Indlela Ubomi bakho Ubulindele ngayo Ukusabalala okufutshane okufunekayo (RMDs)
Ezi mfuno zibhekiselwe kuye njengoko kubelwe ubuncinane bokusabalalisa , okanye imigaqo ye-RMD.
Umhla wokuQala ofunekayo we-RMD
Ukuqala ngomhla we-1 ku-Ephreli wonyaka olandelayo kunyaka ufikelela kuma-70½, unyanzelekile ngumthetho ukuba uqale ukusasazwa kwakho okufutshane okufunekayo (RMD) kwi- 401 (k) yakho , i- IRA yendabuko , okanye esinye isicwangciso somhlala-phantsi esifanelekileyo ngonyaka. Le mali encinane ibalwa ngokusekelwe kwibhalansi yokuqala yama-akhawunti akho afanelekileyo ahlanganisiweyo njengokuba uqale konyaka werhafu ulwahlulo lobomi bakho.
Imithetho Eyona Ncinane Yokusabalalisa
Imigaqo efunekayo yokusabalalisa (RMD) ikhona ngenxa yeentlawulo zerhafu ezibonelelwa ngamalungiselelo omhlalaphantsi afanelekileyo. Ezi zicwangciso ezifanelekileyo ezifana ne-401 (k) izicwangciso, ii-IRAs zendabuko kunye ne-SEP IRAs zonke zinikezela ukuncitshiswa kweerhafu kwiminikelo eyenza (ukuya kumda) kwakunye nokukhula kweerhafu ekunikeni umvuzo. Ezi khuthazo kunye neenzuzo azikhuthazi nje abantu ukuba basindise umhlala-phantsi namhlanje, kodwa banokwandisa ngokukhawuleza ukukhula ngokubanzi kwiimpahla zokuthatha umhlala-phantsi ngomso.
Kodwa, ekugqibeleni, i-IRS iya kufuna isabelo sayo sala ma-dollar.
Yilapho imigaqo ye-RMD ifika khona. Ii-RMD ziqinisekise ukuba i-IRS iya kugqitywa ukuba ihlawule ixabiso kwi-akhawunti yakho yomhlalaphantsi ngokufuna ukuba uthathe isabelo esiza kudibaniswa kwingeniso yakho yerhafu yonyaka. Kwabaninzi abahlala phantsi, imigaqo ye-RMD ayinayo impembelelo ekhethekileyo malunga nokuba imali yabo yomhlalaphantsi isetyenziselwa njani, njengoko amaninzi asebathathe umhlala-phantsi aqala ukwenza ukurhoxiswa kwiakhawunti zabo njengendlela yokufumana umhlala-phantsi ngaphambi kwe-70½ yobudala.
Kodwa ukuqinisekisa ukuba awuyi kuba mngcipheko werhafu ye-50% yentlawulo yesigwebo ehlolwe ukuba i-RMD ayithathiwe ngexesha, uya kufuneka ukwazi i-RMD yakho.
Izabelo ezincinane ezifunekayo zibalwa
Ubunikazi obuncinane obufunekayo obuncinane (RMD) bubalwa ngokusekelwe kwibhalansi yokuqala yazo zonke iiferensi zakho zokuthatha umhlala-phantsi ezifanelekileyo kunye kunye nokulindela ubomi. Nangona baninzi abacwangcisi banokuthi banikeze i-RMD yakho ebalwe kuwe, akufuneki ukuba, ngoko kukulungele ukuba unako ukuzibala.
Ukubala i-RMD yakho kunyaka othile, uya kuthatha iibhalansi ze-akhawunti yakho yonke i-akhawunti yakho yomhlalaphantsi (401 (k), i-IRA yendabuko, i-SEP IRA, i-SIMPLE IRA, njl.) Ngo-Disemba 31 kunyaka odlulileyo kwaye uyongeza kunye. Emva koko, uya kwahlula ulwahlula ngokubaluleka kwexesha lakho lokuphila. Unokufumana njani ixesha lokuphila kwakho? Kufuneka uqhagamshelane ne-IRS yexesha eliQhathanisiweyo lokuPhila.
Makhe sicinge ukuba umntu omnye uguqule i-70 1/2 ngo-2018 kwaye ube ne-IRA ibhalansi yemali engama-274,000 ngosuku ngomhla wokugqibela ka-2018. Njengomntu oyedwa, lo mntu uya kusebenzisa umbandela wokuhambisa ofumaneka kwi-IRS Publication 590. I-distribution factor iya kuba ngu-27.4 becinga ukuba baya kuba nama-70 ngomhla wokugqibela ka-2018.
Ngako-ke, i-RMM 2018 i-$ 10,000 (i-$ 274,000 / 27.4), kwaye iza kuba ne-Apreli 1 ukusabalalisa ubuncinane loo mali. Unokubala inani le-RMD yakho ngokusebenzisa ama-worksheet ama-RMD atholakala kwiwebhusayithi ye-IRS.
IRA iyimfuneko yoLwazi lokuSetyenziswa kweeNgcaciso
I-Roth IRAs AKAZI zihambelana neMimiselo ye-RMD
Nangona imigaqo ye-IRS idinga ukuba uthathe ama-RMD ukusuka kwiRoth 401 (k), ii-Roth IRAs zakho azikho phantsi kweemfuno ezincinane ezifunekayo. I-Roth IRAs eyabelwe iinqununu zineemfuneko zokusasaza ubuncinci.
I-IRS Iifayile zokuLingana koBomi obufanayo
Ukuze ufumane isigxina sexesha lokuphila, i-IRS yenze iLuhlu lokuLindela loLimo olufanayo . Ngaphandle kokuba umlingane wakho ungumxhamli oyedwa kwaye uneminyaka engama-10 emncinci kunani, le yitheyibhile yokusebenzisa Le nto yathi, ukuba lakho iqabane lilishumi elishumi okanye ngaphezulu kuncinci, sebenzisa iitheyibhile ezihlangeneyo kunye nabasinda.
| Itheyibhile yoBomi obufanayo | |
|---|---|
| Iminyaka yakho | Ukulindela Ubomi bakho |
| 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 |
| 91 | 10.8 |
| 92 | 10.2 |
| 93 | 9.6 |
| 94 | 9.1 |
| 95 | 9.6 |