Xa iRoth IRA ilahla iRhafu-ikhululekile?
Ngaba iRoth IRA iyakhutshwa irhafu?
- Ewe, ukuba uhoxisa nje inani leminikelo yakho yangaphambili, kungakhathaliseki ukuba uneminyaka yakho.
- Ewe, ukuba uneminyaka engama-59 ½ okanye ngaphezulu kwaye ube neRoth yakho iminyaka emihlanu okanye ngaphezulu (njengoko kulinganiswe ukususela ngowokuqala konyaka owamiselwa ngalo kuqala kwaye unomdla kwiRoth yakho).
- Uneminyaka engama-59 ½ ubudala kwaye ube neRoth IRA yakho iminyaka engama-5 okanye ngaphezulu, kodwa uthatha ukusasazwa ngenxa yokuba ukhubazekile, ungumzuzi uzuze iRoth, okanye udibana neyodwa ngenxa yokuba ukusasazwa kusetyenziswa ukuthenga okanye yakha indlu yokuqala njengoko ichazwe kwi-IRS Publication 590-B, Izabelo zokuqala, Icandelo lokungabikho.
Xa iRoth IRA ihoxiswa?
Ukurhoxiswa kweRoth IRA yakho ingakhokhiswa ukuba:
- Awuzange uhlangabezane nolawulo lweminyaka emihlanu yokuvula iRoth kwaye uneminyaka engaphantsi kwe-59 ½ : Uya kuhlawula irhafu yengeniso kunye nerhafu ye-10% yentlawulo ehlawulwayo. Isohlwayo se-10% iyakususwa xa udibana nenye yeesibhozo ezisibhozo ukuya kwerhafu yokuqala yokuhlawulwa kwentlawulo .
- Awuzange uhlangabezane nolawulo lweminyaka emi-5 kodwa uneminyaka engaphezu kwama-59 ½ : Ukufumana imali ehlawulwayo kuya kubandakanywa njengeniso engenayo kwaye ixhomekeke kwingeniso yerhafu kodwa ayiyi kuthotywa kweerhafu ye-10%.
- Udibene nomgaqo-iminyaka emi-5 kodwa awukho u-59 ½ : Ukufumana imali ehlawulwayo kuya kuthathwa njengengeniso kwaye kuxhomekeke kwerhafu yengeniso kunye nerhafu ye-10% yentlawulo. Isohlwayo se-10% iyakususwa xa udibana nenye yezinto ezingaboniswa kwiphepha 64 le-IRS Publication 590.
Icandelo elingentla likhuluma malunga nemali . Imali ayifani efanayo neminikelo okanye imali yokuguqulwa. Xa uthabatha iRoth IRAs, ukurhoxisa kwakho kuthathwa njengokuba kwenzeka kwi-odityi ekhethekileyo kunokuba yiyiphi inxalenye yokuhoxiswa, ukuguqulwa okanye ukufumana imali. Nantsi indlela esebenza ngayo:
Iminikelo rhoqo ihoxiswa kuqala . Ezi ziphuma ngaphandle kwentlawulo ngaphandle kwexesha okanye ubude bexesha njengoko uvula iRoth.
Ukuguqulwa kunye nemali ye-rollover yokuqala, kuqala . Inkokhelo ehlawulwayo okufuneka uyenze kwimali engenayo ngenxa yokuguqulwa kokuqala, inxalenye engekho ityala yokuguqulwa / imali elandelayo. Ukuguqulwa okanye ixabiso lokurhoxiswa emva koko lihoxiswa lihlawulwe irhafu yentlawulo ye-10%. Eli lungiselelo lijoliswe ukugcina abantu abangaphantsi kweminyaka engama-59 ½ ukusuka ekuthathe i-IRA rhoqo, ukuyiguqulela kwiRoth, kwaye emva koko kunyaka ozayo uthabathe ukusabalalisa, ngaloo ndlela unqande i- IRA yenkcubeko yangaphambili .
