Yintoni enokuyenza ngeCash evela kwi-401 (k) okanye i-IRA Rollover
Xa usenza isigqibo sokudlulisa isicwangciso somhlala-phantsi esifanelekileyo, ukuthatha isamba semali ngokuqhelekileyo kubakho ubuncinane bokukhetha ezintathu, kubandakanywa i-rollover, ukusabalalisa ngokwengxenye okanye ukugcina inzuzo kwi-akhawunti yangoku ngokukhawuleza okanye nje ngokuba icebo okanye umgcini we-akhawunti uvumela .
Uluhlu lokuSasazwa kweSahlulo Inkcazo
Ngokuqhelekileyo, xa kuziwa ekuhanjisweni apho kukho imiphumo yerhafu, kungaba lula ukufunda inkcazo kunye nokulawula ngqo kwiwebhusayithi yangaphakathi yeNgeniso yeNkonzo, i-IRS.gov. Nantsi ingcaciso ye-IRS yokusabalalisa i-sum-sum:
Ukusasazwa kwe-sum-sum is distribution okanye ntlawulo, ngunyaka werhafu omnye, we-balance balance participant kuyo yonke ipension yomqeshi ofanelekileyo, ukwabelana ngenzuzo, okanye izicwangciso zebhonasi. Zonke iincwadana ezithatha inxaxheba phantsi kwempesheni efanelekileyo yomqeshi, ukwabelana ngenzuzo, okanye izicwangciso zebhonasi zamashishini kufuneka zihanjiswe ukuze zibe yintlawulo yesabelo-mali.
Ikhefu lokuSasaza kweSahlulo seSomfa: Yintoni ongayenza (kwaye awuyi kwenza) ngeCash yakho
Ngendlela elula isamba semali singabonakaliswa ngokuthi "ukuphuma ngaphandle" kwe-401 (k) icebo. Abantu ngabanye bajongene nesigqibo sokuba benzani naloo ntlawulo-nokuba yiyifake ngefom yekheshi (tshekisha ihlawulwe kuwe, umntu) okanye uyithathe ngendlela ye-rollover (jonga kubhalwa kwi-IRA yakho entsha yomgcini egameni lakho).
Indlela efanelekileyo yokuyibeka esi sigqibo kukuqala malunga noko ungayenziyo ngemali yakho yokuthatha umhlala-phantsi oyigcine.
Ukuba unako ukuwuphepha, awufuni ukufumana ukusasazwa kwakho kwifom yekheshi (tshekisha ihlawulwe kuwe). Ngokuqinisekileyo, isigqibo sento oyenzayo ngemali yakho yikho kodwa xa ufumana isamba semali, uthetha ukuba ulahlekelwe yonyango olulungileyo lokunyusa umhlalaphantsi.
Ngamazwi ahlukeneyo, ukusasazwa kuhlawulwa . Oku kungenxa yokuba i-401 (k) iminikelo, kwiimeko ezininzi, inqunywe kwii-paychecks kwi-pre-tax tax basis - ayizange ihlawulwe. Umzekelo, ukuba i-401 (k) ibhalansi i-$ 10,000 (ngokucinga ukuba ufumene i-100% ukuthenga okanye ubunikazi bentlawulo yakho), kwaye unquma "ukukhipha imali" kwaye uthathe isheke ehlawulwa kuwe, isixa osifumanayo siya kakhulu ngaphantsi kwama-R10 000 emva kwentlawulo.
Kwiimeko ezininzi, i-20% yokunikezwa kwemali iya kugcinwa kwiintlawulo zentlawulo, ezikushiye i-check 8,000. Ngokuxhomekeke kwibharksi yakho yentela, unako ukuhlawulwa ngaphezulu kweerhafu ngaphaya kwelo! Ngokomzekelo, ukuba uneminyaka engama-25% yerhafu ye-taxeral, iirhafu zeseburhulumenteni zakho ziza kuba yi-$ 2,500 (i-25% ye-$ 10,000). Uya kufumana i-check ye $ 8,000 kodwa uza kuhlawulwa uMalume Sam $ 500.
Into engcono kakhulu ongayenza nge-401 yakho (k) kukukhetha inketho ye-IRA rollover. Oku kusenokuba yi-technically ibe yintlawulo yemali, kodwa endaweni yokufumana itekethi ehlawulwa kuwe, uya kufumana isheke ehlawulwayo kwi-IRA yakho yomgcini. Umzekelo, ukuba uvula i-IRA kunye ne- Vanguard Investments . Xa usuphelile umsebenzi kunye nomqeshi wakho, kwaye ufumana i-401 (k) yokukhetha okukhethiweyo, uya kukhetha inketho ethi "Yenza i-Rollover kwi-IRA" kwaye isheke iya kubhalwa kwi-Vanguard Investments (kungabi kuwe).
Ukuba kwenziwe ngokuchanekileyo isheke liza kuthiwa i-FBO [igama lakho]. I-FBO ithetha "ukufumana inzuzo." Xa uhlolisiso lwenkokhelo lwenziwe luhlawulwa kumgcini-mgcini (Vanguard kulo mzekelo), awufumani ngemali ngemali, ekubhekiselelweni kwemali yerhafu ithetha ukuba awufumani imali, kwaye awuhlawuli irhafu kwi-distribution.
Eyona ndlela efanelekileyo yokuTyala iMali yeCash
Xa isheke sakho sokusasaza i-rollover sifika kwi-IRA yomgcini-mgcini, ngoku unayo imali kwi-IRA yakho efuna ukutyalomali. Unokukhethwa ezimbini ezibalulekileyo: 1) Yitye yonke loo nto okanye 2) Yigcine imali ngokunyuka kwexesha elithile. Ukuba ufuna ukutyalomali konke kanye, ufuna ukunyamekela ukusahlukana (ukusasaza ingozi kwiintlobo ezahlukeneyo zotyalo-mali) nokwakha iipotifoliyo zeemali .
Ukuba ufuna ukunciphisa umngcipheko wemarike , unokwenza umyinge weendleko zedola kwimali ekhethiweyo yakho ngokutyalomali imali ehleliweyo yeedola ngenyanga malunga nexesha elithile, njengeenyanga ezili-12.
Ngale ndlela, ukuba imarike iyashintsha kakhulu, uya kuthenga ezinye izabelo kumaxabiso aphezulu kunye nezinye izabelo ngamanani aphantsi. I-DCA ingakumbi isebenza kakuhle xa amaxabiso aphezulu kwaye alindeleke ukuba awe. Nangona kunjalo, akusibulumko ukuba abatshali-mali abaninzi bazame ukuthenga ixesha lokuthengisa .
Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.