Kupera Periodic Periodic Pension kana Annuity Plan
Kugoverwa kweperiodic kubva purogiramu kana purogiramu yepagore kunokonzerwa nekudzivisa kushandisa nzira imwechete semari yemari, kuburikidza nekushandiswa kwekuregererwa kwemari yekutsvaga kutarisa huwandu hwemitero yekudzivisa.
Iwe unoudza mutungamiri weurongwa hwako hwekurega basa hwekubvisa mari yako yekushandisa kushandisa Fomu W-4P. Vanhu vanogonawo kusarudza kusava nemutero wakachengetwa pamaparidzi periodic nekuongorora bhokisi 1 paFomu W-4P.
Pakuparidzirwa 575, IRS inoti, "Kana ukasarudza kusachengetedza, mari yako yepamusoro kana imwe nguva yakafanana yekubhadhara (kunze kwekukodzera kubhadharwa kwevana) ichabatwa semubhadharo wekuchengetedza zvinangwa.Kubhadharwa kweperio inowanikwa nguva dzose (yakadai sevhiki nevhiki, pamwedzi, kana gore) kwenguva yakareba kupfuura gore rimwechete (yakadai semakore gumi nemashanu kana yehupenyu) Unofanira kupa mubhadhati chikwata chekudzivirira chikwata (Fomu W-4P kana fomu yakafanana inopiwa nemubhadhara). iwe hausi, mutero unenge uchingorambidzwa sekunge iwe wakaroora uye uchitaura zvitatu zvisingabatsiri zvipo. "
Nonperiodic Kugoverwa kubva kune mumwe Munhu Wokurega Mari Maererano
Nonperiodic kugoverwa kubva kumabhengi evanhu vakasiya mari uye annuities vari pasi pekuregererwa kwehurumende yemari yemutero paine flat flat rate ye 10%.
Kugoverwa kwepasiodic kune chero kuparadzirwa kusingadzokeri nguva nenguva, zvakadai sekugovera nguva imwe chete. Mukuparidzirwa 575, IRS inoti, "Kana ukasarudza kusina kubhadhara, iyo inorega kutengesa kwepasiperiodic distribution (kubhadhara kunze kwekubhadhara nguva periodic) iyo isina kukodzera rollover kugoverwa ndeye 10% yekuparidzirwa.
Iwe unogonawo kubvunza mubhadhari kuti asiye mari yakawedzerwa uchishandisa Fomu W-4P. "
Kunyanya, maererano nekodhi rimwe rekuchengetedza mari, IRS inotaura muPublication 590, "Mutero weHome huripo unoregererwa kubva pakugoverwa kubva kumadzitateguru eIRA kunze kwokuti iwe usarudza kusabhadhara mutero usingabhadharwi."
Nonperiodic Kugoverwa Kubva Purogiramu Yekubvisa Mubairo
Nonperiodic kuparadzirwa kubva kumushandi wepamberi yekushandira (zvakadai 401 (k) kana 403 (b) zvirongwa) zvinotarisirwa kuregererwa mutero wemutero kune imwe nzvimbo yakazara ye20%. Nonperiodic kugoverwa kubva purogiramu yevashandi kunosanganisira zviyero zvemari, kusanganisira kugoverwa kunogona kuendeswa kune rimwe urongwa. Zvisinei, kana kugoverwa kuri kuendeswa kune imwezve urongwa hwekusarura mumutrasti-to-trustee kutumirwa, zvino mutero haudi kuiswa.
Kudzivisa Social Security Benefits
Vateresi vanogona kusarudza kuva nemutero wemutero unoregererwa kubva kune Social Security benefits . Mutero weHome huripo unogona kudzivirirwa pamwero we 7%, 10%, 15%, kana 25%. Shandisa Fomu W-4V (PDF) kuitira kuti Social Security Administration izive mutero waungada kuti udzivise.