Iindlela ezahlukileyo zeRoth IRA zokuKhutshwa koMsebenzi

Kutheni abanye abantu beRoth IRA Ukurhoxiswa bangaxhomekeke kwiThafu

Ngaphandle kwezicwangciso zomhlala-phantsi ezixhaswe ngumqashi, ii-akhawunti zomhlala phantsi (iRAs) mhlawumbi esinye sezixhobo zokugcina umhlala-phantsi ezikhoyo. IRAs inikezela ukukhula kweerhafu kwiimpahla ezityalomali phakathi kwezinye iindleko kuxhomekeke kuhlobo lwe-IRA. Ii-IRA zengxowa zedala ezihlaziyiweyo zinikela ngokuncitshiswa kweerhafu kwiminikelo kwakunye nokukhula okuhlawulwa kwentela evumela ukuba ezi akhawunti zizisebenzise ngokugcwele inzala.

Ukurhoxiswa kwii-IRAs zendabuko zihlawuliswa njengeniso eliqhelekileyo kunye neerhafu zerhafu zisekelwe kwibhakethi yakho yerhafu yonyaka owenza ngayo ukurhoxiswa.

I-Roth IRAs, ngakolunye uhlangothi, awaniki iirhafu kwiimali njengeminikelo kwi-akhawunti kufuneka ibe emva kwentela. Kodwa ngokutshintshiselana, abanikazi be-akhawunti ye-Roth IRA abahlawulwanga kuphela ukukhula okuhlawulwa kwentela kwiimpahla zabo, kodwa kunye nokuhanjiswa kweerhafu kunye nokuhoxiswa. Nantsi indlela uRoth IRA ayeka ngayo umsebenzi.

Ukusabalala okungafanelekileyo kweRhafu IRAR IRA

Ukubonelela ukuba ufikelele ubuncinane kwiminyaka engama-59½ kwaye ube ne-akhawunti yakho ye-Roth IRA evulekileyo ubuncinane ubuncinane kwiminyaka emihlanu, konke ukurhoxiswa kweRoth IRA yakho yerhafu . Enyanisweni, kuya kuqwalaselwa njengomsebenzi ofanelekileyo. Nangona oku kudibanisa imigaqo-nkqubo mhlawumbi ixhaphakileyo ngokuthatha i-Roth IRA, kukho ezinye iimeko apho ukurhoxiswa kuthathwa njengezifanelekile, ngoko ke, akunakuhlawulwa irhafu xa uneminyaka engama-59½ ubudala kwaye udibana imfuno emihlanu yeminyaka:

• Ukuba ukhubazekile
• Ukuba ukuhoxiswa kuhlawulwa kumxhamli wakho okanye kwifa emva kokufa kwakho
• Ukuba ukurhoxiswa kuhlangabezana neemfuno ze-IRS "zokuqala ekhaya" (ukufikelela kwi-$ 10,000 yexesha elide lokuphila)
• Ukuba ukurhoxiswa kusetyenziswa ukuhlawula iindleko zonyango ezingahlawulwanga okanye i-inshurensi yezempilo ngelixa ungasebenzi.
• Ukuba ukuhanjiswa kwenziwa kwintlawulo yexesha elilinganayo (khangela IRS Rule 72 (t)).

Ingeniso engenalo irhafu kwi-retrait iphakathi kweenzuzo ezinkulu kwiRoth IRA, kodwa ngokungafani ne-IRAs yendabuko, akudingeki ukuba ulinde ukuba umhlalaphantsi uhoxise ifa lakho kunye neentlawulo.

Ukubuyiswa kweRhafu yeRhafu yeRRA IRA

Ekubeni akukho negalelo leRoth IRA elakhe lahlawulwa irhafu njenge-IRA yendabuko, ininzi yeRRA IRA iya kuhlawulwa. Akukho ntlawulo efunekayo kuyo nayiphi na imali yokurhoxiswa kweRoth IRA xa inani elipheleleyo olihoxayo lingaphantsi kwexabiso oye wanikela ngoncedo kungakhathaliseki ubudala bakho. Ngokomzekelo, ukuba ngaphezulu kweminyaka emininzi iminikelo yakho yonyaka iyonke i-$ 20,000 kwaye emva koko uhoxise i-$ 5,000, akukho nto yokuhoxiswa kwakho iya kuhlawulwa njengoko kuthathwa njengebuyiselo legalelo lakho loqobo. Kwintlawulo yeerhafu, ukuhoxiswa kweminikelo yangaphambili kuthathwa njengebuyiselo sesiseko.

Oku kuthethi, kukho iimeko ezimbalwa apho unokuvavanywa kwerhafu yokusabalalisa kwangethuba njengesigwebo kwi-Roth IRA yokurhoxiswa.

Ukuhlawulwa kweRoth IRA

Ukusebenzisa umzekelo ofanayo kwimeko echazwe ngasentla, ukuba ufanele uhoxise ngaphezu kweedola ezingama-20 000 oye wafaka isandla kwiRoth IRA yakho, oku kuthetha ukuba ubuye uhoxise imali yokufumana imali ngaphambi kokufikelela kwiminyaka yobudala engama-59½, inxalenye yokurhoxiswa kwakho iya kuba phantsi kwentela kunye I-10% yentlawulo yokusabalalisa kwangaphambili.

Oku kuya kuthiwa nayiphi na iRoth IRA yokurhoxiswa ngaphezu kwesiqalo sakho (iminikelo) kwiminyaka emihlanu yokuqala yokunikela kwi-akhawunti. Lo mgaqo ubizwa ngokuba yi-colloquially njengeminyaka emihlanu yolawulo. I- Roth yokulawula iminyaka emihlanu ayifani ngokucacileyo njengoko ungacinga, ekubeni ukwanelisa umgaqo-minyaka emihlanu unako ukuthatha iminyaka engaphantsi kweminyaka emihlanu, ngokwemiqathango ye-IRS. Ukwenza izinto zibe nzima nakakhulu, iifayile zokuguqulwa kweRoth IRA zilandele ixesha lawo elihlukeneyo lolawulo lweminyaka emihlanu.

Ukuba iimali zeRoth IRA zongezwa ngokuguqulwa kweRoth IRA , le mali ngokukodwa kufuneka ihlangabezane neminyaka emihlanu yolawulo ngokwabo. Ngaloo ndlela, ukuba uguqula i-Roth IRA uze uthathe ezinye zeemali eziguqulelwe kunyaka ozayo, ukuhoxiswa kwakho kuya kuhlawulwa.

I-10% yoLwaphulo lokuSasazwa kokuQala

Ukongeza kwerhafu yengeniso, isahlulelo se-10% sokusasazwa kwangethuba siyahlolwa kwizabelo ezenziwe ukuba umnini-akhawunti angakaphumi iminyaka yobudala 59½.

Nangona kunjalo, isohlwayo sokusabalalisa kwangaphambili i-10% iya kuhlolwa kuphela kwiirhafu ezihlawulwayo. Ngaloo ndlela, nayiphina irhoxiso ebuyisela kwisiseko ayikho phantsi kwesohlwayo sokusabalalisa kwangaphambili, nangona umhlawuli-ntlawulo ungaphantsi kwe-59½.

Ukuba unemibuzo malunga nokurhoxiswa kwe-IRA yendabuko, qiniseka ukuba ukhangele eli nqaku malunga nokurhoxiswa kwe-IRA rhoqo .