Vakagadzirirwa Batsiri
An IRA kana 401 (k) ane mukana anogadziriswa kana iyo yakagadziriswa yakagadzirirwa fomu yekufananidzira yebhuku yekambani asati afa.
Kana imwe yeiyi yakagadziriswa vabatsiri inopukunyuka zvakashata, kambani yekubvisa mari ichapfuura zvakananga kumurume iyeye kunze kwekuongorora. Iyo inodzivisa kusvika kwevashandi vechikwereti nokuti chikamu chekuongorora kwekuongorora kunosanganisira kushandisa dzimba yefuma kuti kugutsikane nematokari akazvimirira. Kana IRA kana 401 (k) isingave chikamu cheimba, haikwanisi kushandiswa kubhadhara mari yakagadzirirwa yekupedzisira.
Chii Chinoitika Kana Hakuna Muponesi Anorarama Akararama
Kana iyo yakagadziriswa ichizadzisa fomu yekufananidzira kunobatsira vasati vafa asi avo vose vanonzi vanobatsirwa vanomutangira, chimwe chezvinhu zviviri zvinogona kuitika:
- IRA kana 401 (k) nhoroondo ichapfuura muimba yakatarwa ye probate uye ichave yakabhadhara kubhadhara mabheji ekupedzisira ekupedzisira , kana kuti
- IRA kana 401 (k) ichapfuura zvakananga kune vakadzingwa vagari venhaka- kunze kunze kwebvunzo zvichienderana nemitemo yeIRA kana 401 (k) mitemo yekubhadhara mitemo. Kana izvi zvikaitika, IRA kana 401 (k) haichazoshandisi kubhadhara mabheji ekupedzisira.
Vadyi venhaka ndivo vanhu vane ukama hwepedyo kune avo vakaderera, ivo vachange vane kodzero yekugara nhaka yavo pasina kubvuma.
Chii Chinoitika kana iyo Decedent Yakakundikana Kuzadza Fomu Rinofanirwa Kupiwa
Kana iyo decedent yakakundikana kupedzisa fomu yekufananidzira inobatsira, zviitiko zviviri zvakafanana zvinogona kuitika. Zvichida IRA kana 401 (k) ichapfuura mune imwe nzvimbo yakadzama ye probate uye ichave yakabhadharwa kubhadhara mari yakagadziriswa yekupedzisira, kana IRA kana 401 (k) ichapfuura zvakananga kune vagari venhaka, ivo vakachengeteka kubva mumaoko vatengi.
Chii Chinoitika Kana Decedent's Estate Ndiyo Anonzi Abatsiri
Hapana kungofungidzira kunobatanidzwa pano. Nhoroondo dzekusimudza dzaizopinda muimba yake kuti pakupedzisira dziende kune avo vanogara nhaka, avo vanodanwa mukuda kwake kugamuchira pfuma yavo. Asi avo vanobatsirwa vanogona kungogamuchira zvasara mushure mokunge mabhedheni ekupedzisira, mitero uye mari yekutengesa imba yacho yose inobhadharwa.
Mari yekubvisa mari inoshandiswa kubhadhara mari iyi nemari kunze kwekuti imba iine mari yakakwana kuti isakwanise kubhadhara chikwereti, sekunge kana munhu akafa aine inshuwarisi yehupenyu nemari inobhadharwa kumunda wake nokuda kwechinangwa ichi chete.
Imwe mitemo yakaoma mitero ine chokuita nenhaka ye ERISA-qualifying retirement assets, zvisinei, saka zvinogona kunge ari muurayi kana mumiriri weimba iyo yaizotanga kutengesa imwe nzvimbo kana nzvimbo yeimba inofanira kubudiswa kuti iite zvinotarisirwa.
Cherechedza: Mitemo inoshandura kakawanda uye ruzivo urwu harungarati hunochinja huchangobva kuitwa. Ndapota bvunzai gweta remazano emutemo aripo. Mashoko aya ari munyaya ino haasi mazano epamutemo uye haasi kutsiva mazano emutemo.