Sei Tichifanira Kugadzirisa Zvaungaita NeChirongwa Chekare Chokubatira Matambudziko
Kuongororwa kwakaitwa naDeitteitte vakaona kuti zvikamu zviviri kubva muzvitatu zvemakumi ezviuru zvemagadziro zvinoronga kusiya kambani yavo mumakore mashanu kana pasi. Kana iwe uchinge waita kune vashandi vese vezera rose vanogona kuchinja mabasa kana kuti varasikirwa navo vasingabatsiri, chigumisiro vashandi vakawanda munyika muno vanoda kusarudza pamusoro pezvavanenge vachiita nevanenge vachangobva kuve- chirongwa chekuchengetedza mari yekushandira (semuenzaniso, 401 (k ), 457 kana 403 (b) chirongwa).
Kana iwe uri basa-kuchinja mushandi uye uzviwanire mumamiriro ezvinhu aya apo iwe unofunga kuti chii chaunofanira kuita neurongwa hwekare hwekurega basa, zvaungasarudza zvinosanganisira zvinotevera:
- Siya akhawunti yako pane iyo (Cherechedza: ichi kazhinji kacho chisarudzo kana sarari yako iri pamusoro pemamwe mazinga, kazhinji $ 5,000)
- Rongedza mari yebhuku zvakananga muurongwa hwevashandi vako vatsva (kana vakapa imwe uye vagamuchira rollovers) kana IRA itsva kana iripo
- Ita rollover isina kurongeka kune chirongwa chako chekurega basa kuburikidza nemushandi wako mushandi (kana akapiwa) kana IRA
- Tora kugovera mari
Haisi kutamisa kufamba nenzira yakarurama kunogona kukutengesa hukuru hwekuunganidza kwako.
Zvikonzero Zvokufungidzira Kusiya Aunti Yenyu Ikoko Icho
Makambani mazhinji anokubvumira kuti uchengetedze mari yako yekurega mari muzvirongwa zvavo mushure mokusiya basa rako. Sezvo ichi chisarudzo chekutanga chisingadi chiito, inowanzosarudzwa kuburikidza nekuita chinhu. Asi kusiya 401k yako pane iyo haisi nguva dzose nyaya yekudzivisa nokuti kune zvikonzero zvepamusoro zvekufungidzira kusiya chikamu chako chekurega basa pazviri.
Zvimwe zvezvakanaka zvekuchengeta urongwa hwako hwekusarura newaimboimbova mushandi dzinosanganisira zvinotevera:
- Kuparadzana Kwemitemo Yebasa: Unogona kutora chirango chisina kubhadhara kubva kumushandi wepamberi yekubhadhara mari kana iwe ukasiya basa rako kana gore rapera iwe wava nemakore makumi mashanu nemashanu uye unotarisira kutanga kutora zvigadziriswa usati wasvika 59½.
- Kuzivikanwa Kwekutsvaga Kwekutsvaga Zvokuita: Kana uchida kusarudzwa kwekutsvaga mune imwe yaimbova yevashandi yekugadzirisa hurongwa (kana kuti haisi chokwadi chekuita nayo iko zvakadaro), iwe unogona kubatisisa pane izvo zvinowanzozivikanwa kusvikira iwe wagadzirira kuita chisarudzo chakanaka.
- Zvikamu Zvishoma: Mazano akawanda ekubhadhara mari anoshandiswa nevashandirwi anopa vatori vechikamu kupinda muzvikoro zvekugoverana mari pamwe chete uye mari inodhura mari, kunyanya avo vanotsigirwa nevashandirwi vakawanda. Funga kuchengeta mari yako yaivepo pane iyo iripo kana iwe uchida mari yakasungirirwa (kureva, iyo yakadhura-mari) kana zvisarudzo zvakasiyana-siyana zvekutsvaga muurongwa hwako hwekare kuti urege kukwanisa kupinda kana kubata muIRA.
- Professional Guidance: Zvirongwa zvakawanda zvekushandira mari zvinopa hutano hwakanaka hwekutarisira mari nemakwikwi ekukwikwidza iwe waungada kuchengetedza.
- Kudzivirirwa Kunopomerwa Mhosva: Vashandirwi-vanobhadhara zvirongwa zvekurega basa vanopa chikwereti chakadzivirirwa pasi pemutemo wehurumende kupfuura chinopiwa neIRA.
Shandisa Nzvimbo Yenyu Yekare 401 (K) Assets Kupinda Muhurongwa Hutsva Womuvashandi Kudzivirira Mitero uye Kurangwa
Iwe unesarudzo yekurega kubhadhara mitero (uye kubhadhara 10 muzana kare kare kubvisa chirango) nokuzadzisa mutungamiri, kana mutrusti-to-trustee , kutamisa kubva kurongwa hwako hwekare kuenda kune chirongwa chemugadziri wako.
