Chii Chinonzi Bhuku Rokuparadzira Inobatsira (BDA) IRA?

Kunzwisisa Zvaunosarudza seMubatsiri weIRA Inhaka

Kuzvimirira Kwemunhu Pamwe Chete (IRAs) inzira yakanakisisa yokuunganidza zvinhu mumutero wekubhadhara mutero. Zvisinei, apo mupi wepakutanga weIRA apfuura pane mitsva yemitemo inotungamirira kuti uye sei kana kugoverwa kwemabhuku kuchiitika. Kana iwe uri munhu anonzi akawana rubatsiro rweIRA unoda kunzwisisa zvakakwana zvaunogona kuita kuitira kuti iwe ugone kuita sarudzo iyo ndiyo yakanakisisa yeurongwa hwako hwehupenyu hwose.

Chii Chinonzi Mupiro Wekuparadzira Account?

Bhuku Rokuparadzira Inobatsira, kana BDA, ndiro rimwe zita reHurumende IRA. Kana iwe uine nhaka yeIRA pane mitemo yakatarwa yemitero yemitero inogadzirisa kuparadzirwa kwegore negore unofanira kutora. NeIRA Inhaka, iwe uchafanirwa kutora kuparadzirwa kwegore negore pasinei nokuti uri wekare sei panguva iyo akaunti yako yakasimbiswa. Muzvizhinji, kuparadzirwa ikoko kunofanira kuitika mukati mehupenyu hwako kana mukati pemakore mashanu mushure mekunge gwaro rekambani rekare rakapera.

Heino mhedziso yekusarudzwa kwako kwekusiya uye mitero yemubhadharo kana uchiwana IRA somunhu asingabatsiri nemudzimai. Kana iwe uri mukana wekupedzisira weimba yeARA mubhizimusi pane mitezo yakasiyana yemitemo pamusoro pezvingaitwa neIRA inotora nhaka (ona Mitezo yeMitero Kana Uri Mudiwa Anopona ).

Kana iwe uri muwani asiri iwe unobatsirika iwe une zvisarudzo zvakasiyana-siyana zvokusarudza kubva zvichienderana nehuwandu hweARA account iwe unotora nhaka (Traditional IRA, Roth IRA, nezvimwewo) uye nguva yewaiti webhuku.

Kana iwe uine nhaka yeChechi, Rollover, SEP, kana SIMPLE IRA uye mubhengi wekambani aiva ANO 70 ½ une zvingasarudzwa:

Lump Sum Distribution: Iyi sarudzo haiti kuti iwe ugadzire imwe kero yakasiyana sezvo mari yose mu IRS inoparidzirwa kwauri. Iwe uchabhadhara mitero yemari pamubhadharo ose panguva imwe chete.

Kunyange iwe usingakwanisi kuwana 10% kubva pakutanga kubvisa chirango kana iwe uri pasi pemakore 59 ½ uchange uchiripo kubhadhara mutero wemari pane kuparadzirwa. Izvi zvine mukana wekusika dzimwe nyaya dzekuteresa nokuti kugoverwa kunogona kukuendesa kune yakakwirira bheji. Kusarudza kana chikwama chemari chinopararira chinonzwisisika iwe pakupedzisira chinoenderana nehuwandu hwekupararira, yako yazvino yemari yepamusoro, uye kana dzimwe nzira dzekutsvaga mitero dzinoita kuti zvive nenjere.

Inhaka yeIRA Iine Upenyu Mikana Inotarisirwa: Kuzarura IRA Inhaka nehupenyu hwekutarisira nzira inokubvumira kuendesa zvinhu mumabhuku akanyorwa muzita rako. Iyi ndiyo iyo "Account Account Distribution Account" ine mitemo inokosha yekucherechedza. Iwe unotanga kutanga kutora mashizha mashoma anowanikwa gore negore (RMDs) pamusoro pekutarisira kwehupenyu hwako kutanga pashure kwekunge gore raitevera rufu rwemugadziri wekutanga. Zvisinei, kana muridzi wekambani asina kutora kushandiswa kwadzo kuduku mugore rekufa, maMMD anofanira kutorwa pakupera kwegore mutengesi wekutanga wekamberi akafa.

Kana imwechete RMD inotanga muNhaka Yakapiwa, iyo kuparidzirwa kwegore negore kunogona kupararira pamusoro peiyo ipi zvayo inenge iri kwenguva refu-kutarisira kweupenyu hwako humwechete (yakatarwa nezera rako mugore rekarenda rinotevera gore rekufa nekudzokororazve gore roga roga) kutarisira.

