Ukusasazwa okuninzi kuhlawuliswa kodwa ezinye azikho
Iintlobo ze-IRAS
I-IRA yendabuko yilapho abantu abaninzi becinga xa beva ixesha.
Kwiimeko ezininzi kwaye kuxhomekeke kwimingcele ethile, unelungelo lokuncitshiswa kweerhafu ngeminikelo oyenzayo kwisicwangciso se-IRA.
Awunakufaka isicelo sokubanjiswa kweerhafu malunga negalelo ozenzayo kwisicwangciso seRoth IRA, kodwa akufanele uhlawule irhafu kunoma yimuphi umrhumo oyithatha emva kweminyaka yobudala. Ukusabalalisa kwi-IRA yendabuko ngokuqhelekileyo kuthathwa njengengeniso ehlawulwayo ngenxa yezohluthwa zerhafu ozithathileyo.
I-IRA e-SIMPLE-isichazizwi seNkqubo yokuThuthukiswa kweNkxaso yabasebenzi-inikwe ngumqeshi. Ivumela abasebenzi ukuba benze umrhumo wangaphambili werhafu kwiirhafu zabo. Ukuba uhlawulelwa i-$ 1,000 ngeveki kwaye unika i-$ 25 kwi-IRA yakho ye-SIMPLE, uza kuhlawula irhafu kwi-$ 975 kuba loo mali i-25 iyancitshiswa phambi kokuba irhafu ibalwe kwibhalansi. Kodwa ezi ntlawulo ziyahlawulwa kwaye xa uthatha umhlalaphantsi kwaye uthabathe imali.
"I-SEP" i-IRA imele iPenshini ye-Employee Pension kwaye lolu hlobo lwesicwangciso lufumaneka kubantu abaqeshwe ngabanye.
Iisiseko ngeIRAs
Eminye imithetho ejwayelekile isebenza kuzo zonke ii-IRAs. Imali oyifumayo kwi-akhawunti ibizwa ngokuba usasazo, kwaye izabelo zifakwe kwi-tax return yakho njengeniso engenayo ehlawulwayo kwiimeko ezininzi. Baphathwa njengemali engenayo eqhelekileyo, ehlawulwa irhafu kwizinga lakho lentela. Ngokubanzi, izabelo ezisuka kwi-IRA yendabuko zihlawulwa ngunyaka ozifumanayo.
Unokubetha nge-10% yentlawulo yeerhafu xa usasaza ngaphambi kokuba uneminyaka engama-59 / 1/2. Icala le-flip leli kukuba kufuneka uqale ukuthabatheka emva kweminyaka engama-70 1/2.
Kodwa kuthekani ukuba uhambisa imali kwi-IRA enye kwenye? Oku kwaziwa ngokuba yi "rollover," kungekhona ukusasazwa.
Ulawulo lweNyanga-ye-IRA Rollovers
Unokwenza i-rollover eyodwa kuphela kwi-IRA kwenye i-akhawunti ye-IRA kwithuba lonyaka omnye, kungakhathaliseki ukuba uninzi lweIRAs. Kodwa unokwenza i-trustee yokudluliselwa kwi-IRAs, okanye ukudluliselwa kwi-plan administrator ukucwangcisa umlawuli, kuba olu hlobo lokudluliswa alubheki njengento yokukhangela.
I-rollover iyenzeka xa ubandakanyeka njengomntu ophakathi, ngokufanelekileyo uthatha ifa lemali ngaphambi kokuba uyithumele kwelinye i-akhawunti, kwithuba elifutshane. Xa imali ihamba ngqo ukusuka kwelinye isiko ukuya kwelinye, okanye enye i-akhawunti enye ngaphandle kokubandakanyeka kwakho, akukho ntlawulo efunekayo.
Eminye imida kuMgaqo
Akukho mda kwinqanaba le-rollovers ongayenza kwi-IRA yendabuko ukuya kwi-Roth IRA. Olu tshintshelo luyaziwa ngokuba nguqulelo.
Ezinye iintlobo zonikezelo ezivela kwizicwangciso ezixhamliweyo ezihlawulwa kubaqeshwa beenqwelo-moya zingafakwa kwii-IAR zemveli ngaphandle kwemiphumo yerhafu.
Kwaye ukuba uthatha inxaxheba kwi-IRA SIMLELE, unako ukufaka imali kwiiplani zomhlalaphantsi, njengama-401 (k) amacebo kunye nee-IRA zemveli, kwi- SIMPLE IRA yakho iminyaka emibini emva kokuqala kokuthatha inxaxheba kwisicwangciso.
Olunye Ulwabiwo olufanelekile kwiNyango yokuKhutshwa kweRhafu
Izabelo zinokukhululwa kwiirhafu kwezinye iimeko kunye-akufuneki ukuba zifakwe kwingeniso yakho ephezulu.
- Leyo ye-rollover evumelekileyo ngonyaka ayihlawulwanga ngaloo nyaka.
- Unokuthatha ukusasazwa emva kweminyaka engama-70 / 1/2 kwaye uyinike inhlangano engabonakaliyo yerhafu, kodwa lo mgaqo awusebenzi kwi-SEP okanye i-SIMPLE IRAs.
- Izabelo ezivela kwiRoth IRAs zihlawulwa irhafu ukuba i-IRA ingenani iminyaka emihlanu ubudala kwaye ufikelele kwiminyaka yobudala engama-59 1/2. Unokuthatha iRoth IRA ukusabalalisa irhafu xa uneminyaka engama-59 / 1/2 ukuba wenza njalo ukuthenga ikhaya lokuqala okanye ngenxa yokukhubazeka.
- Ungathatha ukusasazwa kwaye uyithumele kwiAkhawunti Yokulondoloza Impilo ngexesha elilodwa.