Ingeniso yerhafu yerhafu yomfazi osindayo Ifa le-IRA okanye 401 (k)
Iqabane eliphilayo linokuguquguquka kakhulu kunye noko angakwenza kunye ne-IRA okanye i-401 (k). Iinqununu ziquka ezi zilandelayo:
- Ukuhambisa i-akhawunti kwi-akhawunti yomhlala-phantsi yomntu ohlala kuyo - Kwezinye iimeko, umlingane ohlalayo uya kukhetha ukunyathela i-IRA okanye i-401 (k) kwi-akhawunti yakhe yomhlalaphantsi. Ukuba ngaba kunjalo, zonke iirhafu zerhafu ezichasene ne-IRA okanye i-401 (k) ziya kuqhubeka zichithwa kuze kube yilapho umlingane ohlala esenza i-withdrawals kwi-akhawunti. Ngaphandle kwalokhu, iqabane eliseleyo liyakwazi ukusebenzisa ixesha lokuphila kwakhe lokuthatha iindleko ezincinci kwaye ziyakwazi ukukhetha ngubani oza kufumana i-akhawunti emva kokuba umntu ohlala naye efa.
- Ukunyulwa ukuba uqhubeke nokuphatha i-akhawunti njengengxelo yomlingane oshonile - Iintlobo zolu hlobo lonyulo lusebenza ngokusemgangathweni apho umlingani wokuqala efa ngaphambi kokuba aneminyaka engama-70 / 1/2 kunye nomlingane osaphila uneminyaka engama-59 1/2 kunye neminyaka eminci emncinane kunomlingane oshonile. Kule meko, iqabane eliseleyo liyakwazi ukuchasana nokuthatha isabelo esincinci esilindelekileyo kude kubekho umlingane oshonile ukuba afune ukuthatha kwaye aphinde akwazi ukurhoxisa imali kwi-akhawunti ngaphandle kokufaka isohlwayo sokuthoma kwe-10% yokuqala . Emva koko, xa iqabane eliseleyo lifikelela kwiminyaka yobudala engama-59 / 1/2, unako ukufaka i-akhawunti kwi-akhawunti yakhe yomhlalaphantsi. Nangona i-akhawunti isacatshangelwa ukuba i-akhawunti yomfazi oshonile, iqabane eliseleyo kufuneka likwazi ukukhetha ngubani oza kufumana i-akhawunti ukuba umntu ohlala naye efa ngaphambi kokufikelela kwi-59 1/2.
- Ukuxhaswa nge-akhawunti kwi-A okanye iB Trust esekelwe kwisicwangciso somhlaba somntu oshonile - Ukuba i-IRA okanye i-401 (k) iba yinxalenye yomlingane oshonile A okanye iB Trust ngenxa yoqeshiso lwabaxhamli kunye / , ngoko irhafu yengeniso iya kukhishwa kuze kube yilapho umlingane ohlalayo ekhupha i-akhawunti. Kodwa xa i-akhawunti ithatha inxalenye ye-A okanye iB Trust, iqabane eliseleyo liya kufuneka ukuba liqalise ukuthatha isabelo esincinane kubalwa ngexesha lokuphila kwakhe. Kwakhona, iqabane eliseleyo aliyi kukwazi ukutshintsha abaxhamli be-akhawunti emva kokuba umntu ohlala naye efa.
Iziphumo zeRhafu zeZindlu zomntu oPheleleyo osindayo Ukuzuza i-IRA okanye i-401 (k)
Ngexa i-100% yexabiso lemarike elungileyo ye-IRA okanye i-401 (k) iya kufakwa kwixabiso lefa lomntu oshonile ngeenjongo zerhafu, kuba abatshatileyo bangashiya impahla xa befa ngaphandle komrhumo weentlawulo ngenxa Ukutsalwa komtshato ongenamkhawulo , ifa lomntu oshonile aliyi kuba neerhafu nayiphi na irhafu kwi-IRA okanye 401 (k). Esikhundleni saloo nto, xa iqabane eliseleyo lifa, i-100% yexabiso lemarike elifanelekileyo le-IRA okanye 401 (k) ngomhla wokufa komlingane ohlala kuyo iya kubandakanywa kwifa lomlingane ohlalayo ukuba umlingane ohlala ekhethiweyo ukhethwe ukuba agqitywe kwi-IRA okanye 401 (k) kwi-akhawunti yabo okanye bayisebenzise ukuxhasa i-A Trust. Ngakolunye uhlangothi, ukuba i-IRA okanye i-401 (k) isetyenziselwe ukuxhasa i-B Trust, ngoko i-IRA okanye i-401 (k) ayiyi kufakwa kwifa lomlingane ohlala kuyo.
