Yiyiphi, nini, kwaye bunjani ubuninzi bomrhumo obuncinane.
Ndimele ndiqale nini ukuthatha ukwabiwa okuncinci kuyimfuneko?
I-RMD yakho yokuqala kufuneka ivele ngo-Aprili 1 wonyaka emva kokuba ufikelele kwiminyaka yobudala engama-70 ½, kodwa abaninzi abantu baya kufumanisa ukuba baninzi ukusabalalisa irhafu ukuba bathathe ukusasazwa kwabo kokuqala kunyaka bafikelela kwiminyaka engama-70 / 1/2.
Umzekelo: Ukuzalwa kukaBob ngoFebruwari. Ngaloo ndlela uphendukela kwi-70 ½ ngo-Agasti. Ukunikezwa kwakhe kokuqala kufuneka kwenzeke ngo-Aprili 1 wonyaka olandelayo, nangona wayenokuyithatha kunyaka okhoyo. Ukuba uBob uyalinda kude kube ngowama-1 ku-1 wonyaka olandelayo kunyaka aphendulela kuma-70 ½, kuya kufuneka athathe ukusabalala okuncinane okufunekayo kwiminyaka emibini. Isigqibo sakhe sokulinda nokuthatha imivuzo emibini kunyaka wesibili, okanye ukuthatha ukusasazwa kwakhe okokuqala ngunyaka aphendulela kuma-70 ½ kufuneka kusekelwe kwiyiphi ikhetho eya kubangela irhafu encinci kule minyaka mibini. Ngamakhulu abantu abaye bahlala phantsi ndisebenze kunye nabo, ndibonile ambalwa amacala apho kunengqiqo ukulibazisa i-RMD yokuqala.
Ngaba kufuneka ndiyithathe i-RMD ukusuka eRoth?
AWAKUFUNEKA ukuba uthathe isabelo esincinci kwiRoth IRA yakho. Nangona kunjalo, kufuneka ukuba uthathe ii-RMD ukusuka kwezinye iintlobo ze-akhawunti zeRoth.
Umzekelo, imigaqo ye-IRS idinga ukuba uthathe ama-RMD ukusuka kwiRoth 401 (k), nangona kunjalo, xa uthatha umhlalaphantsi, ungayifaka iRoth 401 (k) kwi-Roth IRA yakho kwaye ngoko unqande le mfuneko.
Kumele uthabathe i-RMD kwiRoth IRAs ukuze uzuze iRoth IRA yakho, ukuba abantwana bakho bazuze iRoth IRA yakho abanakuyivumela ukuba imali ikhulise i-tax free-forever.
Kuthekani ukuba ndiqhubeka ndisebenza kwiminyaka engama-70 1/2?
Ukuba usasebenza kwaye uncedisa kwisicwangciso somhlala-phantsi oxhaswe ngumqeshi, ezinye izicwangciso ziya kukuvumela ukuba ulibazise i-RMD yakho.
Isicwangciso ngasinye esifanelekileyo sinemithetho yaso. Kufuneka uhlolisise isicwangciso sakho ukuba ubone ukuba uya kufunwa ukuthatha isabelo kwiminyaka engama-70 / 1/2 ukuba usasebenza.
Ndingakanani na ukuba ndiphume?
Isixa sokuhanjiswa kwakho okufunekayo sisekelwe ezintweni ezimbini: ibhalansi yakho ye-akhawunti ka-Disemba 31, kunye netafile ye-IRS ngokusekelwe kwiminyaka yakho.
Usebenzisa iminyaka yakho njengosuku lwakho lokuzalwa ngonyaka wokuhambisa kwakho. Ngoko ukuba uhambisa ukusasazwa ngo-2017, sebenzisa ubudala obufumanayo ngosuku lwakho lokuzalwa olwenzeka ngo-2017.
Ukufumana isalathiso, iminyaka engamashumi amabini yokuqala (ukumboza ukusabalalisa iminyaka engama-70-90) yetafile eqhelekileyo esetyenziswayo, itafile yokuLindelwa koBomi obufanayo, ibhalwe phantsi kweli nqaku. Ukubala ukunikezelwa okufunekayo kumntu oneminyaka engaphezu kwe-90, khankanya i-table ye-IRS yexesha elipheleleyo le-IRS kwiwebhusayithi ye-IRS (kule phepha le-IRS phindela phantsi ukuya kwi-Table III ukuze ufumane iThebula elifanayo).
