Ngaphambi kokuba wenze nantoni na, hlala uze uphinde ucinge ngokungena kwi-savings yakho yomhlalaphantsi. Lezo zimali zingaba ngumthombo obalulekileyo wemali, kodwa uya kuzibuyisa kamva xa unokushiya imali yedwa kwaye ufumane inkxaso kwenye indawo.
Izinto azizukufumana lula xa usukhulile kwaye uyeka ukufumana inzuzo.
Ingaba i-IRA ibolekwe ngaphandle?
INombolo yeNgxelo yeNkonzo yangaphakathi (IRS) iyalela ukuba ungayenza ntoni nge-IRAs, kwaye ezo mithetho zivumela kuphela "ukunikezelwa" kwii-IRAs. Ukusasazwa kwenzeka xa uthabatha imali ngaphandle kwe-akhawunti yomhlala phantsi (ngaphandle kokuyibuyisela ngokukhawuleza okanye ukuyifaka ngqo kwelinye i-akhawunti yomhlalaphantsi), kwaye ngokuqhelekileyo ayinakuguqulwa.
Unokufumana oku kumangalisa. Abasindisi abaninzi bakholelwa ukuba bangathatha imali mboleko kwi-IRAs. Ngokwengxenye, ukudideka kubangelwa kukuba unako ukuboleka kwezinye iindidi zeakhawunti yomhlalaphantsi. Ngokomzekelo, ama-401 (k) amacebo avumela ukuboleka imali. Kodwa i-IRAs ayifuni, yaye ngokuqhelekileyo ayikwazi ukufungiswa njengebhondi xa ufaka isicelo semboleko.
Iindlela ezi-3 zokuboleka i-IRA yakho
Ukuba awukwazi ukuboleka kwi-IRA yakho, unokwenza ntoni? Kwakhona, kukulungele ukusebenzisa i-asethi engabonakalwanga ngomhlalaphantsi, ukuba kunokwenzeka.
Kodwa ukuba ufuna imali ngeyiphi na indleko, ungahlola oku kulandelayo:
I-rollover yeentsuku ezingama-60: Unokwazi ukusebenzisa i-asethi yakho ye-IRA ngexesha elifutshane usebenzisa i-rollover yeentsuku ezingama-60. Kufuneka ulandele imithetho eqinile ye-IRS, kodwa le ndlela ifana ne-IRA emfutshane-mboleko. Qaphela ukuba ii-IRS zenze le ngxaki ibe nzima nakakhulu kwiminyaka yamuva, ngoko ke ubuyekeze imigaqo ukuba kukho into oyenzile ngaphambili.
Ezinye izicwangciso zomhlala-phantsi: Unakho ukhetho lokuboleka ezilinganisweni kwizicwangciso zomhlalaphantsi zomsebenzi ezifana no-401 (k) izicwangciso. Isicwangciso sakho kufuneka sivumele iimali-mboleko (kungekhona zonke), kwaye uthatha ingozi emininzi xa uboleka. Ukongeza ekuhlaseleni imali yakho yokugcina imali, uya kufuneka ukhokhe irhafu (kwaye mhlawumbi izigwebo) ukuba awukwazi ukubuyisela umboleko. Cinga oko kuza kwenzeka xa utshintshe imisebenzi ngaphambi kokuhlawula ngokugcwele.
Kusenokuba nako ukuhambisa imali kwi-IRA ukuya kwi-401k yakho, ukwandisa imali enokuyiboleka. Sebenzisana neSebe lakho le-HR, umcwangcisi wezezimali kunye nomcebisi weerhafu ukuze uqonde ukuxhamla kunye nenkunkuma yaloo ndlela.
I-Roth IRAs: I- Roth IRAs inokwazi ukubonelela ngemali oyifunayo, kodwa (kwakhona), uya kulahlekelwa phantsi kwiinjongo zakho zomhlalaphantsi. NgoRoth, unako ukuthabatha igalelo lakho ngaphandle kokuphazamisa nayiphi na irhafu. Buza i-preparate yakho yerhafu ukuba oko kukukhethwa kwimeko yakho.
Khangela kwenye indawo: Ukukhusela umhlalaphantsi kunye nokunciphisa iingxaki zerhafu, kungcono ukuboleke kwenye indawo. Imboleko engakhuselekanga (apho ungathembisanga nantoni na njengobuncwane) ingaba yiyo yonke into oyifunayo. Lezo mboleko zifumaneka kwiinkonzo zontanga-to-peer , amalungu omndeni, kunye neebhanki okanye iimanyano zeentengo zemboleko .
Ukuba uqala ngokuboleka kwi-lender yendabuko, usenako ukhetho lokuthatha umhlala-mali wokugcina umhlalaphantsi kamva, ukuba kuyimfuneko. Kodwa ukuba uya ngqo kwi-IRA yakho yezimali, kunokuba kunzima ukulungisa umonakalo.
Utyalo-mali kwiShishini
Ukuba ufuna ukusebenzisa i-IRA yakho ukutyalomali kwishishini, unokukwazi ukukrazula-kodwa akulula.
Ngokwenene awuyi kuboleka kwi-IRA. Kunoko, uya kuseka iqumrhu, lixhaswe nge-IRA yakho, kwaye usebenzise elo qumrhu ukuthenga umdla kumashishini. Le nkqubo inzima kakhulu, kwaye kufuneka uxoxe ngokucwangcisa isicwangciso ngeCPA ngaphambi kokuba uzinike nantoni na.
Oku akuyona into ongayenza nge-IRA engumlinganiselo ovulekileyo kwibhanki yakho okanye umanyano wekhredithi. Uya kufuneka usebenze ngenkampani ejolise ekusebenziseni i-IRAs ukutyalomali kumashishini okanye kwi-real estate.
Ukuba uhamba le ndlela, lindela ukuhlawula ubuncinci amawaka eedola ukulungiselela ukusekwa, kwaye uya kufuneka uhlawule iimali zonyaka.
Kakade, kuyafaneleka ukukhumbuza apha ukuba ezininzi iinkampani zokuqalisa ziyahluleka. Ukuba usebenzisa i-IRA yakho, usengozini yokulahlekelwa yimali engenayo kunye neqanda lakho lesidleke. Ngenye indlela, unako ukufumana iimali-mboleko zoshishino ezixhaswe yi-US Small Business Administration (SBA). Ukuxhaswa kukaRhulumente kwenza kube lula ukufumana iimboleko kwaye ugcina uboleke iindleko eziphantsi.