Abaninzi eMelika bane-IRA enokuthiwa yi-akhawunti efanelekileyo. Iingxelo ezifanelekileyo ziyabonwa nguRhulumente njengemoto yokuthatha umhlalaphantsi kwaye ikuvumela ukuba ulandele iirhafu zokuhlawula imali kwi-akhawunti ekupheleni kwexesha eli-70 ½ ubudala. Ngaloo xesha, urhulumente wethu othandekayo uyakubethelela ehlombe ukuze akukhumbule ukuba ngoku lixesha lokuqalisa ukuhlawula irhafu kuloo mali, nokuba uyayithanda okanye awuyi.
Oku kunyanzeliswa kwe-IRA ibizwa ngokuba nguNgcaciso oluncinane olufunekayo kwaye ubizwa ngokuba yi-RMD yakho. Kukho isicwangciso esivunyiweyo se-IRS omele uqaphele ngokubizwa ngokuthi "Ukuchonga i-IRA yakho", okanye iqhinga elithi "Stretch IRA".
Unako ukuqhubeka ne-RMD kwi-Beneficiaries yakho
Kukho abantu abaninzi abanelungelo lokufumana kuphela ii-RMD kwi-IRA yabo njengengeniso kwimhlala-phantsi. Esi sicwangciso sisoloko sisishiya ilifa, kwaye sidlulise i-asethi ye-IRA eseleyo kwiindlalifa kunye nabaxhamli bahlu. Ukubamba i-IRA yakho kuba nje ukuba abaxhamli bakho baqhubeke bethatha ii-RMD zakho emva kokuba udlulile. Yindlela echanekileyo kunye neyokusemthethweni yokunciphisa irhafu kunye nokushiya ilifa elihlala lihlala kubathandekayo bakho. Awudingi ukuba ube ne-annuity yokuphumeza isicwangciso se-"I-Strawch IRA", kodwa i-annuities echanekileyo iboleka ngokufanelekileyo ngenxa yokukhuselwa kwayo eyintloko kunye neziqinisekiso zesikontrakthi.
Makhe sithathe i-Look kwi-Common "I-I-Strawch IRA" Umzekelo
Kwimeko yokufunda, ubaba unexabiso elikhulu lamadola kwi-IRA yakhe yendabuko, kwaye umfazi wakhe ubhalwe njengowona mzuzwana oyena mzuzwana we-IRA. Umxhamli-mali oyisigxina (unesibini) yindodana yakhe yedwa, kwaye umxhamli (wesithathu) uncedo ngumzukulu omtsha.
Nantsi indlela esebenza ngayo isicwangciso se "Stretch IRA":
- Utata uphendukela kuma-70 ½ kwaye uqala ukuthatha iNkcazo yokuLungiswa okuNcinane okufunekayo esuka kwi-IRA yakhe, kunye nexabiso lemali le-dollar elifunekayo ngokuyinhloko ngokusekelwe ekulindeni kwakhe kokuphila.
- Emva kweminyaka eyi-10 yokuthatha ii-RMD zayo, uyise uyadlula.
- Ngenxa yokuba umfazi wakhe udwelwe njengomntu oyintloko ozuzayo, uqala ukufumana ii-RMD kwi-IRA yomyeni wakhe, kodwa inani elitsha le-RMD eliye lahlulwa ngoku li sekelwe kwithuba lokuphila kwakhe.
- Umfazi uthatha loo ma-RMD iminyaka eyi-10, kwaye uya kudlula.
- Ngenxa yokuba unyana wabo yedwa ulandelwa njengomntu oncedisayo (wesibini), uqala ukuthabatha i-RMD kwi-IRA kayise, ngenani leminyaka leedola ngokusekelwe kwithuba lakhe lokuphila (kungekhona uyise okanye unina).
- Indodana ithatha i-RMD, ngokusekelwe ekulindeni kwakhe kwimeko yokuphila, kwi-IRA kayise, kwaye emva koko unyana uyadlula emva kweminyaka eyi-10
- Ngenxa yokuba umzukulu ulandelwe njengomntu ophakamileyo (wesithathu) ofumana inzuzo, uqala ukuthabatha i-RMD kwi-IRA yomkhulu wakhe, kunye nemfuno yonyaka esekelwe kwithuba lakhe lokuphila.
Ngaloo ndlela i-Stretch IRA isebenza ukubonelela ngeniso kumalungu entsapho amaninzi kwizizukulwana ezilandelelanayo.
Kukho nakwiSicwangciso esiPhambili se-IRA
Ukuba uyise wenza umzukulu wakhe ungumzuzi-mali oyintloko; Oku kubizwa ngokuba yi "Super Stretch" i-IRA ngenxa yokungafani kweminyaka phakathi koomkhulu nomzukulu.
Kukho iindlela ezininzi zokwelula i-IRA, ngoko ke unqume ukuba ngubani oza kubhala njengabaxhamli kwi-IRA yakho, kwaye ukhethe ukuba ngubani oza kuqala, ophetheyo okanye ophakamileyo emfundo uya kuba nenjongo eqikelelweyo.
Kwakhona, khumbula ukuba kubalulekile ukuqonda ukuba akudingeki ukuba ube ne-annuity yokuphumeza isicwangciso se-"I-Strawch IRA", kodwa i-annuities echanekileyo ifanelekileyo isicwangciso socwangciso lwe-IRA ngokufanelekileyo ngenxa yokukhuselwa kwazo eziphambili kunye neziqinisekiso zekhontrakthi . Kukho nezinye iincwadana ezimbalwa zokuhlawula i-RMD . Kancinane, kufuneka uqaphele isicwangciso se-IRA Stretch. Ukuba okwangoku usebenza nomcebisi, kwaye le yithuba lokuqala oye wakuva malunga nesicwangciso okanye uqonde indlela esisebenza ngayo, ngoko kusenokuba yithuba lokufumana umcebisi omtsha.