Le yinkqubo elula xa wazi ukuba isebenza kanjani!
Abantu abaninzi abaqapheli ukuba banokudibanisa amaninzi kwiakhawunti yabo yomhlala-phantsi kwi-IRA enye. (Abaqabane abanako ukudibanisa ii-akhawunti zabo zomhlalaphantsi kunye.)
Ukuba unesicwangciso sama-401 (k) esilufuna ukutshintshela kwi-IRA nayizinyathelo ezine ezithathayo.
1. Khetha inkampani yeenkonzo zemali oza kusebenza nayo
Uyakufuna ukhethe iqela eliza kuba ngumgcini we-akhawunti yakho yomhlalaphantsi. Ukuba ulawula utyalo-mali lwakho ungakhetha iVanguard, iTrust okanye uCharles Schwab. Ukuba usebenza nomcebisi wezezimali, baya kuba neenkampani zenkampani yomrhweba okanye abagcinekisileyo abazisebenzisayo kwaye baya kuvula i-akhawunti (e) oyifunayo apho.
Abanye abantu bacinga ngokugqithiseleyo ukuba bafuna ukusasaza imali yabo kwiinkampani ezininzi ukuba bahluke. Oku akunjalo. Unokuvula i-akhawunti kwinkampani enye, kwaye ngaphakathi kwe-akhawunti yakho isasaza imali yakho kwiintlobo ezahlukeneyo zotyalo-mali.
Ukusebenzisa umlondolozi ozinzile ukhusela iakhawunti yakho kwiintlobo ezininzi zobuqhetseba , kwaye ukufumana imali yakho kunye nekhampani enye kwenza ulawulo lwemali yomhlalaphantsi kunye nokwabiwa komhlalaphantsi kube lula.
2. Funda uluphi uhlobo lwe-akhawunti yomhlala phantsi onokudibaniswa
Iindidi eziqhelekileyo zeakhawunti yomhlala-phantsi zingadluliselwa kwi-akhawunti enye ye-IRA kunye ne-akhawunti enye ye-Roth IRA.
Umzekelo, xa ushiye umqeshi wakho, unokuhambisa 401 (k) kwi-IRA (oku kuthiwa yi- rollover ).
Xa ususa imali kwi-401 (k) kwi-IRA usebenzisa i-rollover ye-IRA akukho zerhafu ezifunekayo, njengoko kuthathwa njengotshintsho oluchanekileyo ukusuka kwelinye uhlobo lwe-akhawunti yomhlala phantsi kwenye. Kwi-IRA yakho entsha uza kuhlawula irhafu kuphela njengoko uthabatha.
Ukuba uphakathi kweminyaka yobudala engama-55 no-59 1/2, qiniseka ukuba uyayiqonda i- 401 (k) imithetho yomhlalaphantsi ngaphambi kokugqiba ukuhambisa imali ngaphandle kwe-401 (k) icebo.
401k (), 403 (b), ii-akhawunti ze-SEP, ii-akhawunti ze-SIMPLE, ii-KEOGH, ngamnye kwi-401 (k), kunye nezicwangciso ezingama-457 zingadluliselwa kwi-akhawunti eyodwa ye-IRA. Ukuba nayo yonke into kwi-akhawunti enye yenza kube lula ukuhlaziya nokutshintsha abaxhamli , ukulawula utyalo-mali nokuthatha izinto zokurhoxisa. Xa ufikelela kwiminyaka engama-70 1/2 kufuneka ufumane inani elincinci lokurhoxisa, kwaye oku kunokuba nzima ukulawula ukuba i-akhawunti yakho isasazeka.
Ukuba unesibonelelo sentela emva kwe-401 (k) isicwangciso okanye ezinye i-akhawunti yomhlala-phantsi abo banokudluliselwa kwi-akhawunti ye-Roth IRA.
Kwezinye iimeko ungafaka umhlalaphantsi ngee-akhawunti ezintathu okanye ngaphantsi: enye ye-IRA, enye i-Roth IRA, kunye ne-brokerage eyodwa / i-akhawunti yokugcina imali / ingxowa-mali engeyodwa uhlobo lwe-akhawunti yomhlalaphantsi.
3. Ukuseka i-akhawunti ye-IRA rollover
Okokuqala kufuneka ube ne-akhawunti ye-IRA evuliwe kunye nenombolo ye-akhawunti. Unokuvula i-akhawunti kwiziko lakho elikhethiweyo lwezimali ngaphandle kokubeka imali kuyo; vele bazise ukuba uya kutshintshisa i-401 (k) okanye enye i-akhawunti yomhlala phantsi kule IRA.
Emva koko, qhagamshelana nomqeshi wakho omdala okanye umlawuli wecebo lomhlalaphantsi (jonga isitatimende seakhawunti yakho yomhlalaphantsi ukufumana ulwazi loqhagamshelwano) kwaye ubaxelele ukuba ungathanda ukuhlawula i-401 yakho (k) imali kwi-akhawunti yakho ye-IRA.
Uninzi lwexesha baya kuthumela iphepha ozoligcwalisa. Ezinye iinkampani ziya kuqhuba i-rollover ngefowuni ukuba ubabonelela ngolwazi olutsha lokugcina kunye nenombolo yakho ye-akhawunti ye-IRA.
Izicwangciso ezininzi zokuthatha umhlala-phantsi zifuna ukuthumela i-check check to you, kwaye kuya kuba kuwe ukukhawuleza ukuyifumana kwi-IRA yakho entsha yomgcini. I- rollover ye-IRA kufuneka igqitywe kwisithuba seentsuku ezingama-60 okanye iya kuthathwa njenge-distribution taxable.
Ezinye izicwangciso zomhlala-phantsi ziza kufaka iifowuni okanye zithumele ngqo ngqo kuwe entsha ye-IRA. Buza ukuba bayayinika le ndlela, kwaye ukuba bayakwenza, ndincoma ukuba ubavumele ukuba bathumele imali ngqo.
4. Khetha utyalo-mali kwi-IRA yakho
Xa imali ihlanganiswe kwiakhawunti enye, unokukhetha ukuba zeziphi iintlobo zotyalo-mali ezikuloo akhawunti. Yenza isicwangciso sotyalo - mali kwaye uqinisekise ukuba utyalo-mali okhethayo luhambelana nokurhoxiswa okulindelekileyo ukuba uya kuthatha.
Ngokomzekelo, ukuba uyazi ukuba uya kufuneka uthathe i-$ 20,000 ngonyaka ozayo, awufuni ukuba i-20,000 yee-invested inento enesibindi, engozini okanye engathandekiyo, njengesikhwama se-stock. Ufuna into ekhuselekileyo ukuze ungabi naxhala malunga nelo nxalenye yeakhawunti yakho ibingaphantsi kwee-20,000 zamaRandi xa uyayidinga.