Ifa le-IRA Imithetho Okufuneka Uyazi

Oko Kufuneka Ukwazi Ngokumalunga ne-IRA

NgokweSatisatisti, isizathu esivame kakhulu ukuba uzuze ifa (okanye uza kufumana ifa) kwisixa semali kwi- IRA ezuze ilifa ngenxa yokuba ilungu losapho okanye umhlobo wasweleka kwaye washiya iisitokisi , iibhondi , iimali eziphathekayo , ii- ETF , ii-REIT , imali, kunye nezinye izinto azifumene ngaphezu kwexesha lokuphila kwireferensi yerhafu. Njengabantu abaninzi abazuze imali kwi-IRA, kukho uluhlu lwemibuzo efunwa ngokuqhelekileyo. Yintoni omele uyenze?

Ziziphi iimithetho ze-IRA ezizuze ifa? Iimigibe zerhafu? Izibonelelo?

Kwimizuzu embalwa ezayo, siza kujonga kuyo yonke le mibuzo ukuze ekupheleni kweli nqaku, ithemba lam uyaziva ukhululekile kunye nemithetho yomhlaba ye-IRA enefa. Akukufaneki nje okanye kudideke njengoko ungacinga ngokujonga kuqala, kodwa kubaluleke kakhulu ukuba uqhubeke phezu kwezikhetho zakho kunye nomcebisi oqeqeshiweyo owanikezela ngemiphumo yokufumana kakubi.

Indlela ophatha ngayo i-IRA yakho eyabelwe ifa Ixhomekeke kwiNkundla yokuba uyatshatile

Ngaphambi kokuba uqhubeke, kufuneka uphendule imibuzo emibini:

1. Ngaba utshatile umntu oshiye i-IRA njengelifa?
2. Ngaba umnikazi we-IRA ufikelele kwiminyaka apho kwakufuneka kwenziwe umrhumo omncinci?

Kulula ngokwaneleyo, akunjalo? Makhe sijonge kwiimeko ezahlukileyo ezivela ngokuxhomekeke kwindlela ophendule ngayo imibuzo echazwe ngasentla.

Ifa le-IRA Inkcazo I: Ukuba uphendule ewe kwimibini yomibini - usatshatile kwaye iqabane lakho lifikelele kwiminyaka apho kufuneka ukunikezelwa kwemvume (okwangoku iminyaka engama-70.5 ubudala), unokhetho oluninzi:

1. Yiphatha i-IRA njengefa lakho njenge-IRA yakho, uyongeze kwiakhawunti yakho yomhlalaphantsi kwaye uvumele imali ihlanganiswe ngokungathi ubeke eceleni kwakho lonke eli xesha.

1. Ukusabalalisa ibhalansi ye-IRA usebenzisa ixesha lakho langoku kunye netafile ekhethekileyo ye-IRS.
2. Ukusabalalisa ibhalansi ye-IRA usebenzisa itafile ekhethekileyo ye-IRA kunye
   1. Ukutshatyalala iminyaka yobudala bomlingani wakho njengomhla wokuzalwa kwakhe ngonyaka awafa ngawo,
   2. Ukunciphisa ixesha lokuqala lokuphila ngo-1 ngamnye kunyaka odlulayo, njengokuba wawuya kuphila, kwaye
   3. Ukuthatha ubuncinane ukusasazwa okufunekayo kunyaka wokufa.

Ifa le-IRA Inkcazo II: Ukuba uphendule ngowebo ngombuzo omnye kodwa kungengomnye - utshatile kodwa umlingane wakho wayengenayo, kodwa, wafikelela kwiminyaka apho kwakufuneka kwenziwe ukunikezelwa okuncinci, unokhetho lwesithathu:

1. Ukuphatha i-IRA njengefa lakho le-IRA yakho, ukulifaka kwiakhawunti yakho yomhlalaphantsi kwaye uvumele imali ihlanganiswe ngokungathi uyibeke eceleni kulo lonke ixesha.
2. Gcina imali kwireferensi yerhafu ye-IRA ngokungabi ngaphezu kweminyaka emi-5. Ekupheleni konyaka wesi-5 emva konyaka wokufa kweqabane lakho, kufuneka uhoxise konke.
3. Ukusabalalisa ibhalansi ye-IRA usebenzisa itafile ekhethekileyo ye-IRA usebenzisa ubudala bomlingane wakho okhoyo unyaka ngamnye.

Qaphela ukuba ukusabalalisa akudingeki ukuba uqale de ukuba umnini-mvelaphi (umlingane wakho) ube ngu-70.5 ubudala. Ukuba lakho iqabane lingaphantsi kwakho, oku kukuvumela ukuba unandiphe iminyaka eyongezelelweyo yentlawulo engenayo kunye neengeniso oza kuvuya xa besaphila.

Ifa le-IRA Inkcazo ye-III: Ukuba uphendule u-no kumbuzo wokuqala kwaye ewe okwesibini - ungatshatanga kumnini we-IRA kwaye sele sele ifikelele kwiminyaka apho kufuneka khona ukunikezelwa kwegunya, kufuneka usebenzise itafile ekhethekileyo ye-IRA usebenzisa enye yezi zikhokelo zilandelayo:

1. Sebenzisa okanye ubuncinci be-1.) ubudala bakho okanye 2.) umyinge womnini woqobo ekuqaleni komhla wokufa.
2. Misela iminyaka yakho ekupheleni konyaka emva konyaka wokufa komnini-ntlandlolo.
3. Ukusebenzisa umdala omdala wabaxhamli abaninzi.

