Gcina Imali Yakho Ekhulayo Imali Yengeniso Yentlawulo ngeRoth IRA
Ngenxa yezicwangciso ezininzi zokuthatha umhlalaphantsi, i-Internal Revenue Service (IRS) imisela ukuba awukwazi ukugcina imali yakho yomhlala-phantsi i-akhawunti yakho yomhlala-phantsi. Ukuze ukunyanzelisa lo mgaqo, i-IRS idinga ukuba uthathe ukwabiwa okuncinci okanye ii- RMD okanye ufumane isohlwayo esiphezulu.
Ziziphi iiMfuno eziMfuno eziNcinane (RMDs)?
Izicwangciso ezithile zokuthatha umhlala-phantsi, ezifana no- 401 (k) izicwangciso kunye ne- IRAs zemveli zidinga ukuba abantu baqale ukuhoxisa imali kwi-akhawunti yabo xa befikelela kwiminyaka yobudala engama-70½. Ezi zihoxiso ezifunekayo ziyaziwa njengeemfuno ezisisiseko ezifunekayo okanye ii-RMD, kwaye ziyalela ukuba inani elincinci abantu kufuneka lihoxise kwi-akhawunti yabo minyaka yonke eqala ngo-70½ ubudala. I-IRS ichanekile ngokuthe ngqo kwi-RMD njengoko zibandakanyiweyo kwingeniso ehlawulwayo yomhlala-phantsi kwaye, ngoko ke, ilawulwa yerhafu yengeniso. Leli thuba lika-IRS lokuqokelela irhafu yerhafu eye yachithwa okanye ayikho inkokhelo kuze kube yile ngongoma.
Kwabo bantu basebenzisa imali yabo yomhlala-phantsi yokuhlala emhlala phantsi, imfuno ye-RMD ayinanto engabalulekanga kubo baninzi abaye bafumana le mfuneko.
Enyanisweni, ekubeni ii-RMD ziphela ubuncinci obufunekayo, abaninzi abantu abasebenzisa imali yabo yokugcina umhlala-phantsi kwimali engenayo bahoxisa ngaphezu kwexabiso elifunekayo, kwaye baqala ukuhoxiswa ngaphambi kokuba umda wexesha ukhawuleze.
Kodwa kulabo bahlala phantsi abaneminye imvelaphi yokufumana umhlala-phantsi okanye abangenakuyichitha imali kule meko yeakhawunti yomhlalaphantsi, le mfuno ikhawuleza kwaye ibangela ukuba imali engenayo ifumaneke.
Ngenxa yoko, abanakuqhubeka nokugcina imali kule akhawunti ngokukhawuleza kunye nethuba lokukhula kwentela echasiweyo . Ngelixa i-RMD ziyimfuneko kwiIras zeNdabuko, i- 401 (k) izicwangciso , ii- SIMPLE IRAs kunye ne-SEP IRAs, ii-RMD azikho imfuneko kwi-Roth IRAs.
Yimfuneko nini iApps Minimum Distributions (RMDs)?
Kwiimeko ezininzi kufuneka uthathe ukusasazwa okusemgangathweni okufunekayo wokuqala kunyaka oya kufikelela kwiminyaka engama-70½ ubudala. Nangona kunjalo, ukusasazwa kwakho kokuqala kunokulibaziseka kude kube ngu-Ephreli 1 wonyaka olandelayo kunyaka ophendulela ngawo 70½. Kuyo yonke iminyaka elandelayo, kubandakanywa nonyaka owamkela i-RMD yokuqala ngo-Apreli 1, kufuneka uthathe i-RMD ngo-Disemba 31 wonyaka.
Ukuba awuyi kuthatha ikhefu, okanye uthabatha ngaphantsi kunokuba ufanele, uya kugqiba ukutshatyalaliswa kwerhafu yentlawulo ye-federal ye-50% emkhatsini wemali oyishiye kuyo kunye nemali oyifanele uyihoxise. Kwaye kunye nezo ngxelo ezimbi uya kufuneka uhoxise imali efunekayo kwaye uhlawule nayiphi irhafu yengeniso ngenxa yemali ehlawulwayo.
Indlela yokubala inani lakho lokusabalalisa elifunekayo
I-Internal Revenue Service inikezela iifomishishini zokusasaza ezincinci ezifunekayo zokuncedisa kwinkqubo yokubala ii-RMD.
- Uluhlu Oluhlangeneyo kunye Oludlulileyo (jonga iSithasiselo B) - Se benzisa ukuba lakho iqabane lilishumi elishumi kuncinci.
- Ubomi obungabodwa Ubume beThala - Sebenzisa xa uthatha isabelo njengomntu ongenamlingani womlingane.
Iindidi ezahlukeneyo zokubala i-RMD zokubala nazo ziyafumaneka ukukunceda ukubala izabelo ezifunekayo.
I-Roth IRAs kunye neSabelo esiNcinane (Distribution Minimum) (RMDs)
I-Roth IRAs, njengezinye izithuthi zokugcina umhlala-phantsi, zinikela ngeenzuzo ezininzi ekukhuleni kwentlawulo yerhafu ekutshintshiseni ukutshintsha kwemali, kodwa enye inzuzo enokwenzeka yeRoth IRAs kukuba ayinaso isabelo esiphantsi (RMDs) kwaye ayithobeli phantsi kwemithetho ye-RMD. Kwabanye abantu abadala kunama-70½ akudingeki ukuba bathathe nayiphi na imali kwizicwangciso zabo, oku kuthetha ukuba ukukhula okungahlawulwa kwentlawulo enikezelwa yiRoth IRAs kunokuqhubeka.
Kwabaninzi abasetyenziselwe umhlalaphantsi, le migaqo ngaphandle kwemithetho ye-RMD ayimfuneko, njengoko abaninzi abantu baqala ukuhoxiswa kwiRoth IRA yabo emva komhlalaphantsi. Kodwa kulabo abangenakufuna ukurhoxisa imali kwiRoth IRA yabo yokuhlala umhlalaphantsi, iRoth IRA inokunikela ithuba elihle lokudlula ilifa elikhulayo kwiindlalifa kunye nabathandekayo. Nangona iRoth IRAs ingenayo i-RMD ngexesha lokuphila komnikazi we-akhawunti, ukuhoxiswa kuyadingeka kwiimali zeRoth IRA ezizuze njengefa, kodwa zilandela imithetho eyahlukileyo kwimimiselo ye-RMD.