IRA ifa elivela kumntu ongatshatanga naye

Ifa le-IRA Imithetho yeNgxaki engeyiyo uMfazi

Njengabantu base-US ubudala, kuqhelekile ukuba uzuze i-IRA kumama okanye ubaba, unina okanye umalume, okanye nokuba ngumntakwabo okanye umhlobo. Oku kwenzeka rhoqo xa uhlala okanye kufuphi nomhlalaphantsi. Unokukhetha ezimbalwa malunga nendlela yokuphatha le IRA. (Ukuba uzuze i-IRA kumlingane wakho ukhetho olukhethiweyo lusetyenziso ngoko ubona inqaku elizuyelweyo Ilifa le-IRA kumfazi wam .)

Abantu abaninzi bacinga ukuba bangayifumana i-IRA ezuze ifa kwi-IRA yabo.

Ngelishwa, ukuba uzuze i-IRA kumntu ongengumlingani wakho umlingani awukwazi ukuyibuyisela i-akhawunti kwi-IRA yakho okanye uphathe i-IRA njengeyakho. Kunoko, kufuneka ukhethe kwiinketho ezichazwe ngezantsi.

Imali kwi-IRA ngoku-okanye kungakapheli iminyaka emi-5

Uhlala unenketho yokufaka imali kwi-IRA enefa. Uya kuhlawula irhafu kwixabiso lokusasazwa, kodwa akukho 10% ye-IRA yokurhoxisa irhafu yentlawulo yangaphambili . Ukuba ukhetha olu khetho kufuneka uhlawule kwi-IRA yonke ifa ngo-Disemba 31 wonyaka wesihlanu emva kokufa komnini-IRA wokuqala. Nangona akukho ntlawulo yerhafu esebenzayo, le nto ayinakukhetha kwakho. Ukuhlawula kwi-IRA enkulu kunokuthetha naphi na kwi-25% - i-39.6% yayo iya ngqo kwimirhumo yentlawulo. Intlawulo yengeniso yombuso iya kusebenza kwakhona. Ngenxa yesi sizathu, unokufuna ukuqwalasela ukhetho olungezantsi 2.

Yolula Iingxowa Zakho

Ukuthatha ikhefu ngokukhawuleza, ungasetha into ebizwa ngokuba yi-akhawunti ethi "ifa le-IRA" kunye nawe njengomzuzi.

Njengomxhamli, kufuneka uthathe ixabiso elincinci lokuhambisa kwi-IRA ifa ngamnye ngonyaka ngokwexesha lokuphila kwakho usebenzisa imigaqo ethile. Ezi ntlawulo zibizwa ngokuba yiMfuno eziNcinane zeeNkonzo kwaye zihlala zibizwa ngokuba yi-RMD. Olu khetho lokuthatha izinto zokurhoxisa ngaphezu kwexesha lokuphila kwakho libizwa ngokuba libizwa ngokuthi "I- Straight IRA ".

Into enhle malunga nale khetho kukuba unako ukuhlala uhoxisa imali ngokukhawuleza xa kuyimfuneko. Imithetho icwangcisa ubuncinane kufuneka uhoxise. Ukurhoxisa ngaphezu kobuncinci kuhlale kulungile.

Nge-Stretch IRA, isabelo sakho sokuqala esincinci kufuneka senzeke ngo-Disemba 31 wonyaka olandelayo kunyaka wokufa komnini we-IRA. Uya kufuna le ngcaciso elandelayo ukubala inani elifunekayo lokusabalalisa:

1. Unyaka wakho ngo-Disemba 31 wonyaka olandelayo emva kokufa komnini-IRA wokuqala.
2. Ibhalansi ye-akhawunti ngomhla kaDisemba 31 wonyaka odlulileyo.

Sebenzisa le ingentla ngasentla kumanyathelo achazwe ngezantsi:

1. Njengomntu ongeyena umlingani, uqala ngokujonga ixesha lokuphila kwakho njengoko kuboniswe kwiTable I ye-IRS Ukupapashwa kwe-590. Sebenzisa iminyaka yakho njengempahla yokuqala kwoluhlu olungentla. (Xa ufikelela kule nqanki qhosha ukuya kwi-Appendix C ukuze ufumane itafile yokuhlala ixesha elifanelekileyo.)
2. Hlukanisa ibhalansi ye-akhawunti yonyaka odlulileyo (into yesi-2 kwoluhlu olungentla) ngeli xesha lokuphila. Okulingana nemali efunekayo ukuba uhoxise ngonyaka wokuqala kufuneka uthabathe ukuhambisa.
3. Unyaka ngamnye emva koko, thabatha ixesha lokugqibela lobomi lobomi obungaphaya kweyoku-1 kwaye ube ngumcebisi omtsha wokusebenzisa.

Ungasebenzisa kwakhona i-calculator yesithathu ibhalwe kwi- 3 Good RMD Calculators uluhlu ukwenza le math.

Into enhle malunga nokukhethwa kwelolu hlobo lukuvumela ukuba ukhokhe irhafu kuphela kwisixa esicatshulwayo njengoko usikhuphayo ngelixa intsalela yemali kwi-akhawunti iyaqhubeka ikhula i-tax-backerred.

Ukufumana iinkcukacha ezongezelelweyo khangela 4 iindlela zokungabikho Abafazi abaxhamli be-IRAs .

I-Trust okanye elinye iqumrhu elilifa IRA

Ukuba umela ithenda okanye enye into engeyena mntu ngamnye kwimithetho eyahlukeneyo iya kusebenza. Unako ukufaka imali kwi-IRA kwaye kuya kufuneka ukuba wenze njalo kule minyaka emihlanu. Ngaphandle kwalokhu kuya kuba ngaba bonke abaxhamli be-trust bayabantu ngabanye, ngoko unako ukhetho lokusasaza ukusabalalisa ngaphaya kwexesha lokuphila komntu othembekileyo kunabo bonke abathembekileyo.

Jonga Umxhamli Akunalo Icandelo ngalinye le-IRS Publication 590 ukuze uthole iinkcukacha.