Izizathu ezi-7 zokuQinisa iiAkhawunti zeRhafu

by Dana Anspach

Unokuhlanganisa i-akhawunti yomhlala phantsi ngokudlulisela imali kwiakhawunti ezininzi kwiakhawunti eyodwa ye-IRA (okanye kwi-IRA entsha ovulekileyo). Oku kubizwa ngokuba yi-IRA rollover okanye i-IRA. Nazi izizathu ezisixhenxe zokudibanisa ii-IRA kunye nezinye i-akhawunti yomhlalaphantsi.

01 Elula ukuLawula imali

Emva kokuba uthathe umhlalaphantsi uya kufuneka ufumanise indlela yokwenza utyalo-mali lwakho ukuze ufumane inyanga nganye (okanye i-week-week) "yokuhlawula" kwi-akhawunti yakho. Oku kunzima ukuyenza xa unama-akhawunti amaninzi. Xa ii-akhawunti zomhlala phantsi zidibaniswa unokukhetha ngokucophelela lwakho utyalo-mali kwaye uzibeke kwiinqununu zesikhathi; ukhetho olukhuselekileyo lwemali oya kuyidinga ukuyihoxisa kwiminyaka embalwa ezayo, kwaye ukhetho oluninzi olusisigxina ngemali awudingi ukuluchaphazela ixesha elide. Khangela iWebhusayithi yeNkcazo yeNgeniso ukuze ubone indlela inxaxheba ngayo inkqubo yokutyalomali.

02 Ukunciphisa Imali

Iingxelo ze-Retirement ezifana ne-IRA zidinga umgcini - mgcini omele axele igalelo kunye nokurhoxiswa kwi-IRS ngenjongo yokubikwa kweerhafu. Uninzi lwabaxhasi bahlawula umrhumo wonyaka. Iingxelo ezininzi ozifumanayo, iimali ezingaphezulu ozihlawulwayo.

Ukongezelela, xa uthengisa okanye uthengisa utyalo-mali, intlawulo yomthengi inokuhlawulwa. Ukuba udibanisa i-akhawunti, ngokuhamba kwexesha kufuneka ube neentengiso ezingaphantsi kunye nokuthengwa - oku kunokuncedisa ukunciphisa imirhumo yokuthengiselana - kwaye ezinye iinkampani zinciphisa okanye zikhuphe iimali xa i-akhawunti yakho ifinyelela ubuncinane ubuncinane.

Enye yeendlela ezilungileyo zokunyusa iindleko zakho zokutsalwa kotyalo-mali kukugxila ekufumaneni iindlela zokunciphisa iifizi zotyalo-mali ozihlawulayo kunye nokudibanisa i-akhawunti zinceda.

03 Akukho mphulo ekhoyo efunekayo

Ukudibanisa i-IRA kuthetha enye i-akhawunti ukujonga kwi-calculations ye-RMD. Cultura RM Exclusive / Leon Harris

Xa usufikelele kwiminyaka engama-70 / 1/2 kukho ifom ye-IRS kufuneka ulandele loo nto inquma inani elincinci omele ulithathe kwi-akhawunti yakho yomhlala-phantsi ngamnye ngonyaka. Oku kubizwa ngokuba yi- distribution minimum efunekayo .

Ukuba unama-akhawunti amaninzi, iqumrhu lezemali ngalinye liya kukuthumela iphepha ngalinye ngonyaka kwaye likwazise ngokusasazwa okuncinci okufunekayo. Ingaba yintlekele. Kwaye ukuba ulahlekelwa ukuhanjiswa okufunekayo kukho isihlwayo. Njengoko ukhula, kunokuba kulula ukugqala iimaphepha ezifika kwaye zilahlekelwe isaziso esibalulekileyo.

Uyakufumana kuya kuba lula ukuhlanganisa ii-akhawunti zakho (umntu ngamnye - awukwazi ukudibanisa i-IRA yakho kunye neqabane lakho) kwaye uthathe ukusasazwa kwenye kwi-akhawunti ye-IRA ngamnye ngonyaka kunokuba uzame ukulawula ukusasazwa kwi-401 (k) kunye neeIRA. Unokuphinda usebenze kunye neziko lakho lezemali ukusetyenzisa ukusabalalisa kwinyanga nganye ukwenzela ukuba ibe njengowokuhlawula.

