Ukusasazwa kwangaphambili kweeNgxowa-mali

Izabelo ezivela kwi-IRAs, 401 (k) kunye nezinye izicwangciso zomhlala-phantsi zingahlawulwa kabini

Ukulondoloza umhlala-phantsi kukubalulekileyo kubomi bentela abaninzi, kodwa ngamanye amaxesha izinto zenzeka ukuba kukuphoqe ukuba udibanise kuloo mali. Ngamanye amaxesha ufuna nje ukuthatha isiqwenga salo ukwenza ubomi bakho bube bhetele. Kodwa xa uthabathe ukusasazwa kwi-IRA yakho, 401 (k) okanye esinye isicwangciso sokulondoloza umhlala-phantsi, kufuneka udibanise njengenzuzo engenayo. Ukurhoxiswa kungaphantsi kwerhafu yongezelelweyo ye-10 okanye i-25 ekhulwini.

I siseko

Ireyithi yerhafu yokukhaba xa uhambisa ukusasazwa ngaphambi kokuba ufikelele kwiminyaka ethile, ngokuqhelekileyo u-59½, nangona kukho ikhefu elongezelelweyo.

Isihlomelo singama-10 ekhulwini kwerhafu ehlawulwayo xa uthatha ukusasazwa kwangaphambili kwi- akhawunti yomhlala phantsi (IRA), i-Roth IRA, i- 401 (k) , i-403 (b), okanye esinye isicwangciso somhlala-phantsi esifanelekileyo ngaphambi kokufikelela kwiminyaka eyi-59½. Inani elihlawulwayo kufuneka lifakwe kwingeniso yakho engenayo.

Ukongezwa kwerhafu eyongezelelweyo ukuya kuma-25 ekhulwini xa uthetha ukusasazwa kwi-SIMPLE IRA kwiminyaka emibini yosuku oqala ngalo ukuthatha inxaxheba kwisicwangciso.

Ngaphandle

Kukho iiseti ezimbini zokungabikho kule mithetho. Iyokuqala isebenza kumacandelo omhlala phantsi, zombini kunye neRoth IRAs. Iyesibini ithintela 401 (k) kunye no-403 (b) izicwangciso zomhlalaphantsi.

Ukungabikho kwemibandela yokuqala evela kwiIRAs kubandakanya:

• Unayo "i-rollover ngqo" kwi-akhawunti yakho entsha yomhlala-phantsi usebenzisa ukudluliselwa kwe-trustee-to-trustee.

• Ufumene inkokhelo kodwa walungisa imali kwenye i-akhawunti yomhlala phantsi efanelekileyo kwiminyaka engama-60.
• Unokukhubazeka okanye ukhubaze ngokupheleleyo.
• Ubungekho msebenzi kwaye usetyenzise imali ukuhlawula iiprimiyamu ze-inshorensi yezempilo.
• Uhlawulele iindleko zekholeji okanye uxhomekeke kwi-kholeji okanye umzukulu.
• Ufumene ukusasazwa njengenxalenye "yeentlawulo ezilinganayo" ngaphezu kokuphila kwakho.

• Abafanelekayo bokuqala basekhaya bangabamba ukusabalalisa ukuya kuma-$ 10,000.
• Uhlawule iindleko zonyango ezingaphezulu kweepesenti ezili-10 zomvuzo wakho opheleleyo.
• I-IRS ihlawulise i-akhawunti yakho yomhlalaphantsi ukuhlawula amatyala amatyala.
• Ukusasazwa kubonisa ukubuyiswa kweminikelo engenakunikwa.
• Kwakuyi-distribution engafanelekanga evela kwiRoth IRA.

Ukungabikho kwemibandela yokuqala ukusuka kwisicwangciso somhlala-phantsi esifanelekileyo esifana ne-401 (k) okanye 403 (b) isicwangciso siquka:

• Izabelo ezenziwa ngokufa okanye ukukhubazeka kwesicwangciso esithatha inxaxheba.
• Uneminyaka engama-55 okanye ngaphezulu kwaye uhlala umhlala phantsi okanye ushiye umsebenzi.
• Uneminyaka engama-50 okanye ngaphaya kwaye uthathe umhlalaphantsi okanye ushiye umsebenzi wakho njengomqeshwa wokhuseleko loluntu likarhulumente karhulumente.
• Ufumene ukusasazwa njengenxalenye "yeentlawulo ezilinganayo" ngaphezu kokuphila kwakho.
• Uhlawule iindleko zonyango ezingaphezulu kweepesenti ezili-10 zomvuzo wakho opheleleyo.
• Izabelo zafunwa ngumyalelo wesahlukaniso okanye isivumelwano sohlulo phantsi kwemiqathango "ye-odityanelweyo ye-intanethi yenkundla yobudlelwane basekhaya."
• Ufumene ukuhanjiswa kweegalelo ukusuka kwisiCwangciso soMnini woTywala lwaBasebenzi.
• Baye bafumana uncedo lokubuyisela.
• Baye bafanelekela ukunikezelwa kwemithombo ye-reservist.
• Babenokwabelana ukusuka kwizicwangciso zedolophu phantsi kweprogram yomhlalaphantsi.

• Babeyeke ukukhutshwa kweemvume ezivela kwisicwangciso ngamanqaku okubhalisa ngokuzenzekelayo.
• Bebekulungelelaniswa kunye / okanye iimvuzo ezihambelana neminikelo engaphezulu.

Awukwazi ukuba nekhaya kule minyaka emibili edlulileyo ukuze uvumeleke ukukhutshwa kwekhaya, kwaye u-$ 10,000 kuphela wokusabalalisa umhlalaphantsi uya kuphepha ukuhlawulwa kwentela.

Awunanto yokuba uhlawule irhafu yakho yerhafu ukuba ufune ikhefu leendleko zonyango.

Eminye iMithetho iguquliwe ngo-2016

Abanye abasebenzi baseburhulumenteni banokufikelela kwimali yabo yokugcina umhlala-phantsi ukususela kwiminyaka engama-50 ukuba bathathe umhlala-phantsi okanye bayeke imisebenzi yabo kunokuba balinde ukuya kwiminyaka engama-55. Baquka izinto zenyukliya, i-United States i-Capitol Police, i-Supreme Police Police kunye ne-ejenti yezokhuseleko. Oku kusebenza kwimida evela kwingxowa-mali echaziweyo karhulumente kunye nezicwangciso zenkxaso ezichaziweyo zabasebenzi abahlukileyo kwinkonzo emva kokufikelela kwiminyaka eyi-50 ubudala.

Olu tshintsho lwenziwe ngempumelelo ngo-2016 njengenxalenye yoKhusela amaMerika kwi-Tax Hikes Act ka-2015 .

Ukubika iSohlwayo sokuSasazwa koLuntu

Unako ukufumana irhafu eyongezelelweyo ngqo kwiFomu ye-1040, okanye ungasebenzisa Ifomu 5329. Okukhethwa kukho okufanelekileyo kuncike kwiimeko zakho zerhafu. Ngokuqhelekileyo, uya kubala isohlwayo serhafu eyongezelelweyo kwiFom 5329 ukuba ufanelekele enye yeemfuneko kunye nesicwangciso sakho sokuthatha umhlala-phantsi asizange sichaze ngaphandle kweFomu 1099-R kwibhokisi 7. Ukuba ngaphandle koko kubhalwe ngokufanelekileyo kwibhokisi ye-1099 yakho -Ifomu, akudingeki ukuba ugcwalise Ifomu 5329.