Umhla wokugqibela weeMfuno eziNcinane ezifunekayo
Yintoni efunekayo yoLwabiwo oluncinane?
Ukusabalala okuncinci okufunekayo kuyimali encinane ekufuneka ihoxiswe kwi-akhawunti yakho yomhlala-phantsi ngamnye unyaka, nokuba ngaba awukho umhlala phantsi.
Ukuba awuzange uthathe isabelo ngaphambi kokuba ufikelele kwiminyaka engama-70, kufuneka uyenze ngexesha lonyaka uvula i-1/2 ye-1/2 okanye ungadlulanga umhla ka-Aprili 1 wonyaka emva kokufikelela kwiminyaka engama-70 / 1/2. Emva komnyaka wokuqala, ii-RMD kufuneka zenziwe ngamnye ngonyaka ngo-Disemba 31.
Wonke ama-akhawunti aphantsi komhlalaphantsi axhaswa ngumqeshi afuna ukwabiwa okuncinci. Ezi ziquka izicwangciso zokwabelana ngenzuzo, ama- 401 (k) , 403 (b) kunye ne-457 izicwangciso, ii-akhawunti ze-Retirement Individual (IRAs) kunye ne- SEP , i-SARSEP kunye ne- SIMPLE IRAs . I-Roth IRAs ayifuni ukusabalalisa ubuncinane ngelixa umnini-akhawunti ephila, kodwa ukuba unayo i-Roth 401 (k), efana neRoth IRA kodwa eyinikwe ngomsebenzi, ii-RMD zifunekayo.
Ukuba unayo i-akhawunti engaphezu kweyodwa efuna i-RMD, kufuneka uthathe isabelo kwi-akhawunti nganye. Abanikazi bama-401 (k) okanye izicwangciso ze-457b, oko kuthetha ukuba isicwangciso ngasinye sifuna ukusasazwa okupheleleyo kuncinci. Nangona kunjalo, ukuba unayo i-IRA okanye i-403 (b), isixa sakho sokusabalalisa singabakho kwi-akhawunti.
(Kukho nemigaqo ekhethekileyo ye-403 (b) izicwangciso ngeminikelo yangaphambi kuka-1987. Vakashela i-IRS.gov indawo ukuze uthole ulwazi oluninzi ukuba le nto ifana ne-akhawunti yakho.)
Yintoni eyenzekayo Ukuba ndilahleka i-RMD?
Njengoko umnini-cwangciso, unembopheleleko yakho yokugqiba ubuncinci obufanele kuthathwe kwisicwangciso sakho kwaye uthabathe ukusasazwa phambi komhla wokugqibela.
Abo bangenaso isigwebo. Naliphi na imali omele uhoxise iya kuhlawuliswa kwi-50 ekhulwini. Ukuba uyiphuthelwa ngenxa yephutha okanye ukujonga, unokukwazi ukukhusela isigwebo ukuba unako ukuchaza impazamo kwi-IRS kwaye unikeze amanyathelo okulungisa ingxaki.
Ukuze ufumane i-RMD yakho kunyaka wokuqala, ukwahlula ngokulinganayo ukulinganisela kwakho imali yokulinda. I-IRS inceda ukucacisa nokwenza kube lula kwi-Publication 590-B. Ezinye iimeko zingasebenza. Umzekelo, ukuba utshatile kumlingane oneminyaka engaphezu kwe-10 emncinci kunako, ukubalwa kwakho kwe-RMD kungase kwahluke.
Isicwangciso solawulo abaqhuba i-401 (k) okanye esinye isicwangciso esifanelekileyo siya kunika imfundo kunye nolwazi malunga nendlela yokuthatha isabelo kwisicwangciso somhlala-phantsi .
Ukuba i-IRA ibanjwe ngumphathiswa, umphathiswa kufuneka abale kwaye enze ukuhanjiswa egameni lomnini-akhawunti, okanye ingxelo ingxelo ye-RMD kumnini we-akhawunti.
Ii-RMD zihlukile kwiAkhawunti eziBala
Ukuba uzuze i-IRA komnye umntu, ubudala abuchaphazeli kuma-RMD. Ngokubanzi, abaxhamli kufuneka bathathe ukwabiwa kweminyaka emihlanu emva kokufumana i-akhawunti. Ngokuqhelekileyo, abantu abadla ilifa i-IRAs bawafaka kwi-akhawunti yabo, apho imithetho efanelekileyo isebenzayo.
Abaxhamli be-IRA okanye enye i-akhawunti yomhlala-phantsi kufuneka bafune iingcebiso zengcali yerhafu okanye ucwangciso lwezezimali ukuqinisekisa ukuba isicwangciso esilungileyo sisekelwe kwiimeko ezithile.
Cwangcisa phambili kwi-RMD
I-IRS ikhuthaza abahlawuli berhafu ukuba baqale ukucwangcisa kunyaka okhoyo nawuphi na umrhumo ofunekayo kunyaka ozayo. Abahlala kumhlala-phantsi kufuneka benze ii-RMD inxalenye yocwangciso lwakho lwentlawulo yokuphela kwenyanga.
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.