Ngubani ovumelekile
Nabani na abaxhamliweyo, njengomntwana, umzukulu, umntakwabo, umntakwabo okanye umhlobo, unelungelo lokusula i-IRA. Imibutho yokuhlawulela ayifanelekanga kuba abanalindelo lobomi.
Ulwabelo oluncinane olufunekayo
Ukuhanjiswa okuncinci okufunekayo, okubizwa ngokuba yi-RMD, isixa esimele sihoxiswe kwizicwangciso ezithile zomhlalaphantsi ngamnye ngonyaka ngokwemithetho yerhafu. Umnini we-akhawunti akakwazi ukushiya i-akhawunti ehleliyo ngonaphakade, ukuvumela ukuba iqhubeke ikhula ngaphandle kweerhafu.
I-Internal Revenue Code inikezela ukuba iminikelo eyenziwe kwi-IRA ihlawulwa irhafu, kwaye iyancitshiswa kwiirhafu zerhafu. Kodwa i-IRS ifunayo enye ingeniso kwii-akhawunti, ngoko ke ukurhoxiswa kuhlawuliswa kwimivuzo yengeniso eqhelekileyo yomnini. Ngaphandle kweRoth IRAs , abanikazi kufuneka baqale ukuthatha ukurhoxiswa kweerhafu-RMDs - ngo-70 1/2 ubudala xa bekhulile umhlalaphantsi.
I-IRS ibeka izigwebo ezinzima ngenxa yokungenzi njalo.
Xa Abaxhamli kufuneka baqale ukuthabatha ii-RMD
Umxhamli we-IRAs ezizuze ilifa ngokubanzi unokukhetha ezimbini. Unako ukurhoxisa yonke i-akhawunti kwiminyaka emihlanu yokufa komnikazi, okanye unokuqala ukuthatha i-RMD ngokubhekisele kwithuba lakhe lokuphila ngunyaka omnye komhla wokufa.
Ukuba ixesha lokuphila kwakhe lide lide kunalo lomnini, oku kungakhokelela kwimipasho ephantsi efunekayo kunye nengeniso engaphantsi yerhafu kumntu onokufumana umvuzo.
Yintoni eyenzekayo Ukuba uMxhamli-mali akayi kuKhupha i-IRA
Umxhamli ofanelekileyo ukwelula isabelo esincinci esilindelekileyo kwixesha lakhe lobomi akumele enze njalo. Unako ukuhlawula i-IRA ifa ngeliphi na ixesha, kodwa oku kuya kubangela ukuba kufakwe yonke imali kwi-engenayo yerhafu yengeniso yonyaka apho bekhishiwe khona. Ukuba umzuzi akayidingi imali yesizathu esithile esichukumisayo, ngokuqhelekileyo ubulumko bentela engcono ukuba athathe kuphela ukusasazwa okuncinane okufunekayo ngonyaka ngamnye.
Ukusinda Abafazi Bakho Nenye indlela
Iqabane elisindalayo elibizwa ngokuba ngumxhamli oyintloko kwi-IRA ye-decedent inokhetho olongezelelweyo: Uyakwazi ukuqokelela imali kwi-IRA ezuze ifa kwi-IRA yakhe. Oku kumvumela ukuba aphathe i-IRA njengefa lakhe, ngokwemiqathango yakhe ye- RMD kunye nexesha lokuphila.
Abaxhamli be-IRA, kuquka nabatshatileyo abasaphila, ngokuqhelekileyo banokhetho oluninzi lokukhetha ukususela ekunqumeni ukuba benzani ne-akhawunti. Imigaqo yalezi zikhetho ingaba nzima.
Umxhamli uya kuba bubulumko ukubonisana nommeli wecebo lomhlaba, umcebisi wezezimali okanye umgcini-mali ngaphambi kokuba enze nantoni na izigqibo malunga nokuba ungakunciphisa kangakanani i-IRA.
QAPHELA: Imithetho yombuso kunye neyomthetho ingatshintsha rhoqo kwaye le ngcaciso ingabonakali utshintsho olutshanje. Nceda uqhagamshelane nommeli okanye ugqirha wengxelo yerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayikho isiluleko somthetho okanye yerhafu kwaye ayifaki indawo yeengcebiso zomthetho okanye zerhafu.