Ifom ye-8606 imiyalelo ye-IRA Contribution
Ixesha leRhafu lizaliswe ngeefom ezahlukeneyo ze- IRS , zonke zifakwe uphawu kunye negama lombonakalo elibonakala lingenalo ulungelelaniso nenjongo enyanzelayo. Kulula ngokwaneleyo ukudideka. Ifom ye-8606 yinto enifanele ukuyifakela ukunika ingxelo kwisiseko sakho se -akhawunti ye-retrait ( non-deductible ). Kodwa kwenzekani ukuba uyakhohlwa ukwenza njalo, okanye awuqondi nokuba ufanelekile?
Sungcangcazela. Akusiyo isiphelo sehlabathi.
Unako ukufaka ifom yexesha elide
Makhe senze igalelo le-IRA engekho-deductible kwiminyaka edlulileyo kwaye awukwazanga ukufaka Ifom ye-8606 nakweyiphi na loo minyaka. Awunakudalula umrhumo kwi-tax return yakho. Ukuba ungenise ifom ye-8606 ngoku nganye kule minyaka, inganelisa i-IRS ngaphandle kokufaka isohlwayo.
Emva koko, oku kulungiswe, ngaba kufuneka kwakhona ufake ifayili 1040? Nantsi okushiwo i-IRS malunga nayo:
Nangona iFomu ye-8606 idla ngokufakwa ngeFom ye-1040, i-IRS iya kuqhuba ifomu ye-8606 ifom ye-late-ifowuni leyo ifakwe emva kokuba imimiselo emithathu yemimiselo yemingcele yokubambisa imali iphelile. zingeniswa ngaphandle kweFomu 1040 okanye ifom 1040X. "
Makhe sithathe le meko esinye isinyathelo kwaye sitsho uneminyaka engama-66 ubudala kwaye awuzange uthathe ukusasazwa. Ufake enye Ifom ye-8606 ngamnye kunyaka ngamnye wenza inxaxheba engekho-deductible.
Oku kuya kuseka isiseko sakho kwi-IRA. Uya kuba uvumelekile ukuba uguqule ii-IRA zakho ezingenakudalulwa kwi-Roth IRAs, okanye ungaqala ukuhambisa ukusasazwa kwii-IRAs ezingenakudalulwa. Yaye akukho, akudingeki ukuba ufake ifayile ebuyisiwe.
Ezinye iindlela
Unenkxaso eyongezelelweyo yegalelo le-IRA ukuba ngaba wenza ngaphambi kweminyaka emithathu.
I-IRS ikuvumela ukuba uyiphathise njengokuba ichithwe okanye ingenakuxothwa-yinto oyikhethayo. Ukuba ufuna ukufaka izicelo zokubanjiswa kweemali, uza kufuneka ufake ifayile yokubuyiswa kwentlawulo echitshiweyo usebenzisa ifom ye-1040X. Kuya kufuneka wenze njalo unyaka ngamnye ufuna ukubuyela emva kwaye ucele ukuncitshiswa.
Unokwenza oku kuphela kwiminyaka emithathu ukususela kumhla wokugqibela wokubhala. Ngoko ukuba ufuna ukufaka isicelo sokubanjiswa kwe-IRA kunyaka werhafu ka-2015, kufuneka ufake ibuyiselo ebuyisiwe ngo-Apreli 15, 2018, umhla wokugqibela ukubiza imali yentela yonyaka werhafu.
Cinga ukusebenza kunye neengcali zerhafu ukukunceda ukuba uyenze oku okanye uguqulele kwiRoth IRA uza kwenza umlinganiselo wezemali kuwe ngeli nqanaba ngexesha.
Isohlwayo sokuLawulwa kwexesha elide
Isohlwayo sokufakela ifom ye-Form 8606 ngasekupheleni kwe-$ 50, kodwa ngezinye iinkcukacha i-IRS ikhupha lesi sihlomelo ukuba unokubonisa isizathu esilungeleyo sokulibaziseka ekufakeni ifom.
Imithetho yentela iguquka rhoqo kwaye ulwazi olungentla lungabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu kwaye ayikho enye ingcebiso yerhafu.