Nzira-Inobatsira Yekupa Mari Mari
Inodiwa Minimum Distributions
Kana iwe une tsika yeIRA, unotanga kutora kutengesa kudhura kugoverwa (RMDs) paunosvika makore 70 1/2 kunyange kana iwe usingadi kana kuwana mari panguva iyo nenguva.
Paunotora kugovera uku, vanokweretwa pamatare evanhu vanowanikwa mari-chero mutero wekubhadhara uri mugore iroro.
Kana ukakundikana kuatora, zvakanyanya kuipa. Muzviitiko zvakawanda, mutero wekutengesa skyrockets kusvika ku50 muzana yemari yaunofanirwa kutora asi haina kunyange iwe usina kushandisa mari iyoyo.
Kugoverwa kunobatsira kunobatsira (QCD) kugoverwa kubva kuIRA zvakananga kune rudo rwakakodzera, kupfurikidza nemuridzi wekambani saka haateresi pairi. QCDs inotarisa kugoverwa kwako kuderera kwegore. Kana iwe uchifanira kutora RMDs asi usingatsvaki kana unoda mari yacho, QCDs inzira yakanaka yekugovera mari shoma inoda kuwanikwa kunze kweIRA uye kudzivisa chirango.
Mutemo uyu unoshanda chete kumadzitateguru eIRAs, kwete Roth IRAs. Kana iwe une nheyo mune imwe tsika yeIRA yakasununguka, chero QCDs yaunofunga inofungidzirwa kuti inobva kunze kwekutengesa IRA mari yekutanga.
Kazhinji, kugoverwa kunoparadzaniswa zvakananga pakati pemari inotengesa uye zvisiri izvo zvisingatarisirwi.
Vanokodzera Kugoverwa Zvipo
Chinhu chinokosha cheKCD ndechokuti mari yekugovera haina kuiswa pane yako Fomu 1040 semari inowanikwa. Icho chinhu chakanaka, asi pane zvishoma zvepasipo, zvakare. IQCD haikwanise kushandiswa sechipo chekupa rubatsiro rwechipo kana iwe uchiemize iwe uchibvisa .
Izvozvo zvingava chimwe chinhu chekombiko yemutero wepamusoro wekutengeserana kwakafanana.
QCDs inogona kungobuda kunze kweyendarama yeIRAs. Havagone kubuda kubva ku SEP IRA kana SIMPLE IRA inoronga. Kunyange zvazvo zvichibvira kutora QCD kunze kweRoth IRA, kazhinji hazvibatsiri pakuita izvi nokuti Roth IRA yakaparadzirwa kazhinji isati yateresa mutero. Kuwedzera kwekufambisa mutero kwaizove kushandisa tsika dzekare dzeIRA kuti dzibhadhara QCD.
Migumisiro pakugadziriswa mari yakawanda
Nokuti mari inobva kugoverwa kwezvipo "bypasses" ye1040, QCDs inogona kushandiswa kubatsira kuchengetedza mari yako yakawandisa uye mari inobhadharwa mumutengo unoda. Izvi zvinogona kubatsira kudzivirira mari kuti isasvika pamiganhu yekusara kwemari yekubhadhara mutero kana shanduro yepamusoro yekutengesa kwemaitiro.
Migumisiro paDheji Dzakanaka
QCDs inogona kubatsira vakwegura vanotora mutengo wakakwana pane kuti iveemize nokuti hapana mutero unobatsira chero zvakadaro pakuita mhiko kune rudo apo iwe unoti kuderedzwa kwakakwana . Iwe hausi kurasikirwa nechinhu nekuita QCD. Nokuda kwekuti haisi-itemizers, kupa zvipo kuburikidza nekutsanangurira kubuda kunze kweIRA ndiyo nzira chete yekuwana mutero unobatsira unobva pamupiro wavo.
Mvumo yekufanirwa kweQCDs
Iwe unofanirwa kunge uine makore makumi manomwe nemakumi maviri nemakore panguva yakakosha yekugoverwa.
Mari yacho inofanira kutungamirirwa zvakananga kubva kuIRA kuchengetedza kune yakakodzera rubatsiro-uye "akakodzera" ishoko rinokosha pano. Rudo runofanira kunge rwunogamuchirwa ne IRS. Iwe haugoni kungoisa mari yacho kune muvakidzani wako. Zvikwereti zvakakodzera zvinosanganisira 501 (c) (3) masangano nedzimba dzekunamatira. Mubatsiri akakumbira mari uye izvo zvinonzi zvikwata zvinotsigira hazvibvumirwi kugamuchira QCDs pamutero unobatsira.
I IRS inoratidza kuti inogamuchirwa nzira yeIRA inodzivirira kuita chekiti inobhadharwa kune sangano rinopa rubatsiro uye rega muridzi weIRA ataure cheki kune rudo
Iko mari yakawanda inogona kupiwa kuburikidza nekugoverwa kunobatsira kunokwana $ 100,000 pagore pamudzidzi weIRA.
Mitemo yemitero inoshanduka nguva nenguva uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota sangana nemudzidzisi wezvemitero kune mazano akawedzerwa kusvika kune rimwe. Mashoko aya ari munyaya ino haatauri semazano emitero uye haisi kutsiva mazano emitero.