I-Minute yokugqibela I-Ira Imali-ngcebiso Iingcebiso kulabo abasondeleyo

Cinga ukuba awunayo imali efanelekileyo yokuxhaswa i-IRA yakho? Mhlawumbi Wenza.

Abantu abaninzi banolondolozo kodwa abahlala bexhaswa ngokupheleleyo ngeakhawunti yabo yomhlalaphantsi kuba abafuni ukusebenzisa imali yabo yokugcina. Baxhala malunga nokunciphisa inani leengxowa-mali zabo zexakeka okanye i-cash reserves.

Ukuba awunayo ingeniso eyongezelelweyo ukuxhaswa ngeakhawunti yomhlala phantsi ngaphandle kokuhamba kwemali okungafanelekanga ukukuyeka.

Njengoko usondele kufuphi nomhlalaphantsi, usondela kwakhona (okanye sele usuphelile) uneminyaka engama-59 ½.

Xa uneminyaka engama-59 ½ ungathatha ukurhoxiswa kwiakhawunti yakho yomhlalaphantsi ngaphandle kokuhlawulwa kwentlawulo yeerhafu . Oko kuthetha ukuba iakhawunti yakho yomhlala-phantsi sele ifikeleleke ngakumbi kuwe.

Ukuba ungayithatha imali ngokukhawuleza ngaphandle kwesihlwayo, kwaye ukuba kukho inzuzo yerhafu yokubeka imali kwiakhawunti yakho yomhlalaphantsi, ke akukho sizathu sokuba ungenzi.

Nangona ufumane imali engenayo , unako ukuxhasa iakhawunti yomhlalaphantsi. Ude u-Apreli 15 ukunika imali kwi-akhawunti yonyaka werhafu wangaphambili. Ukuba awunakho ukuhamba kwemali eyongezelelweyo, unokukwazi ukutshintsha imali kwi-akhawunti engekho yomhlala phantsi kwiakhawunti yakho yomhlala-phantsi okhuselekileyo. Nazi iindlela ezintathu zokwenza oko.

Hambisa i-Akhawunti ye-Savings kwi-Roth yakho i-IRA, i-HSA okanye enye i-IRA

Ndiyathanda iRoth IRAs. Ukuba unelungelo lokuxhaswa iRoth , ngoko, ngandlela-thile, cinga ukutshintsha ezinye zokugcina kwakho kwi-Roth kuwe kunye neqabane lakho.

Unokuhlala uhoxisa umrhumo ngaphandle kwerhafu okanye izigwebo. Inzuzo kuRoth inzala yengeniso iyabhalwa ngaphandle kweerhafu.

Kungcono kunokuba iRoth, jonga kwi-Akhawunti Yokulondoloza Impilo (HSA) ; unako ukuxhaswa loo mali de ufikelele kwiminyaka engama-65, nangona ungenayo imali engenayo.

(Kufuneka ufumane uhlobo olufanelekileyo lwecebo lokunakekelwa kwezempilo ukuxhasa i-HSA.)

Ukuba wenza imali eninzi ukuxhaswa kwiRoth kwaye abafanelekanga kwi-HSA ngoko yibona yintoni enye iindidi ze-IRAs onokukwazi ukuyixhasa, njenge- IRA yeNdabuko, i-IRA ye- Spousal , okanye i-IRA engekho .

Sebenzisa inzala evela kwi-CD engakhange ikhule

Ama-CD amaninzi aneentlawulo zokurhoxiswa kwangaphambili, kodwa unokuthi uthathe inzala eqokelelwayo kwi-CD ngaphandle kokufakela isohlwayo. Ukuba unayo ii-CD ezingekho ngaphakathi kwiakhawunti yomhlalaphantsi, qwalasela ukusebenzisa umdla ukuxhasa i-akhawunti yomhlalaphantsi.

Sebenzisa i-Penalty-Free Retraction From A Non-Qualified Annuity

Ingaba unayo i-annuity engekho ngaphakathi kwe-akhawunti yomhlala phantsi? Ukuba ungaphezulu kwama-59 ½, inzuzo ingahoxiswa kwaye ayikho phantsi kwentela yehlawulo, kodwa iya kuxhomekeka kwerhafu yengeniso evamile. Ngoko ukuba ungaphezu kwama-59 ½ uze uhoxise inzuzo, uze uyifake kwi-IRA echithwayo, ukuthengiselana kuya kuba yerhafu. Ngoko kutheni? Ukuba umkhiqizo wakho wokuhlawula unemali ephezulu, ungatshintsha imali kwi-IRA kwaye uthenge iimali zenkcukacha ze-index kunye nezindleko ezincinci. Ngaphambi kokwenza oku qinisekisa ukuba awuvumeli nayiphi na inzuzo ye-inshorensi engenakunyuswa ingeniso.

Ezinye iikhontrakthi zonyaka ezindala zifanelekile ukugcina nangona zinemali ephezulu.

Iingxelo zeRhafu zomhlala-phantsi zibonelela ngokukhusela umthengi, ukuchaswa kwentela, nakwiimeko zeRoths kunye ne-HSAs, ukurhoxiswa kweerhafu kwiimeko zokuhlala. Kunengqiqo ukufumana okungangoko unakho kwiididi zee-akhawunti.