Zvakanakira kusunungura rekare rekubhadhara rekuita kune chirongwa chemuchato wenyu chitsva chinosanganisira zvirevo zvakambotaurwa kare kuchengeta account yako neurongwa hwekare. Asi zvinogona kuva nyore kubhadhara zvishoma kubhadharo yako yekare yekurega basa kubva panguva yaunenge usisakwanisi kuita mimwe michero kana wasiya basa. Kuti uwane nyore, kutora makore 401 (k) yehupfumi kuurongwa hwako hutsva kunogona kuita kuti zvive nyore kutarisa kusachengeta mari yako.
Iwewo unokwereta simba kana chirongwa chako chitsva chekurega basa chichibvumira vatori vechikwereti kubhadhara kubva kune zvakagadziriswa zvinhu zvavo pamutengo wakaderera wekufarira. Kana iwe uchikanda hurongwa hwako hwekare muurongwa hwako hutsva, uchava nechepamusoro-soro yezvinhu zvinokweretwa. (Chimwe chikwereti chinowanikwa chikwereti 50% yemari yako yakasungwa kusvika ku $ 50,000, asi tarisa nemurongwa wako mutungamiri pane zvakananga zveurongwa hwako.)
Heano matanho mashomanana anokosha ekutora kuti kubudirira kuendesa zviyo kune chirongwa chako chekurega basa chawakashandira:
Danho 1: Sarudza kana mushandi wenyu mutsva ane chirongwa chinorondedzerwa chirongwa, sa 401 (k) kana 403 (b) , iyo inobvumira rollovers kubva kune dzimwe zvirongwa. Shandisa nguva yekuongorora hurongwa hutsva hwekutsvaga mari kuronga kuti iwe uchagutsikana navo uye ivo vanokodzera nzira yako yekutsvaga mari. Kana mushandi wako mushandi asina chirongwa chokubvisa basa kana kana zvikwereti zvinyorwa zvisiri izvo zvisingafadzi, funga kuramba uri muchirongwa chako chekare chemushandi kana kuisa rollover IRA itsva pachikwereti chebato, bhangi, kana kuti nekambani yekutengeserana yaunosarudza .
Nhanho 2: Kana ukasarudza kuti kubhadharira kero yako yekare yekurasira muurongwa hwemushandi wako huri musoro, taura nemunhu akakodzera mukambani yako kana HR uye unokumbira mirayiridzo yekuita mupirollover. Kana iwe ukaita chisarudzo chekukanda account yako kuIRA, taura neIRA munyori wekukumbira mirayiridzo yakananga kuti uone kuti hauiti chero zvikanganiso uye iwe unogadzira chiitiko chinotengesa. Iwe unogona kunge uchizadza mapepa kuti ugadzire Revidence Retirement Account kana iwe usati watova imwe yakagadzwa. (Ona Zvaunofanira Kuziva Usati Watanga IRA Rollover )
Mirayiridzo yaunogamuchira inowanzosanganisira rudzi rwehuwandu hwemashoko:
- Zita rerongwa hwekubvisa basa kana kuti rekuchengetedza - uyu ndiye uyo kugoverwa kuchabhadharwa.
- Nhamba yako nhamba yako.
- Itaiti yeepaiti yekutumira chikamu - kana iwe uchigamuchira kugoverwa ne cheki.
- Mutero wekutengesa faira - kana kugoverwa kunogona kuiswa pamagetsi.
Kana iwe uchida rubatsiro nerwendo rwako rollover, dhipatimendi rako reHuman Resources kana mutariri weIRA anogona kukubatsira.
Nhanho 3: Kufambira mberi kunosangana nebazi rako rekare reHR kana 401 (k) mutungamiri kuti akumbire kugoverwa. Iwe unofanirwa kuva nemashoko akawana muTanho 2 akagadzirira kuenda. Ingova nechokwadi chekusarudza "direct rollover " kana "trustee-to-trustee kutumira" sechirudzi chokuparidzirwa. Kuchinja kunogona kutora mavhiki mana kusvika matanhatu, asi mapuranga ezuva anosiyana uye anogona kutora nguva shoma zvichienderana nemutongi.
Kutungamirirwa zvakananga ndiyo yakanakisisa uye yakasarudzwa sarudzo kubva mumaonero emitero uye zvikwereti. Izvo zvinosarudzwa, imwe nzira isina kurongeka, haisi nyore kana yakakodzera.
