Indlela yokusebenzisa ii-72 (t) iintlawulo ze-IRA zangaphambili zokuhlawula

Sebenzisa uluhlu lweentlawulo zexesha elilinganayo ngokufikelela kwesohlwayo

Umthetho ohlawuleyo wokuhlawula i-Periodic Payment ikuvumela ukuba uthabathe imali ngaphandle kwe-IRA ngaphambi kwe-59 ½ kwaye ugweme ukuhlawulwa kwentlawulo yezahlwayo zangaphambili . Le ndlela ikwabizwa ngokuba ngu-72 (t) iintlawulo kuba ulawulo luwela phantsi kwecandelo le-IRS kwicandelo 72 (t).

Ukuze usebenzise iintlawulo ezingama-72 (t), ezibizwa nangokuthi iintlawulo ze-SEPP, kufuneka uhoxise imali ngokwemiselo ethile . I-IRS ikunika iindlela ezintathu ezahlukeneyo zokubala ishedyuli sakho sokurhoxisa.

Ngezantsi ngaphahla nganye kwezi ndlela zintathu, kwaye yintoni ofuna ukuyazi ngaphambi kokuba usebenzise nayiphi na.

Ngaphambi kokuba uqale 72 (t) iintlawulo ze-SEPP ezivela kwi-IRA

Xa uqala ukuthatha i-72 (t) iintlawulo ze-SEPP, kufuneka unamathele kwishedyuli yokuhlawula iminyaka emi-5 okanye ude ufikelela kwiminyaka yobudala engama-59 ½, nokuba yiyiphi into ezayo kamva (ngaphandle kokuba ukhubaze okanye ufe). Ukuba uyaphambukela kwishedyuli yakho phambi kokuba umlinganiselo ofanelekileyo wexesha sele udluliselwe irhafu yentlawulo inokumiselwa kuzo zonke iirhafu ezihoxisiwe ukuya kweso sizathu. Ngesi sizathu, ngaphambi kokuba uqale isicwangciso sokuhoxiswa kwe-72 (t)

• khangela ukuba ufanelekile nawuphi na olunye ulwahlulelo kwi-IRA yokuqala yokurhoxiswa kweentlawulo , njengokungabikho kwindleko zonyango, ukuthenga okokuqala ekhaya, njl njl.
• qi ni sekise ukuba awukho kwingxaki yezemali kwaye unabathengi. Ngelixa kunokwenzeka ukurhoxisa kwi-IRA ngomzamo wokulondoloza "izinto", usenokugqiba ekutshatsheni ngaphandle kwemali egcinwe kwiminyaka yakho kamva.

Indlela yokubala kunye nokukhetha okuKhetele kwi-72 (t) Ukurhoxiswa

Ukuba akukho zikhetho ezingentla zisebenza kuwe, khangela iinketho zakho malunga neentlobo zeentlawulo zexesha elilinganayo. Awudingi ukuba uphumelele kulezi zibalo, njengoko ungasebenzisa enye ye-intanethi 72 (t) i-calculators ibhalwe apha ngezantsi, kodwa kubalulekile ukuqonda ukuba izibalo zisebenza njani.

1. I-Distribution Minimum efunekayo (RMD): Qala ngokukhangela ixesha elifikelela kwitafile ezifanelekileyo ze-IRS, eziza kukuxelela ukuba yintoni umcebisi ukuba asebenzise ixesha lakho. Ukwahlula ibhalansi ye-akhawunti yakho yangaphambili-mali phambi komgcini-mali kunye nokuhambisa kwakho kunyaka. Le ndlela ifuna ukuba uhlaziye umlinganiselo wokurhoxiswa okufunekayo unyaka ngamnye ngokusekelwe kumyinge wokugqibela wonyaka ongaphambili kwaye ufikelele kwiminyaka yobudala. Le yodwa yeendlela ezintathu apho imali yokurhoxiswa iyahlukahluka ngonyaka.
2. Imali: Le ndlela yokurhoxisa idala ishedyuli yokurhoxiswa yonyaka ebalwe njengexesha lokuhlawula imali. Uthatha ibhalansi yebhanki echazwe ngokutsha (njengokuba ibhalansi kwikota yokugqibela yekota okanye yenyanga), uthathe inqanaba elichaphazelekayo lemali (i-IRS ithi awukwazi ukusebenzisa umlinganiselo ophezulu ngaphezu kwe-120% we-medium-term Usetyenziso lwe-Federal Rate (AFR). )), kwaye udala ishedyuli yokuhlawula yonyaka esekelwe kwitafile zokuhlala ngexesha elifanelekileyo (ubomi obungatshatanga, ubomi obudibeneyo kunye nomntu ongeyena umlingane, okanye ifom ephilayo efanayo xa umlingani wakho engaphezulu kweminyaka eyi-10 emncinci kunawe).
3. Ukuchithwa kwemali: Olu khetho lusetyenziswa ngendlela efana nempensheni okanye inkampani yomshuwalense isebenzisa ukucacisa inani lokuhlawula imali yokuphila. Uthabatha ibhalansi ye-akhawunti echazwe ngoku kutshanje kwaye ulwahlule nge-annuity factor epapashwe kwitafile zokufa kwiSihlomelo B soMlawuli weRev. 2002-62 .

Zomibini iinkqubo zeMamori kunye neNkcazo zeNkcazo eziphezulu zikhokelela kwimali yokuhlawula yonyaka kwaye ufanele unamathele kunye neshedyuli kude kube yiminyaka emi-5 okanye ude ufikelela kwiminyaka engama-59 ½ ngaphandle kokuba wenze ikhefu elilodwa kwindlela yokuhlawula i-RMD.

I-intanethi 72 (t) i-Calculator

Akukho sizathu sokuzama ukubala ezi zikhethiweyo. Sebenzisa enye yezibalo ezimbini ze-intanethi ezingezantsi ukubala zonke iishedyuli ezintathu.

• 72 (t) I-Calculator ngeCalcXML: Le calculator ikuvumela ukuba unike isantya sokukhula ngaphezu kwerhafu "yenqaku elifanelekileyo" elisetyenziselwa ukhetho lokubala. Izinga lokukhula lisetyenziselwa ukubonisa ukuba ibhalansi yakho ye-akhawunti iya kukhula (emva kokuhoxiswa ngokufanelekileyo) ukuba iphumelele ukuba izinga lokubuyisela. Le calculator inika negrafu kunye neshedyuli yenketho ngayinye kwaye inike amandla okuvelisa ingxelo yakho ye-PDF.

• 72 (t) I-Calculator ngeBhanki: Le calculator ilayishe imivalo evumela ukuba ulungelelanise iimpembelelo, kodwa into ebaluleke kakhulu yicatshulwa elingezantsi kwegrafu, enika ulwazi olunzulu olongezelelweyo.