Ngaba uyayazi xa ushiya umqeshi wakho ukuba uceba ukulungisa i-akhawunti yakho yomhlala-phantsi kwi-IRA-kodwa ungagcwalisi iphepha ngokuchanekileyo-ungagqiba ukuhlawula irhafu engavumelekanga? (Ngeentlawulo ezenziwe ngokufanelekileyo akukho ntlawulo efunekayo.)
01 Ukwenza i-IRA ihamba ngendlela engalunganga
Kuthiwani ukuba oku kwenzekayo kwaye awunayo i-$ 40,000 elalijikelezile ukubuyisela kwi-IRA ukwenzela ukuba ubambe ukuhlawulwa kweerhafu ngoku ithunyelwe kwi-IRS? Ewe, loo mali engama-40,000 yeerhafu ezingavumelekanga ithatyathwa njengentlawulo ehlawulwayo kwiakhawunti yakho, kwaye kufuneka uhlawule irhafu kuyo-nokuba ngaba ufuna ukuba konke kube yi-IRA rollover. (Kwi-25 yepesenti yentlawulo yerhafu eyi-$ 10,000 yentlawulo yonyaka eyayingagwenywa.)
Ukuba uneminyaka engama-59 1/2 ubudala kwaye oku kwenzeka kuwe, kuya kufuneka uhlawule irhafu yentlawulo ye-10 yepesenti. Yikes!
Uyakuphepha njani le mpazamo enkulu yentela? Xa ushiya umqeshi kufuneka uhlawule ngokufanelekileyo imali yakho .
02 Ukungazi Ngokumalunga ne-RMD (iMifuziselo encinane efunekayo)
Yinyani. Xa usufikelele kwiminyaka engama-70 ½, ukuba unayo imali kwi-IRAs yendabuko-okanye ezinye iiplani zomhlala phantsi ezisesikweni ezifana no-401 (k) okanye 403 (b) -noko kufuneka ukuba uthathe isabelo. Isixa omele usihoxise senziwa ngumgaqo-nkqubo ngokusekelwe kwiminyaka yakho kunye nokulinganisela kwe-akhawunti yakho ngomhla wama-31 ka-31 wangaphambili.
Njengoko ukhula, unyaka wonke uneminyaka ubudala kufuneka uhoxise ipesenteji ephezulu yebhalansi eseleyo kunokuba ufanele uhoxise unyaka ongaphambili.
Ukuba awuyi kuthatha imali efunekayo? Unokuhlawulwa irhafu yerhafu ye-50% yexabiso omele uyenze!
Izabelo ezifunekayo zinokusetyenziswa kwiiIRA ezizuze njengefa kunye neRR IRAs ezizuze ifa, nokuba uneminyaka engama-70 / 1/2.
03 Ukungahlawulwanga irhafu kwiPenshini kunye noKhuselo loLuntu
Iintlobo ezininzi zeerhafu zomhlalaphantsi zihlawulwa . Ngokomzekelo, ingeniso yempesheni iyimali engenayo engenayo, kwaye ingeniso yakho yeNhlalakahle yeNtlalo ingaxhomekeka kwerhafu! Ukongeza, uza kuxela inzala, izabelo kunye neenzuzo ezinkulu kwiinkcukacha ezingekho phantsi komhlala phantsi.
Xa uthatha umhlalaphantsi, ukuba awunayo imali elungileyo kwiintlawulo ezingagcinwanga kwi pension yakho okanye Ingeniso yeNhlalakahle yeNtlalo ungase ube ngowothusayo olukhulu xa ufaka irhafu yakho. Uya kufuneka wenze uhlalutyo lwerhafu ukuba uqikelele ingeniso yakho engenayo kunye nereyithi yakho yentlawulo, kwaye qinisekisa ukuba unelungelo elichanekileyo.
04 Ukungenzi Nocwangciso lweRhafu ngaphambi kokuba uhlawule
Isicwangciso serhafu awunakulungile xa unyaka usuphelile. Iminyaka engenayo engenayo ingenakuncedo kwaye kufuneka uyisebenzise ngokufanelekileyo. Ukulahlekelwa ngumsebenzi okanye ngaphandle kokufumana imali encinci akusayi kulungile-kodwa kungabonisa ithuba lokucwangcisa irhafu.
Ukuba unomnyaka onokuncitshiswa okuphezulu, njengenzuzo yokubanjiswa kwemithwalo yemali kunye neendleko ezinxulumene nempilo-kunye neengeniso ezincinci ngaloo nyaka-unokukwazi ukuzisebenzisa ngokunceda ngokuguqula ezinye ze-IRA yakho kwiRoth IRA kwaye uyihlawule -to-ayikho irhafu.
Oku kunokukugcina amawaka eedola-kodwa akunakwenzeka ngaphandle kokuba wenze ucwangciso lwakho lwerhafu ngaphambi kokuba unyaka uphele . Isicwangciso serhafu sinokukunceda iqanda lakho leendlala lihlala ixesha elide.
05 Ukungathathi Inzuzo ye-IRAs
Funda i- IRA imigaqo- kwaye ngamnye unyaka ukubona ukuba unelungelo lokwenza i-IRA, i-IRA engeyiyo-deductible okanye iRoth IRA.
Kufuneka ufumanise nokuba isicwangciso sakho somhlala-phantsi sekampani sinikeza amandla okwenza iminikelo yeRoth (ibizwa ngokuba yi-akhawunti yeRoth ekhethiweyo nge-401 (k) isicwangciso).
Igalelo leRoth lingena emva kwentela, ngoko ayanciphisi imali engenayo yonyaka okhoyo, kodwa xa usebenzisa imali evela kwiRoth emhlala phantsi, izabelo ziphuma ngaphandle kwentlawulo.
Ukongeza, iRRA IRA ihoxiswa ayifakiwe kwifom ecacisa ukuba ingeniso yakho yeNtlawulo yeNhlalakahle yeNtlalo iza kuhlawulwa.
06 Akunamandla ngokukhetha Indlela kunye nexesha lokuKhupha iNgeniso
Kutheni le yiphutha yerhafu? Ukusebenzisa imali yakho yomhlala phantsi ngendlela engafanelekanga kunokuthetha ukuhlawula amawaka ngaphezulu kwiirhafu zonyaka kunokuba uza kufuneka uhlawule ukuba ubuye walungisa izinto ngokusekelwe kwisicwangciso esakufumana inzuzo enkulu emva kwentela.
Oku kuyinyani ngokukodwa ukuba awunayo ipenshoni kwaye ininzi yengeniso yakho yomhlala-phantsi iya kuvela kwiNkxaso yoLuntu kunye ne-IRA. Umcwangcisi womhlalaphantsi onokuhlangenwe nakho unokunceda ngale ndlela yokucwangcisa-kwaye kunokubangela ukuba ufumane ingeniso yerhafu yomvuzo emva kwakho.