Muitiko iyo mubhuku webhuku anonzi vazhinji vanobatsirwa, nhoroondo dzakasiyana dzichadikanwa kusimbiswa musi waDecember 31 wegore rinotevera gore rekufa. kana zvisina kudaro, kugoverwa kuchave kwakavakirwa kune mukuru wepakutanga. Zvinoshandiswa Minimum Distributions (RMDs) zvinotenderwa uye iwe uchakweretwa kune imwe neimwe kugoverwa. Zvisinei, iwe haungatariswi ne 10% yekutanga kubvisa chirango. Chimwe chikomborero ndechokuti zvinhu zvakasara mubhuku racho zvinogona kuramba zvichikura pamusana pekodzero yakasarudzwa. Pakupedzisira, iwewo unogona kusarudza kusarudza weIRA yako inobatsira kana kuti vazhinji vanobatsirwa neIr nhaka yako.

Kana iwe wakagara nhaka yeChechi, Rollover, SEP, kana SIMPLE IRA uye mubati webhuku waiva UNDER 70 ½ une zvinhu zvinotevera:

Lump Sum Distribution : Iyi sarudzo haiti kuti iwe ugadzire imwe kero yakasiyana sezvo mari yose mu IRS inoparidzirwa kwauri.

Iwe uchabhadhara mitero yemari pamubhadharo ose panguva imwe chete. Kunyange iwe usingakwanisi kuwana 10% kubva pakutanga kubvisa chirango kana iwe uri pasi pemakore 59 ½ uchange uchiripo kubhadhara mutero wemari pane kuparadzirwa. Izvi zvine mukana wekusika dzimwe nyaya dzekuteresa nokuti kugoverwa kunogona kukuendesa kune yakakwirira bheji. Kusarudza kana chikwama chemari chinopararira chinonzwisisika iwe pakupedzisira chinoenderana nehuwandu hwekupararira, yako yazvino yemari yepamusoro, uye kana dzimwe nzira dzekutsvaga mitero dzinoita kuti zvive nenjere.

Inhaka yeIRA Iine Upenyu Mikana Inotarisirwa: Kuzarura IRA Inhaka nehupenyu hwekutarisira nzira inokubvumira kuendesa zvinhu mumabhuku akanyorwa muzita rako. Iyi ndiyo iyo "Account Account Distribution Account" ine mitemo inokosha yekucherechedza. Iwe unotanga kutanga kutora mashizha mashoma anowanikwa gore negore (RMDs) pamusoro pekutarisira kwehupenyu hwako kutanga pashure kwekunge gore raitevera rufu rwemugadziri wekutanga. Zvisinei, kana muridzi wekambani asina kutora kushandiswa kwadzo kuduku mugore rekufa, maMMD anofanira kutorwa pakupera kwegore mutengesi wekutanga wekamberi akafa.

Kana imwechete RMD inotanga muNhaka Yakapiwa, iyo kuparidzirwa kwegore negore kunogona kupararira pamusoro peiyo ipi zvayo inenge iri kwenguva refu-kutarisira kweupenyu hwako humwechete (yakatarwa nezera rako mugore rekarenda rinotevera gore rekufa nekudzokororazve gore roga roga) kutarisira. Iyi sarudzo inowanzotumidzwa seStretch IRA nekuda kwekwanisi yekuwedzera kupararira pamusoro pekugara kwehupenyu hwako asi uchiri nekwanisi kutora zvinopfuura RMD kana zvichida.

Muitiko iyo mubhuku webhuku anonzi vazhinji vanobatsirwa, nhoroondo dzakasiyana dzichadikanwa kusimbiswa musi waDecember 31 wegore rinotevera gore rekufa. kana zvisina kudaro, kugoverwa kuchave kwakavakirwa kune mukuru wepakutanga. Zvinoshandiswa Minimum Distributions (RMDs) zvinotenderwa uye iwe uchakweretwa kune imwe neimwe kugoverwa. Zvisinei, iwe haungatariswi ne 10% yekutanga kubvisa chirango. Chimwe chikomborero ndechokuti zvinhu zvakasara mubhuku racho zvinogona kuramba zvichikura pamusana pekodzero yakasarudzwa. Pakupedzisira, iwewo unogona kusarudza kusarudza weIRA yako inobatsira kana kuti vazhinji vanobatsirwa neIr nhaka yako.

