Izinketho zokujongana nefa le-akhawunti yomhlalaphantsi
Indlela oyizuza ngayo i-IRA okanye i-401 (k)
Abo bazuze i-IRA okanye i-401 (k) baziwa njengabaxhamli abaxhomekeke kwi-akhawunti.
Xa umntu wokuqala evula i-IRA okanye i-401 (k) icebo, inxalenye yenkqubo yokuqala yamaphepha kukubiza okungenani oyintloko kunye mhlawumbi nabaxhamli abathile. (Ukuba awukhumbuli abaxhamliweyo owazibiza kwi-akhawunti yakho, unako ukuhlola rhoqo inkampani elawula isicwangciso sakho. Abanini-401 (k) nababoneleli be-IRA bakuvumela ukuba wenze oku ku-intanethi.) Ukuba kukho into eyenzekayo kwi-akhawunti umnini-mali, i-asethi kwi-akhawunti idluliselwa kunye nabaxhamli ngendlela ephethe ngayo i-akhawunti.
Ukubonisa oku, thabatha uKelly, onomyeni nabantwana ababini. Umyeni wakhe nguye oyintloko ofumana inzuzo ye-100% yemali, kwaye abantwana bakhe babini bafumana i-50% abaxhamli. Oku kuthetha ukuba xa uKelly efa, umyeni wakhe uzuze i-akhawunti epheleleyo. Ukuba indoda ingaphila ukuba izuze ifa, okanye idlule ngelixa ifumana ukunikezelwa kwi-akhawunti, i-asethi iya kwahlulwa phakathi kwabantwana.
Kukho iindlela ezininzi zokwahlula impahla phakathi kwabaxhamli, kwaye kunokwenzeka ukubiza i-trust okanye i-estate njengomxhamli okanye umxhamli ongu-IRA okanye 401 (k).
Okukhethwa nguMlingani we-Akhawunti ye-Akhawunti
Umzekelo wethu, umyeni kaKelly uzuze i-IRA okanye i-401 (k). Ukuba ungumlingane, unokhetho oluninzi.
Ikhetho lokuqala, kwaye mhlawumbi isisiseko sokuqala xa sisebenzisana ne-IRA okanye 401 (k) elalizuze ilifa, kukuthatha i-asethi yonke kanye kanye. Oku kwaziwa njenge -distribution sum . Ngolu khetho, uhlawula irhafu kwimali ehambisa. Isamba semali kufuneka sifakwe njengenxalenye yengeniso yakho yonyaka xa uphawula irhafu kuloo nyaka. Kukho nokuba kubekho umyalelo onyanzelekileyo wokuba u-20% ugodle iirhafu xa imali ikhutshwa. Iindaba ezilungileyo yi-asethi ayiyi kuthotyelwa kwi- penalty ye-10% yokuqala.
Abanye abatshatileyo banokuthi bafune ukugcina imali ekhulayo yerhafu-echazwe yerhafu yabo. Iqabane likwazi ukugqithisa impahla kwi-IRA yakhe (abaxhamli abangenalo abafazi). Ishedyuli yokurhoxiswa kunye nezohlwayo zokurhoxiswa kwangaphambili ziya kulawulwa phantsi kwemiyalelo yokuhoxiswa kwe-IRA.
Inketho yesithathu kumlingane ukuvula into ebizwa ngokuba yi-IRA enefa. Nge-IRA enefa, i-akhawunti ihlala egameni likaKelly ukuze inzuzo yomyeni wayo. Njengokuba kukho enye i-option ye-IRA, i-asethi iya kuqhubeka ikhula i-tax-backerred until imali ihoxiswe. Ukwahlukana ngolu khetho lwe-IRA yimali ifikeleleke nanini na.
Kukho imigaqo ethile eqinileyo xa abazuzelifa kufuneka baqale ukuthatha ukuhambisa.
Ukusasazwa okuncinci okufunekayo (RMD) yimali ekufuneka ithathwe kwi-akhawunti ngamnye ngonyaka ngexesha lomhlalaphantsi, ngokusekelwe kwiminyaka yomnini-akhawunti okanye umxhamli, kunye nobukhulu be-akhawunti. (Unokwahlula ibhalansi ye-akhawunti yakho kunyaka ongaphambili ngokulindela ubomi ukubala i-RMD yakho.)
Ukuba uKelly wayemncinci kune-70 ½ xa efa, umyeni wakhe kufuneka aqale ukusasazwa ngokuncitshiswa kwimihla ngemihla ngokuphela komnyaka wokufa kwakhe okanye ekupheleni konyaka apho wayeya kuba ngu-70 ½, nokuba ngumhla kamva.
Ukuba uKelly wayemdala kunama-70 ½ ngexesha lokufa kwakhe, umyeni wakhe kufuneka athathe i-RMD yonyaka ngokuphela konyaka emva kokufa kukaKelly. Ukwahlukileyo kukuba ukuba uKelly wayethatha isabelo ngexesha lokufa kwakhe. Kwimeko apho, umyeni wakhe kufuneka athathe i-RMD ngonyaka wokufa kukaKelly.
Ukuba i-akhawunti ingama-401 (k), i-RMD ingafuneka phambi kokuba i-asethi ingeniswa kwi-IRA entsha.
Okukhethwa ngabantwana kunye nabangewona abafazi Abadla i-IRA okanye i-401 (k)
Ukuba i-IRA uzuze ilifa livela kumzali okanye omnye ongatshatanga naye, awunalo ukhetho lokuqhawula i-akhawunti ngqo. Nangona kunjalo, unokwenza i-IRA ezuze ilifa kwaye i-asethi iyaqhubeka ikhula, ihlawulwe irhafu. Kwakhona, le akhawunti ihlala egameni lomnini-akhawunti oyimfuneko ngenzuzo yakho. Ii-RMD zifanayo. Ukuba umnini we-akhawunti yakho udlulile ngaphambi kweminyaka engama-70 ½, kufuneka uthathe ii-RMD okanye ekupheleni konyaka okanye ekupheleni konyaka apho umnini-akhawunti wayeya kuba ngu-70 ½ okanye ekupheleni konyaka wokufa, nantoni na kamva.
Abangatshatanga nabo banelungelo lokuphuma, bakhokhe irhafu baze bathathe isamba semali. Xa kukho umxhamli omnye, unokucela ukuhlula i-akhawunti kwaye ngamnye makamkele isigqibo sokuba benze ntoni nesabelo sabo.
Naluphi na ukhetho owenzayo lunempembelelo yalo. Ngaphambi kokugqiba ukuba yeyiphi indlela enokukhetha ngayo, kunokukunceda ukuthetha nomcebisi weerhafu kunye nomcwangcisi wezemali ukufumana umbono opheleleyo wendlela nganye ifuthe ngayo umfanekiso wakho wezezimali. Nokuba ummeli kwiinkampani ze-IRA okanye 401 (k) umlawuli unokukwazi ukuhamba ngeendlela ozikhethayo.
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.