Inodiwa Minimum Distribution
Izwi rokuti "RMD" rinomiririra Nekudiwa Minimum Distribution . Iyi ndiyo mari yemari yaunofanira kubvisa kubva kune yako yemaitiro IRA (kana kuti yekodhi yakakodzera) paunosvika makore makumi manomwe ½.
Pasinei nokuti une IRA imwe chete kana gumi dzakasiyana-siyana IRAs, shamwari dzedu pa IRS dziri kutarisa dhora rose rezvikwereti zvakakosha kuitira kuti uverenge mutero wako weMMD wegore negore. Iwe unogona kutora iyo Inodiwa Minimum Distribution (RMD) kubva kune imwe IRA, kana kubva kune dzakawanda dzekodhi dzakagadziriswa, chero bedzi iyo inoda yeDRS inosangana.
Kunyangwe iwe uchida mari yacho kunze kweIRA yako kana kwete, IRS iri kukubata iwe pafudzi kuti "yeuchiye" iwe kuti inguva yekutanga kubhadhara chikamu chako chakanaka chemitero.
Rufu Rwemakore Rinobatsira Rider Rwokutanga Runopa Murairo Mukuru uye Nhaka Yakaguma
Vamwe veIRA vanogara vasina kuronga pane kuwana mari iyo, kunze kweMMD pesky.
Vanoda kubva muwandu hwezvinhu izvi kune avo vanobatsirwa. Vanoda, chaizvoizvo, kusiya nhaka. Izvi zvinogona kuitwa kuburikidza nekushandisa chibvumirano chakanaka chekufa kwevanhu vanobatanidza kufa kune imwe yakagadzirirwa annuity. Heino nzira iyo iyo nzira yaizoshanda nayo:
Ngatiti iwe une $ 300,000 mune imwe tsika yeIRA, uye hauzorongorori paunoda zvinhu izvozvo kuti urarame pane zvekurega basa.
Kana iwe ukaisa mari iyoyo mune gore rakasimbiswa neine chibvumirano chekufa mubhadharo iyo inotsigira kukura kwe 5%, ipapo $ 300 000 ichakura uye inowanikwa nemari iyo gore negore. Paunotora maMMD ako, hupfumi hwekufa kwe5% huchagadzirisa dhora rakawanda reAidiwa Minimum Distribution (RMD). Nokukurumidza iwe unotanga urongwa uhwu usati watora makumi manomwe nehafu, huri nani nokuti $ 300 000 ichakura negore rega rega 5% usati watorwa kutora maMMD ako.
Iyi nzira yekugadzirisa inokubvumira kutora maMMD ako paunenge uchichengeta IRA yako yekutanga yenhamba yemari inenge yakanyatsogadziriswa kune varairi vedzimba dzako uye vagari venhaka.
A Straight IRA Strategic Is IRS Yakagamuchirwa uye Inobvumira Imba Yenyu Nguva dzose RMD Payments
Kana yakarongeka zvakanaka, maMRD anogona kutorwa nemarudzi akawanda (mudzimai, vana, vazukuru). Izvi zvichapa mukana wenhaka kune vagari venhaka yako kana kuderedza mitero yemitero kwenguva. Iwe haufaniri kuwana annuity kutambanudza IRA yako , asi gore rakasimbiswa rinoshanda zvakanaka neyu sarudzo nokuti inonyatsodzivirira mutungamiriri kubva pamusika kusagadzikana, uye inopa zvibvumirano zvegungano.
Hauna Kufanirwa Nekudzivirirwa KweInishuwarenzi yeUpenyu Inopa? Tenga Annuity panzvimbo
Imwe nzira yekusika kuti uwedzere kudikanwa kwemadiki mashoma (RMDs), izvo zvaunofanira kutora, ndeye kushandisa gore iroro rega rega rekubhadhara mari yeinishuwarenzi.
Kana iwe unogona kukwanisa kuwana inshurensi yehupenyu, ichi ndicho chichava chisarudzo chekutanga nokuti rubatsiro rwekufa rwaizodarika mutero-pasina kune avo vakanyorwa mazita. Iwe unofunga kuti chii chinotora mutero wemadhora chinenge chichibva kuM RMD yako, uchatenga inshuwarisi yeupenyu hupenyu hunobatsira nerufu sezvinobvira. Inishuwarenzi yehupenyu yehupenyu ndiyo inonyanya kushandiswa uye yakaderera mari yakasarudzwa inoshandiswa, uye inowedzera dhora rinoshandiswa.
Kana iwe usingafanirwi ne inshuwarisi yehupenyu, unogona kushandisa sarudzo imwe chete yekutenga kushandiswa kwema premium fixed annuity iyo inofanirwa rufu rwomubatsiri wechipfuva akabatanidzwa pamutemo. Flexible premium zvinoreva kuti iwe unogona kuwedzera mari kumutemo. Iyi annuity strategy ndiyo nzira yakanakisisa yekushandisa maMMD ako, asi kubatsirwa nerufu hakupfuuri mutero kune vasingabatsiri sehushuwarisi hwehupenyu.
Saka nguva inotevera paunotanga kuchinetseka pamusoro pekutora Minimum Distributions Yako Yakadikanwa (RMDs), panogona kunge kune sarudzo ye annuity iyo inogona kuva yakakodzera zvakakwana chirongwa chenyu chekugara nhaka.