Ngaba Ufanele Uxhaswe i-IRA yakho okanye 401 (k) kwiTrasti yakho eLawulayo?

I-401 yakho (k) Ngaba ayikho Inkolelo Yakho

Ngaba ufanele ufake i-IRA yakho okanye 401 (k) kwithemba lakho? Lo ngumbuzo oza kuvela rhoqo xa ndifikelela kwisigaba sezimali se-trust kunye nomthengi. Impendulo ayikho. I-IRA yomgcini okanye 401 (k) isicwangciso somlawuli siya kuthemba ukukuyeka kwiitrakthi zakho ukuba uzama ukubuyisela isicwangciso sakho egameni lokuthembela kwakho okuphikisayo,

Impembelelo yeRhafu yokuHamba i-401 yakho (k) Kwi-Trust yakho

I-Revenue Service Revenue ibona ukuba ukutshintsha umnini we-IRA yakho okanye 401 (k) nokuba negama lakho lokuthembela lihoxiswa kwi-akhawunti.

Kumele unike ingxelo yonke ixabiso le-akhawunti kwi-return tax yakho kwaye iya kuhlawulwa irhafu njengenxalenye yengeniso yakho kunyaka owenze ngayo utshintsho. Ukuba uncinane kuneminyaka yobudala engama-59 / 1/2, kuya kufuneka uhlawule isohlwayo se-10 sepesenti yokukhishwa kwangaphambili kwemali.

Ziziphi iindlela zakho?

Kunokuba utshintshe umnikazi we-IRA okanye u-401 (k) kwigama lakho ukuya kwi-trust yakho yokuphila, ungatshintsha abaxhamli beprayimari kunye nabasekondari ukuba bahambelane neenjongo zokucwangcisa umhlaba. Oku kungabonakala kuwumsebenzi olula ekuqalekeni, kodwa kuxhomekeke kubukhulu be-IRA okanye 401 (k) kunye nesicwangciso sakho sesakhiwo, unokufuna ukusebenza nommeli onamava.

Cinga nge-Rolous Roll

Ukubiza i-trust yakho njengokuba umxhamli weemali zakho zomhlalaphantsi unokufumana nemiphumo emibi, kodwa ukuba ufuna imali ukuya kumlingane wakho, kukho indlela yokwenza ngayo xa ushiya ithemba lakho ngaphandle kwe-equation-kunokukwazi ukujongana lakho ezinye izinto .

Ngaphantsi kwemithetho ekhethekileyo ye-IRS, ungayifaka i-akhawunti yomhlala phantsi kwiqabane lakho, kwaye unokuyifumana kwiindlalifa ezincinci ngexesha lokufa kwakhe, esebenzisa imihla yokuzalwa kwimida efunekayo kwaye ngaloo ndlela unwebe imiphumo yerhafu ngaphandle kwamanye amaninzi iminyaka - ngokoqobo kwizizukulwana.

Izicwangciso zokuthatha umhlala-phantsi ezifanelekileyo ze-ERISA zixhomekeke kwimithetho emininzi echaphazelekayo kunye neyinkimbinkimbi, ngokukodwa xa idluliselwa njengefa. Ezinye izenzo onokuzithatha nazo akunakuze zenzeke emva koko ukuba uqaphela ukuba wenze iphutha. Kubaluleke kakhulu ukuba ufumane iingcebiso ngaphambi kokuba wenze okuthile.

QAPHELA: Imimiselo yelizwe kunye neendawo zitshintshe rhoqo kwaye ingcaciso engentla ingabonakali utshintsho olutshanje. Nceda uqhagamshelane nommeli okanye umgcini-akhawunti kwi-advisory date. Ingcaciso equlethwe kule nqaku ayikho ingcebiso yomthetho okanye yerhafu kwaye ayifaki indawo yeengcebiso zomthetho.