Kwii-IRAs zendabuko, i-Rollover IRAs, i-SIMPLE IRAs, kunye ne-SEP-IRAs, isohlwayo sokuthoma sokuqala ukuhlaselwa kwi-dollar yokuqala yokuhoxiswa. I-Roth IRAs, ngakolunye uhlangothi, ixhaswa ngemali yerhafu emva kokuba uvumeleke ukuhoxisa yonke iminikelo yakho yenkqutyana eyadlulayo, kwaye kanye kuphela xa sele uqalile ukudonsa imali eyongezelelweyo kwimali eyinzuzo , izabelo , inzala kunye nolunye utyalo-mali Ingeniso ufumana ukuhlawulwa kwesohlwayo sokuthoma.
Izigwebo zokuPhumela kwangaphambili
Uneminyaka engakanani, unokubuza, ngaba kufuneka ube ngowakho ukurhoxisa ukuba ungayifaki isohlwayo sokuthoma? Elula. Ukuhoxiswa kwangaphambili ngenxa yezohlwayo ze-IRA kusekwe naliphi na ixesha ngaphambi kokuba umzuzi we-IRA uneminyaka engama-59.5 ubudala. Oku kungabonakala kungalungile. Emva kwakho konke, yimali yakho.
Isizathu sokuba imali yokuqala yokurhoxiswa ihlolwe kwiIRAs kunye nezinye iindidi zeakhawunti yomhlala-phantsi kukuba iCongress yayifuna ukuphazamisa abantu ukuba bancitshise ingxowa-mali yabo namhlanje ukuxazulula enye ingxaki yexesha elifutshane ukuba kuthetha kamva, xa bekhulile umsebenzi, babeya kuxhomekeka kwiindlela ezahlukeneyo zentlalontle.
Kwixesha elidala xa iimpesheni zaziqhelekileyo, oku kwakungenakwenzeka - umntu uya kuthi ulahlekelwe yintlawulo kwaye kufuneka aqalise ngaphaya xa ehlala egcina amalungelo akhe asempesheni. Emva kokuba siye kwindlela yokuthatha umhlala-phantsi, ulwahlulo lobutyebi phakathi kwabo bangakwazi ukuphatha imali kunye nalabo abangenako ukutshitshiswa njengezigqibo ezithile kunye negunya lokuhlanganiswa kubangele ukungafani kwemibono kwiziphumo.
Ngamanye amazwi, i-IRA imali yokuqala yokurhoxisa yayiyi-stick kwi-carrot isigqeba sethu somthetho kunye nesigqeba esiphezulu xa sidlulisela imithetho efanelekileyo eyenza loo akhawunti yomhlalaphantsi. Landela imigaqo kwaye uvale umvuzo omkhulu. Ziwahlukumeze kwaye zithwale imiphumo.
Nangona kunjalo, ukuba unomnqweno wokubamba iphothifoliyo yakho yokuthatha umhlalaphantsi phambi kwexesha - kwaye ungenzi iphutha, phantse njalo ingcamango engalunganga yokwenza ukukhishwa kwangaphambili kwiphothifoliyo yakho yokuthatha umhlalaphantsi - Nazi iindlela onokukwazi ukuzenza ukukhutshwa kwangaphambili intlawulo, uzisindise ukuba ngaphezulu kwe-10% apho bekufuneka ufumane enye into.
Ukuhlala Unokukhubazeka
Ukuba ukhubazeka ngokusisigxina, njengokugula okanye ingozi, kwaye yenza ukuba ungakwazi ukufumana umsebenzi ozuzayo kwaye uzixhase, unokuphepha ukuhlawulwa kwe-IRA yakho yokuqala ye-10%. Kufuneka ufumane ugqirha ukuba aqinisekise ukuba unempilo okanye ingqondo engakwazi ukusebenza kunye nokuba imeko iya kuhamba phambili 1) ubude bexesha elide, 2) ubude besikhathi esingapheliyo, okanye 3) ekugqibeleni kukukhokelela ekufeni kwakho .
