Zvimwe kubvisa zvinogona kukonzera kutora mitero
Icho chinangwa chakakosha uye chakanaka chokuchengetedza kubhadhara, asi chii chinoitika kana iwe uchirova bump panzira huru yeupenyu uye unofanira kutora mari zvakare? Ndeipi mitemo yekuregererwa paunosvika kumakore ekusiya basa uye iwe wakagadzirira kufara nezvibereko zvekushanda kwako?
Kune mishanu mikuru mikuru yeIRA inobviswa: nguva pfupi, nguva dzose, kubvisa zvishoma, zvinoshandiswa zvishoma zvishoma, Roth IRA kuregera, uye rollovers yeIRA kana kuendeswa. Mimwe mitemo yakasiyana inoshanda kune umwe neumwe wavo uye mamiriro akasiyana-siyana.
01 Kutanga IRA Kubhadhara
IRAs yakanyatsorongedzerwa kuchengetedza mari yekurega mari. IRS inoda kuti iwe ushandise mari yekurega basa, saka kana iwe ukabvisa mari kubva kune tsika yekare IRA mushure mokunge usvika pamakore 59 1/2, mutero we10-percent wekutanga kutora mutero unoshanda. "Mutambo" ndiro shoko guru pano. Mitemo yakasiyana inoshanda kuRoth IRAs.
Iwe unofanirwa kuudza tsika yeIRA zvishomanana kubva pane yako 1040 fomu yemutero uye mitero yemari inowanikwa inoshanda kune mari iyiwo zvakare. Kune zvidimbu zvishomanana kune mutero wechirango, asi kwete kunze kwemutero wemari. Iwe unogona kukwanisa kuvhara mutero wekero chikamu kana mamiriro ako akawira pasi peIRA kubvisa zvinetso zvemitemo .
02 Roth IRA Kubviswa
Pane zvakawanda zvemashoko akashata kunze uko pamusoro peRoth IRA. Ndizvo zvisina mutero here? Kunge. Chinhu chikuru pamusoro peRoth ndechokuti iwe unogona kubvisa zvipo zvako zvepakutanga-kunyange zvisina kutendeuka kana rollover yakawanda-chero nguva, pasinei nemakore, pasina mitero kana zvikwereti. Asi kana iwe ukabvisa chikamu chekutsvaga mari muchidimbu musati wava nemakore 59/12 kana usati watora Roth kwemakore mashanu, mitero uye zvikwereti zvichashanda. Kana iri nhoroondo yakasarudzwa yeRoth mu 401 (k) chirongwa, mitemo yakasiyana.
Asi kana iwe ukatevera mitemo uye ukashandisa Roth kwemakore ako ekurega, hongu, kurega kunenge kusina mutero .
03 Kazhinji IRA Distributions
Iwe unogona kutora mari kubva kune yako tsika yekare IRA uye hapana mutero wemitero unoshandiswa mushure mokunge mava nemakore makumi maviri nemashanu. Izvi zvinofungidzirwa zvizere zvekupararira kweIRA nokuti uri kuzvishandisa pamakore ekurega basa. Asi mari yakabviswa inenge yakabatanidzwa mumutero wako wekubhadhara-iwe unofanirwa kuiudza iyo yako 1040 fomu yemutero.
Nhamba yemutero wauchabhadhara pane kugoverwa kweIRA kunobva pane yako bhakoni yemitero uye yako yose inoshandiswa mari inobhadharwa mushure mekubviswa kupi zvako kunogona kutora gore iroro. Kana mari yako yakakwirira, iwe uchabhadhara mitero pazinga rakakwirira. Kana iwe uine zvakanyanya kuderedzwa kupfuura iwe une mari, hauzobhadhara mutero zvachose.
04 Inodiwa Minimum Distributions
IRS inoda kuti iwe utange kutora kugoverwa kubva kuIRA accounts, 401 (k) s, 403 (b) s, 457 zvirongwa nezvimwe zvirongwa zvekuchengetedza basa rekurega mari paunosvika makore 70 1/2. Izvi zvinoda kugoverwa zvishoma zvinowanzozonzi maMRD. Mari yaunofanira kutora kuchinja gore roga rega nokuti yakabva pane imwe nzira kushandisa makore ako uye gore rakapera remakore rekupedzisira. Iwe hauna kutarisirwa kutora RMDs kubva kuRoth IRA kana iwe uri nekodha, asi iwe unofanira kutora RMD gore roga roga kana uine nhaka yeRoth.
05 Rollovers uye Transfers
Paunenge uchinge wanyora pamusoro pekambani yekubhadhara mari yakadai semari yemari kubva purogiramu yepenjeni, 401 (k), kana 403 (b) muIRA, izvi hazvirevi kubvisa. Iwe unogona kuvhara pamusoro pekambani pasina mitero kana zvikwereti, pasinei nezera rako, kana iwe ukatevera mitemo.
Paunotamisa mari kubva kune imwe IRA kune imwe, izvi zvinonzi kutumirwa . Kana iwe IRA yako mari ichienda zvakananga kubva kune imwe nzvimbo yezvemari kuenda kune imwe uye mari haisati iri mumaoko ako, kuwedzerwa kune mutero- uye chirango chisina. Saizvozvowo, kana IRA mari ichiuya kwauri uye iwe ukadzosera zvakare mukodhi yakakodzera mumazuva makumi matanhatu, iwe ucharega kubhadhara mitero uye chirango. Asi iwe unongokwanisa kuita izvi kamwe chete mwedzi gumi nembiri kana kuti inogona kuonekwa sekushambadzirwa kunobhadhara.