Umhlala-phantsi oqhelekileyo Umhlala-phantsi Ngaba Ixesha Aluphi Iiprogram Zokuthatha Umhlala-phantsi Ifikelela Kwiinzuzo Ezipheleleyo
Kodwa ngenxa yesicwangciso esikhulu somhlala-mkhulu nesona sisisigxina, ukhuseleko lwezeNtlalo, amalungelo okuzuza ngokupheleleyo anikwa ngokubanzi kwiminyaka. Ngamanye amagama: "Kufuneka ube ubuncinane kule minyaka ukuba ibe yinto eqhelekileyo."
Kodwa yile nxalenye ekhohlisayo. Akukho mnye obekwe iminyaka. Ubudala bemihlala-phantsi yomhlala-phantsi obuqhelekileyo bufana ne-spectrum, eyahluka ngohlobo lokuzalwa. Ingabelana nabantu abazalwa ngowe-1937 okanye ngaphambili, abaneminyaka engama-65 yobudala bemhlala-phantsi, kubantu abazalwa phakathi kukaJan. 2, 1943 noJan. 1, 1955, abafumana inzuzo epheleleyo kuma-66 ubudala, kwabo bazalwa ngo-1960 okanye Kamva abamele balinde de kube ku-67. Ulawulo loKhuseleko loLuntu lubhala iminyaka yobudala yomhlalaphantsi ngomhla wokuzalwa kwiwebhusayithi yabo.
Umhlala-phantsi oqhelekileyo kunye noKhuselo loLuntu
Ubudala bakho obuqhelekileyo bokuthatha umhlalaphantsi kubalulekile xa ufaka isicelo soKhuseleko loLuntu ngezizathu ezimbini: Ngaphambi kokufikelela kwiminyaka yobudala yokuthatha umhlalaphantsi, iinzuzo zakho ziya kuncitshiswa. Emva kokufikelela kwiminyaka yobudala yokuthatha umhlalaphantsi, iinzuzo zakho ziya kunyuka de ibe ngama-70 ubudala xa imali yakho yenyanga yenzuzo iyeka ukunyuka.
Ubudala bakho bunceda ufumane inani lemali yentlawulo yakho yenyanga, kwaye kukuvumela ukuba uya kuhlawulwa ngenxa yokufumana umvuzo ngelixa ufumana iinzuzo.
Unokufumana uqikelelo olukhawulezileyo lwezibonelelo zakho zenyanga, nokuba kusekelwe kwiminyaka yakho kunye nengeniso yangoku, ngokusebenzisa i-Calculator yobudala yokuhlala phantsi komhlalaphantsi.
IiNzuzo zoNyanga kunye neMinyaka yokuHlala yoMhlalaphantsi
Njengoko inkqubo imileyo, nabani na onokuqala ukufumana iiNkxaso zeNtlalo kwi-62 ubudala okanye kamva kungakhathaliseki ukuba beminyaka yobudala bemhlalaphantsi. Kodwa iintlawulo zenyanga zizincitshiswa ngokusisigxina kubafundi bokuthatha umhlalaphantsi ngokuxhomekeka kwindlela ekude ngayo yobudala beminyaka yokuhlala phantsi xa uqala ukuqokelela. Abo baqala kwiminyaka engama-62 babenokubona ukuncitshiswa kwezibonelelo ezimalunga nama-30 ekhulwini, ngokubhekiselele kuLawulo loKhuseleko loLuntu.
Ngokuchaseneyo, abo balinda emva kokuba beminyaka yobudala bemhlala-phantsi yokufumana iingeniso banokufumana umvuzo ophezulu wenyanga. Iminyaka ulindele ukuguqulela kwinto ebizwa ngokuba yi- credits delayed credits , eyinokunyusa inzuzo yakho (kunye nomlingane ohlalayo). Unokubala iimpembelelo ezinokuthi uqala ukuqokelela kwangoko okanye ngasekupheleni kwiwebhusayithi yoKhuseleko loLuntu.
