Ukunika ingxelo yeNgxowa-mboleko ehlawulwayo yePensheni yakho kunye neentlawulo ze-Annuity Payments
Oku kungcolileyo, ukuthetha okuncinci. Yintoni na? Unquma njani ukuba ingeniso yakho yomhlalaphantsi ihlawulwa njani?
Ngethamsanqa, i-IRS inikeza izixhobo ezahlukeneyo zokubala.
Imali ye Pension kunye neNzuzo
Hlanganisa zonke izitatimenti zakho eziyi-1099-R kwi-bhanki nganye, i-fund, okanye isicwangciso somhlala-phantsi wonyaka. Ezi ngxelo ze-1099-R zinikeza ingxelo ngezabelo ezahlukeneyo zomhlalaphantsi.
Ngoku kwahlula izitatimende ezili-1099-R kwiibilongo ezimbini: ezo zifunyenwe kwi-IRA yakho, kunye nalawo afunyenwe kwiipension zakho okanye izicwangciso zonyaka. Bika i- Distributions yakho ye- IRA kumgca we-15a weFomu 1040. Bika ingxelo yakho yempesheni kunye nemali ye-annuity kumgca 16a.
INgxowa-mboleko yeeNgxowa-mali zakho kunye neziNtela
I-IRS ibonisa ukuba ukuba unika inzala emva kwe-dollar -tax kwipenshini yakho okanye i-annuity, iintlawulo zakho zempesheni zihlawulwa ngokukodwa. Awuyi kuhlawula irhafu kwisahlulo seentlawulo ezimela ukubuyiswa kwemali yerhafu emva kwakho. Le mali yindleko zakho kwisicwangciso okanye utyalo-mali, kwaye kubandakanya imali ukuba umqeshi wakho unokuba negalelo ehlawulwa kuwe njengeniso ngelo xesha.
Ngamanye amagama, nayiphi na iminikelo oyifumayo kunye nentlawulo yerhafu emva kwerhafu kwaye awusayi kuthatha irhafu yentlawulo ayihlawulwanga ngoku. Ukhokhe iirhafu kuloo mali kanye. Oku kubandakanya umrhumo wakho umqeshi owenzelwe egameni lakho kodwa oko kuthiwa nguwe ngeniso njengeniso ukuze ukhokhe irhafu kwiimali xa zinikelwe.
Leyo yinto elula. Ngoku kufuneka uqaphele indlela ekufuneka ihlawulwe ngayo imali eseleyo. Iimpesheni ezihlawulwa ngokukodwa zihlawuliswa phantsi kweMigaqo-jikelele okanye iNkqubo elula. Kumele usebenzise uMthetho oqhelekileyo ukuba imali yakho yokuhlawula okanye imali yempesheni iqale ngomhla ka-Novemba 18, 1996. Ukuba imali yakho yempesheni okanye imali yokuhlawula imali yaqala emva kolu suku, ungasebenzisa indlela elula ukuyisebenzisa ukuba ubale inxalenye yakho ehlawulwayo.
Umgaqo-Jikelele
"Ngaphantsi koMthetho oyiNtloko, ufumana iinkokhelo ezihlawulwe irhafu kunye neentlawulo zeentlawulo zakho zonyaka ngokusebenzisa iithebhile zokulinda ubomi ezichazwe yi-IRS," ngokwe-IRS.
Funda i-IRS Publication 939, uMgaqo-Jikelele wePenshini kunye neNkxaso-mboleko ukufumana umhlala-phantsi wakho ohlawulwayo kunye nenkxaso phantsi koMthetho oyiNtloko. Ukuba awufuni ukuya kuzo zonke iingxaki okanye umngcipheko ekwenzeni impazamo, i-IRS iya kubala imali engenayo yempesheni phantsi kwe-General Rule kuwe ngomrhumo womsebenzisi otyunjelwe. Imiyalelo ngokucela i-IRS ukubala umhlalaphantsi wakho ohlawulwayo phantsi kweMigaqo-Jikelele iyafumaneka kwi-Publication 939, Ukucela ukuLawula kwiRhafu yeNkcazo.
Indlela elula
I-IRS ithi "xa uqala ukufumana iintlawulo zenkxaso-mali ukusuka kwisicwangciso somhlala-phantsi esifanelekileyo emva koNovemba 18, 1996, ngokubanzi uza kusebenzisa iNkqubo elula ukuyifumana inxalenye yentlawulo yeentlawulo.
Isicwangciso sokuthatha umhlala-phantsi esifanelekileyo sisicwangciso somqeshwa ofanelekileyo, isithuba somqeshwa oqeqeshiweyo, okanye isicwangciso se-annuality protection year. Ngaphantsi kweNkqubo elula, unako ukufumana iinkokhelo ezihlawulwayo kunye neentlawulo zeentlawulo zakho zonyaka ngokugqiba iWindows Worksheet Worksheet. "
I-Worksheet yoLwazi oluFilisiweyo lungafumaneka kwiphepha 26 lemiyalelo yeFomu 1040 ukuba ufuna ukuyisebenzisa ukuze ufumane iintlawulo zakho zempesheni kunye neentlawulo zemali. Ingxenye ehlawulwayo ikwabikwa kwiFomu 1040 Umgca 16b.
Ulwazi lweRhafu malunga nePensheni kunye neziThuthi
Ulwazi olupheleleyo kunye nolwazi olulula lokufunda ngokumalunga neempesheni kunye neempesheni ziyafumaneka kwiSahluko 7 seRhafu yakho yeNgeniso yeNgeniso . Esi sahluko siquka yonke inkcazelo oyifunayo, kuquka iifayile zokusebenzela i-IRS, iithebhu zokulinda ubomi, kunye neengxoxo zeentlobo ezahlukeneyo zokuhlawula kunye nezicwangciso zempesheni .
Ungaphinda ubhekise kule Ncwadi elandelayo ye-IRS:
- Imali ye Pension kunye neNkcitho (Annality Income) (Publication 575)
- Umgaqo-jikelele weePenshini kunye neziThuthi (iPublication 939)
- Izinzuzo Zomhlala-phantsi Zaseburhulumenteni base-US (Ukupapashwa 721)
Imithetho yentela iguquka rhoqo kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.