Inhaka yeIRA Nenzira Yegore Ichishanu: Kusarudza sarudzo iyi kunosanganisira kutumira zvinhu muIra Inhaka muzita renyu. Kutonga kwemakore mashanu kune avo vasiri vatsigiri vemunharaunda vanokubvumira kuti ubvise mari yose kubva kuIRA naDecember 31 wegore rechishanu mushure mekufa kwemurairi weIRA. Izvi hazvifanirwi kuitwa pamutengo wekugadzirisa asi iwe unofanira kubvisa mari yose isati yatarwa zuva rinoshandiswa panguva iyo iyo yose iyo inofanirwa kubviswa. Kugoverwa kwega kwega kuchabatwa semari inotora mari. Zvichengetedza mari inoramba ichingokura mitero-yakasarudzwa kwemakore mashanu zvichikupa mamwe mafungiro kana ukasarudza sarudzo iyi.

Nhaka Inhaka Sei IRA Inotonga Kusiyana neRoth IRAs:

Kana iwe wakagara nhaka yausina kuroorana naye Roth IRA une zvese zvinotevera:

Lump Sum Distribution: Sezvakafanana neChechi yeIra inotonga, mari yekusagadzikana haigoni kuti iwe ugadzire kero yakasiyana sezvo mari yose mu IRS inoparidzirwa kwauri. Roth IRAs inobvumira kusunungurwa kwemitero kusina mutero kune muridzi wekutanga wekodha chero bedzi iyo nhoroondo isingasviki makore mashanu uye mutenzi wepakutanga anenge 59 ½. Vanobatsirwa neRoth IRA vangagamuchira zvese zviri muRoth IRA semari yekusungirirwa kwemari uye hapana zvipingamupinyi zvezera. Izvo zvipo zvichange zvisingabhadhara mutero kunze kwekuti iyo nhoroondo isati iri pasi pemashanu yemakore panguva yekufa kwekambani yekambani. Muchiitiko ichocho, mari inowanikwa inotorwa semari inotengesa.

Inhaka yeIRA ine Upenyu Husingatarisiri Nzira: Roth IRAs ine chinhu chakasiyana nechakuti havana RMD panguva yeupenyu hwemuumbi wekambani. Inherited Roth IRAs dzine maMDD anosungirwa uye izvo zvinoparidzirwa zvinotanga kutanga pashure kweDecember 31 wegore rinotevera rufu rwemugadziri webhuku. Mashoko akanaka ndeokuti kugoverwa kunogona kubviswa pasina kubhadhara mutero chero bedzi makore mashanu ekubata nguva akazosangana nemuridzi wepakutanga. RMDs inopararira pamusoro pehupenyu humwe hutariro hwemunhu anobatsirwa. Muchiitiko ichi kune vazhinji vanobhadhara vanoparadzanisa zvigwaro zvinofanira kusimbiswa. Kana zvisina kudaro, kugoverwa kuchave kwakakonzerwa nekutarisira kweupenyu hwemupi mukuru mukuru. Hakusi 10% yekutanga kutora zvimhosva uye zvinhu mukati mekambani inoenderera mberi kukura musero. Iwe unogona kunyange kusarudza kuratidza vatsigiri vako.

Inhaka yeIRA Nenzira Yegore Ichishanu: Kusarudza sarudzo iyi neA Account Account Distribution Account inokupa kusvikira pakupera kwemakore mashanu shure kwekufa kwemuyo wepakuvamba. Panguva iyoyo, iyo yose Inherited IRA inofanira kugoverwa zvizere. Apo kuparadzirwa kunogona kupararira kwemazuva, kureba kwenguva kunopfupika kudarika mararamiro ekutarisira upenyu. Kugadza IRA Inhaka muzita rako kunokupa kukwanisa kutumidza iwe pachako iwe unobatsira uye iwe unogona kubvumira kuti zvinhu izvozvo zvikure usingaregi mutero kwemakore mashanu.

Mukupfupisa, Mazano Okuparadzira Mazano (Inhaka yeIRAs) anokupa kukwanisa kuwedzera kuchinja uye kutarisira nguva yekugamuchira nhaka inotora nhaka. Muitiko kana shamwari kana nhengo yemhuri yakakusarudza iwe semubatsiri weChechi yavo kana Roth IRA, iva nechokwadi chokuti unonyatsoongorora zvaunosarudza uye kuti zvinopindirana sei muurongwa hwako hwehupfumi.