Pasi pane gumi inowanzobvunzwa mibvunzo pamusoro pekuti aya aya IRA rollovers uye anoshandura sei basa, uye zvaunogona uye haugone kuita.
Hoving Funds Pachinenge Chichishanda
Nzira dzakawanda dzehurongwa hwekubvisa mari dzekambani hazvibvumi kuti uende mari kunze kwechirongwa iwe uchiri kushanda. Kuti uone kana vachidaro, unogona kudana chirongwa chako chinotsigira, uye bvunza kana vachibvumira izvo zvinonzi "kushandiswa kwebasa-kushandiswa". Chirongwa hachifaniri kubvumira izvi.
Kugoverwa kwe-kushanda kune rudzi rwakasiyana rwekutengeserana kudarika chikwereti kana kubvisa kunetseka. Kugoverwa kwebasa inotengeswa apo iwe unogona kukwira pane chikamu chemari muurongwa hwako mu akaunti yeIRA inotungamirirwa iwe uchiri kushanda. Zvimwe zvirongwa zvinobvumira izvi.
Kana uchinge usisiri kushanda ipapo, mitemo inoshanduka. Panguva iyoyo zvinganzwisisika kufambisa mari kubva purogiramu yako kupinda nhoroondo yeIRA. Kuti urege kudzivisa mutero, iwe unoda kusarudza izvo zvinonzi zvakananga IRA rollover apo cheko rinoshandiswa kuribhadhara kune imwe nzvimbo yezvemari semutongi mutsva kana kuchengetedza .
Kunyange zvazvo vanhu vazhinji vachifunga nezveRRA rovering semari inoshandiswa kubva kune 401 (k) kune IRA, kunewo reverse rollover apo iwe unofambisa IRA mari zvakare mu 401 (k) chirongwa . Kana uine zviduku zveIRA munzvimbo dzakawanda, uye urongwa hwako hwevashandirwo hunotipa mari yakasarudzwa kusarudzwa nemari shoma, kushandiswa kweiyo reverse rollover nzira inogona kuva nzira yekubatanidza zvinhu mune imwe nzvimbo.
Mitero Yemitero Paunofambisa Mari Kubva Kumushandi Gadzirirai kuIRA
Kana kugoverwa kwerollover yakakodzera kunobhadharwa zvakananga kwauri, 20% inofanira kunge yakachengetwa kuhurumende yemitero. Izvi zvinotumirwa zvakananga ku IRS. Izvi zvinoshanda kunyange kana iwe uchida kuronga pamusoro pekuparadzirwa kune imwe tsika yeIRA. Iwe unogona kudzivisa mutero uyu unoregererwa kubvisa nekusarudza rollover yakananga, apo kugoverwa chekuchecherwa kunobhadharwa zvakananga kune imwe nzvimbo yako yezvemari.
Kutengesa Mari kubva kuIra IRA kune imwe IRA
IRA inoshandiswa inowanikwa apo iwe unofambisa mari yeIRA kubva kune imwe nzvimbo yezvemari zvakananga kune imwe. Chero bedzi pasina kugoverwa kunobhadharwa kwauri, saka kutumirwa kusina mutero.
Kushandisa IRA mari Imitero-isina Kana Yakadzokera Kudzo muIRA
Kana iwe ukabvisa mari kubva kuIRA, uyezve unozoisa zvakare kuIRA yako mumazuva makumi matanhatu, mutengesi haugoni kutererwa. Iwe unogona chete kuita rudzi urwu rweIRA kutumirwa kamwe kamwe mumwedzi wegumi nemwedzi. Iyi-yegore negore hurongwa hahushandi kumutongi-to-trustee anoshandiswa apo mari yacho inotumirwa zvakananga kubva kune imwe sangano kuenda kune imwe.
Iwe unogona kushandisa urongwa hwemazuva makumi matanhatu ezuva rekuti "kukwereta" mari kubva kuIRA yako kwenguva pfupi. Zvisinei, kana chikamu chipi zvacho chekugoverwa chisati chabhadharwa mukati memazuva makumi matanhatu, uye iwe uri pasi pezera remakore makumi matanhatu nemashanu, zvinenge zvichitaridzirwa kuti iRA inotanga kubvisa , zvichienderana nemitero uye zvikwereti, kunze kwekuti iwe unogona kukodzera kusarudzwa.