04 Ukhulula ixesha lakho

Ekugqibeleni ukudibanisa iakhawunti kuza kukhulula ixesha. Kuza kubakho ukufakela ngaphantsi, i-imeyli encinane, iiphasiwedi ezingaphantsi ukulandelela, ixesha elichithwa lichithwa lijongene nemaphepha, kwaye ixesha elingaphantsi likhangele phezulu.

Awudingi ukugcina amaspredishithi ukulandelela utyalo-mali kwii-akhawunti ezininzi kunye / okanye xa udibanisa ii-akhawunti kwinkonzo ye-intanethi efana ne-Quicken, uya kuba neengxaki ezincinci zokudibanisa. Kwaye xa ufuna ukwenza utshintsho, njenge-imeyile, idilesi okanye utshintsho lwabaxhamli, kufuneka ufune enye ifowuni enye.

Ukuba unayo i-akhawunti kwiindawo ezininzi kuya kuthatha ixesha kunye nephepha ukuze udibanise, kodwa xa usenza njalo, uya kufumana ixesha lakho elityalomali liza kubonelela ukubuyela kwexesha elihle.

05 Ngaphantsi kokuFowulwa

Ukuba ufumana ingxelo yephepha kumaphepha amaninzi, cinga malunga nemithi emininzi ongayigcina ngokuhlanganisa! Nangona ufumana amaxwebhu akho nge-imeyile, kusenokuba isisulu sokuzama ukugcina umkhondo wezinto zonke, ukuhamba kwimibuzo yokukhusela kwaye ukhumbule indlela ungena ngayo usebenzisa enye indawo kunye nomnye.

Utyalo-mali lwakho lunokuthi lukhuseleke kwaye ludibanise xa udibanisa iakhawunti kunye nomgcini ogcinwe kakuhle. Ngaphakathi kwe-akhawunti ye-brokerage ungaba nemali, uxanduva, iibhondi kunye neeCD. Akudingeki ukuba utyalo-mali lu sasaze kumaziko amaninzi kumali. Yenza lula ubomi bakho kwaye udibanise.

06 Yenza Ukuhlaziya Idilesi Yakho Kulula

Ukuhamba kuyingozi. Ukufuduka xa unomhlala phantsi kwiakhawunti ezilishumi kuluhlu lwe-hsle. Kwaye abaninzi abantu bayashenxiswa xa behlala umhlalaphantsi. Bancinci, baye emphakathini womhlalaphantsi, okanye bathuthele ukuba babe kufuphi nabazukulwana kunye nezinye iintsapho.

Ngokumangalisa ngokwaneleyo, abaninzi abantu balahlekelwa yimali kwiiplani zangaphambili zomhlalaphantsi kuba xa behamba bayazibala ukuhlaziya idilesi yabo. Ukuba udibanisa i-401 yakho yangaphambili (k) iakhawunti awuyi kuba nexhala ngale nto.

07 Eyona nto ibonelele kubancedi

Ukuba ufuna ukutshintsha abaxhamli bakho kwaye unayo i-akhawunti kuyo yonke indawo, yintlekele. Xa udibanisa imali yakho yomhlala-phantsi kwi-akhawunti enye, kulula ukuyihlaziya kwaye utshintshe abaxhamli. Ukongeza, ukuba kukho into eyenzekayo kuwe, kulula kakhulu kubaxhamli bakho ukujongana neakhawunti enye ehlanganisiweyo kunokuba ulandele iakhawunti kwiindawo ezininzi. Ukuba umxhamli wakho ungumlingane wakho, yenza kube lula kubo. Hlanganisa iakhawunti yakho yomhlala-phantsi ukwenzela ukuba abajongane ne-hsle ngosuku.

Xa udibanisa i-akhawunti, le nto inokuba yinto elungileyo yokuphonononga iziqulatho zakho zabaxhamli kwaye uqinisekise ukuba uzilungiselele ngendlela efanelekileyo kwiintsapho zakho kunye nabathandekayo. Ukuba ii-akhawunti zihlala kwindawo ezininzi kunokukukhunjulwa ukukhumbuza ngubani owamthiya njengomzuzi kwii-akhawunti.