Nzira dzisina kukodzera Dzinogona Kuoma Kubata
Neine rollover isina kurongeka , unogamuchira cheki yekuyera kwekero yako iyo yakabhadharwa kwauri . Zvisinei, semugumisiro, iwe zvino wava kugona kuitora kunzvimbo yakarurama. Iwe uchave nemazuva makumi matanhatu ekupedzisa nzira yekurollover yekuendesa zvinhu izvi kune chirongwa chebasa chako chemushandi kana IRA.
Kana iwe usingakwanisi kupedza rollover mukati mewindo remazuva makumi matanhatu, iwe uchazobhadhara mutero wemari pamutengo wawakakundikana kupfuurira, uye kana uri pasi pe 59½, iwe uchasangana nemamwe 10 muzana yekutengesa mutero. Kutanga muna 2015, rollovers dzisinganzwisisiki dzinogadziriswa ne-rollover-per-year rule.
Hazvina mhosva kuti mazano ako chaiwo ndeapi mari, mushandi wako wekare anonzi haafaniri kutora makumi maviri kubva muzana kubva kugoverwa kwako kune feral revenue tax purposes. Kuti urege kubhadharwa uye kupiwa mhosva pane iyi 20 muzana, unofanira kukwanisa kuisa pamwe chete mari yakakwana kubva kune zvimwe zvinyorwa kuti uvhare mari iyi uye uiise nayo nerollover yako. Zvadaro, iwe unofanira kutarisira kusvikira gore raitevera apo iwe unogona kutora mutero wako wekudzorera kuti uwane zvakakanganiswa zvekare.
Somuenzaniso, ngatimbofungidzira kuti 401 (k) kana 403 (b) kubva kumushandi wako wekare anekwana $ 100,000. Kana iwe ukasarudza kutora zvizere kubva kubhesi iyo, iwe waunoshandira wekare unofanirwa kubvisa 20 muzana, kana $ 20,000, uye kukutumira cheki ye $ 80,000 inosara. Kuti usabhadhara mitero uye zvikwereti pa $ 20,000 izvo zvakadzivirirwa, iwe unosvika kusvika mazuva makumi matanhatu kuti ufukidze mari yakazara, kureva $ 100,000. Sezvo iwe uchinge uine cheki ye $ 80,000, uchasvika kune imwe $ 20,000 kubva pane imwe nzvimbo. Pasinei, iwe unofanira kutarisira kusvikira iwe udzorera mutero wako wekubhadhara kuti uwane zvose kana chikamu chemari iyi kumashure (zvichienderana nezvimwe mimwe mitero iwe une chikwereti uye mari yaibviswa). Tine tarisiro, une $ 20,000 akarara pasi kuti ubatsire nekuendesa; Kana zvisina kudaro, mari yaunokundikana kuenderera mberi ichabatwa sekushambadzirwa kwekutengesa zvichienderana nemitengo.
Kutora Cash Distribution Ive Ive Chisarudzo Chinokosha
Kudzivisa kupararira kwemari kunogona kukuchengetedza mumitero uye zvikwereti. Izvozvo ndezvokuti chikamu chero chipi zvacho chaunokundikana kuputika chichabatwa sekushambadzirwa kwekutengesa. Somugumisiro, iyo inenge ichishanda kune chikamu chezana chezana kana iwe uri pasi pezera remakore 59½. Sezvo chikamu chekubhadhara chichawedzerwa kune imwe ipi inowanikwa mari yaunowana iwe mugore, iwe unogona kuenda kune yakakwirira bheji.
Kushandisa muenzaniso wekare, kana muteresi mumwe chete ane $ 50,000 yemari inotengesa mari yakasarudza kusafambisa chikamu chipi zvacho chekupararira kwe $ 100,000, vaizozivisa $ 150,000 emari yekubhadhara mari yegore. Izvi zvaizovaendesa kubva kune 25 kubva muzana mubhadharo bhatikiti kune 28% yemukero webhasikiti. Uyezve, vaifanira kuudza $ 10 000 mune imwe mimwe mitero yemhosva kana iri pasi pemakore 59½.
Mari inoparadzirwa inofanira kungofungidzirwa mumamiriro ezvinhu akaoma ematambudziko emari akadai sokunge iwe uri kutarisana nekufananirwa, kubviswa, kana kudzorerwa. Kana iwe uchifanira kuenda mumugwagwa ugoenda chete mari inodiwa kuti uvhare dambudziko racho pamwe chete zvinoshandiswa mutero uye chirango.
Saka, kana uchifunga nezvekuenderera mberi kune rimwe basa - kana wakatotanga kufamba - rongedza zvese zvaunogona kuita kuti uite zvisarudzo zvine ruzivo pamusoro pezvaunofanira kuita nemari yekurega mari yawakasiya.