Fumana Ngubani olingenelayo ukuthatha i-Penalty-Free 401k okanye i-IRA Ukurhoxiswa
Ukuba unayo i- akhawunti yomhlala phantsi (IRA), 401 (k) isicwangciso okanye esinye isicwangciso somhlala-phantsi esifanelekileyo, mhlawumbi uyazi malunga nezohlwayo ezenzekayo xa uhoxisa imali yakho (ekwaziwa nangokuthatha ukusasazwa kwangaphambili) ngaphambi kokufikelela kwiminyaka yobudala 59 / 2. Thatha imali kusasa kwaye uza kuhlawula intlawulo ye-10% kunye nawo onke ama-federal, irhafu kunye neengingqi zerhafu. I-IRS yenza oku kuphazamise abantu ukuba basebenzise imali yokugcina umhlalaphantsi kunoma yini ngaphandle kokuthatha umhlalaphantsi, kodwa kukho ezinye iimeko apho isohlwayo se-10% sichithwa ngabanye okanye kwizibini ezifanelekileyo.
Qonda ukuba zeziphi iimpazamo ze-IRA eziye zazisola ukuba zilungele enye.
Ukufa : Uxolo, andizange ndithethe ukuqala izinto kwi-note marker. Kodwa kuyinyaniso ukuba ukuba udlula ngaphambi kokuhlala umhlalaphantsi, umrhumo kubaxhamli bakho kwi-akhawunti yakho yomhlalaphantsi awukho phantsi kwe-10% yentlawulo yezohlwayo.
Ukukhubazeka okusisigxina : Ukuba ukhubazekile kwaye awukwazi ukusebenza, unokufikelela kwizabelo zakho ze-IRA kwangaphambili ngaphandle kokuhlawula isohlwayo se-10%. Uya kufuna ububungqina obuvela kugqirha obonisa ukuba ungumzimba okanye ngengqondo akakwazi ukufumana umsebenzi ozuzayo.
Iindleko zonyango ezigqithisileyo : Ukuba uhlawula ngaphezulu kwe-10% yemali engenayo ehlaziyiweyo yeendleko zonyango, unokukwazi ukufikelela kwi-IRA yakho ngaphandle kwesihlwayo. Khumbula nje ukugcina iirisithi zakho. Ngokufanayo, ukuba ulahlekelwa ngumsebenzi kwaye ungabikho kwemisebenzi yengqesho ngaphandle kwe-inshurensi yezempilo kwiiveki ezili-12 ezilandelelanayo, ungasebenzisa ukusabalalisa ukuhlawula i-inshorensi yempilo ngaphandle kwehlwayo.
Imali yezemfundo : Ukuba usebenzisa iirejista zakho ukuhlawula iindleko zemfundo (kubandakanya indawo, ibhodi, iincwadi, njl) njengawe, iqabane, abantwana okanye abazukulu, ukunikezelwa akuyikho phantsi kwesigwebo se-10%.
Ukuthenga indlu yokuqala : Ungasebenzisa ufike kwi-$ 10,000 ukusuka kwi-IRA ngomntu ngaphandle kwesihlomelo ukuthenga ikhaya lakho lokuqala.
Umele uchithe imali phakathi kweentsuku eziyi-120 zesicwangciso sokusabalalisa okanye mhlawumbi kufuneka ubeke imali yakho kwisicwangciso sakho sokuphepha isigwebo.
Iintlawulo zentlawulo : Unako ukukhetha ukuba unyaka wokuhlawula uluhlu lwemihla ngemihla. Kuyinkimbinkimbi, kwaye kufuneka ufumane ngokufanelekileyo ukulungele ukukhululwa. Ngoko uthetha kumlawuli wecebo okanye umgcini-mali weakhawunti ngaphambi kokuba ukhethe olu khetho.
Iimali ze-IRS : Ngomdla ngokwaneleyo, ukuba unemali yentlawulo ye-IRS, unako ukufikelela kwiimali ze-IRA ezingenasohlwayo. Hayi, ubuncinane ukhetho.
Ukusabalalisa amaMasta aseMpi : Abantu ababizelwa kwimisebenzi yempi kwiintsuku ezingama-120 emva koSeptemba 11, 2001 bafumana ukukhululwa okukhethekileyo kwi-IRA kwangaphambili.
I-Rollover : Kakade, ukuba u-rollover i-IRA okanye i-401 (k) kwisinye isicwangciso somhlala-phantsi esifanelekileyo, asiyiyo isiganeko esicatshulwayo kwaye akukho nhlawulo eyongezelelweyo. Kodwa kufuneka wenze igalelo kwi-IRA rollover kwiintsuku ezingama-60 zokufumana ukusasazwa.
Izicwangciso zokuthatha umhlala-phantsi ezifanelekileyo ngaphandle kwe-IRAs, kukho ezinye izixokelelo ezongezelelweyo:
Ukushiya umsebenzi kwiminyaka yobudala engama-55 okanye ngaphezulu : Ukusabalalisa kumqeshi wakho xa ushiya umsebenzi xa kwenzeka emva okanye emva konyaka uvula ama-55. Ukuba ungumsebenzi wokhuseleko loluntu kurhulumente okanye urhulumente wengingqi, oku kwenzeka ngexesha okanye emva konyaka uneminyaka engama-50 ubudala.
Ukwahlukana : Izabelo ezenziwa nge-QDRO okanye i-Order Dualtic Relations Act, esetyenziselwa ukwahlula iifa lempahla yomhlala phantsi kwisiqhawulo somtshato.
I-ESOPs : Ukunikezelwa kweegalelo kwiiNkqubo zoLimo lwaBanikazi beShishini .
Nyathelo
Thola iingcebiso zobuchwepheshe. Ukuba uqwalasela ukurhoxiswa kwe-IRA kwimiqathango ekhankanywe apha ngasentla, qhagamshelana nomcwangcisi we-plan okanye ufune iingcebiso zeengcali kumcebisi wezezimali okanye umcebisi weerhafu ngaphambi kokuba wenze nayiphi na indlela. Ufuna ukulandela yonke imimiselo esebenzayo ukukhusela isohlwayo se-10%.
Hlola ezinye izibonelelo zemali. Ukuba awufaneleki naziphi na ezi zinto zikhankanyiwe ngasentla kwiimpawu zokurhoxisa kufuneka ufune ezinye iimithombo zamatyala akho ezimali. Unokuphinda uhlole nokuba imali yokugcina imali okanye ukusebenzisa i-credit isinqumo esilungileyo esingapheli ukuba sibe nexabiso elingaphantsi kune-akhawunti yomhlala-phantsi.
Cinga ukukhupha irhafu kwi-retraction. Gwema ukuthatha nayiphi na amathuba okubanjiswa nesohlwayo sokuhlawulwa ngaphantsi okanye kufuneka wenze iintlawulo zerhafu ezingaphezulu xa ufaka irhafu yakho.
Ukuba unomdla wokufunda okungakumbi malunga ne-IRA kunye no-401 (k) imithetho yokuhoxiswa ungayifumana indlela yokuthatha imali ngaphandle kwezi akhawunti ngaphambi, ngexesha, nangemva kokuthatha umhlalaphantsi usebenzisa le khokhelo eluncedo: Imigaqo yokurhoxisa ye-401 (k) izicwangciso kunye nee-IRA
Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.