Nantsi indlela oyiqhubela ngayo emva kwentela 401 (k) imali kwiRoth IRA.
Nazi ezinye zezinto eziqhelekileyo malunga nendlela olu hlobo lwe-rollover lisebenza ngayo.
Ndivile imiqathango ye-IRS ayicacile malunga nokuxhaswa kwemali yentela emva kweRoth?
Kwiminyaka emininzi ukucwangciswa kwezemali kunye noluntu lwentlawulo aluqinisekanga ukuba imali emva kwerhafu kwiplani yenkampani ingahanjiswa ngokusemthethweni kwiRoth IRA.
NgoSeptemba 2014 isigqibo se- IRS sacacisa oku kwaye impendulo ngu "Ewe". Ngenxa yoko, uvumelekile ukuba uqhube umrhumo werhafu emva kwerhafu yenkxaso yomhlala-phantsi kwiRoth IRA. Ukufumana iinkcukacha malunga nemimiselo kunye nokuchazwa kwemithetho sibone:
- Imimiselo ye-IRS malunga neengxelo zerhafu emva kwerhafu
- Ukuqhawula emva kweRhafu-401k Iminikelo yokuguqulwa kweRoth
Umlawuli uya kunqumla amasheke ahlukeneyo ahlukeneyo
Ukuququzelela i-rollover yerhafu yerhafu 401 (k) iimali kwiRoth IRA umcwangcisi wecebo lakho uya kunqumla iisesheke ezimbini; enye yerhafu yerhafu emva kwerhafu kunye nomnye we-tax pre-tax. Ungakhokelela umrhumo werhafu emva kokuya ngqo kwi-akhawunti yeRoth IRA ngelixa imali engekahlawulwa ingena kwi-IRA yemveli. Uza kukhetha i-akhawunti efanelekileyo nganye yegalelo lenkxaso kwi-401 yakho (k) iphepha lokuhambisa.
Kuthekani ukuba ubeka imali kwiakhawunti engalunganga?
Xa ufumana i-rollover khangela ukuba unentsuku ezingama-60 ukuyibeka kwi-akhawunti efanelekileyo.
Ukuba ulahlekelwa ngumhla wokugqibela we-60 yakho i-rollover ayiyi kubalwa njenge-rollover. Ngezinye izihlandlo umntu ubhala kum ezama ukulungisa iphutha elinjalo. Ngaphantsi omnye umbuzo onjalo ndiwamkelayo:
Ndisanda kutsala umhlalaphantsi kwaye ndafumana ithuba lokuhlaziya i-401 yam (k). Ndicinga ukuba ndenze iphutha elikhulu kakhulu njengoko ndandifumana imali yentela emva kokuba, njengoko ndiyayiqonda, ndiyakwazi ukungena kwiRoth IRA. Ekubeni idlule i-rollover yosuku lwangama-60 kwaye ndafaka i-check tax emva kwe-akhawunti ye-brokerage ngaba ndinayo nayiphi na indlela njengoko ndiyakholwayo ukuba ndiphule i-golden opportunity? (Ndiyakwazi ukubonisa ukuba yonke imali emva kwentela kwaye isaphila kwi-akhawunti ngenkokhelo.)
Ngelishwa impendulo yalo mbuzo ayikho, ayikho nayiphi na indlela ekhoyo. Ukungaxhomeki kwixesha eli-60 lokulungiswa kwexesha lokuxilisa kunzima ukuza ngaphandle kokuba inkampani yakho yeenkonzo zezimali yenza iphoso elikhulu. Unokujonga ezinye iindlela zokufumana imali kwiRoth ngokuguqula i-IRA kwiRoth , okanye ukuba wena okanye umlingane ufumene ingeniso kunokuba unokuba negalelo kwiRoth IRA .
Ukuphepha iimpazamo
Xa uthatha umhlalaphantsi qiniseka ukuba ulandele yonke imithetho ye-rollover ukwenzela ukuba ungahlangabezane nantoni na. Funda onke amaphepha ngokucophelela ngaphambi kokuba uyihambise kwisicwangciso sakho somlawuli, kwaye ujonge kwakhona iinombolo zeakhawunti ngaphambi kokuba wenze idipozithi. Unokujonga kwi-401 yakwi-k1 yakwi-kota yakho yokubheka malunga nokuba kufuneka kube yimali engakanani emva kwemali yentela, kwaye qinisekisa ukuba inani lokutshekisha olifaka kwiRoth yakho lilingana naloo mali (mhlawumbi ayiyi kuba kanye umlinganiselo ofanayo kunye nesitatimende sakho njengoko iimali ziguquguquka imihla ngemihla njengoko utyalo-mali litshintsha kwixabiso).