Imida yobudala be-IRA ifaka kwii-IRAs zemveli, kodwa kungekhona kwiRoth IRAs.
Umda wobudala obuninzi kwiintlawulo ze-IRA
- I-Roth IRA: Akukho mda osemgangathweni wokwenza igalelo kwiRoth IRA. Kufuneka ufumane imali engenayo. Ngoko, ukuba akukho okanye wakho umlingani osebenzayo ngoko awukwazi ukufaka isandla kwiRoth kungakhathaliseki ubudala.
- IRA yeNdabuko: Kwi-IRA yeNdabuko, xa ufikelela unyaka apho uneminyaka yobudala engama-70 ½ awusayikufanelekela ukwenza igalelo leMveli ye-IRA.
Akukho Umda we-IRA Umda kwi-IRA Rollovers okanye iTransfer
Musa ukudibanisa umrhumo we- IRA kunye ne- IRA rollover okanye i-transfe r. Abanye abathathe umhlalaphantsi bacinga ukuba abakwazi ukuvula i-akhawunti ye-IRA baze baqalise ukusabalaliswa kwemali yepenshoni okanye 401 (k) icebo kwi-IRA kuba badlula umda wexesha le-IRA. Oku kulungile!
Igalelo le- IRA ayilona into efana ne-IRA rollover okanye i-IRA. Xa ususa imali kwinkqubo yomhlala-phantsi oxhasiweyo, njenge-401 (k) okanye 403 (b), ngqo kwi-IRA, ebizwa ngokuba yi-rollover. Unokwenza oku nawuphi na ubudala. Xa udlulisela imali kwi-IRA enye ukuya kwenye i-IRA ibizwa ngokuba yi-IRA yokutshintshela kwaye unokwenza oku nawuphi na ubudala.
Igalelo lemali emitsha, engekho ngaphambili kwi-akhawunti ekhishwe irhafu, kwaye ngoku uyifake kwi-IRA.
Umda osemgangathweni we-IRAs weNdabuko usebenza kuphela kwiminikelo ; kungekhona ukulungiswa okanye ukudluliselwa.
Ngokutsho kwe-IRS Plans Page, "Awukwazi ukwenza igalelo eliqhelekileyo kwi-IRA yendabuko kunyaka ufikelela kuma-70½ nangaphezulu. Nangona kunjalo, unokwenza igalelo kwiRoth IRA, kwaye wenze i-rollover iminikelo kwiRoth okanye i-IRA yendabuko kungakhathaliseki ukuba uneminyaka yakho. "
Musa ukudibanisa i-Roth ukuguqulwa ngeminikelo . Akukho mda osemgangathweni weminyaka ngokukwazi kwakho ukuguqula impahla ye-Traditional IRA kwi-ROTH IRA . Unokwenza oku nawuphi na ubudala.
IiNtsapho ze-IRA
Abantu abaninzi abaqapheli ukuba banokwenza igalelo lomtshato kwi-IRA egameni lomlingane ongeyena osebenzayo ngaphandle nje kokuba omnye unayo imali engenayo eyaneleyo.
Ngokomzekelo, masicinge ukuba ufikelele kwimida yobudala be-IRA engama-70 ½ kwaye ayikwazi ukufaka isandla, kodwa iqabane lakho lincinane kunawe. Kufuneka unokwazi ukwenza into ebizwa ngokuba yi-Spousal IRA inxaxheba kwi-IRA yabo yeNdabuko, enokukuvumela ukuba usebenzise ukuncitshiswa kwentlawulo yegalelo le-IRA. Iminikelo ye-IRA yamaRoth IRAs nayo ivumelekile.
Umyinge wexesha eliphantsi kwiIRA Iminikelo
Akukho myingeni weminyaka emncinci yokwenza nayiphi na indima yegalelo le-IRA. Nangona kunjalo ukuba ube nelungelo lokwenza igalelo le-IRA kufuneka ukuba ufumene imali ngenani elilinganayo okanye elingaphezulu kwexabiso legalelo lakho le-IRA. Ingeniso efumanekayo ingeniso efunyenwe yintlawulo-ntlawulo evela kumvuzo owawusebenzele.
Kubantwana, njengomgaqo jikelele, imali engenayo evela kwimisebenzi yasemakhaya ayibala, nangona kukho iindlela abantwana abanokufumana imali eyaneleyo yokuba abazali banokuyixhasa iRoth.
Ezinye i-IRA Imigaqo-Age
Kukho i-IRA enxulumene neminyaka emibini eyongezelelweyo ilawula ukuba bonke abanikazi beakhawunti ye-IRA bafanele bazi.
1. Ubungama-59 ½: eli lixesha apho ungakwazi ukufikelela kwimali yakho ye-IRA kwaye uthabathe imali kunye ne-IRA yokurhoxiswa kwerhafu yokuqala. Nangona kunjalo, irhafu yentlawulo evamile iya kusetyenziswa. Olu lawulo lobudala eli-59 1/2 lusebenza ngokukodwa kwii-IRAs zesiGaba. I-Roth IRAs isebenza ngokungafaniyo. NgeRoth, unako ukurhoxisa umrhumo wakho nayiphi na ixesha ngaphandle kwemingcele yobudala - kodwa ukuba utyalo-mali okanye iimali eziguqulwayo zihoxiswa ngoko umda weeminyaka okanye imida isetyenziswe ukucacisa ukuba yeyiphi inxalenye eya kuhlawulwa irhafu.
2. Umdala 70/12: eli lixesha ekufuneka uqale ukuthabatha kwii-IRAs zeNdabuko kunye nemali yokuthatha umhlalaphantsi efanelekileyo (njengama-401 (k), 403 (b), ii-SEP, njl.
Ezi zokurhoxiswa zibizwa ngokuba ziyimfuno ezincinci . Imithetho efunekayo yokusabalalisa ayifuni kwi-Roth IRAs ngelixa usaphila, ke kunjalo, ziyasebenza kwiAkhawunti zeRoth ezicetywayo zinikezelwe kwisicwangciso se-401k, kwaye zisebenza kwiakhawunti zeRoth IRA ezizuze ilifa.