Ama-Akhawunti amaninzi eMhlalaphantsi angabandakanywa kwiNye
Ziziphi iindidi zeeAkhawunti ezinokudibaniswa?
Ngokubanzi, ii-akhawunti ezisebenza ngendlela efanayo ziya kudibaniswa emva kokuba uthathe umhlalaphantsi .
Izinto zokuqala ezi-7 kwoluhlu olungezantsi lusebenza ngendlela efanayo. Xa ubeka imali yerhafu echithwayo; xa uthabatha imali iya kuthi ingxelo yakho yerhafu yerhafu njengeniso engenayo . Ukuba unee-akhawunti ezimbalwa ezahlukileyo kwizinto ezi-7 zokuqala eziluhlu, ezo zinokudibaniswa kwi-akhawunti eyodwa ye-IRA. Le nkqubo yokudibanisa i-akhawunti ibizwa ngokuba yi- IRA rollover okanye idluliselwe .
Iifom zeakhawunti yomhlala phantsi:
- IRA
- 401 (k)
- 403 (b)
- 457 (b) icebo
- I-SIMPLE IRA
- SEP IRA
- Keogh
- Isicwangciso sePensheni
- Roth IRA
- I-Roth 401 (k) (I-Akhawunti yeRoth ekhethiweyo)
Izinto zokugqibela ezi-2 kwiluhlu, iRoth IRA kunye neRoth 401 (k), nayo isebenza ngendlela efanayo. Awufumani irhafu yokutsalwa kweerhafu ngemali oyifakayo, kodwa ikhula ihlawula irhafu. Ukuba ulandela imithetho, xa uyixotha, iya kuba yerhafu engenayo imali.
Ukuba unayo iRoth IRA kunye neRoth 401 (k), xa umhlala phantsi wakho uRoth 401 (k) unokugqitywa, okanye udibene, kunye neRoth IRA yakho.
Ukwahlukana okunye ukudibanisa i-akhawunti efana nohlobo olubizwa ngokuba ngu- Roth ukuguqulwa apho udlulisela imali ye-akhawunti yomhlala-phantsi yokuthatha umhlala-phantsi (ukusuka kwenye yeendidi ze-akhawunti zokuqala ezisixhenxe) kwi-Roth IRA.
Xa ukwenza oku, imali eguqulelweyo yonke ifakiwe njengeniso engenayo engenayo kwirejista yakho yerhafu ngaloo nyaka.
Kuthiwani ngento yesibhozo kuloluhlu, iplani yomhlalaphantsi? Ukuba iplani yakho yempesheni ikunika ikhono lokuthatha isamba semali esisisigxina ukuba isamba semali sinokufakwa kwi-IRA yakho.
Igrafu yiphi i-akhawunti enokuhlanganiswa yabona i- IRS Rollover Chart enika itafile enkulu ekuboniseni iindidi zee-akhawunti onokuyithumela imali ukusuka nakwii-akhawunti.
Ngaba Usenokubambisana Ukudibanisa IiAkhawunti Zomhlalaphantsi?
Amaqabane akakwazi ukudibanisa iakhawunti yomhlalaphantsi. I-akhawunti yomhlala phantsi kufuneka ibhalwe ngegama lomntu oyedwa. Iqabane lingathiwa ngumxhamli, kodwa awukwazi ukudibanisa i-IRA yakho kunye neqabane lakho. Xa usweleka, i-IRA yakho inokufakwa kwi-IRA yeqabane eliseleyo, kodwa kungekhona xa usaphila.
Xa Unokudibanisa iiAkhawunti zeRhafu?
Ukuba awusebenzela inkampani apho i-akhawunti yakho yomhlalaphantsi ikhona, ke loo akhawunti ingagqitywa kwi-IRA. Iingxelo zomhlala-phantsi ezivela kubaqeshi abadlulileyo bonke bangahlanganiswa kwi-IRA eyodwa okanye ezimbini kuwe, kunye negalelo elithathelwa irhafu ehanjiswe kwi-IRA, kunye negalelo leRoth I-Roth engenakho irhafu.
