Ukuthatha imali ngaphandle kwe-IRA kunokuba lula, kodwa akusoloko kuhlakaniphile.
Izigqibo zoTyalo-mali
Ngokuxhomekeka kwindlela imali yakho ye-IRA etyalomali ngayo ungadinga ukuqondisa isikhungo sakho semali malunga nokuba yiyiphi impahla kwi-IRA yakho yokuthengisa.
Ngokomzekelo, ukuba unayo imali okanye imali kunye nezibhonkco kwi-IRA yakho kwaye ubeka imali kwi-IRA yonke, ngoko uza kuthengisa yonke into kwi-IRA. Ukuba ufuna enye yemali kwi-IRA yakho, kuya kufuneka unqume ukuba zeziphi iimali, iimpahla okanye amabhondi ukuthengisa.
Ukuba awuyikucwangcisa ukuyisebenzisa imali kodwa endaweni yoko ufuna ukuhambisa i-IRA yakho kwenye i-brokerage, ungadlulisela imali kwi-IRA kwelinye iqumrhu ukuya kwi-IRA kwelinye iziko. Ngokugqithiswa, imali ayizange ikhutshwe kwi-IRA-endaweni yoko, uhambisa imali ye-IRA kwi-akhawunti enye ye-IRA ukuya kwenye. Utshintshelo lwe-IRA alukho phantsi kwentela yengeniso okanye irhafu yentlawulo xa ulandela imithetho ye-IRS yokulawula ukutshintshwa.
Xa Unokuyithatha Imali Ye-IRA?
Unokwenyani imali ngaphandle kwe-IRA naliphi na ixesha. Kodwa ukuba uthabatha imali ngaphandle kwe-IRA yakho ngaphambi kokuba ufikelele kwiminyaka yobudala engama-59 ½ kwaye awuhlangani nezinye iimfuno ze-IRS, unakho ukuhlawula ityala ye- 10% kwerhafu ehoxiswayo.
Izabelo zengxowa ye-IRA zikwabandakanywa njengeniso yerhafu xa ufaka irhafu yakho yentlawulo.
Eyona nto ingeyona nto xa ungathatha imali ngaphandle kwe-IRA; yinto enjani malunga nentlawulo kunye nezohlwayo oza kuhlawula xa uthabatha imali ngaphandle kwe-IRA yakho ngexesha elingafanelekanga.
Ziza kuhlawula phi iirhafu kwi-IRA?
Naliphi na ixesha uthabatha imali ngaphandle kwe-IRA yendabuko, iya kuba yinzuzo ehlawulwa irhafu ngonyaka.
Imali yentlawulo oya kuhlawula ixhomekeke kwisilinganiselo sakho serhafu esezantsi-nyaka-kuxhomekeke kwisixa esipheleleyo semali engenayo kunye nemali ehluthwayo.
Ukuba awunayo enye ingeniso kunyaka uthabatha i-IRA ukukrazula kwaye unako ukuxothwa okwaneleyo, kwenzeka ukuba awuyi kuhlawula nayiphi irhafu.
Iingcamango Zokugwema
Unokufumana ityala kwaye uzive ukuba ukuthabatha imali ngaphandle kwe-IRA yindlela yakho kuphela. Cinga kabini ngaphambi kokusebenzisa olu khetho. Imali ye-IRA ikhuselwe kubaboleki kwiimeko zokubhankwa kwebhanki. Kuthekani ukuba imeko yakho yezemali iya kuba nzima? Ngokuthatha imali ngaphandle kwe-IRA yakho uya kuba ngumntu okhuselekileyo wokhuseleko lwemali-mboleko echazwe ngezantsi.
- Ukufikelela kwi-$ 1 yezigidi ze-IRA imali ikhuselweyo kwiimangalo zebhanki phantsi komthetho we-federal ukuba unika isandla ngqo kwi-akhawunti (oku kuthetha ukuba lo khuselo lungafumaneki kwi-akhawunti ye-IRA oyifumene nayo).
- Ibhalansi yonke ye-akhawunti ye-IRA ikhuselekile ukuba imali yafakwa kwi-IRA kwisicwangciso senkampani (njenge-401 (k) okanye 403 (b) isicwangciso ).
- Impahla ye-IRA inokukhuselwa kwiimangalo zemali-mboleko ngaphandle kwe-bankruptcy. Oku kunqunywe ngumthetho welizwe kunye nemithetho iyahluka ngokubanzi ukusuka kwiphondo ukuya kwilizwe.
Ukuziphendulela: kukusoloko kukulungele ukujonga kunye negqwetha lakho kwiimeko apho iimpahla ezibolekisiweyo zingayilandela.
Imithetho iyahluka ngombuso.
Ixesha elifanelekileyo lokuthatha imali kwi-IRA
IRA yi-Akhawunti yoMhlala-phantsi. Ubeka imali apho ukuze usebenzise umhlalaphantsi. Ixesha elifanelekileyo lokuthatha imali ngaphandle kwe-IRA ngokubhekiselele kwisicwangciso sokurhoxisa ngokuhlakanipha. Isicwangciso sokurhoxisa kuthetha ukuba ukhangele umvuzo wakho onyakeni ngamnye ngomhlalaphantsi kunye nomhla wokuqala woKhuselo loLuntu, ipensheni kunye nayiphi enye imithombo yengeniso, kwaye uqikelele imeko yakho yerhafu ngokuthatha umhlalaphantsi kwaye isetyenziswe ukuba uthathe isigqibo sokuba yeyiphi iminyaka onokuyithatha ngaphezulu okanye i-IRA phantsi.
Ndifuneka nini na ukuthabatha imali kwi-IRA?
Kwimveli ye-IRA (engekho iRoth IRA) kufuneka uqale ukuhoxiswa ngokukhawuleza emva kokufikelela kwiminyaka engama-70 ½. Ezi zokurhoxiswa zibizwa ngokuba ziyimfuno ezincinci . Isixa omele usihoxise senziwa ngumgaqo ogqitywa ngonyaka ngamnye ngokubhekiselele kwiminyaka yakho kunye nomyinge wokugqibela we-akhawunti.
Kuthiwani ngokuthatha imali ngaphandle kweRoth IRA?
Imigaqo ekhankanywe ngasentla isebenza kwii-IRAs zemveli apho wenza imali enikeziweyo. I-Roth IRAs inomgaqo ohlukileyo wemigaqo yerhafu esebenzayo.