Qonda umgaqo we-IRS ngokuthatha ama-401k Ukunikezelwa kokuqala kwi-Age 55
Ukuba unesicwangciso se- 401 (k) , mhlawumbi sele uyayazi ukuba kukho isahlulelo se- 10 sepesenti sokurhoxisa nayiphi na imali ngaphambi kokufikelela kwiminyaka yobudala engama-59 / 1/2. Kodwa kukho ezinye izinto ezingekho kulo mgaqo wokusabalalisa kwangaphambili kwaye omnye wabo uphatha amaxesha angaphambi kokuthatha umhlalaphantsi ngokukodwa. Yaziwa ngokuba yi-Internal Revenue Service "UMthetho we-55." Ukuba uneminyaka yobudala engama-55 okanye ngaphezulu, kuyinto ofuna ukuba wazi ngayo.
Nguwuphi uMthetho wama-55?
Umthetho we-IRS wama-55 uvumela umqeshwa ogqitywayo, ukuxothwa okanye oyeka umsebenzi phakathi kweminyaka engama-55 no-59 1/2 ukukrazula imali ngaphandle kwe-401 (k) okanye 403 (b) isicwangciso ngaphandle kwesihlwayo.
Oku kusebenza kubasebenzi abashiya imisebenzi yabo nayiphi na ixesha ngexesha okanye emva komnyaka wabo wokuzalwa kwama-55.
Ewe, kukho ukubamba. Umthetho we-55 usebenza kuphela kwiimpahla ezikhoyo kwi-401 (k) okanye 403 (b) -ewo utyalo-mali xa usebenze ngoku ushiye kwiminyaka engama-55 okanye ngaphezulu. Ukuba unayo imali kwi-401 yangaphambili (k) okanye 403 (b), ayifanelekile ukuxolelwa kwesohlwayo sokuthoma. Uya kufuneka ulinde uneminyaka engama-59 / 1/2 ukuqala ukurhoxisa imali kwiile akhawunti ukuba ufuna ukwenza njalo ngaphandle kokuhlawula isohlwayo se-10 ekhulwini.
Lo mgaqo we-55 awusebenzi kumacandelo omhlala phantsi , nokuba kunjalo. Ukuba ufanele uhambise impahla kwi-rollover IRA xa ushiya umsebenzi wakho, awuyi kulungele ukuhoxiswa kwangaphambili phantsi koMthetho wama-55.
Yintoni iCandelo 72 (t) Ukusabalalisa?
Kukho enye indlela yokuthatha imali ngaphandle kwe-401 (k), 403 (b), kunye ne-asethi ye-IRA xa ushiya umsebenzi ngaphambi kweminyaka engama-59 / 1/2.
Iyaziwa ngokuba yiNtlawulo yePeriodic Equal Equation okanye i-SEPP. I-IRS Isiqendu 72 (t) ukusasazwa.
Ukusebenzisa olu hlobo lolawulo lokusabalalisa, uya kuqala ngokubala ixesha lokuphila kwakho kwaye usebenzise ukubala ukuba uhlawulele iintlawulo ezintlanu ezilinganayo ukusuka kwisicwangciso somhlala-phantsi kwiminyaka emihlanu emva kobudala obungama-59 / 1/2.
Kodwa izabelo zingenzeka nanini na ubudala kwaye azibophelelwe ngumyinge oneminyaka engama-55 njengoMthetho we-55.
Ngaba Ngaba Unokuthatha Ukusasazwa?
Ukukwazi ukuthabatha imali kwangoko kunokuba ngumkhuseleko omkhulu kubo bafumana ukuba kufuneka bathathe umhlalaphantsi ngaphambi kweminyaka yobudala engama-59 / 1/2. Kodwa ukuba kunokwenzeka ukuba ucime kwaye ufumane omnye umsebenzi , umsebenzi wexeshana, okanye usebenze njengomcebisi, kungenza kube nengqiqo ukuvumela imali ukuba iqhubeke nokukhula ihlawuliswa yerhafu kwiminyaka engamashumi ama-60 xa kunokwenzeka.
Ukuthatha imali kwangaphambili kunokunciphisa ixabiso elide lexesha elide lepotfoliyo yakho. Oku kuyinyaniso ngokuqinisekileyo ukuba iminyaka yokuqala yokuthatha umhlalaphantsi iyingozi kwiimarike. Ukuba ulindele ukuhlala ubomi obude, ukusabalalisa kwangaphambili kunokubeka ingeniso yakho yengomso engozini.
Cinga ngethuba lexesha zonke izigqibo zokurhoxisa iphothifoliyo. Sebenzisana nomcebisi weerhafu, umcwangcisi wezemali, okanye umlawuli wakho wolawulo lomhlala-phantsi ukwenza isicwangciso sokurhoxisa esigxina.
Qaphela: Njalo qhagamshelana neengcali zerhafu malunga nolwazi oluphezulu kunye nolwazi. Imithetho yerhafu kunye nemithetho ingatshintsha rhoqo. Eli nqaku alikho iingcebiso zerhafu kwaye akujoliswanga njengeengcebiso zerhafu.