Ngelixa usasebenzela inkampani enecebo lokuthatha umhlala phantsi awukwazi ukuhambisa loo akhawunti yomhlala phantsi naphina. Nangona kunjalo, ezininzi izicwangciso ezixhaswe yiinkampani zikuvumela ukuba uhambe ngaphandle kweakhawunti yomhlala phantsi kwisicwangciso sakho sangoku.
Unokuzijonga nge-401 (k) isibonelelo somboneli ukuba ubone ukuba unokudibanisa i-401 (k) okanye i-IRAs endala ngokuyithumela kwisicwangciso sakho sangoku sekhaya. Ngaphambi kokuba uhambe, thintana nomcebisi wezemali. Kukho iindlela ezingcono kunokuhambisa imali kwiiplani ezixhasiweyo zenkampani.
Ukuba unayo i-SIMPLE IRA kufuneka ulinde iminyaka emi-2 emva kokumisela i-SIMPLE IRA yakho ngaphambi kokuba uyihlanganise kunye nehlobo eline-akhawunti yomhlalaphantsi.
Udibanisa njani iiAkhawunti zeRhafu?
Xa udibanisa iakhawunti yomhlalaphantsi, thumela ixabiso kwi-akhawunti enye yomhlala phantsi. Umzekelo, ukuba unyaka omdala 401 (k) ucwangcise kwi-IRA yakho , uza kugcwalisa iphepha elikhokela lakho elidala 401 (k) icebo lokwenza iteksi ehlawulwe ngokukhawuleza kumgcini omtsha wokulondoloza inzuzo yakho. Ngokomzekelo, ukuba i-IRA yakho yayiseCharles Schwab kunye negama lakho nguJohn Doe, u-401 (k) wakho umnikezeli uza kwenza iteksi ehlawulwe "kuCharles Schwab ngenzuzo kaJohn Doe."
Ngaba kukho iintlawulo ezihlawulwayo xa udibanisa iiAkhawunti zeRhafu?
Ngethuba nje udibanisa iakhawunti ngendlela efanelekileyo akufuneki ukuba irhafu ihlawulwe.
Xa ususa imali ye-akhawunti yomhlalaphantsi, ekupheleni konyaka umgcini-mgcini uya kukuthumela ifomu yerhafu ebizwa ngokuba ngu-1099-R. Eli fomu liya kuxela ukuthengiselana njengokudluliselwa okanye ukuhanjiswa.
Akukho iirhafu ezifunekayo ekudlulisweni okanye kwi-rollover nje kuphela xa i-rollover eyenziwe ngokuchanekileyo . Ngamanye amaxesha umgcini-mgcini unika ingxelo ngokuchanekileyo ukudluliselwa njengokuhambisa. Ukuba ukuthengiselana kubhengezwa ngokungalunganga xa nje unayo iirekhodi ezibonisa ukuba imali yahamba ngqo kwisicwangciso sakho somhlala-phantsi esitsha akufanele kube yingxaki. Umgcini-akhawunti wakho okanye ugqirha wengxelo yerhafu unokukunceda ukuba uyibike ngendlela echanekileyo kwimbuyekezo yakho yentela.
Ngaba kufuneka Udibanise iiAkhawunti zeRhafu?
Zininzi izizathu ndicinga ukuba kunengqiqo ukudibanisa iakhawunti yomhlalaphantsi . Njengoko uneminyaka yobudala kulula ukulawula utyalo-mali, gcina umkhondo wonikezelo olufunekayo, uququzelele utshintsho lweedilesi okanye utshintsho lwabaxhamli, kunye ne-IRA ungasebenzisa ukhetho olukhuselekileyo lokutsalwa kwee-CD kunye nezibophelelo zodwa ezingafumaneki kunye nezicwangciso zenkampani.
Kwaye njengawo nawuphi na umshishini, kufuneka uhlale ucinga ngomgangatho wenkonzo ehambelana nenani. Ungakanani ukuhlawula umniki wakho wangoku ukulawula iakhawunti zakho? Ngaba unganokukhawuleza ukuba i-akhawunti ibe enye i-akhawunti enika inkonzo engcono okanye ukusebenza kumgangatho omnye okanye olungcono? Imirhumo kunye neendleko zingathatha umlingo omkhulu kwiqanda lakho lokuthatha umhlalaphantsi xa ushiywe ungakhange uhlolwe.