Ukubulawa kwangaphambili
Nangona ndiqinisekile ukuba yintuthuzelo ebandayo, ukuba unelungelo lokudlula ngaphambi kokuba ufikelele kwiminyaka engama-59.5 ubudala, ifa lakho okanye abaxhamliweyo abayi kuhlulwa kunye nesigwebo se-IRA okanye i-IRA.
Imithetho ye-IRAs ezuze njengefa iyakubonakala iyinkimbinkimbi, kodwa kwiimeko ezininzi, abo bafumana ifa lemali yakho yomhlala-phantsi bangabahlanganisa kunye ne-IRAs yabo (kwimeko yomyeni wakho okanye umfazi njengolu ngenye yezibonelelo ezininzi zomtshato ), uzifake kwi-IRA eyayizizuze njengefa eyayivumeleka ukunyusa ukunyanzeliswa kweminyaka emihlanu ukususela ekupheleni konyaka owadlula kuwo uvumela ukuba bafumane ukuxhamla kwabo bentela, okanye bachithwe ngokukhawuleza, yintoni na iimeko eziqhelekileyo zerhafu yokufumana ingeniso.
Ukusebenzisa i-IRA Funds ukuhlawula iindleko zonyango ezingahlawulwanga
Ukuba wena okanye abantwana bakho bagula kakhulu okanye balimala kwaye batshayelwa unyango olude okanye olubi kakhulu, uMalume uSam uya kulahla imali yokuqala yokurhoxisa kwi-IRA yakho imeko yokuba iindleko zingaphezulu kwe-7.5% yempembelelo yakho epheleleyo.
Abathengi basekhaya bokuQala bangaKhusela i-Early IRA yokuqala Imali yokuBala
Ukuba ukhangele ekuthengeni ikhaya lakho lokuqala, isohlwayo sokususa i-10% sokuqala isuswe kwi-$ 10,000 yezikhetho eziya kuthotyelwa kuyo. Ngokuqinisekileyo, phantse kulunge ukuba uxhomekeke kwiintlawulo zerhafu eziqhelekileyo ze-IRA kwaye, endaweni yoko, yakha imali yakho yokuhlawula imali kwi-investment investments efanelekileyo ngaphandle kwaye uhluke kwimpahla yakho yomhlalaphantsi - kwaye "bhetele" yinto engaphantsi kwayo - kodwa akusiyo wonke umntu onomonde.
Ukufihla iindleko zeMfundo ePhakamileyo
Ukuya kwiikholejini okanye kwiyunivesithi kunokubiza. Ngombulelo, kukho imigaqo emiselweyo eyenzelwe ukunceda iintsapho eziphumeleleyo zihlawule imfundo yazo. Ngokomzekelo, ezinye iindleko zemfundo ezifanelekileyo zikhululekile kwisibonelelo sesipho , okuvumela ukuba umnini-mali onobuchule kunye nabazali kunye nabazali nootata banamakhulu ukuba batyale imali kwiinkunzi zabantu, i-capital capital, kunye ne-network capital yeendlalifa zabo ngaphandle kokunyanga njengesipho semali esinga irhafu yesipho okanye ukunciphisa umlinganiselo wokuxolelwa kweerhafu wendawo yokuhlala.
Ngokukodwa, isohlwayo sokuthoma kwe-10% esingazange isetyenziswe kwizabelo ze-IRA, nje kuphela ukuba inani elipheleleyo lihoxisiwe alidluli iindleko ezifanelekileyo ezibangelwa ngumhlawuli-ntlawulo, umyeni wakhe okanye umfazi, abantwana babo, nabazukulu babo kunye nemali isetyenziswe kwiziko lemfundo elifanelekileyo, elibandakanya labo bachazwe kwicandelo 481 loMthetho weMfundo ePhakamileyo ka-1965 njengeekholeji, iiyunivesithi, izikolo zezifundo, kunye nezinye iiprogram zoqeqesho.
Akuzona zonke iindleko ezifanelekileyo ezi zonyango olufanelekileyo - ikholeji okanye iyunivesiti kuphela idinga ukuba umfundi akhokhele iifizi zakhe, iifizi, iimpahla, izixhobo kunye neencwadi zezifundo. Igumbi kunye nebhodi ayifakwe phantsi kweenkcazo zeendleko ngaphandle kokuba umfundi ubhalise ixesha elizeleyo, ekwenzeni umonakalo omkhulu kulabo basebenza ngendlela yabo esikolweni.