Umgwebo woMsebenzi Ngaphambi kobudala obuqhelekileyo bomhlalaphantsi
Ukuba uthatha inzuzo yeNtlalo yeNhlalakahle emva kweminyaka yobudala yomhlalaphantsi, imali iyakho. Kodwa ukuba uyabanga ngaphambi kokudala umhlalaphantsi, unokuhlawula isigwebo esisekelwe kumvuzo owufumanayo kuze kube yiminyaka yobudala yokuthatha umhlalaphantsi. Ngo-2017, uza kulahla i-$ 1 kwiintlawulo ze-$ 2 kwimirholo oyifumana ngaphezu kwe-16,920 ngeminyaka ukuya kwinyanga ufikelela kwiminyaka yobudala yomhlalaphantsi.
Abafumanayo bangayilalisa i-$ 1 kuyo yonke i-$ 3 kwimirholo efunyenwe ngaphezu kwe-44,880 i-$ 44,880 ngo-2017.
Jonga indlela Umsebenzi ochaphazela ngayo iiNzuzo zakho zoKhuselo loLuntu ngolwazi olungakumbi.
Ukuze wenze uncedo oluninzi lweeNtlalontle zeNtlalo , qwabela umhlalaphantsi wakho (kunye neqabane lakho) kwaye wenze isicwangciso esenza ingqiqo enkulu kwixesha elide.
Ezinye iinkalo zonyaka oqhelekileyo wokuthatha umhlalaphantsi
Umxholo wonyaka oqhelekileyo wokuthatha umhlalaphantsi usebenza nakwizicwangciso zempesheni. Ngokwemiqathango ye-IRS kunye nemimiselo, isicwangciso somhlala-phantsi singabhawula inzuzo kumntu oneminyaka engama-62 okanye ngaphezulu nangona umntu uthatha inxaxheba. Imithetho ngokubhekiselele kwisicwangciso esincinane esivumelekileyo sokuhlala umhlalaphantsi sinommandla okhuselekileyo oneminyaka engama-62.
Izicwangciso zenzuzo ezicacileyo zihlala zibala iintlawulo zomhlala phantsi ezixhomekeke kuminyaka engama-65 ubudala.
Ngaphandle kokuba umntu othabatha inxaxheba ukhetha ngenye indlela, izibonelelo phantsi kwesicwangciso esifanelekileyo kufuneka ziqale zingakapheli iintsuku ezingama-60 emva kokuvalwa kwesicwangciso sonyaka esithatha inxaxheba:
- uphendukela kwi-65 (okanye isicwangciso sobudala somhlala-phantsi, ukuba ngaphambili);
- igqiba iminyaka eyi-10 yesicwangciso sobambe iqhaza; okanye
- iphelisa inkonzo nomqeshi.
Olunye ubudala obubalulekileyo bokuqwalasela i-59 1/2, eli lixesha unako ukuthatha ukurhoxiswa kwe-penalty-free from accounts-benefit accounts like 401ks and IRAs. Ukuba usuhlala umhlala phantsi ungathatha ukurhoxiswa kweentlawulo ezingenasigwebo kwi-plan 401k kwiminyaka yobudala engama-55 ngenxa yokuhlukana kwenkonzo.
Njengoko unokubona ukuba inkcazo "yobudala" yobudala yomhlalaphantsi isebenza ngokuqinisekileyo ngexesha kwaye ungafikelela njani kwiindidi ezahlukeneyo zeakhawunti yomhlalaphantsi. Ubudala beminyaka yobudala bemhlala- phantsi namhlanje buyi-64 kumadoda kunye no-62 kubafazi. Kodwa inkcazo yakho yesiqhelo ingahluka kwaye kwaye yonke into iyahla xa ulungele.
Ukuhlaziywa nguScott Spann
Umxholo okweli siza unikezelwa ngolwazi kunye neenjongo zengxoxo kuphela, kwaye akufanele kube sisiseko sesicwangciso sakho sokucwangcisa, iserhafu okanye utyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.