Kushandisa IRA Rollover kuendesa Chikamu cheAunti
Nenguva isipi IRA rollovers haisi yose-kana-hapana-chinangwa. Iwe unogona kushandisa IRA rollover kutamisa chikamu chemari yako kubva kune imwe IRA kune imwe, kana kuti kamwe paunotora mukana, kune rollover chikamu cherongwa hwekusimudza kambani kune IRA.
Inhaka yeIRA uye Inotora MuIra Yako Yako
Kana iwe ukatora tsika yeIRA kubva kumudzimai wako, unogona kuisa mari yacho muIRA yako pachako, kana iwe unogona kusarudza kuitaura seIRA inotora nhaka. Pane zvakanakira uye zvakanakira kuzviita nenzira imwe neimwe.
Kana iwe uine nhaka yemaitiro eIra kubva kune mumwe munhu kunze kwewakaroorana naye, haugoni kuzviputira kana kuti kubvumira kuwana girosi rollover. Unofanirwa kubvisa IRA zvinhu munguva yakatarwa maererano nemitemo inoshandiswa inoparadzirwa (RMD).
Rollover Inodiwa Minimum Distributions Zvinodiwa
Zvikwereti zvinofanirwa kugoverwa mugore rimwe chete pasi pemitemo inoshandiswa yekuparadzira zvishoma hazvikodzeri IRA rollover kurapwa.
Zvisinei, iwe unogona kugovana zvikamu zvekutsvaga kubva kuIRA yako kugutsa zvido zveMMD. Iyi migove inogona kubva yakasara inowanikwa mune imwe nhoroondo yekusarirwa kwemari. Ungave uchigovera mari kana zvikamu, chero chikamu chero chipi zvacho chakagoverwa kubva kuIRA yako chichazobvunzwa pane 1099-R uye chinosanganiswa pamutero wako wekudzorera semari inowanikwa.
Kurondedzera IRA Rollover Transactions Pamusoro Petero
IRA rollovers inoshushwa pamutero wako wekubhadhara asi asi sekutengesa mutero. Kunyange kana iwe uchiita zvakarurama IRA rollover, zvinotoneka kuti chirongwa chako chepuraneti kana kuti chekuchengetedza chichati chisiri chakaipa pane 1099-R inokupa iwe uye IRS. Ndakaona izvi zvichiitika kakawanda mubasa rangu.
Kana muchengeti wako akaudza mutengesi wacho zvisina kururama, uye iwe wekupa zvinyorwa kuvhupi vako vekuteresa pasina kutsanangura mutengesi kwavari, zvinogona kuudzwa nezvekudzoka kwako zvisina kururama. Kuti uone kuti haubhadhara mutero paIRA rollover kana kutumira, tsanangura zvakajeka chero IRA rollover kana kutumira kudhinda kune iwe mutengesi wako wemutero, kana kuti kaviri-chengeta zvinyorwa zvose kana iwe uchigadzirira kudzoka kwako.
Rollover After-tax Funds kuRoth IRA
Mitemo ichangopfuura yemitero inosimbisa kuti mushure mekubhadhara mari mune imwe kambani yekambani yakakodzera inogona kuendeswa kune Roth IRA. Iyi ndiyo nzira yakakosha sezvo Roth IRA mari inokura musero mutero uye iwe haungambodi kugoverwa kubva kuRoth.
Kudzingwa Kambani Chikoro kubva Kubva kuIra
Iwe unogona kukwanisa kushandisa mutemo unokosha wekutengesa kugoverana zvikamu zvekambani yekuchengetedza kunze kwechirongwa iwe kana iwe uri pajeri kana kuti usisashandisi ikoko. Iyi ndiyo nzira yekuparidzira inonzi Net Unrealized Appreciation (NUA). Vamwe 401 (k) s vanogona kukubvumira kutumira zvikamu zviripo zvakananga kuIRA. Masangano akawanda anoda mari iyi kuenda kuIRA yako semari panzvimbo yezvikamu. Tarisa ne 401 yako (k) kuronga kuchengetedza mari kuti uone kuti zvipi zvinoshandiswa zvinoshandiswa zvinobvumirwa.