Esi sikhokelo sokususwa kwexesha lokuqala asisilo nje njengoko sibonakala ngenxa yokuba kukho ukubalwa okubandakanya eminye imithombo yemali yemfundo ekufuneka yenziwe ukuze kuqinisekiswe ubungakanani bokuba umxhamli we-IRA unokuzifumana njani. Le nto ngokuqinisekileyo yindawo ekudibanisene nomgcini-mali ofanelekileyo, ingcali yerhafu, okanye umcebisi wezemali. Unokufuna ukufunda iSaziso sika-97-60 kwi-Internal Revenue Service ukuze ufumane i-rundown of the rules.
Ukuhlawula iRhafu-mboleko ehlawulwe kwi-IRS Emva kokuba i-Levy iye yafakwa kwi-IRA
Ukuba unetyala le-rhu lumente kwaye baphumelele ekufumaneni i-levy ebekwe kwi-IRA yakho, ekugqibeleni ihlaselele ukuhlawula irhafu, uhlawulelwa ngokunyanzeliswa kuya kuthotyelwa irhafu yengeniso eqhelekileyo kunokuba bekungenjalo, kodwa I-penalty yokuhoxiswa kwangaphambili kwe-10% engekho kwangaphambili ayihlolwe.
Ukuhlawula iiNyanga zeeNtshurensi zezoNyango
Ukuba ufumanisa ngaphandle komsebenzi okanye, ngenxa yesizathu esithile, kwindawo apho kufuneka uhlawule khona iipresimesi zakho zonyango, ungayibamba imali yakho yomhlalaphantsi ukuze uhlawule iindleko kwaye ungakhathazeki malunga nesigwebo se-retrait ixesha elide njengoko usenakho ukungabikho kwemisebenzi ixesha elide kuneveki ezilishumi elinesibini.
Ukurhoxiswa Kwenziwe okanye emva koMhla i-IRA Beneficiary ijika i-59.5 yobudala
Ekugqibeleni, sifika kwisithuba sokugqibela sokuxolelwa kwezabelo ze-IRA kunye neyona nto kufuneka ufune ukuyifumana: Ukuphila kwiminyaka eyi-59.5 ubudala, apho uqala ukuyibeka phantsi iakhawunti yakho. Le ngongoma apho uwele khona umgca wokugqibela kwaye uthathwa ngokungqalileyo ngokwaneleyo kwithuba lokuthatha umhlalaphantsi ukuba akudingeki ukhathazeke ngako.
Ngaphambi kokuba Uqale ukuKhutshwa kwi-IRA yakho
Ukuba ucinga ukukhishwa kwangaphambili kwi-IRA yakho, qinisekisa ukuba udibana nomgcini-mali oqeqeshiwe, umqeqeshi wezobugcisa, obhalisiweyo okanye abanye abaqeqeshiweyo kuba imithetho ingaba nzima.
Ngokomzekelo, umxhamli we-IRA uxhomekeke kwiminyaka emihlanu yokulinda, ekulinganiselwe kwerhafu, kungekhona ikhalenda, iminyaka apho ukuhoxiswa akukwazi ukukhululelwa kwisigwebo sokuthoma sokuqala sokukrazula, nokuba kwakungenjalo.
Kukho imigaqo eyahlukileyo kubasebenzi abasanda kubhaliswa kwi-SIMPLE IRA kwishishini elincinci elikuhlawulisa, nangona uneminyaka engama-59.5 ubudala xa ukhetha ukurhoxiswa kwinani elithile leminyaka emva kokubhalisa kwisicwangciso.
Kukho ukurhoxiswa kweRoth IRA enokuthi ikhutshwe kwisigwebo sokususa ikhefu kwangaphambili kodwa inokubangela ukuba ube phantsi kwentela yengeniso nangona ungaqhelekanga. Le ngenye yeemeko apho iinkcukacha zichaphazeleka kwaye kufuneka uzazi zonke.