2017 - Mashandiro Emitemo Pamusoro Pemaitiro IARA Anopa Basa

Mitero iri paIRA inokanganisa inosiyana zvichienderana nekubvisa kwako uye mari yako

Paunenge uchisvika muzera remakore 59 1/2, unogona kutanga kutora kuparadzirwa kubva kuIRA yako, uye nekuda kwezera rako, ikozvino wakachengeteka kubhadhara chero mutero wemhosva. Mari yaunodzinga iyo inotungamirirwa nemitero yemari, inoreva kuti kugoverwa kwako kunosanganiswa mukuverenga kwemari inotengesa mari yaunayo kune gore iroro rekarenda. Iwe unogona kusanganisira yako yakazara IRA migove pamutsara 15a uye / kana 15b pane fomu yako yemutero 1040.

Ndeapi Mutero Pamusoro Wangu Kupararira?

Nhamba yose yemutero waunobhadhara pane kugoverwa kweIRA inobva pahuwandu hwekuwana mari uye zvakakodzwa iwe une gore iroro.

Paunotarira fomu 1040 yemitero, uchawana mutsara we15, unonzi "IRA distributions." Pamusana pemutero wakatarisa mutero weIRA, chero kukura kana kuonga kukuru kwawakagamuchira muakaunti yako hakuna kumbobhadharwa. Uyezve, kana IRA yako yaive yakabhadharwa nemari yekare isati yatere , iwe hausati wabhadhara chero mutero pamari iyo, saka mari yakazara yekugovera kwako inotengesa uye ichaendeswa kumurongo 15b.

IRA yako kugoverwa kunowedzerwa kune dzimwe nzvimbo dzekuwana mari kuti uone kuti iwe wakagadziridzwa mari yakawanda sei. Mari yako yakagadziridzwa yakawanda inoderedzwa nekutambidzwa kunobvumirwa uye kuregererwa, uye mugumisiro ndiwo mari yako inotengesa.

Kana uine mari yakakwirira uye zvishoma zvishoma zvakakonzerwa, tarisira kubhadhara mutero wakawanda pane wekupararira kweIRA pane mumwe munhu ane mari shoma uye mari yakaderedza.

Kana iwe wakatora kugoverwa asi usati wasvika makore 59 1/2, 10 muzana yekodzero yemutero ichashandawo kugoverwa kweIRA kunze kwekuti iwe unokodzera kusarudzwa pamutero wekurasikirwa kwekutanga .

Ndingakwanisa Kuendesa Mari Chechipiri MuIra Kubva kune 401 (k) here?

Kana uine mari mune 401 (k), unogona kusarudza kuendesa mari iri muIRA kuburikidza nekugadzirisa kunonzi rollover.

Mari yeIRA rollover haibhadharwi kubhadharwa kana yakabva kune 401 (k) hurongwa, sezvo mari inobva kune imwe yekodhi yakabhadhara mari yekubvisa mari kune imwe.

Rollover transactions ane mitemo yakarongedza rollover , iyo bhagheni kana yekambani yekwereti inogona kukutsanangurira sezvavanokutora iwe kuburikidza nekuita. Chero bedzi mari yacho ichienda kubva kune yako 401 (k) kune itsva IRA mari yekuchengetedza mari, uye iwe hauna kutora nhaka yemari yacho, haugoni kutora chero mutero wemitero.

IRA Distribution Taxation Example

Iti munhu mumwe chete, wemakore makumi matanhatu, anoda IRA kurega kubhadhara mari yekugara. Anoda kutora madhora 2 500 pamwedzi uye anoda kuitora kuti aende kunotarisa. Kunze kwe $ 30,000 muzvikamu zveIRA (nguva 12 $ 2,500) iye achavawo nemamwe mari kubva muhomwe yake ye $ 12,000. Izvi zvinomupa chikwereti chakashandurwa mari yakawanda (AGI) ye $ 42,000 yegore.

Uyu munhu haaiti miitiro yezvakabviswa uye panzvimbo paanoshandisa kuregererwa kwakakwana ($ 6,350 muna 2017) uye kuregererwa kwomunhu ($ 4,050 muna 2017). Neye AGI yake, zvishoma kuderedzwa uye kuregererwa kwemari, ane $ 31,600 yemari inotengesa.

Iko mabhirikiti emitero e 2017 anoratidza kuti kune munhu mumwe chete ye $ 9,325 yemari inobhadhara mari inotengesa pa 10 muzana.

Mari inobhadhara mutero kubva pa $ 9,325 kusvika ku $ 37,950 inobhadharwa ne15 muzana. Somugumisiro, achabhadhara $ 4,274 pamitero.

Kana mukadzi wacho aine mitero yakadzivirirwa kubva kwaari kugoverwa kweIRA uye kugoverwa kwepenheni, angadai akabhadhara mitero yakakwana mugore rese. Kana iye asina mutero akaregererwa, anofanira kunyora cheki musi waApril 15.