Indlela yokwenza i-SIMPLE IRA Rollover ngaphandle kokuhlawula irhafu

Umthetho Weeminyaka Emibini Eyenza UMSEBENZI IRA Rollovers Akunjalo Kulula

Xa ushiya umqeshi oye wathatha inxaxheba kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi njengo-401 (k), unokhetho oluthile malunga nento enokuyenza ngayo ezo zinto. Ikhetho esiyithandayo ukunconywa ngokuphindaphindiweyo igosa ezo zinto zibe yi- RRA rollover . Xa ugqiba ukugqithisa u-401 (k) kwi-IRA rhoqo, kukho amanyathelo ambalwa alula afunekayo ukugqiba inkqubo ye- rollover . Ukuba kwenziwe ngokufanelekileyo, akukho rhafu luya kuhlawulwa kwaye awuyi kudingeka ukuba ubhale isheke.

Ukuba ufuna ukugqithisa i-asethi yakho kwi-SIMPLE IRA yomqeshi, okanye iSicwangciso soNyaka sokuThuthukiswa kwabasebenzi, inkqubo inokulingana ngokuthe ngqo. Kodwa, njengenxalenye yenkqubo yokwenza i-rollover, uya kubuzwa omnye umbuzo ongezelelweyo ukuba awuyi kubuzwa ukuba uhamba ngaphaya kwama-401 (k) ii-asethi: Ude wachitha ixesha elide kwi-SIMPLE IRA?

Indlela yokwenza i-rollover I-ASPLE iRA asethi

Njenge- 401 (k) icebo , xa ushiya umqeshi oye wathatha inxaxheba kwi-SIMPLE IRA, unokhetho oluthile lwaloo maxabiso. Iimali ezivela kwi-SIMPLE IRA zingafakwa kwenye i-SIMPLE IRA, i-IRA, okanye enye iplani efanelekileyo exhaswe ngumqeshi efana ne-401 (k). Kodwa njengowama-401 (k), kufuneka uqinisekise ukuba ulandela inkqubo enqunyiwe yokulungisa i-rollover ukuze ukhuphe iirhafu okanye izigwebo kwi-asset transfer.

Inxalenye ebalulekileyo yenkqubo kuqinisekisa ukuba isheke nganye okanye nayiphi na isahlulo saloo propati yempesheni engabhalwanga kuwe, okuyiyo eyona nto iya kubangela ukuba uhlawule irhafu ye-20% kwaye ekugqibeleni kuya kubangelwa irhafu yengeniso kwaye isohlwayo sokusasazwa kwangaphambili.

Endaweni yoko, uya kufuna ukunyuka kwe-trustee-to-trustee ukudluliselwa, okuya kuhlawula imali yakho kwi-plan yakho ye-SIMPLE IRA yakho yangaphambili, kwaye unqume isheke okanye uthungelwano lwefowuni ngenzuzo ye-rollover yakho ye-IRA (eya kuthi ichongiwe i-FBO eqingqiweyo) kwaye unokufakwa kwi-rollover yakho ye-IRA.

Kodwa nangona inkqubo ye-SIMPLE IRA rollover ifana kakhulu neye-401 (k), impendulo yaloo mbuzo owongezelelweyo iyenza yonke imohluko.

UMTHETHO we-IRA 2-Year Rule

Ngethuba leminyaka emibili yokuqala emva kwegalelo lakho lokuqala kwi-SIMPLE IRA, unako ukudlulisela nayiphi na imali evela kwi-SIMPLE IRA kwenye i-SIMPLE IRA kwi-trustee-tax-trustee. Ukuba kunjalo, ukuba uzama ukusasazwa kwi-akhawunti okanye ukuyithumela kolunye uhlobo lwe-IRA ngeli xesha leminyaka emi-2, imali ayiyi kuthatyathwa njengegalelo lokuhlawula irhafu. Kunoko, kuthathwa njengokwabiwa kwe-SIMPLE IRA kunye negalelo kwi-IRA yemveli, eya kubangela irhafu ephezulu ekuhanjisweni kwaye inokubangela neengxaki malunga nomlinganiselo wonyaka we-IRS IRA. Ukuze ugweme ezi zihlwayo, qiniseka ukuba awuyi kululeka kwii-asethi zakho ze-SIMPLE IRA kunanto nayiphi enye i-SIMPLE IRA ngaphambi kokuba unelise ulawulo oluyiminyaka emi-2. Ukugcina izinto zilula, usenokufuna ukugcina iimali apho zide zifike kule minyaka mibini.

Emva kokuba iminyaka emibili ukususela kwimali yokuqala ye-SIMPLE IRA, kufuneka uqinisekise kwisicwangciso somgcini-mvume ukuba, ngokwenene, unelisekile umgaqo (abanye abagcini besikhokhelo balinganisa ixesha elinemihla eyahlukileyo "yokuqalisa") ngaphambi kokuqala iphepha lokuhambisa.