshwa kweerhafu ezigunyazisiweyo ngokukhetha ukhetho olungqalileyo, apho isheke lokusabalalisa ihlawulwa ngqo kwiziko lakho elitsha lemali.
Ukudluliselwa kweeNgxowa ukusuka kwi-One IRA ukuya kwenye i-IRA
Ukudluliswa kwe-IRA kwenzeka xa uhambisa imali ye-IRA kwiziko elilodwa lezemali ngqo kwelinye. Ngaphandle kokuba kungekho ntlawulo ehlawulwa kuwe, ke ukutshintshwa akukho ntlawulo.
Ukusebenzisa imali ye-IRA ngaphandle kweRhafu Ukuba usuka kwi-IRA
Ukuba uhoxisa imali kwi-IRA, kwaye emva koko uyayibuyisela kwi-IRA yakho kwisithuba seentsuku ezingama-60, ukuthengiselana akuyi kuhlawulwa irhafu. Unokwenza kuphela olu hlobo lokudluliselwa kwe-IRA kanye naliphi na ixesha leenyanga ezili-12. Ukunikezelwa komntu omnye ngonyaka kuya kusebenza kwii-trustee ukudluliselwa apho imali ithunyelwa ngqo kwiziko elinye ukuya kwelinye.
Unokusebenzisa le mini-60 ilungiselelo lokuboleka imali kwi-IRA yakho ixesha elifutshane. Nangona kunjalo, ukuba nayiphi na isabelo sokuhanjiswa akuhlawulwa kwiintsuku ezingama-60, kwaye uneminyaka engaphantsi kwe-59 / 1/2, kuya kuthatyathwa ukuba i- IRA ihoxise kwangaphambili , ngokuxhomekeka kwerhafu kunye nezohlwayo, ngaphandle kokuba unako ukufumana ithuba.
Ukusebenzisa i-IRA Rollover ukuhambisa iNxalenye yeAkhawunti
Ngenhlanhla iRARA rollovers ayilona isisombululo-okanye akukho nto. Ungasebenzisa i-rollover ye-IRA ukuhambisa isabelo semali yakho kwi-IRA enye ukuya kwelinye, okanye emva kokuthatha umhlalaphantsi, kwi-rollover inxalenye yesicwangciso somhlala-phantsi se-IRA.
Ifa le-IRA kunye ne-Rolling kwi-IRA Yakho
Ukuba uzuze i-IRA yendabuko kwiqabane lakho, ungazifaka imali kwi-IRA yakho, okanye ungakhetha ukuyibeka njenge-IRA njengefa. Kukho ubuchule kunye nokuqhafaza ukwenza njalo.
Ukuba uzuze i-IRA yendabuko kumntu ngaphandle kweqabane lakho, awukwazi ukuluqhawula okanye uvumele ukufumana igalelo le-rollover. Kumele uhoxise i-asethi ye-IRA ngexesha elithile elichanekileyo ngokwemigaqo efunekayo yokusabalalisa (RMD).
I-Rollover ifuna iimfuno zoLwazi oluNcinane
Iimali ekufuneka zithunyelwe ngunyaka othile phantsi kweemfuno ezisisiseko zokusabalalisa ezifunekayo azivumelekanga kwi-IRA rollover yonyango.
Nangona kunjalo, unokwabelana ngezabelo zotyalo-mali kwi-IRA yakho ukuze ukwanelise iimfuneko ze-RMD. Ezi zabelo zize zihlale zityalomali kwi-akhawunti yomrhweba engekho phantsi. Ingaba usasaza imali okanye izabelo, nayiphi na imali eyabelwe kwi-IRA yakho iya kubikwa ngo-1099-R kwaye ifakiwe kwi-tax return yakho njengeniso.
Ukubika i-IRA Rollover Transactions kwi-Return Tax
IRA rollovers zichazwe ngokubuyela kwerhafu kodwa njengentengiso engekho yerhafu. Nangona ukwenza ngokufanelekileyo i-rollover ye-IRA, kungenzeka ukuba i-trustee yakho okanye umgcini-mgcini uya kuthi ingalunganga kwi-1099-R iyakhupha kuwe nakwi-IRS. Ndikubonile oku kwenzeka kaninzi kumsebenzi wam.
Ukuba umgcini wakho wokugcina uxela ukuthengiselana ngokungalunganga, kwaye unika amaxwebhu kwiprofayili yakho yerhafu ngaphandle kokuchazela ukuthengiselana kwabo, unokufumana ingxelo malunga nokubuya kwakho ngokungalunganga. Ukuqinisekisa ukuba awuhlawuli irhafu kwi-rollover ye-IRA okanye ukutshintshela, uchaze ngokucophelela nayiphi na i-rollover ye-IRA okanye utshintshe ukuthengiselana kwi-preparer yakho yerhafu, okanye uhlolisise onke amaxwebhu ukuba ulungiselela ukubuyela kwakho.
I-Rollover emva kweerhafu kwiRoth IRA
Izigwebo zerhafu zakutsha ziqinisekisa ukuba emva kwentlawulo yerhafu kwiplani yenkampani eqeqeshekileyo iyakuthathwa kwiRoth IRA. Oku kuyindlela ekhethekileyo njengoko imali yeRoth IRA ikhula ikhululekile irhafu kwaye awuyi kucela ukuhanjiswa kwiRoth.
Ukutshintshwa kweShishini leNkampani kwiSicwangciso ku-IRA
Unokwazi ukusebenzisa umyalelo werhafu okhethekileyo ukusabalalisa izabelo ze-stock stock ngaphandle kwesicwangciso xa usuhlala phantsi okanye ungasasebenzi apho. Olu khetho lokuhambisa olubizwa ngokuba yi- Net Unrealized Appreciation (NUA). Eminye i-401 (k) ingakuvumela ukuba utshintshe izabelo ezikhoyo ngqo kwi-IRA. Amaziko amaninzi afuna iimali zokuya kwi-IRA yakho njengemali endaweni yezabelo. Hlola kunye ne-401 yakho (k) cwangcisa umgcini wezimali ukuze ubone ukuba ziphi iindlela zokuhambisa ezivunyelweyo.