Kodwa xa kuziwa kwi-asethi ye-SIMPLE IRA, imigaqo iyahluke.
I-SIMPLE IRA Rollovers
Isicwangciso soNyaka-mali sokuThuthukiswa kwabasebenzi (ISICELO) IRA ngumnqamlezo phakathi kwe-IRA rhoqo kunye no-401 (k). Njengeminye i-IRAs, iminikelo oyenzayo kwisicwangciso isoloko eyakho kwaye njengamanye amacebo axhaswe ngumqashi afana ne-401 (k), abaqeshi bangenza iminikelo kwi-SIMPLE IRA egameni lakho. Ezi ntlobo zezicwangciso ziyinkolelo enkulu kumashishini amancinci nabasebenzi abangaphantsi kwekhulu.
Ngoko ke unayo i-SIMPLE IRA emsebenzini, kodwa uyeke ukuthatha omnye umsebenzi apho isicwangciso se- 401 (k) sifumaneka, unokhetho oluthile lwaloo mafa kwisicwangciso sakho somqeshi sangaphambili. Kuyafana xa umqeshi wakho wangoku ubeka endaweni ye-SIMPLE IRA yabo entsha nge-401 (k) icebo. Kananjalo unakho ukhetho lwemali kwi-SIMPLE IRA yakho yangaphambili yomqeshi xa ushiya umsebenzi wakho ngokupheleleyo kwaye unomdla ekuthathe imali yakho YOKUQALA kwaye uyibeke kwi-IRA.
Kungakhathaliseki ukuba yintoni imeko, ungathanda ukwazi ukuba ungayifaka i-ISRA SIMLELE kwi-plan entsha efanelekileyo.Impendulo elula nguwe, kodwa zilapha iinkcukacha.
Ulawulo lweMinyaka emi-2 ye-SIMPLE IRA Rollovers ukuya kuma-401 (k) Izicwangciso kunye nee-IRA
Ukuba uthathe inxaxheba kwi-IRA SIMLELE ubuncinane ubuncinane iminyaka emibili, unako ukugqithisa isicwangciso sefa kwisinye isicwangciso esifanelekileyo, njengesi-401 (k) okanye i-IRA.
Ukukhwela kwi- IRA yakho ye- SIMPLE IRA kwi-IRA rollover , akuyona inkqubo enzima kakhulu, kodwa uya kufuna ukuqinisekisa ukuba uzalise i-rollover ngokwemiqathango yeSicwangciso sakho se-SIMPLE IRA kunye nemigaqo ye-IRS ukuqinisekisa ukuba i-rollover iyafaneleka isohlwayo kunye nentlawulo ye-trustee-to-trustee.
Imithetho efanayo ifaka i-SIMPLE IRA rollovers kwi-401 (k) isicwangciso. Ukuba ufanele uthathe omnye umsebenzi apho u-401 (k) isicwangciso sinikwa khona, unakho ukhetho lokurhoxisa i-asethi yakho ye-SIMPLE IRA kwisihlomelo sakho soqeshiso somqeshi kunye nentlawulo yerhafu ukuba uncedise kwi-SIMPLE IRA ubuncinane ezimbini minyaka. Ngaphandle koko, i-rollover enjalo inokubangela ukuhlawulwa. Ngokufanayo, ukuba umqeshi wakho uguquka kwi-SIMPLE IRA ukuya kwi-401 (k), unako ukurhoxisa i-asethi ye-SIMPLE IRA kwi-401 entsha (k) isicwangciso esinikezela ukuba uhlangabezane nokulawula kweminyaka emibini.
Ulawulo lweMinyaka emi-2 lwe-SIMPLE IRA Rollovers kwenye i-SIMPLE IRA
Ukuba akuzange kube yiminyaka emibili ukususela kwigalelo lakho lokuqala kwi-SIMPLE IRA, awuyi kuluhlulela nakweyiphina isicwangciso ngaphandle kwesinye i-SIMPLE IRA ngaphandle kokubangela izigwebo ezinkulu ezincinane ezingama-25% zolawulo lonke. Oku kuthethi, unako ukuthumela nayiphi na imali evela kwi-SIMPLE IRA kwenye i-SIMPLE IRA kwi-transfert-to-trustee yokudluliselwa nayiphi na ixesha kungakhathaliseki ukuba ubude bexesha uthathe inxaxheba.