Uzakufuna ukunciphisa ixesha lokuqala lokuphila ngo-1 kunyaka ngamnye olandelayo. Kwakhona phawula ukuba kule meko, ungathatha isabelo esincinci esifanelekileyo umnini oya kuthatha kunyaka wokufa.

Ifa le-IRA Inkcazo ye-IV: Ukuba awuphendulanga akukho kumbuzo emibili - awuzange utshatile umnikazi we-IRA kwaye ayenakho, kodwa, afinyelele kwiminyaka ekufuneka ukuba bathathe ngayo imida encinci, unoku:

1. Thatha yonke ibhalansi ye-IRA ekupheleni konyaka wesi-5 olandelayo emva konyaka wokufa, unokuba wongeza unamahloni oneminyaka engama-6 eyongezelelweyo yerhafu engenakunyulwa ngokuxhomekeke kumhla owenziwe ngumnini wokuqala.
2. Ukusabalalisa ibhalansi ye-IRA ngokubhekisele kwitafile ekhethekileyo ngelixa usebenzisa iminyaka yakho ekupheleni komnyaka emva komnyaka wokufa komnini, ukunciphisa ixesha lokuqala lokuphila ngo-1 kunyaka ngamnye olandelayo.

Ifa le-IRA Inkcazo V: Ukuba i-IRA ishiywe kwifa, iintlobo ezithile zeengxowa-mali ze- trust , uthando, okanye ngesizathu esithile zazingenamntu oxhamliweyo kwaye umnikazi we-IRA wangaphambili wayesebeneminyaka yobudala yokunyanzeliswa ukuba athathe ulwabelo oluncinane olufunekayo, ngoko kufuneka usebenzise itafile ekhethekileyo ye-IRA, ehamba ngumda wobudala bokuqala njengomhla wokuzalwa ngonyaka wokufa. Udinga ukunciphisa ukuqala kwexesha lokuphila ngo-1 kunyaka ngamnye olandelayo kwaye unokuthatha ukusasazwa okusemgangathweni okufunekayo kunyaka wokufa.

Ifa le-I-Scenario VI: Ukuba i-IRA ishiywe kwi-estate, iintlobo ezithile zeentlawulo ze-fund, i-charity, okanye ngesizathu esithile zazingenamntu oxhamliweyo kwaye umnikazi we-IRA wangaphambili wayemncinci ngokwaneleyo kangangokuthi akafuneki ukuba athathe ubuncinane ukusabalalisa, unako ukugcina i-IRA ezuze ilifa kwiindawo zokukhusela irhafu ukuya ekupheleni konyaka wesi-5 emva konyaka wokufa, okukuvumela ukuba ujabule ukuya kwintloni yeminyaka engama-6 eyongezelelweyo yerhafu ngaphandle kokuxhomekeka ngomhla Umntu wokuqala washona.

Ifa lokulinganisa i-IRA Imali ayikho i-Longer Bankruptcy ekhuselweyo

Imilinganiselo ye-IRA ngokubanzi ayinakufikelela kubantu ababolekisi kwiimeko ezininzi, ngokuphindaphindiweyo ukuya kumanani aphantsi asixhenxe. Ngoba? Isizathu kukuba uluntu lufuna ukukhusela ifa lempahla yomhlala-phantsi njengokuba bekuya kuluhlobo lwesibonelelo somhlala-phantsi endala ukuba asinabo abantu asebekhulile abahlala kwiidima zentlawulo. Ukuba nabani na omele athathe ilahleko, kufuneka ukuba ngababolekisi abathi, kwiimeko ezininzi, bakhetha ukwandisa i-credit kwindawo yokuqala.

Kwangexesha elide, izilinganiso ze-IRA ezizuze njengefa ziye zaphathwa ngokufanayo kwi-IRA izilinganisi-mali abatyali bezakhele ngokwabo njengento. Nangona kunjalo, ngoJuni ka-2014, iNkundla ePhakamileyo yase-United States inqume ngo- Clark v. URameker ukuba abathengi banokulandela i- IRA ngemali kunye ne-asethi ukuze bawanelise amabango abo, ngokutshintsha ngokunyanisekileyo ukulawulwa kwemingcipheko kwenkqubo yokuthatha umhlala-phantsi yaseMelika. (Icala laphakama xa uHeidi Heffron-Clark efihla ukutshatyalaliswa ngonyaka ka-2010 kwaye ababolekisi bakhe bazama ukuthatha i-IRA eyayizuze ifa i-IRA eyayishiywe ngumama wakhe kwiminyaka elisithoba ngaphambili ngo-2001.)

Inkundla ithembele ekuthi, njenge-IRA eyayizuzwayo ilawula ukuba siye ngaphaya kwelo xesha, iCongress ihlose ukuphatha imali edlulileyo kwiindawo zokukhusela zeerhafu ngokungafani nemali ozibeka eceleni kwi- IRA yakho ye- Traditional okanye i- Roth IRA .

Ngaphandle? Ukuba uthe watshata kumnini we-IRA kwaye unqume ukuhamba kunye naluphi na olukhetho olukhoyo oluvumela ukuba uqoqe imali ye-IRA kwifa lakho kwi-IRA yakho , okwenza ukuba ihambisane nemithetho efanayo neye-asethi yakho yomhlalaphantsi (kuquka le % isohlwayo sokuqala sokurhoxisa xa uhlasele ingxowa yecookie ngaphambi kokuba uphendule iminyaka engama-59.5 ubudala, nangona kukho iindlela zokuhamba malunga naloo nto, ukuba ufanelekile ).

Isifundo sicacile: Ukuba usatshatile, ungavumeli imali ihlale kwi-IRA ezuze ifa. Cinga ngokuqwalasela ngokubanzi kwi-IRA yakho ngokukhawuleza ukuba uqikelele ukwenza njalo.