Ukutshatyalaliswa kwe-IRA yakho eyabelwe ifa kwi-IRA
Ngezantsi uluhlu lwezinto ezine ongakhetha ngazo xa usenza isigqibo malunga nento enokuyenza ngayo i- IRA yemveli . Kodwa ngaphambi kokuba uchaze iindlela ozikhethayo, kufuneka ukwazi izinto ezintathu ezibalulekileyo: (1) Awuyi kuvunyelwa ukuba uqhube i-IRA kwifa lakho kwi-IRA yakho, oku akunjalo ukhetho, nangona kunjalo, (2) Uya kuvunyelwa ukuba Ukuthatha isabelo kwi-IRA ezuze ifa ngaphandle kokuhlawula isohlwayo se-10% ekukhutshweni kwangaphambili , kwaye (3) Isizathu sokuba ndiqhubeke ndiphindaphinda ukuba unokwazi ukukhetha kwizinto ezikhethiweyo kukuba kungengabo bonke abaxhasi be-IRA banikezela zonke izinto ezine ezingekho kumlingane baxhamli be-IRAs zemveli. Ngaphandle kwalokhu, ezinye zezigqibo zakho zinokuthi zinciphise ngenxa yobudala be-akhawunti yomnini ngexesha lokufa kwakhe, kwaye abahlala naye basenokuba neenketho ezihluke kakhulu kubaxhamli abangengabo baqabane . Ngaloo ndlela, kufuneka uqale ucele umgcini we-IRA ukuba yeyiphi indlela enokukhetha ngayo malunga ne-IRA yakho ezuze ilifa ngaphambi kokuthatha isigqibo sokuba wenze ntoni kwimiba ethile.
4 Izinketho zabangewona umfazi abazuze i-IRAs
Ikhefu # 1 - Ikheshi Ngaphandle kwe-IRA kwiminyaka emi-5 . Wena, njengomntu ongeyena umlingani we-IRA, uya kuvunyelwa ukuba uhoxise yonke imali evela kwi-IRA ngo-Disemba 31 wonyaka wesihlanu emva kokufa komnini-akhawunti ye-IRA. Ukuba ukhetha olu khetho, ngoko ke ukurhoxiswa ngamnye kuya kufakwa kwingeniso yakho ehlawulwa irhafu kunyaka mali ihoxiswa.
Awunayo imifuziselo kwizitofu kodwa kufuneka uhoxise yonke imali nangaliphi na ixesha phambi komhla wama-31 ka-December.
Inketho # 2 - Thatha i-Distribution Minimum efunekayo kwi-Life Your Own Expectancy . Wena, njengomntu ongeyena umlingani we-IRA, unokukwazi ukuthatha isabelo esincinci kwisithuba sakho sokuphila, ushiye ubuninzi be-akhawunti ukuba uqhubeke nokukhula ngendlela ehlawulwe irhafu . Ngokuqhelekileyo kuthiwa "i- Iret Straych ". Ukuba uncinci kakhulu kunomnini we-akhawunti ye-IRA kwaye unokukhetha olu khetho, ngoko uya kukwazi ukudala iqela elincinci elincinci. Ngaloo nto uthe, uya kuba nako ukufumana okungaphezulu kokusasazwa kwakho okuncinci kunani nawuphi na unyaka ukuba kufuneka wenze njalo. Njengoko ukhetho lwama-# 1, ukuhanjiswa ngalunye kuthathwa luya kufakwa kwingeniso yakho yerhafu ngexesha lonyaka imali ihoxisiwe. Ukuze ukhethe olu khetho, kufuneka usungule i-akhawunti ye-IRA eyahlukileyo efa kwigama lomnikazi we-akhawunti yomntu oyifileyo ngenzuzo yakho kwaye uthathe isabelo sakho sokufunwa esincinci sokuqala ngo-Disemba 31 wonyaka olandelayo kunyaka wokufa komnikazi we-akhawunti. Ngokomzekelo, i-akhawunti ye-IRA ezuze ilifa yayiza kuthiwa "nguJohn Doe, iRA (usweleka 1/1/13), uFBO uSally Doe, umxhamli." Kwakhona, kufuneka ukwazi ukubiza abaxhamli abaziintloko kunye nabasesekondari ukuba uyafa kwaye imali ihlala kwi-IRA yakho.
Inketho # 3 - Thatha iMipasho eyimfuneko encinane kwi-Life Expectary Life Beneficiary . Wena, njengomntu ongeyena umlingani we-IRA, unokukwazi ukuthatha isabelo esincinci esilindelekileyo ngaphezu kobomi bexesha elide lomxhamli we-IRA. Kuya kuba ngumphumo ukuba umnini-akhawunti we-IRA ogqitywe nge-IRA kwaye ahlule i-akhawunti ye-IRA ayifumanekanga kwi-IRA ngamnye umxhamli ngo-Disemba 31 wonyaka olandelayo kunyaka wokufa komnikazi we-akhawunti. Njengoko kunokhetho loku-1 no-# 2, ukuhanjiswa ngamnye kuyenziwe kuya kubandakanywa kwingeniso yakho ehlawulwa irhafu kunyaka mali ihoxiswa.
Inketho # 4 - Intlawulo ye-IRA ngokukhawuleza . Wena, njengomntu ongeyena umlingani we-IRA, unokurhoxisa i-100% ye-akhawunti ye-IRA ngokukhawuleza kwaye ufake imali kwi-pocket yakho.
Ukuba ukhetha olu khetho, i-100% ye-akhawunti iya kufakwa kwingeniso yakho yerhafu ngunyaka wokuhoxiswa. Ekubeni ukhetha olu khetho lunokukuhlawula kakuhle kwi- bracket yerhafu ephezulu, kuya kubaluleka ukuba ungayisebenzisi yonke imali ngunyaka apho ihoxiswa khona kwaye ibeke eceleni imali eyaneleyo yokuhlawula umrhumo werhafu yengeniso. Ngaphandle koko, unokufumana inengxaki nge-IRS.
Yintoni eyenzekayo Ukuba Awunanto?
UMarko ngoDisemba 31 wonyaka olandelayo kunyaka we-IRA yomnini-akhawunti yomntu kwi-khalenda yakho kuba uya kufuneka ugqibe ukuba wenze ntoni nge-IRA yakho ezuze ilifa okanye ngaphambi kwalo mhla. Ukuba awukwenzi nantoni na ngalo mhla, umzekelo we-# 1 ukhankanywe apha ngasentla uya kuba yimfuneko, kwaye kuya kufuneka uhoxise yonke into kwi-akhawunti ye-IRA ekupheleni konyaka wesihlanu emva konyaka wokufa komnini-akhawunti ye-IRA.
Yintoni Okufanele Uyenze?
Ukuba uzuze ifa le-IRA, nceda, nceda ungaceli i-IRA umgcini-ngcebiso malunga nento oyenzayo ngelifa lakho, kwaye nceda, nceda ungabhoxisi i-100% yemali ngokukhawuleza. Endaweni yoko, nciphisa, uthathe umoya ophezulu, uze uxubushe nommeli wecebo lomhlaba, umboleki weerhafu , kunye nomcebisi wezemali ukukhetha ukuba yeyiphi inxaxheba eya kusebenza kakuhle kwiimeko zakho.