Funda indlela yokwenza i-rollover IRA indlela elula.
Xa ushiya isicwangciso sakho semali emva komqeshi wakho ukhetho olwamkelekileyo, akunjalo okwenzekayo ngokuqhelekileyo.
Ngokuqhelekileyo, imali, eyayibekelwe umhlalaphantsi, ikhutshwe. Ngenxa yoko, ukusasazwa kwezicwangciso zomhlala phantsi ngokuqhelekileyo kuxhomekeke kwiintlawulo zentlawulo, iirhafu zorhulumente, kunye nokuhlawulwa kwangaphambili kwesohlwayo. Ngaphezu koko, ulahlekelwe yikhono lokuzuza kwixesha elizayo kwimali oyifumayo.
I-Rollver ye-IRA idla ngokuqhelekileyo i-Smart Way yokuya
Isisombululo yi-IRA rollover. I-rollover yinkqubo elula apho ixabiso elipheleleyo le-balance balance plan lihanjiswa ngokufanelekileyo kwi-Akhawunti ye-Retirement Individual (IRA). Nangona kunjalo, ukuba awuyi kucela ngokufanelekileyo i-rollover, ukuhanjiswa kwakho kuya kuxhomekeka kwi-20% yokubamba irhafu. Usenayo iintsuku ezingama-60 ukufaka imali epheleleyo yexabiso lakho langaphambili le-akhawunti ye-401K kwaye ugweme ukusabalalisa irhafu. Nangona kunjalo, ukuba unayo imali engavumelekanga, kufuneka ufike ngexabiso elithintekayo ukugqiba i-rollover!
Ngokucacileyo, kulungele ukwenza izinto ngendlela efanelekileyo okokuqala.
Nazi iimbalwa ezimbalwa ezinokwenzeka zokugqiba i-rollover ye-IRA:
- IRA rollover ikuvumela ukuba ugweme isohlwayo se-10% sokuthoma kokuqala xa uneminyaka engama-59 / 1/2.
- Imali yakho iya kuqhubeka ikwazi ukukhula ngomhlalaphantsi kwaye uza kukwazi ukukhupha irhafu uze uhoxise imali emva koko emva komhlalaphantsi.
- Unokwazi ukufumana uluhlu olubanzi lwazo lokutsalwa kwezolimo-mali kunokuba ezikhoyo kwisicwangciso somqeshi onika ithuba lokuphucula ulwahlulo lwakho jikelele.
Imizekelo yeMpembelelo yokuGcinwa kweMvume kunye ne-IRA Rollovers
Umzekelo 1
UDerrick uyeka umsebenzi wakhe nge-50,000 ye-401 yeKharityhulam. Ngaloo xesha, akayi kuhlosisa ukugqithisa i-akhawunti yakhe kwaye anqume ukuhambisa. Uya kufumana i-check for $ 40,000, ukususela ngo-20% (i-R10 000) kufuneka inqatshelwe. Ukuba uDerrick uhlaziya kwaye emva koko unqume kwisithuba seentsuku ezingama-60 ukuba aqokelele yonke ibhalansi yakhe ye-401K, unako ukwenza njalo. Nangona kunjalo, kufuneka afike nge-$ 10,000 eyiyo eyayiqala ngexesha elilahlekileyo ngokulahlekelwa. Akayi kukwazi ukufumana imali engavaliweyo kuze kube yilapho efaka ifayile yakhe yokubuyela ngonyaka ozayo.
Umzekelo 2
Cinga oku kulandelayo kwimeko efanayo. Ukuba uDerrick wayecelile ngokufanelekileyo i-rollover kwasekuqaleni, wayeya kufumana isheke eyenziwe kumphathi we-IRA ukuze inzuzo ye-IRA ibe yi-$ 50,000 epheleleyo. Kulula.
Umzekelo 3
Gcina ukhumbule ukuba ukuba iDerrick ayigqithanga i-akhawunti kwaye isasazwa ngokugcwele, i-20% esele ilahlekelwe ukuhlawula irhafu ingaba ibhobho kwibhakethi xa kuthelekiswa noko kuhlawulwa.
UDerrick akayi kuphela ukuhlawula isantya esiphezulu serhafu kwi-distribution (enokuba yiphakamileyo ngaphezu kwe-20%), kodwa ingaxhomekeke kwi-penalty yokusabalalisa kwangoko (10%) nokuba mhlawumbi ingeniso yelizwe irhafu nayo.
Umzekelo 4
Ngeli xesha uDerrick nje uhamba ngaphaya kweedola ezingama-40,000 aseleyo emva kokumisela ukugweba. Uya kuba phantsi kwentlawulo kwaye isohlwayo se-10% kwi-R10 000 engahanjiswa. Ulunge ngakumbi kunikezelo olupheleleyo ukuba luqiniseke, kodwa lubi kunokuba luphumelele ukulungelelanisa yonke ibhalansi.
Isishwankathelo
I-rollover ye-IRA iyimoto yokugcina umhlala-phantsi ehlawulwa irhafu kwaye ifumana imali evela kwisicwangciso somhlala-phantsi esixhaswe ngumqeshi njengesi-401 (k) isicwangciso. Unenketho yokugqithisa i-akhawunti yakho yomhlala-phantsi xa uthatha umhlalaphantsi, utshintshe imisebenzi, okanye ushiye umqeshi wakho nayiphi na isizathu.
Qiniseka ukuba uhlolisise isicwangciso sakho somhlala-phantsi kunye nomgcini we-IRA ngaphambi kokukhetha ukuthatha i-rollover ye-IRA. Njengokuba kukho ukuthengiswa kwemali ethile kwimingcele ethile, imingcele, okanye iirhafu zingafaka isicelo. I-rollover ye-IRA ayisoloko isona sigqibo esona sigqibo. Ezinye iinketho zikhona njengokuba uhlala kwisicwangciso somhlala-phantsi somqeshi wakho omdala, uzalise i-rollover kwisicwangciso somqeshi wakho omtsha, okanye uthabathe ukunikezelwa kwemali.
Ukuhlaziywa nguScott Spann