Imithetho ye-IRA ezuzwa kumntu oqabane naye
Ukuba uzuze i-IRA kumntu ngaphandle kweqabane elithile leemithetho echaziweyo.
Ukuba uzuze i-IRA yendabuko evela kumlingani wakho
Kukho ezimbini iiprayimari ze-IRA ongayifumana i-IRA yendabuko okanye i- Roth IRA .
Ukuba uzuze i-IRA yendabuko kwiqabane lakho, unezigqibo ezintathu eziphambili. Imithetho yeRoth IRAs iyahluke. A
Ungayibhawula
Uza kuhlawula irhafu yengeniso kwimali ehoxiswayo xa ubeka imali kwi-IRA, kodwa akukho ntlawulo yerhafu iya kusebenza ngaphandle kwexesha lakho. Oku kuyinto efanelekileyo kuba ngokuqhelekileyo ukunikezelwa kwe-IRA ngaphambi kweminyaka yobudala engama-59 1/2 kuxhomekeke kwi- 10 ekhulwini kwerhafu yokuqala yokuhlawulwa kwe-IRA .
Kodwa nokuba uthathe irhafu yentlawulo etafileni, ukufaka imali kwi-IRA kungenzeka ukuba ayiyiyo eyona khetho. Kufuneka uqwalasele ibhakha yakho yerhafu . Ukuhlawula kwi-IRA enkulu kunokuthetha ukuba naphi na i-25% ukuya kwi-39.6 pesenti yayo iya ngqo kwiintlawulo zentlawulo. Intlawulo yengeniso yombuso iya kusebenza, kwakhona. Kungaba ngcono ukuhoxisa imali njengoko uyayidinga kunokuba uhlawule yonke i-IRA ezuze ilifa ngokukhawuleza.
Unokuphatha i-IRA njengeyakho
Unokuphatha i-IRA njengeyakho ngokuzibiza ngokuthi ungumnikazi we-akhawunti okanye ngokufaka i-IRA kwifa lakho kwi-akhawunti yakho ye-IRA.
Oku kunokuba yinto enokukhetha ngayo ukuba uneminyaka engama-59 / 1/2 kunye / okanye iqabane lakho lide kunani. Ikuvumela ukulibazise ukuthatha ukwabiwa okuncinci , okubizwa ngokuba yi-RMD, ngokukhawuleza. Ukuba ukhetha ukuphatha i-IRA njengeyakho, ii-RMD zakho zexesha elizayo ziya kugqitywa ngokusukela kwiminyaka yakho kuqala ngomnyaka uba ngumnini.
Nasi umzekelo: Umlingane wakho uneminyaka engama-72. Uneminyaka engama-65 ubudala. Umlingane wakho waqala ukuthatha i-RMD yakhe kwiminyaka engama-70 / 1/2. Unyulo lokuphatha i-IRA njengefa. Awunayo ukuthatha ii-RMD zonyaka ukuya kufaka iminyaka engama-70 / 1/2 kungakhathaliseki ukuba iqabane lakho lenze njalo. Iwashi ivuselela ngokufanelekileyo.
Inzuzo kulokhu kuqhutshwa kwentela yokuqhubeka. Gcina ukhumbule ukuba xa uneminyaka engaphezu kwe-59 1/2, unako ukutsala ukuxothwa xa ufuna imali kwaye akukho ntlawulo yerhafu iya kusebenza. Awunyanzelwanga ukwenza oko de uze ufike kwiminyaka engama-70 / 1/2.
Kodwa nantsi ilizwi lesilumkiso: Ukuba awukho 59 1/2 kwaye ukhetha ukunyanga i-IRA njengeyakho, izabelo zakho ziya kuxhomekeka kwerhafu yentlawulo ye-10%.
Unokuziphatheka njengoMxhamli
Le nto inokukhetha ngokukhethekileyo xa uneminyaka engama-59 / 1/2 kunye / okanye udala kunomlingane wakho. Xa ubeka i-akhawunti ukwenzela ukuba uthathwa njengomxhamli we-IRA ezuze ilifa esikhundleni somnini, ukunikezelwa kwakho okuncinci okufunekayo kumiselwe ngumlingane wakho ngexesha lokufa kwakhe. Oku kubonisa ezimbini iindlela.
Ukuba iqabane lakho lafa emva kokuba ii-RMD zakhe ziqale ngenxa yokuba wayeneminyaka engaphezu kwe-70 / 1/2, kufuneka uthathe isabelo ngokusekelwe kwixesha elide:
- Umhlala wakho wokufa komntu osweleyo ngokusekelwe kwishedyuli ye-RMD yangaphambili okanye
- Ubomi bakho bodwa obude
Ukuba iqabane lakho lafa ngaphambi kokuba i-RMD iqalise, unokumisela ukunikezelwa kwada kwadalelwa ukuba ii-RMD zakhe ziqalise kwaye zithathe iindleko ngokubhekiselele kwixesha lakho lokuphila elilodwa.
Inzuzo yolu khetho kukuba unako ukuthatha ikhefu xa kuyimfuneko kwaye akukho ntlawulo yerhafu iya kusebenza ukuba awukho 59 1/2. Yaye ukuba uneminyaka engaphezulu kweqabane lakho, unokumisela i-RMD kude kubekho iqabane lakho liza kufuneka liwuthathe, eliza kuba ngumhla ozayo emva kobudala bakho 70 1/2.
QAPHELA: Akukho nto kule nqaku ichazwe njengeengcebiso. Kubalulekile ukuba uqikelele ngokucophelela ukhetho lwakho ngokusekelwe kwiimfuno zakho zokuhamba kwemali kunye neemeko zakho zerhafu, ngokufanelekileyo emva kokubonisana neengcali zemali.