Indlela i-IRA yokuqala yokuLawulwa kweNkundla eSebenza ngayo

Kwaye kutheni kufanele ubalekele ukuthatha imali yokuthatha umhlalaphantsi kwangaphambili

Uhlawula i-IRA ngokukhawuleza ukuhoxiswa isigwebo xa uthabatha imali ngaphandle kwe-IRA yakho ngaphambi kokuba ufikelele kwiminyaka yobudala engama-59 ½. Iindaba ezilungileyo kukuba ukudlulisela i-IRA ukusuka kwenye i-akhawunti ukuya kwelinye akuthathwa njengokwabiwa-ntengiso, ngoko ukhululekile ukutshintsha amaziko asemali kunini na ngaphandle kokukhathazeka ngerhafu yerhafu.

Ukuba ucinga ukuba ufuna imali, kwaye i-IRA yakho yindawo kuphela ongayifumana yona, qiniseka ukuba uyazi ukuba ityala lentlawulo lisebenza ngaphambi kokuba unqume ukuthenga imali kwinxalenye ye-IRA yakho.

IRA iqala njani ukurhoxisa umsebenzi wezohlwayo? Nasi umzekelo.

Masithi uneminyaka engama-54 kwaye uthatha i-R10 000 kwi-IRA yakho yemveli.

• I-R10 000 ibonisa njengengeniso kwikhasi lokuqala lokubuyela kwerhafu (kumgca we-15a no-15b kwifom ye-1040 rhoqo).
• Le ngeniso ifakwe kunye neminye imithombo yemali engenayo ukufumana inani lemali yerhafu efunekayo ngonyaka.
• Imali yerhafu ehlawulwa kwi-R10 000 iya kuxhomekeka kwinqanaba lakho lentlawulo yengeniso, echazwe yiphumo lakho lemali kunye neentlawulo.
• Ukongezelela kwerhafu kwi-R10 000 yokuqala yokurhoxiswa, irhafu yentlawulo ye-10% ihlolwe ngokurhoxiswa.
• Kule meko, loo nto yayiza kubakho imali eyongezelelweyo yerhafu ehlawulwayo ngaphezu kweetyala zakho eziqhelekileyo zerhafu.

Ukuba ubuncinane ubuninzi beeRandi ezi-1 000 kwiirhafu ezingagcinwanga ngexesha lonyaka kunokuba oko kuya kufuneke ukufihla umrhumo wakho werhafu ngokuqhelekileyo, ngoko, nangona i-IRA ihoxisa kwangaphambili, akukho ntlawulo ehlawulwayo.

Kuthetha ukuba awuzange uthathe i-IRA ukuhoxiswa kwangaphambili, ubuya kufumana ubuncinane imali eyi-$ 1,000. Ngenxa yerhafu yentlawulo, awufumani ukubuyiselwa kwembuyekezo.

Ukuba awuzange uhlawule ngokwaneleyo ngethuba lonyaka, uza kuhlawulwa ngexesha lokurhafisa, kwaye usenokubanjelwa nesohlwayo esongezelelweyo kwi-IRS yokuhlawulwa kweerhafu.

Ukuze ugweme oku, xa uthatha ukusasazwa kwe-IRA kukulungele ukuhlawula irhafu kwi-distribution. Ngoko ukuba uthabatha u-$ 10,000 ukusabalalisa kwangethuba, kwaye ube ne-30% yentlawulo ekhishiwe, uza kufumana i-check 7 $, kwaye i-$ 3,000 iza kuthunyelwa ngqo kwi-IRS yentlawulo.

Ukuphepha ukuTyala kweNkundla

Ukuba usebenzisa i-ISRA yokusasaza ukuhlawula amatyala, cinga kwakhona. Iingxelo ze-Retirement zingabonelela ngeendlela ezithile zokukhusela umboleki. Funda kabanzi kuPhambi kokuba uhlawule imali engama-401 (k ). Ininzi yemithetho yokukhusela imboleko esetyenziswa kwi-401 (k) iyasebenza nakwiIRAs.

Kunzima ukulondoloza okwaneleyo ukuzalisa i-akhawunti emva kokukhishwa kwangaphambili. Umele ucinge ngemali yakho ye-IRA njengeqanda lakho lesidleke. Yenza konke okusemandleni akho ukuphepha ukukhishwa kwangaphambili. Ukuba kufuneka uthabathe imali kwi-IRA yakho, khangela ukuba unako ukufumana ithuba lokuhlawulwa irhafu .

Ireyithi yentlawulo yesihlomelo ngasentla ifumaneka kwiiholide zokususwa kwangaphambili ezithathwe kwi-401 (k) akhawunti.

Xa usufikelela kwiminyaka yobudala engama-59 / 1/2 (okanye uneminyaka engama-55 kwezinye iimeko kwi-401 (k) isicwangciso ), irhafu yentlawulo ayiyi kuphinda isetyenziswe kwiiholide. Ngelo xesha, nayiphi na ukurhoxiswa kuba ngumvuzo oqhelekileyo ohlawulwayo. Ndiya kugubungela loo mithetho kwiThafu kwi-IRA evunyelweyo .

Iindleko Iindleko

Isohlwayo neerhafu zingabonakali zihamba phambili, kodwa khumbula ukuba i-$ 11,000 efanayo namhlanje iya kuxabisa iminyaka engama-26,000 iminyaka elishumi elinesihlanu phantsi kwendlela ukuba utyalo-mali lwakho luzuze u-6% ngonyaka.

Zibuze, ngaba oku kukhethwa kwam?