Yiyiphi i-Distribution Minimum Distribution (RMD)?

Oko Bonke abaTyalo-mali kufuneka bazi malunga Neemfuno eziNcinane

Imfuno eyimfuneko ephantsi, ebizwa ngokuqhelekileyo njengama-RMD, isasazwa ngokunyanzeliswa ngumbutho ukusuka kwisicwangciso somhlala-phantsi esifanelekileyo. Le mithetho ye-RMD ichaza umlinganiselo osisiseko kufuneka uhoxise kwi-akhawunti yabo rhoqo ngonyaka uqala ngo-70½ ubudala. Imigaqo emiselweyo yokusabalala efunekayo yinto ehla ngayo kukuba ngelixa i-IRS iya kunika iindleko zerhafu kwi-asethi etyalomali kwisicwangciso somhlala-phantsi esifanelekileyo njengama-401 (k), i-IRA yendabuko okanye i-SEP IRA, awukwazi ukugcina imali kule akhawunti ngonaphakade.

Ekugqibeleni, i-IRS iya kufuna ukuthatha isahlulo sayo.

Umsebenzi omncinci wokuSasazwa okufunekayo

Imithetho efunekayo yokusabalalisa ubuncinci iqinisekisa ukuba i-IRS ifumana ithuba lokuqokelela irhafu ngemali yomhlala-phantsi kuze kube sekuqale ukuhoxiswa okanye kukhishwe irhafu kuze kube yile ngongoma.

Kwabaninzi abahlala phantsi, imithetho ye-RMD ayinayo impembelelo yangempela kwindlela abasebenzisa ngayo imali yabo yomhlalaphantsi, njengoko abaninzi baqala ukuthatha ukuhambisa kakuhle phambi kweminyaka engama-70½ njengendlela yokufumana umhlala-phantsi. Enyanisweni, ngaphezu kokuthatha isabelo phambi kwexesha elifunekayo, ininzi abaye bayishiya umhlala-phantsi bayakrhoxa ngaphezu kwexabiso elincinci. Kodwa kulabo bahlala phantsi abanomvuzo abaneminye imithombo yokufumana umhlala-phantsi okanye abangenakuchitha imali kwiimpahla zabo ezifanelekileyo, i-RMD ikhawuleza kwaye idala imali engenayo. Kwaye nje njengaye nayiphi na imali engenayo yomhlalaphantsi, unokubeka i-RMD yakho kwiindleko, i-akhawunti yokutsalwa kwetyala, okanye isipho semali esiya kubancedo.

Imali ingeyakho. Into kuphela ongenakuyenza ukubuyisela imali kwenye i-akhawunti yomhlala phantsi.

Ngokomthetho we-RMD, ukuqala ngo-Apreli 1 emva kokuba ufike kwiminyaka engama-70½ ubudala, kufuneka uthathe isabelo seminyaka ukusuka kwizicwangciso zakho zomhlalaphantsi ezifanelekileyo, ezifana ne-401 (k) kunye ne-IRA. Imali omele uyihoxise isekelwe kwixabiso leakhawunti yakho ekuqaleni kwonyaka apho kufuneka ukuba usasaze khona.

Ingqikithi iyahlukana ngokokulinda kwakho ubomi njengoko kuqinisekiswe yi-IRS.

Izigwebo zokungaphumeleli ukusasazwa kweeNgcaciso

Ukuba usasebenza kwaye uncedisa kwisicwangciso esifanelekileyo njengama-401 (k) kwiminyaka engama-70½ ubudala, unokuvunyelwa ukulibazisa ukuthatha isabelo sakho esincinci, kodwa kuya kuxhomekeka kwimigaqo yesicwangciso sakho. Ngaphandle koko, ngomhla we-1 uEpreli emva kokuba uneminyaka yobudala engama-70½, kufuneka uqale ukuthatha isabelo esiza kubalwa njengenxalenye yengeniso yakho engenayo. Ukuba awuyi kuthatha i-RMD yakho, uya kuba phantsi kwesigwebo esiphezulu. Isihlomelo sokungathathi i-RMD yakho yerhafu ye-50% kwisixa asizange sikhutshwe ngexesha.

Indlela yokubala i-RMD yakho

Ekubeni ukusasazwa kwakho okusemgangathweni okuyimfuneko kuyimfuneko ngokusekelwe kwixabiso lakho le-akhawunti, uya kufuna ukusebenzisa uqikelelo lwexabiso elipheleleyo le-akhawunti yakho kwiminyaka engama-70½ ubudala ukubala ukuqikelela kwe-RMD. Nazi ezintathu zokubala eziphezulu ze-RMD zokukunceda ngolu hlobo. Abaninzi abacwangcise umhlalaphantsi okanye abacwangcisi bemali baya kubala i-RMD yakho kuwe, kodwa akudingeki ukuba benze njalo. Xa kufika ixesha lokuqinisekisa ukuba uthatha ukusasazwa okufanelekileyo, qiniseka ukuba unamanani afanelekileyo.

Kubalulekile ukuba uqaphele ukuba iRoth IRAs ayithobeli phantsi kwemithetho ye-RMD ngaphandle kokuba i-akhawunti izuze ifa, apho iimeko ezahlukileyo zonikezelo zisebenza.