Ukuqonda iMigaqo eSebenzayo xa ukhetha Abaxhamli be-akhawunti yomhlalaphantsi
QAPHELA: Ukumisela imithetho iguqule rhoqo kwaye ulwazi olulandelayo alukwazi ukubonisa utshintsho lwangoku kwimithetho. Ukufumana irhafu yangoku okanye isiluleko sezomthetho, nceda uqhagamshelane nomgcini-akhawunti okanye igqwetha kuba ulwazi olukule nqaku alukho irhafu okanye isiluleko sezomthetho kwaye asinalo indawo yerhafu okanye isiluleko somthetho.
Ukuba unayo nayiphi na impahla yakho egcinwe kwisicwangciso somhlala-phantsi esifanelekileyo , njengesi-401 (k) okanye i-IRA, ngaphambi kokuba uhlaziye uluhlu lwabaxhamli be-beneficiary to compliment the terms of your plan plan , kuya kufuneka uqwalasele ezi zinto zilandelayo.
01 Ngaba i-Revocable Living Trust iqulethe amalungiselelo afanelekileyo?
02 Ngaba i-401 yakho (k) ivumela i-RMD ukuba isetwe?
Qaphela amaninzi ama-401 (k), 403 (b), kunye nezinye iintlobo zezicwangciso zomhlala-phantsi eziqeshwe ngumqeshi zicela ukulawulwa kweminyaka emihlanu kwaye zifuna ukuba zonke iimali ezishiywe kwi-akhawunti xa umqeshwa okanye umqeshwa wangaphambili efa uya kukhutshwa kwiminyaka emihlanu emva kokufa komqeshwa. Kungenxa yokuba abaqeshi abafuni ukuba kwishishini lokulawula i-akhawunti ngenzuzo yabaxhamli bomntu oshonile iminyaka emininzi kwixesha elizayo. Ukuba usenayo impahla egcinwe kwi-401 (k) okanye olunye uhlobo lwesicwangciso somhlala-phantsi oqeqeshiweyo kunye nomntu owayengumqeshi kwaye akhathalelekanga malunga nemicimbi yesikweletu, ngoko ucinga ukugqithisa impahla kwi-IRA. Oku kuya kunika abaxhamli bakho ukulungelelaniswa kokulula ii-RMD ngaphandle kweemfuno zabo zobomi kunokuba baphoqeleke ukuba baxoshe yonke imali kwiminyaka emihlanu.
03 Ngaba ukhathazeke ngokukhusela abaxhamli bakho?
Amaninzi amaninzi anikezela ukukhuselwa kwemali-mboleko kwiimpahla ezigcinwe kwi-IRAs, kwaye urhulumente wenkonzo unika uhlobo olufanayo lokukhusela i-401 (k). Kodwa kwenzekani xa umnini we-akhawunti efa kwaye impahla ye-retraite isasazwa ngqo kumxhamli? NgoJuni 2014 iNkundla ePhakamileyo yase-United States ibanjwe ukuba xa i-asethi yomhlalaphantsi idlulisela kumntu ofumana umxhamli, ilahlekelwa ngumniki-mboleko wayo kwaye iya kufumaneka ngokukhawuleza kubaboleki bemboleki. Ukuba ufuna ukunikezela ngetyala kunye nokuqhawula umtshato kwabaxhamli bakho, khawuqwalasele ukushiya ipropati yempesheni yokuthatha umhlala-phantsi kwixesha lokuphila lokuzikhethela okanye i-IRA Trust ekhethekileyo ngenzuzo yabaxhamli kunoko.
04 Ngaba umxhamli ofunyenwe ngumncinci?
Ukuba umxhamli we-IRA okanye i-401 (k) encinci xa usweleka, ke lowo uzuziweyo akayi kuvunyelwa ukuba amkele i-asethi ngokusemthethweni, kwaye ngoko umgcini okanye umgcini-mboleko ojongene nenkundla uya kufuneka abekwe esincinci. Emva koko, xa umncinci ufika kwi-18 okanye 21 (kuxhomekeke kumthetho welizwe osebenzayo), umxhamli uya kufumana ulawulo olupheleleyo kwiimpahla ezihlala phantsi. Endaweni yoko, kufuneka uqikelele ukutyunjwa kwesabelo esahlukileyo esenziwa yincinci kwi- Your Revocable Living Trust okanye i- IRA Trust eyahlukileyo njengomxhamli. Kwakhona, kuyakufuneka uthathe ingqwalasela yerhafu yokudlulisa irhafu xa umzuzi-mzuzwana ungumzukulu, okanye, ukuba umzuzwana akahambelani nawe, emva kweminyaka engaphezu kwe-37 / 1/ engaphantsi kweyona.
05 Ingaba unayo i-taxable property?
Ukuba unempahla ehlawuliswayo kunye nemali ebalulekileyo yezinto zakho ezikhoyo kwisicwangciso sokuthatha umhlala-phantsi esifanelekileyo, ke le mali kufuneka ibe yindawo yokugqibela ukuba ukhangele xa uqikelela ukuba i-bill tax tax will be paid . Oku kungenxa yokuba impahla yepropati yokuthatha umhlala-phantsi ayisayi kufumana isinyathelo-mali ngokusesikweni , kwaye ngoko nayiphi na imali ekhutshwe kwi-akhawunti efanelekileyo iya kuxhomekeka kwerhafu yengeniso. Kunoko, kufuneka ukhangele imali okanye i- inshorensi yobomi ukuhlawula i-bill ye-tax property njengoko le ntlawulo ayiyi kuvelisa nayiphi na irhafu yerhafu , okanye i-stocks okanye i-real estate njengoko ezi zinto ziza kufumana isinyathelo ngokusesikweni kwaye ngoko ingeniso yerhafu yengeniso ukuthengiswa kuya kuncitshiswa.
06 Ngaba utshatile kwaye unempahla ehlawuliswayo?
Izibini ezitshatileyo ezingenakho ukuthembela ekuphatheni ukukhulisa ukuxolelwa kweerhafu zendawo , izicwangciso zomhlala-phantsi kufuneka zibe yindawo yokugqibela ukuba zikhangele ukuxhaswa kwi- AB Trusts ezenzelwe inzuzo yeqabane eliphilayo kwiiNkxaso zabo zokuHlaba. Izizathu zokuba kutheni ziyinkimbinkimbi kodwa zibophelele kakhulu kwiingqalelo zerhafu yengeniso kunye nokuphakanyiswa kweenjongo kubaxhamli ababizwa ngokuba ngumntu ohlala naye efa. Kwakhona, amaninzi amaninzi aphikisayo aphilileyo ayilulwimi olufanelekileyo ukulawula ii-IRAs ezishiye kwi-A okanye eB Trust. Nguwe kuphela, umlingane wakho kunye negosa lakho lokucwangciswa kwempahla onokukwazi ukubona ukuba nini na ukuba izicwangciso zakho zomhlalaphantsi kufuneka zibizwe ngokuba ngabaxhamli abaziintloko be-AB Trusts ezenziwe kwi-Your Revocable Living Trust.