Iziphumo zerhafu Ukuba awuyena Umfazi osindayo
Ingeniso yerhafu yeRhafu ye-IRA okanye i-401 (k) ukuba awunjalo Umfazi osindayo
Ukuba awuyena mlingane ohlala kwi-IRA okanye 401 (k) umnini-akhawunti, ngoko umvuzo wengeniso yokufumana i-akhawunti iya kuxhomekeka kwinto okhethayo ukuyenza ngayo:
- Dlulisa i-akhawunti ibe yi-IRA ezuze ilifa- Ukuba ukhetha ukudlulisela i-akhawunti kwi-IRA ezuze ilifa, kuya kufuneka ukuba uqale ukuthatha isabelo esincinci ngo-Disemba 31 wonyaka emva kokufa komnikazi waswelekileyo kwaye ukuhanjiswa kuya kubalwa phezu kwakho izinto ozilindile emhlabane. Unako ukufumana imali eyongezelelweyo njengoko kufuneka. Njalo ixesha ukusasazwa kuthathwa, kuya kufuneka okanye akunjalo, inani lokuhambisa liya kufakwa kwingeniso yakho engenayo. Kodwa qaphela ukuba ngoku okwangama-401 (k), ukutshintshela i-akhawunti kwi-IRA ayizukukhethwa ngenxa yemigaqo yenkampani egcina isicwangciso. Nangona kunjalo, umSebenzi, uMthetho wokuPhumela umThengi kunye noMsebenzi wokuThuthwa koMsebenzi we-2008 (okanye i-WRERA) ufuna ukuba bonke abaqeshi banikele olu khetho ngoJanuwari 1, 2010.
- Cash out the full - Ukuba ukhetha olu khetho, i-100% yesabelo sakho siya kufakwa kwingeniso yakho engenayo .
Impembelelo yeNtlawulo yeZakhiwo ze-IRA okanye i-401 (k) ukuba awunjalo Umfazi osindayo
Ixabiso elipheleleyo lemarike ye-IRA okanye i-401 (k) iya kufakwa kwixabiso lomnini-mali womntu oshonile ngeenjongo zerhafu . Ngaloo ndlela, ukuba zonke iimpahla zomnini-fileyo zidibene nexabiso le-IRA okanye i-401 (k) idlulile kwi- exemption tax exemption ( federal state) okanye i- state estate tax)
Yintoni eyenzekayo Ukuba i-IRA okanye i-401 (k) idinga ukuhlawula iintlawulo?
Ukuba umnini-mali oshonile unokuhlawulwa, kodwa akukho mali ekhoyo ngaphandle kwe-IRA okanye i-401 (k) ukuhlawula umrhumo weerhafu wezindlu, oku kuya kuba yingxaki enkulu kumxhamli we-IRA okanye 401 (k).
Ngoba? Ngenxa yokuba ukurhoxiswa nganye kwi-IRA okanye i-401 (k) kuya kubangela ukuba imali ehoxisiwe ifakwe kwingeniso ehlawulwayo yomvuzo. Kuthekani ukuba umxhamli kufuneka athathe imali eyongezelelweyo ngaphandle kwe-akhawunti ukuhlawula irhafu yakhe yerhafu? Kuya kubangela irhafu yengeniso eyongezelelweyo kwimali ehoxisiwe. Isiphumo sokugqibela sinokubhubhisa ngemali kubathandekayo bakho - ukusuka kwi-50% ukuya kwi-90% ye-akhawunti yomhlala-phantsi elahlekelwe kwifa kunye neerhafu zerhafu. Indlela yodwa yokukhusela oku kukuqinisekisa ukuba i-estate yakho inemali eyaneleyo okanye enye impahla ye-asethi ngaphandle kwe-akhawunti yomhlala phantsi ukuhlawula i-bill tax tax.