Izinketho Ukuba Ukhohliwe Ukumangalela I-IRA yakho yokukhutshwa
Kuthekani kuthi xa ulahla ithawula kulo nyaka kwaye unqume ukuba umntu asebenze nalo?
Ulibale ipeni kunye nephepha okanye ngezinye iifayile zerhafu yokudideka. Uya kuguqula yonke ingcali yerhafu kunoko. Emva koko irhwepheli yerhafu ibhekisele kwiikopi zentlawulo yakho yerhafu kwiminyaka edlulileyo kwaye ichaza ukuba awuzange uthathe iithathelo zemivuzo yonyaka oyenzayo kwi- akhawunti yakho ye- IRA yemveli .
Ngaba ithuba lihambe ngonaphakade? Inombolo. Unokwenza izinto ezimbalwa ukulungisa imeko ngokuxhomekeka kwindlela ofuna ukuba imali yakho yomhlalaphantsi ihlawulwe ngayo.
I-Deductible vs. Iminikelo engeyiyo eDeductible
Unokukhetha ezimbini xa kuziwa kwi-akhawunti yomhlala phantsi okanye i-IRAs. Unokwenza uxhaso lwerhafu, into ebininzi abantu abayifumanayo-bathi banqunyulwa ngexesha lokuhlawula imali abafaka kuyo. Le mivuzo inciphisa ingeniso yakho yerhafu ngonyaka owenzayo, emva koko ikhula irhafu echazwe kude umhlalaphantsi.
Xa uqala ukurhoxisa imali kwi-IRA yakho, ukurhoxiswa kubandakanywe kwingeniso yakho engenayo ngenxa yokuba abazange bahlawuliswe ngethuba lokuqala-bawabamba loo mahlomelo.
Abantu abalindele ukuba babe kwi- bracket ephantsi yentlawulo ngexesha lokuthatha umhlala-phantsi kufuneka ukuba benze igalelo le-IRA.
Unokwenza kwakhona uncedo olungenakudalulwa kwi-IRA yesintu. Le mivuzo ayinciphisi umvuzo wakho ngenjongo yerhafu, kodwa iyakhula ihlawulwe irhafu kuze kube yilapho uqala ukuhlala umhlalaphantsi kwaye xa uqala ukurhoxisa imali, iminikelo engenakuncitshiswa iya kubuya kuwe.
I-Roth IRAs kunye nee-IRAs ezingezangeziDeductible
Abantu abaninzi banqwenela ukufaka isandla kwiRoth IRA kunokuba benze igalelo elingenakudalulwa kwi-IRA yendabuko. Iminikelo ayifumanekanga irhafu kunye neRoth IRA, nokuba, kwaye iyakhula ikhefu ngaphandle kokuba ushiye umhlalaphantsi. Xa uqala ukurhoxisa imali kwi-Roth IRA, ukuxothwa kwekhefu kukhululekile-ngaphandle kwenzalo kunye nokukhula-xa unokuhlangabezana nazo zonke iimfuno.
Abantu ngokubanzi banqwenela ukwenza umrhumo weRoth IRA ukuba balindele ukuba babe malunga neelaksi yerhafu efanayo okanye i-bracket ephezulu xa bethatha umhlalaphantsi.
Isigqibo Okufuneka Uyenze Ngoku
Ukuba ukhohliwe ukufunwa kwee-deductions zakho ze-IRA kwiminyaka edlulileyo, into yokuqala kufuneka uyenze isigqibo sokuba ufuna ukuba i-IRA ihlawulwe njani. Ngaba ufuna ukuthatha irhafu yentlawulo ngoku, ufumane imali eyongezelelweyo yokubuyiselwa kwentlawulo, kwaye unayo le ntlawulo ehlawulwa kamva xa uhlala phantsi? Okanye ngaba uya kuyilibala ngokuncitshiswa kweerhafu ngoku kwaye ungayifumani imali yerhafu kamva?
Ingcali yakho yerhafu ingakunceda ukuba ubone ukuba yiyiphi indlela efanelekileyo kwiimeko zakho zobuqu, kwaye uya kufuna ukubonisana neengcali ukuze uqinisekise ukuba uyaziqonda ngokupheleleyo zonke iziphumo ozikhethile.
Kuthiwani Ukuba Awunanto?
Ukuba awuyi kuthatha isigqibo, i-IRS iya kuphatha imirhumo yakho ngokungathi ichithwe.
