Iingxelo zomntu ngamnye zomhlala phantsi zihlelwe ukwenzela ukuba nayiphi na impembelelo yerhafu iphindwe kuze kube yilapho imali ihoxiswa kwi-IRA kwinto ebizwa ngokuba yonikezelo.
Xa kusasazwa, yilapho nawuphi na unyango lwerhafu lunokumiselwa.
Isicwangciso esithandwayo sokuba i-IRA ilahlekelwe: Cwangcisa nayiphi na isabelo kwi-Age Age 59.5
Ngokuqhelekileyo, kukuphucula ukwenza i-asethi yakho yokwabiwa kwakhona ngaphakathi kwezicwangciso kunokuba uthathe ukusasazwa kwaye ube nemali ngaphandle kwezicwangciso. Kungenxa yokuba i- IRAs yendabuko (i-deductible) , yonke imali yokurhoxiswa iya kufakwa kwingeniso yakho yerhafu, kwaye oku kunokukunyusela kuma-bracket angaphezulu. Kwakhona, kukho isohlwayo se-10% kwintlawulo yokuqala xa uneminyaka engaphantsi kwe-59.5.
IRA Ilahleko ingachithwa Ukuba zonke ii-IRA zohlobo olufanayo zixutywe ngaphandle
Ungathatha ilahleko kwiiplani ze-IRA, kodwa kuphela xa uphuma kuzo zonke ii-IRA zohlobo olufanayo. Oko kuthetha ukuba: ukukhipha yonke i-IRAs yakho yendabuko okanye ukukhipha yonke i-Roth IRAs yakho.
Kwimveli ye-IRA, le nkonzo yokulahleka isebenza kuphela xa unesiseko esivela kwiminikelo engenayo.
Isiseko sithetha ukuba kukho ixabiso elingenakuthi linikwe inxaxheba kwi-IRA yendabuko. Ukuba akukho sikhokelo, akuyi kubakho ilahleko onokuyichitha kwi-tax return yakho. Nangona kunjalo, awukwazi ukukhupha i-IRAs yakho kuphela. Zonke iimali ze-IRA zemveli mazihlawulwe ukuze zifumane ukulahlekelwa kwelahleko.
Ngolwazi olongezelelweyo, jonga iPublication 590, isahluko 1 kwaye ubethe phantsi kwicandelo elithi "Ukuqaphela ukulahlekelwa kwiingxowa-mali ze-IRA."
Ilahleko elisebenzayo lisebenza ngcono nge-Roth IRAs ukususela kukho isiseko seminikelo yakho yangempela. Nayiphi na ilahleko iya kuba yintlawulo echanekileyo ngokuxhomekeke kwi-2% yemingcele ye-AGI. Ukuba ixabiso le-Roth IRA liye lahla ngaphantsi kweegalelo zakho zonke, ke ixabiso elipheleleyo le-akhawunti linokukhutshwa kwaye ungathabatha inqununu yokulahlekelwa, kwaye ukuhanjiswa akuyi kuba phantsi kwesohlwayo sokusabalalisa kwangaphambili. Oku kunikwa kwiCandelo leMimiselo ye-Nondyebo 1.408A-6, ngokukodwa i-Q & A manani 4 no-5.
Ukuba i-Roth IRA ilahlekelwe yintengo, kodwa ixabiso layo alikho ngaphantsi kwexabiso elipheleleyo leminikelo, ngoko ayiyi kuba yilahleko iinjongo zokubikwa kweerhafu. Kule meko, kuya kuba ngcono ukugcina i-tax-deferral kwimali oyenayo kakade. Ukuze uthole iinkcukacha ezingakumbi funda i-Publication 590, isahluko sesi-2, kwaye ubethe phantsi kwicandelo elithi "Ukubona Ukulahleka Kwezimali."
Ukuchithwa okungafaniyo kokulahlekelwa kwe-IRA
Ilahleko ze-IRA zichithwe ngokungafaniyo phantsi kwe-2% ye-AGI yokunciphisa. Ezi lahleko zichazwe kwiShedyuli A.
Ukuze ufumane inzuzo yokuncitshiswa, ilahleko lakho liza kudlula ngaphezu kwe-2% yempembelelo yakho epheleleyo, kwaye kuya kufuneka ukwazi ukuyenza. Ukuncitshiswa okuhlukeneyo kunokutshintshiswa ngerhafu encinane yerhafu , enokuthi iqhube ihlawule irhafu yentlawulo yokubasa ilahleko.
Iingqwalaselo zokugqibela ze-IRA ezilahlekileyo
Xa iimpahla zisuswa kwiakhawunti yomhlala-phantsi, zisuswa zisigxina. Uyakwazi kuphela ukufaka imali entsha. Abatyalomali be-IRA baya kufuna ukujonga iinjongo zabo zokwabiwa kwexesha elide, kunye naluphina iziphumo zokufumana imali. Nawuphi na umvuzo, inzala, izabelo, ukuzuza ngaphakathi kwiplani ye-IRA kuya kuhlawulwa irhafu (okanye i-tax-free if Roth). Oku kuvumela umvuzo wakho ukuba uhlanganiswe ngaphandle kwentlawulo yerhafu yonyaka. Ingcamango apha kukugcina ukulungiswa kweerhafu ngokukhawuleza ukuvumela ukuba umvuzo wakho uqokelele ngokukhawuleza kunokuba unakho kwiakhawunti yokurhafisa irhafu.
Nangona kunjalo, abanye abanikazi-akhawunti be-IRA abanakho ukufuna ukutyalomali. Esikhundleni saloo nto, bangathanda ukukrazula imali ngaphandle kweenjongo zokungenalo utyalo-mali, njengokuthenga indlu, ukuhlawula iindleko zonyango, ukuqala ishishini, okanye iindleko zokuphila. Ngexesha eliqhelekileyo, ndincoma ukuzama ukugcina isigxina ngokukhawuleza, kunokuba kuyimfuneko ukuqwalasela isicwangciso sokusabalalisa kwangaphambili. Kule meko, ndiza kuqala ukutsala imali kwi-IRAs ngelahleko (yokuqala iRoth ke i-IRAs yendabuko). Ukuba akukho ilahleko epheleleyo, ke uthabathe imali kuqala kwiRoth emva koko ukusuka kwi-nondeductible ngoko kwi-IRAs echithwayo. (Oku kulandelelana kunika ithuba elihle lokugcina izigwebo zincitshiswa.) Ukuba umrhafi unayo iimfuno zeemali zesikhashana, ndiza kujonga kuqala ekuthathweni kwemali mboleko kwi-401 (k) ngaphambi kokuqwalasela ukusabalalisa kwe-IRA, kuba ngo-401 ( k) uza kuboleka wena, kwaye inzala iya kubuyela ngaphakathi kwisicwangciso sakho se-401 (k).
Yona mfanekiso wonke. Yintoni eya kusebenza kakhulu kuwe kuxhomekeke kakhulu kwiinjongo zakho zotyalo-mali kunye neenjongo zezemali, kunye neqhinga leserhafu eyenza ukulahlekelwa kwe-IRA kungabi ncinane kakhulu kunokwenzeka.