Waiziva here paunobva kumushandirwi wako kana uchida rollover kambani yekubhadhara kambani yenyu kune IRA-asi musati mazadza mapepa zvakarurama-munogona kugumisa kubhadhara mitero isina kukodzera here? (Nezvo zvakanaka rollovers hapana mutero inokonzerwa.)
01 Kuita IRA Kurongedza Nzira Isina Kuipa
Ko kana izvi zvikaitika uye iwe usina $ 40,000 akarara pasi kuti udzoke zvakare muIRA kuti uite mutero unorega izvo zvino watumirwa ku IRS? Zvakanaka, iyo madhora makumi mana emadhora makumi mana emakumi mashanu emitero isingabhadharwi inonzi inoshandiswa kubhadhara kubva kubhuku rako, uye iwe unofanirwa kubhadhara mitero pairi-kunyange iwe waireva kuti yose iRA rollover. (Pamusoro pe25 muzana mutero inosvika $ 10 000 mumitero yegore raigona kunge rakadziviswa.)
Kana iwe uri pasi pemakore makumi matanhatu nemashanu kubva kune makumi maviri uye izvi zvinoitika kwauri, iwe uchafanira kubhadhara imwe yemazana 10 muzana yekutengesa mutero zvakare. Yikes!
Iwe unodzivisa sei ikoku kukanganisa kukuru kwemutero? Paunobva kune waunoshandira unofanira kubvisa mari yako zvakanaka .
02 Asingazive Pamusoro peMRD's (Inodiwa Minimum Distributions)
Ichokwadi. Kana ukangosvika makore makumi manomwe nemaviri, kana iwe uine mari mumasikirwo eIRAs-kana mamwe mapurogiramu epamberi epamberi semakore 401 (k) s kana 403 (b) s-iwe unofanirwa kutora kugoverwa. Mari yaunofanirwa kurega inotsanangurwa nemutauro wakatarwa maererano nezera rako uye kubhadhara kwekambani yako musi wa 31 Dec wegore risati rasvika.
Sezvaunokura, gore negore iwe paunokura iwe unofanirwa kubvisa chikamu chepamusoro chechiyero chakasara kupfuura chaunofanira kutora gore rakapfuura.
Kana iwe usingatori mari inodiwa? Iwe unogona kutora chikwereti chemutero wepamusoro kune 50 muzana yemari yaunofanirwa kutora!
Kuparidzirwa kunodiwa kunogonawo kushandiswa kuIRAs dzakagara nhaka uye nhaka yeRoth IRAs kunyange iwe uri pasi pezera remakore 70 1/2.
03 Kwete Kuvhara Mitero paPensions uye Social Security
Mhando dzakawanda dzekurega mari inoshandiswa . Semuenzaniso, mari yepensheni inobhadharwa mari, uye yako yeHindu Security mari inogona kuendeswa kumitero zvakare! Mukuwedzera, iwe uchataurira kufarira, zvikwereti uye mari inowanikwa pane mamwe mabhuku asina kubhadhara.
Paunenge uchirega basa, kana iwe usina mari yakakwana pamitero yakachengetwa kubva muhomwe yako kana kuti Social Security mari iwe unogona kunge uri mukushamisika kukuru kana iwe ukakanda mitero yako. Iwe uchada kuita purojekiti yemutero kuti uenzanise mari yako yaunotengesa uye iwe unotora mutero, uye iva nechokwadi chokuti une mari yakakodzera yakachengetwa.
04 Kusingatori Kurapa Kwemitero PAKAPENZIRA Kubhadhara
Urongwa hwokubhadhara mitero hauiti zvakanaka kana gore rapera. Makore emari ekuwana mari anogona kunyanya kubatsira uye iwe unofanira kuzvishandisa kune zvaunobatsira. Kurasikirwa nebasa kana kuti kusina mari shoma hazvibatsiri-asi kunogona kuunza mukana wokuronga mutero.
Kana iwe une gore rine kubhadhara zvakakwirira, zvakadai sokubhadhara chikwereti chinokwereta uye mari-yakabhadhara mari-uye mari shoma gore iroro-iwe unogona kuishandisa kushandisa zvakakunakira nekushandura imwe yeIRA yako kuRoth IRA uye ubhadhara zvishoma -to-hapana mutero.
Izvi zvinogona kukuchengetedza mazana emadhora-asi hazviitiki kunze kwokunge iwe uchiita urongwa hwekutora usati gore rapera . Kuronga mutero kunogona kubatsira dendere rako renha rinopera kwenguva refu.
05 Kusatora Kubatsira kweIRAs
Dzidza IRA inotonga- uye gore roga roga ona kana iwe uchikodzero yekuita IRA, kwete-deductible IRA, kana mupiro weRoth IRA.
Iwe unofanirwawo kuziva kana kambani yako yekusarura purogiramu inopa kukwanisa kuita mipiro yeRoth (iyo inonzi Dhipatimendi Yakarongwa Roth kuburikidza ne 401 (k) chirongwa chako).
Mipiro yeRoth inotora mushure mitezo, saka haibatsiri mari yako yegore iripo, asi iwe paunoshandisa mari kubva kuRoth mukurasira, zvipo zvinouya pasina mutero.
Mukuwedzera, Roth IRA akaregererwa haafaniri kusanganiswa mumutemo unosarudza kuti mari yako yeHindu Security ichakweretwa sei.
06 Kwete Simba Pakusarudza Sei uye Nini Kuti Udzorere Mari
Nei iri iko kukanganisa kwemutero? Kushandisa mari yako yokurasikirwa mukuronga kusina kunaka kunogona kureva kubhadhara zviuru zvezvemitero gore negore kupfuura iwe waifanira kubhadhara kana iwe wakagadzirisa zvinhu zvichienderana nesarudzo inogona kukuwana iwe mushure mekare-mubhadharo.
Izvi zvinonyanya kuitika kana usina mari yepensheni uye yakawanda yemari yako yekubvisa mari ichauya kubva kuSocial Security uye IRA mari. Munhu ane ruzivo rwekugara muchengeti wekusununguka anogona kubatsira nerudzi urwu rwekugadzirira-uye zvinogona kukonzera mamwe akawanda mushure mekubhadhara mari yomutero iwe.