Chii chinonzi Required Minimum Distribution (RMD)?

Zvinowanikwa nevatengi vese Vanofanira Kuziva Nezvo Kunodiwa Minimum Distributions

Zvinotarisirwa zvishoma zvishoma, izvo zvinowanzozivikanwa seMMD, inoparidzirwa zvakasununguka-musangano kubva pane chirongwa chekurega basa . Aya maMDD anotonga zvinotora chikamu chiduku chaunofanira kubvisa kubva kubhuku ravo gore roga rokutanga kubva pazera remakore 70½. Zvinoshandiswa zvishoma zvinoshandiswa kugovera mitemo zvinouya kune iyo apo IRS ichapa mitero inobhadharwa nemari inotengeswa muurongwa hwekuita basa rekuita basa semakore 401 (k), tsika dzekare dzeIRA, kana SEP IRA, haugone kuchengetedza mari mumatare aya zvachose.

Pakupedzisira, IRS inoda kutora chikamu chacho.

Nzira Inodiwa Yakadii Yokuparadzirwa Kwebasa

Zvinotarisirwa zvishoma kugoverwa mitemo zvinodzivirira kuti IRS inowana mukana wekutora mitero pamubhadhara wekusimwa kusvikira kusvikira kutanga kwekutora kwave kuchibviswa kana kusingabhadhara mutero kusvikira panguva iyi.

Kune vazhinji vakasiya basa, mitemo yeMMD haina maitiro chaiwo ekushandisa kwavanoita mari yavo yekurasikirwa, sezvo vazhinji vanotanga kutora zvakapararira zvakanaka vasati vava nemakore 70½ senzira yekuwana mari mukutora basa. Muzvokwadi, kunze kwekutora kuparadzanisa nguva isati yatarwa, vazhinji vakasiya mari vanobvisa zvinopfuura zvishoma. Asi kune avo vanogara mubhadharo vane ruzivo rwemamwe mabasa ekurega mari kana avo vangave vasiri kushandisa mari yavo mumabhuku avo ekudzidzira basa rekurega basa, zvinodiwa neM RMD zvinopinda mukati uye zvinogadzira mari inotengesa. Uye sezvinongoita imwe mari yekubvisa mari, iwe unogona kuisa RMD yako kumari, mari inoshandiswa yekutengesa, kana kunyange chipo chemari kune rudo.

Mari yacho ndeyako. Chinhu chimwe chete chausingakwanisi kuita ndechokuti udzose mari yacho kune imwe yero yakakodzera yekurasikirwa.

Maererano neRMD mitemo, kutanga naApril 1 mushure mokunge mava nemakore makumi manomwe nemaviri, munofanira kutora kugoverwa kwegore negore kubva pamarongwa enyu ekurasira , sezvakaitwa 401 (k) neIRA. Mari yaunofanirwa kubvisa inobva pakukosha kweakaunti yako pakutanga kwegore raunoda kutora kugovera.

Izvozvo zvose zvino zvakagoverwa nehupenyu hwako hwekutarisira sekusarudzwa ne IRS.

Chirango chekukundikana kutora Zvido zvishoma Zvinoshandiswa

Kana iwe uchiri kushanda uye uchipa purogiramu yakarongeka se 401 (k) pazera remakore 70½, unogona kubvumirwa kunonoka kutora kushandiswa kwako kuduku, asi huchaenderana nemitemo yeurongwa hwako. Kana zvisina kudaro, musi waApril 1 mushure mokunge mava nemakore 70½, iwe unofanirwa kutanga kutora kugoverwa kunozoverengwa sechikamu chemari yako inotengesa. Kana iwe usingatori RMD yako, iwe unenge uri pasi pechirango chakasimba. Chirango chekusatora RMD yako mutero we 50% pamutengo wakanga usiri kutorwa munguva.

Nzira Yokuenzanisa Nayo RMD Yako

Sezvo iwe pachako uchidikanwa uchidikanwa kushandiswa wakasiyana nehupamhi pane kukosha kwako kwekodha, iwe unoda kushandisa kukosha kwehuwandu hwebhuku rako pazera remakore 70½ kuti uverenge kuenzanisa kweMMD. Pano matatu matatu akakwana RMD calculators kuti akubatsire neyo inofungidzira. Vazhinji vakagadzirira basa rekuchengetedza basa rekuchengetedza mari kana vashandi vezvemari vachaverenga maMMD enyu kwamuri, asi havakwanisi kuita kudaro. Apo panouya nguva yekuita chokwadi kuti uri kutora kugovera kwakakodzera, iva nechokwadi chokuti une mafananidzo akakodzera.

Zvakakosha kucherechedza kuti Roth IRAs haisi pasi pemitemo yeMRD kunze kwekuti inotora mazita, iyo iyo mitemo yakasiyana yekuparidzika inoshanda.