Ezinye iirhoxiso zingabangela iintlawulo zerhafu
Yinjongo enkulu kwaye ifanelekile yokugcina umhlalaphantsi, kodwa kwenzekani xa ushaya i-bump emgwaqweni omkhulu wendlela kwaye kufuneka uphinde uphume imali? Yimiphi imigaqo yokurhoxa xa ufikelela kwiminyaka yobudala kwaye usulungele ukufumana iziqhamo zokusebenza kwakho?
Kukho iintlobo ezintlanu eziphambili zokurhoxiswa kwe-IRA: kwangaphambili, ukurhoxiswa rhoqo, ukuhanjiswa okuncinci, iRoth IRA kunye nokuhanjiswa kwe-IRA. Imithetho eyahlukeneyo isebenzayo nganye kwiimeko ezahlukeneyo.
01 I-IRA yokuKhutshwa kwangaphambili
IRAs zenzelwe ngokukodwa ukugcina imali yokuthatha umhlalaphantsi. I-IRS ifuna ukuba usebenzise imali yokuthatha umhlalaphantsi, ngoko ke ukuba uhoxisa imali kwi-IRA yendabuko kwangaphambili, ngaphambi kokufikelela kwiminyaka yobudala engama-59 / 1/2, ityala le -penalty yokuhoxiswa kwexesha eliphambili le-10 lisebenza. "Indabuko" igama eliphambili apha. Imithetho eyahlukeneyo isebenza kwiRoth IRAs.
Kumele unike ingxelo ye-IRA yemveli kwangaphambili kwifomu yakho yentlawulo ye-1040 kunye neerhafu zerhafu eziqhelekileyo zisebenza kule mali ngokunjalo. Kukho okunye okungafaniyo kwerhafu yesihlwayo, kodwa akukho ngaphandle kwerhafu yengeniso. Unako ukukhusela isahlulo sentlawulo yesigwebo xa imeko yakho iwela phantsi kwe- IRA yokukhutshwa kwemithetho yobunzima .
02 Roth IRA Ukurhoxiswa
Kukho ulwazi oluninzi oluphazamisayo ngaphandle kweRoth IRA. Ngaba akakhokhelwa irhafu? Yohlobo lwe. Into enhle malunga neRoth kukuba unako ukurhoxisa umnikelo wakho wangaphambili-nangona ungaguquki okanye ixabiso le-rollover-nangaliphi na ixesha, nangaliphi na ubudala, kungekho ntlawulo okanye izigwebo. Kodwa ukuba uhoxisa inzuzo yesabelo-mali ngaphambi kokudala iminyaka engama-59/12 okanye ngaphambi kokuba ube neRoth iminyaka emihlanu, irhafu kunye nezohlwayo ziya kusebenza. Ukuba i- akhawunti yeRoth ekhethiweyo kwisicwangciso se-401 (k), imigaqo iyahluke.
Kodwa ukuba ulandela imithetho kwaye usebenzise iRoth ngeminyaka yakho yomhlalaphantsi, yebo, ukuhoxiswa kuya kuba yerhafu .
03 Izabelo eziqhelekileyo ze-IRA
Unokuthatha imali kwi-IRA yakho yendabuko kwaye akukho ntlawulo yerhafu iya kusebenza emva kokufikelela kwiminyaka yobudala engama-59 / 1/2. Ezi zijongwa njengeempawu eziqhelekileyo ze-IRA ngenxa yokuba uyisebenzisela iminyaka yakho yomhlalaphantsi. Kodwa imali ehoxiswayo isabandakanywa kwingeniso yakho yerhafu-kufuneka uyixele ngefomu yakho yentlawulo ye-1040.
Isamba sentela oza kuhlawula kwi-IRA yokusabalalisa iya kuxhomekeka kwibharki yakho yerhafu kunye nengeniso yakho yerhafu ehlawulwayo emva kokuncinciweyo ongayithatha loo nyaka. Ukuba ingeniso yakho ephakamileyo, uya kuhlawula irhafu kwizinga eliphezulu. Ukuba unokunciphisa ngaphezulu kunokuba unemivuzo, awuyi kuhlawula irhafu nhlobo.
04 Ulwabiwo oluncinane olufunekayo
I-IRS idinga ukuba uqale ukuthatha isabelo kwi-akhawunti ye-IRA, 401 (k), 403 (b), izicwangciso ze-457 kunye nezinye izicwangciso zokulondoloza umhlala-phantsi xa usufikelela kwiminyaka yobudala engama-70 / 1/2. Ezi zinto zifunwa ngokuncinci zincinci zihlala zibizwa ngokuba ngama-RMD. Isixa omele uthathe utshintsho ngamnye ngonyaka kuba sisekelwe kwifom usebenzisa i-age yakho kunye ne-akhawunti yokugqibela ye-akhawunti. Awunyanzelwanga ukuthatha ii-RMD kwi-Roth IRA ukuba unayo i-akhawunti, kodwa uya kufuneka uthathe i-RMD unyaka ngamnye ukuba uzuze iRoth.
05 Rollovers and Transfers
Xa ugqithisa i-akhawunti yomhlalaphantsi efanelekileyo njengesixa semali esivela kwisicwangciso somhlala-phantsi, 401 (k), okanye 403 (b) kwi-IRA, oku akukona ukuhoxiswa ngokwemigaqo. Unokungena kwi-akhawunti ngaphandle kweerhafu okanye izigwebo, kungakhathaliseki ukuba uneminyaka yakho, ukuba ulandela imithetho.
Xa ususa imali kwi-IRA enye ukuya kwelinye, oku kubizwa ngokuthi ukutshintshwa . Ukuba imali yakho ye-IRA ihamba ngokuthe ngqo kwiziko lezemali eliya kwelinye kwaye imali ayize isezandleni zakho, ukudluliselwa kweerhafu- kunye nehlawulo-ntlawulo. Ngokufanayo, ukuba iimali ze-IRA ziza kuwe kwaye uzibuyisele kwi-akhawunti efanelekileyo kwiintsuku ezingama-60, uya kusindiswa irhafu kunye nezohlwayo. Kodwa unokwenza oku kanye emva kweenyanga ezili-12 okanye kungathi ithathwa njengentlawulo ehlawulwayo.