Funda indlela yokuLawula kwi-401k okanye i-IRA Ngaphambi, Ngexesha nangemva kokuthatha umhlalaphantsi.
Uyazi konke malunga nendlela yokubeka imali kwi-401 (k) okanye i-IRA, kodwa uphuma njani? Kungakhathaliseki ukuba uthatha ukuxhoma kwexesha elidlulileyo, ukwabiwa okuqhelekileyo, okanye ukwabiwa okuncinci, kufuneka ufumane imithetho yokuthatha i-IRA kunye no- 401 (k) ukuhoxiswa .
01 401 (k) Imigaqo yokuKhutshwa
02 I-RRA yesiGaba sokuKhutshwa kweMveli
Ukurhoxiswa kwangaphambili kwii-IRA nazo zixhomekeke kwiirhafu zerhafu eziqhelekileyo, kwaye loo ntlawulo ehlawulisayo ye-10%. IRAs zininzi eziphambukileyo ezifanayo kwizahlwayo ngo-401 (k) s: ukufa, ukukhubazeka, umtshato kunye ne-QDRO, kodwa kukho ezinye ezimbalwa. Unako ukurhoxisa imali kwangaphambili ngaphandle kwesigwebo se-10% xa usebenzisa imali ukuhlawula iindleko zemfundo ezifanelekileyo (ewe, njengekolishi-kodwa ungayenzi), uyisebenzisela iindleko zonyango ngaphezu kwe-10% yengeniso yakho yonke, okanye usebenzise i-$ 10,000 yemali yokuthenga ekhaya lokuqala. Kodwa kwakhona, nayiphi na imali oya kuyenza iya kuhlawulwa njengemali engenayo kwaye awuyi kuzuza kwi-intanethi yokukhula kotyalo-mali osebenza ngokubhekiselele xa kuhlanganiswe ixesha elide.
03 I- Roth IRA Imigaqo yokuKhutshwa
Ukuhoxiswa kweRoth IRA kuhluke ngokupheleleyo. Utyalo-mali lwakho alukhulanga ukuhlawulwa kwentlawulo kwiRoth, kwaye xa uthabathe ukusabalalisa baya kuba yintlawulo yerhafu enikezelwa ukuba ubuncinane ubuneminyaka engama-59 / 1/2 kwaye ubambe iRoth IRA ubuncinane iminyaka emi-5. Kukho isohlwayo se-10% kwintlawulo yokuqala. Kodwa oko kungokufumana imali yokufumana imali. Kubalulekile ukugcina engqondweni ukuba unako ukurhoxisa irhafu yakho yokuqala yerhafu kunye nesigwebo samahhala ngaphambi kweminyaka yobudala engama-59 / 1/2. Ukurhoxiswa kwe-RRA IRA kuthathwa njengothatyathwe kwiminikelo yokuqala. Oku kwenza iRoth ibe yithuluzi lokugcina imali eguquguqukayo. Unokusebenzisa i-Roth IRAs ukuxhasa ukonga imali kwezinye iinjongo ezifana nenkxaso yekholeji okanye ukugcinwa ngongxamiseko.
04 Ukuboleka Ku-401 (k)
Ukuba umqeshi wakho uyayivumela, imali engama-401 (k) mboleko yindlela engcono kunokwabiwa kwangaphambili. Akukho khangela lokuthenga ngetyala, imirhumo ngokuqhelekileyo iphantsi xa ikhona. Kwaye kufuneka uzihlawulele ngenzala, kodwa unomdla ophantsi. Ukuba usebenzisa imali ukuthenga indlu, unokufumana ixesha elide lokuhlawula. Kodwa kwicala loqhelo, uhlawula emva kwerhafu, ngoko ulahlekelwa enye yeenzuzo zerhafu eziphambili ze-401 (k). Ulahlekelwa yinto enokubaluleka kweenyanga okanye iminyaka etyalomali kwiimarike. Enye yezona zimbonakalo ezinkulu ze-401 (k) mboleko kukuba unokuba uhlawule umboleko emva kweentsuku ezingama-60 ukuba ushiya umsebenzi wakho okanye unqanyulwa. Ngaphandle koko ibhalansi yakho yemboleko iya kuthathwa njengemali engenayo kwaye ungabuye uqhutywe ne-penalty ye-retraction yokuqala ye-10%. Ukuba unako ukuphepha ukuchukumisa umhlala wakho wokugcina umhlalaphantsi kuzo zonke, mhlawumbi kufuneka.
Ukusabalala okuqhelekileyo okuvela kwiiNkqubo zoMhlalaphantsi
Ukusasazeka okuqhelekileyo yilezo ezenziwe emva kweminyaka yobudala 59 1/2. Akukho sikhokelo sokurhoxisa imali yakho kweli nqanaba. Kodwa ukuba utyalomali kwi-tax pre-tax 401 (k) okanye i-IRA rhoqo, uya kuhlawula irhafu yengeniso epheleleyo kwimida. Ingcamango kukuba ngolu hlobo, uya kuba ngumhlalaphantsi kwaye ungasayi kuqokelela umvuzo, ngoko ke kwibakethi yentela ephantsi .
06 Izabelo ezincinane ezifunekayo
Xa ufikelela kwiminyaka yobudala engama-70 / 1/2, izinto ziba nzima. Ukuba uhlala umhlala phantsi kodwa ungazange uqalise ukusabalalisa, emva kwe-70 1/2 i-IRS iya kuqalisa ukucima i-50% yemali ebekufuneka ihanjiswe. Oku kubizwa ngokuba yi-distribution minimum efunekayo, kwaye ukuba unayo i- IRA yendabuko , akukho nto yokuyiphepha. (I-401k yakho ingakwazi ukuhlala ihambelaniswe nje ngokuba usasebenza, kunye nabakwa-Roth IRA abangekho mfuneko yokuthatha isabelo esincinci.) I-IRS isebenzisa iithebhile zokulindela ubomi ekuncedeni ukuba ungakanani ukuba ufuna ukukhupha unyaka ngamnye. Khangela eli nqaku ukuze ufunde kabanzi malunga nokusabalala okufunekayo okanye imigaqo ye-RMD.