Ukuba unomlingane oneminyaka elishumi elincinane kunewe, okanye uthatha ukusasazwa njengomntu ongeyena umlingane we-akhawunti ye-IRA, kunokusebenzisa itafile enye kwelinye lekhonkco apha ngezantsi:
- Uluhlu Oluhlangeneyo kunye Oludlulileyo (jonga iSithasiselo B) - Se benzisa ukuba lakho iqabane lilishumi elishumi kuncinci.
- Ubomi obungabodwa Ubume beThala - Sebenzisa xa uthatha isabelo njengomntu ongenamlingani womlingane.
Ngaba ndinokuyilungisa i-RMD yam kwiRoth?
Hayi, awukwazi ukuhlawula ubuncinane bokusasazwa kwi-Roth IRA. Nangona kunjalo, unokwabelana ngemali kwi-IRA yakho in-kind, oku kuthetha ukuba usasaza izabelo zotyalo-mali endaweni yengxowa-mali. Emva koko ezo mali zihlala zityalomali kwi-akhawunti ye-brokerage.
Ngaba ndinokuyithumela i-RMD yam kwintando?
Uyakwazi ukulawula i-RMD yakho kwi-charity, kwaye ayiyi kubikwa njengengeniso ehlawulwa irhafu kwi-tax return yakho. Eli lungiselelo linikezelo lwexeshana kwikhowudi yerhafu kodwa lwenziwa ngokusisigxina ukususela ngo-2016.
Ngaba ndibala njani ukusabalala kwam ubuncinane?
Ukuqaphela ukuba kufuneka uhoxise kangakanani, thabatha ibhalansi yakho ye-akhawunti ye-IRA ka-31 ka-December ka-31 ka-Disemba, jonga iminyaka yobudala kwitafile efanelekileyo, kwaye uhlule ibhalansi yakho yebhanki ngolu hlobo (ixesha lokusasaza eliseleyo) ngokusekelwe kwiminyaka yakho.
Umzekelo: UBob wayephethe i-$ 100,000 kwi-IRA yakhe ngoDisemba 31 kunyaka ongaphambili. UBob uneminyaka engama-70 kwaye unquma ukuthabatha okokuqala ngunyaka apho uphendukela khona kuma-70 ½.
- I $ 100,000 / 27.4 = $ 3,649.63
Lo ngumlinganiselo uBob kufuneka ahoxise unyaka wekhalenda apho aphendulela khona i-70 ½.
Zama i- calculator ye-RMD ekwi-intanethi ukuqikelela ubuncinane bokusasazwa kwexesha elikhoyo okanye elizayo.
Intoni? Isohlwayo sokungathathi ulwabiwo oluncinane olufunekayo!
Isihlomelo sokungathathi isabelo esincinci esilindelekileyo yerhafu ye-50% kuyo nayiphi na imali engazange ihoxiswe ngexesha.
Ukufumana iinkcukacha ezongezelelweyo kwizabelo ezincinci ezifunekayo zibone:
I-IRS yokuHlaliswa koMhlala-phantsi kweeNkcazo ngokuphathelele kwiSabelo esiphantsi
Iminyaka eyi-20 yokuqala yoLwahlulo oluNcinane lokuPasa
| Iiminyaka ezimashumi mabini ezelwe Itheyibhile yokuLawulwa kweNcinci efunekayo (Ubomi obufanayo) | ||
| Ubudala | Ixesha lokuPasa | |
| 70 | 27.4 | |
| 71 | 26.5 | |
| 72 | 25.6 | |
| 73 | 24.7 | |
| 74 | 23.8 | |
| 75 | 22.9 | |
| 76 | 22.0 | |
| 77 | 21.2 | |
| 78 | 20.3 | |
| 79 | 19.5 | |
| 80 | 18.7 | |
| 81 | 17.9 | |
| 82 | 17.1 | |
| 83 | 16.3 | |
| 84 | 15.5 | |
| 85 | 14.8 | |
| 86 | 14.1 | |
| 87 | 13.4 | |
| 88 | 12.7 | |
| 89 | 12.0 | |
| 90 | 11.4 | |