Ukuthintela oku, xa uguqula imali kwi-Roth, i-clock ye-5 yonyaka iqala kwaye nayiphi na imali omele uyifake kwimali engenayo ngexesha lokuguqulwa elihoxiswa ngaphambi kokuba iwashi le minyaka emi-5 liphakanyiswe, liphantsi Irhafu ye-10%. Esi sihlwayo se-10% asisebenzisi ukusasazwa kwiinguqu zeRoth ezenzeka kwi-59 ½ ubudala okanye emva.
Ukufumana kwiminikelo. Iintlawulo ezixhasiweyo ziphantsi kwentela yengeniso kunye nerhafu ye-10% yerhafu ngaphandle kokuba uhlangabezane neziqinisekiso phantsi kwento yesi-2 okanye yesi-3 kwicandelo elingentla.
U mzekelo
Ngezantsi zimbalwa imizekelo ekuboniseni indlela yokusebenzisa le mithetho.
Sally
U-Sally uneminyaka engu-58. Uvula kuqala u-Roth aze anike i $ 6,000 kwaye aguqule i $ 50,000 kwi-IRA yeNdabuko kule Roth IRA. Kwiminyaka emibini kamva, uSally ufikelela kwiminyaka engama-60 kunye neRoth IRA exabisa i-$ 60,000. Uyakhupha konke ukuthenga i-motor home.
USally akakhokheli irhafu kwi-$ 6,000 yemirhumo kwaye akahlawuleli irhafu yengeniso okanye irhafu yentlawulo ye-10% kwi-$ 50,000 yakhe ukusuka ekuguquleni kuba sele ehlawule irhafu ngeli xesha aguqule kwaye akanaso isohlwayo njengoko eneminyaka engama-59 ½. Uhlawula irhafu yengeniso kwi-$ 4,000 eyabelwe kwimbuyekezo ngenxa yokuba akazange ahlangabezane nolawulo lweminyaka emi-5.
Ukuba i-Sally yayisusa kuphela i-$ 56,000, akukho nto iya kuhlawulwa, kwaye i-earnings ingasala enye iminyaka emithathu xa yayingayikhupha irhafu.
U Yohane
UJohn uneminyaka engama-58 kwaye uye waba neRoth IRA engaphezulu kweminyaka emi-5 kunye ne-20,000 eyi-$. Iingxowa ezili-10 000 zavela kwiminikelo yakhe yangaphambili kunye nomnyaka odlulileyo wajika i-$ 8,000 kwi-IRA yendabuko waya eRoth. Olunye u-$ 2,000 weRoth wakhe luvela kwimali yokutshala imali. UJohn uphonsa kwiRoth IRA yakhe yonke.
Kwi-$ 10,000 yokuqala yokuhoxiswa, akahlawulisi irhafu, ekubeni uhoxisa umnikelo wakhe wokuqala. Kwi-$ 8,000 ezayo yokuhoxiswa, uhlawula irhafu yentlawulo ye-10% kuba sele iphantsi kweminyaka emi-5 ukususela ekuguqulweni.
Kulo nyaka odlulileyo i-$ 2,000 yokurhoxiswa, okuyiyo yonke inzuzo yokutshala imali, uhlawula irhafu yengeniso kunye nentlawulo yeerhafu ye-10% kuba engahlangabezane neemfuno ezimbini zomgaqo-iminyaka emi-5 kwaye engaphezulu kweminyaka engama-59 ½, kwaye akafanelekanga ukuxolelwa . Ukuba wayeneminyaka engama-59 ½ ubudala, akayi kuhlawula irhafu kule nxalenye yokuhoxiswa. Ukuba wayeneminyaka engama-59 ½ ubudala kodwa engazange ahlangabezane nolawulo lweminyaka emi-5, uya kuhlawula irhafu yengeniso kodwa kungekho ityala lentlawulo kule nxalenye yokuhoxiswa.
I-Roth 401 (k) ihlukile
Izikhokelo zokurhoxisa ngasentla zikuncede ukuba wazi ukuba uza kuhlawulwa irhafu kwiRoth. Hlalani nikhumbula, iRoth 401 (k), ebizwa ngokuba yiArted Roth Accounts , isebenza ngokungafaniyo, ngoko ke ukuba unemali kwiRoth 401 (k) emsebenzini, akuyiyo yonke imigaqo ekhankanywe apha ngasentla.