Yenza umsebenzi wesikolo sakho ngaphambi kokuba uqale i-rollover ye-IRA
Nantsi oku kufuneka uyazi ngaphambi kokuba uqale i-rollover ye-IRA.
Yazi umehluko: Ukusasazwa kwe-IRA nge-rollover ye-IRA
Ukuba uthatha imali yakho yokuthatha umhlalaphantsi njengokwabiwa kwemali uza kufuneka uhlawule irhafu yengeniso, kwaye ukuba awukakho u-59 ½, ukuhanjiswa kwakho kuya kuba phantsi kwesigwebo sokuthoma sokuthoma kwe-10%.
Ukuba usebenzisa i-rollover ye-IRA ukuhambisa imali yakho yomhlala-phantsi kwinkampani yakho 401 (k) ngqo kwi-akhawunti ye-IRA, akukho ntlawulo leyo iya kuhlolwa. Endaweni yoko imali yakho yomhlala-phantsi iya kuhlala ihlawulwe irhafu, kwaye awuyi kuhlawula irhafu kwithuba elinjalo njengoko uthabathe ukunikezelwa kwemali.
Funda amanyathelo afunekayo ukuqala i-rollover ye-IRA
1. Khetha iziko lemali apho ufuna ukuvula i-akhawunti yakho ye-IRA. Ukuba sele usenayo i-IRA ungenza i-rollover imali yakho yomhlala-phantsi kwinkampani yakho kwi-IRA yakho ekhoyo. Shayela inkampani apho unayo i-IRA okanye apho ungathanda ukuvula i-akhawunti yakho ye-IRA, kwaye ubatshele oko ungathanda ukukwenza. Baya kunika isikhokelo.
2. Biza umnxeba wakho umnxeba wenombolo yomnxeba. Tshela ngoko awusetyenziswanga kwaye ungathanda ukuhlawula imali yakho yomhlala-phantsi kwi-akhawunti yakho ye-IRA. Baya kukhululeka ukuthumelela ipakethe yephepha oya kulufuna ukugqiba. Ngamanye amaxesha baya kuba nako ukuncedisa ngefowuni.
3. Cela uncedo ukuba awukwazi ukugqiba iphepha. Imali yerhafu emva kokuba ilandelwe ngqo kwiRoth IRA. I-Roth 401 (k) imali kufuneka ifakwe kwi-akhawunti yeRoth IRA. Iminikelo ehlawuliweyo yerhafu ingagqitywa kwi-akhawunti ye-IRA rhoqo. Ukuba uzalise iphepha okanye i-RRA rollover ukuthengwa ngokungalunganga kunokubangela iingxaki ezinkulu emva koko.
Cela umcebisi-mali, umcebisi wezezimali kuphela, okanye isikhungo semali esilikhaya le-akhawunti yakho ye-IRA.
Nquma ukuba kufuneka usebenzise i-rollover ye-IRA okanye ushiye imali apho ikhona
Ukuba uphakathi kweminyaka yobudala engama-55 no-60 , cinga kabili ngaphambi kokuba uhlawule imali yokuthatha umhlala-phantsi kwi-IRA. Unakho ukhetho lokuthatha isohlwayo sokuhoxiswa kwamahhala xa ushiye umsebenzi emva kweminyaka yobudala engama-55 .
Ufunde. Ukuba awukwazi nto malunga nokutyalomali, usengozini yokwenza iimpazamo ezinkulu zemali okanye uxoxwa ukwenza into engalunganga ngumntu ongafanelekanga. Ucinga ukuba uza kutyala ntoni? Mhlawumbi ufuna udweliso lobugcisa ngaphambi kokuba uqalise. Ukuba ufuna incwadi enkulu kwisifundo sokutshala imali, khangela iiNqwelo ezine zoTyalo-mali .
Yazi inzuzo ye-IRA rollover
1. Ulawulo olungakumbi malunga notyalo-mali. Kulo 401 (k) isicwangciso okanye esinye isicwangciso senkampani inombolo ekhethiweyo yokukhetha utyalo-mali inikwe yona kwaye inkampani inokutshintsha ababoneleli becebo nganoma naliphi ixesha.
2. Iindleko eziphantsi. Iimali ngaphakathi kwenkampani yakho ziceba ukuhlawulwa kwemirhumo ngendlela yohlobo lweendleko. Unokukhetha utyalo-mali olulinganayo olufanayo kunye nemali ephantsi ngokusebenzisa i- index index kwi-akhawunti ye-IRA rollover.
3. IRAs zenza izinto zibe lula kubaxhamli.
Azikho zonke izicwangciso zomhlalaphantsi zenkampani zinikeza imigaqo efanayo malunga nendlela umxhamli wakho angayihoxisa ngayo imali. Kwi-akhawunti ye-IRA, umxhamli wakho uya kuba nenketho yokuthatha isabelo ngokukhawuleza ngaphezu kwexesha lokuphila kwabo. Bangakwazi okanye abanakho okukhethwa kukho ukuba imali ihlala kwisicwangciso senkampani.
4. Amandla okukhetha utyalo-mali olukhuselekileyo. Izicwangciso zomhlala-phantsi zenkampani azivumi ukukhetha ukhetho oluninzi olukhuselekileyo lwamafama , njengamabhondi karhulumente, izatifikethi zediphozithi kunye neengxelo ezihlawulwayo. Ukuba awufuni nengozi, unakho ukhetho oluninzi ngokufaka imali yakho kwi-IRA.
Ukuphepha iimpazamo
Imali yakho yomhlalaphantsi ikhuselwe umboleki kwaye ihlawulwe irhafu. Awufuni ukulahlekelwa ezi nzuzo ezikhangayo. Funda yonke into onokuyenza malunga nendlela yokuphepha ukuzenza iimpazamo ezixabisekileyo. Ukuba unamathela, khangela uncedo lomcebisi wezezimali .