Xa uhoxisa imali ngokuthatha umhlalaphantsi, imali iya kuhlawuliswa okwesibini. Uya kugqiba ukuhlawula irhafu kabini kwinzuzo efanayo. Ndiqinisekile ukuba awufuni oko, ngoko nantsi into enokuyenza ngokunyathela ngesinyathelo:
- Ukuba ufuna ukuhluthwa kwentlawulo ngoku: Ifayile ifakwe ukubuyiswa kweerhafu kwanoma yiyiphi imbuyekezo yentela evulekileyo phantsi kommiselo we-IRS wokusilela, oqhelekileyo kwiminyaka emithathu edlulileyo. Ibango lokuncithwa kwentlawulo yegalelo ye-IRA kwimbuyekezo yakho ehlaziywayo. Mhlawumbi uya kufumana imali ehlawulwa yerhafu nganye kule minyaka. Fayile iifayile zakho ezilungisiweyo ngokutsha komhla ofunekayo werhafu okanye umbuyiselo wakho uza kudlula ummiselo wemida kwaye i-IRS ayiyi kuthumela isheke.
- Ukuba ufuna ukurhoxiswa kweerhafu-ntlawulo: Ifayile ye-IRS Ifomu 8606 ukuvakalisa loo mrhumo ye-IRA njengengenakudalulwa. Uya kufuneka ufake ifom ye-Form 8606 ngonyaka ngamnye owawunikela ngemali kwi-IRA yakho yendabuko kodwa ukhohlwa ukuthatha inqununu. Emva koko fundisa umthengisi wakho wokutshala imali ukuguqula i-IRA yakho yemveli kwiRoth IRA. Ukuguqulwa kungahlawuliswa ngokukodwa okanye kuhlawulwe ngokupheleleyo ngaphandle kwentlawulo ngokuxhomekeka kobuninzi bakho bokutshala imali.
- Ukuba wenza iminikelo engaphezu kweminyaka emithathu edlulileyo: landela inkqubo efanayo yokufaka Ifomu 8606 ngonyaka ngamnye. Awukwazi ukufumana imali eyongezelelweyo evela kwi-IRS yokubuyisela irhafu eneminyaka engaphezu kweminyaka emithathu ukuze ungayi kuzuza inzuzo yerhafu ngokufaka isicelo sokubanjiswa kwemali ye-IRA kweli nqanaba. Fayile nje ifom yeFom 8606 ukuseka ukuba le mrhumo ayinakudalulwa, ngoko ukhululekile ukuguqula imali kwiRoth IRA.
Ifayile yeFiling 8606 Iza kuphakamisa iiflegi ezibomvu nge-IRS?
Nantsi into uJese Weller, umkhulumeli we-IRS, kufuneka athi ngako:
Nangona iFomu ye-8606 idla ngokungeniswa ngeFom ye-1040, i-IRS iya kuqhuba ifom ye-8606 ifom ye-late-filed, nayo enye ifakwe emva kokuba imimiselo emithathu yemingcele yemingcele yokubuyiselwa kwembuyekezo iphelelwe yisikhathi. ingeniswa ngaphandle kweFomu 1040 okanye ifom ye-1040X (ukubuyiswa okutshintshiwe) ukuba ezo fomu azifunwa ngenye indlela. Ukuba ifom ifakwe yedwa, kufuneka isayinwe kwiphepha le-2 ngaphantsi kwe-jurat (isibhengezo esibhaliweyo sokuqinisekisa ukuba ukubuya , isibhengezo, isitatimende okanye omnye uxwebhu lwenziwe phantsi kwezigwebo ze-perjury).
Oku kuya kubafanelekile kubahlawuli berhafu abaye benza igalelo lendabuko ye-IRA. Ukufakela ifom kubeka isiseko sakho kwi-IRA, kwaye kuya kunceda ukuba ubungqina bokuba irhafu yengeniso ayifanele ihlawulwe kuloo galelo xa kuhanjiswa ukwabiwa. Ngaphantsi, abakhokhi berhafu abahluleka ukufaka ifom kufuneka balindele ukufumana uphando nge-IRS ukucela ukucacisa nokuqinisekisa igalelo elingenakudalulwa. Ukuphepha ukuphanda okunjalo-okanye ukuphicothwa-kuyisizathu esihle sokufaka ifom.
Ngaphantsi
Kungenzeka ukuba uhlawulwe i-penalty ye-$ 50 phantsi kwemiqathango ye-Internal Revenue Code section 6693 (b) (2) ngokungaphumeleli ifom yeFomu 8606 ngaphandle kokuba ukuhluleka kungenxa yeso sizathu. Esi esinye isizathu esihle sokuba ufake ifom.
Emva kokuba ufake ifom ye-8606 ukuqinisekisa ukuba imirhumo oyenzile yayingenakudalulwa, ungaguqulela imali yakho kwiRoth IRA engenakho irhafu. Imbuyekezo efunyenwe kwiminyaka emithathu edlulileyo, unokukhetha ukuba uthathe intsalela kwaye ufumane imali yokubuyisela imali, okanye uvakalise igalelo njengoko kungenakudalulwa.
QAPHELA: Imithetho yerhafu iyashintsha rhoqo kwaye ingcaciso engentla ingabonakali utshintsho olutshanje. Nceda uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengeengcebiso zerhafu, kwaye ayikho enye ingcebiso yerhafu.