Inhaka yeIRA kubva kune Wasiri Mukadzi

Inhaka yeIRA Mitemo yevasingawaniki Vashandi

Sezvo makore evanhu veUnited States, zvinowanzopiwa nhaka yeIRA kubva kuna amai kana baba, amai kana vanun'una, kana kunyange munin'ina kana shamwari. Izvi zvinowanzoitika kana iwe uri mukati kana pedyo nekumurega. Iwe une zvisarudzo zvishoma pamusoro pokuti unobata sei IRA. (Kana iwe wakagara nhaka yeIRA kubva kune wawakaroorana naye zvisarudzo zvakasiyana zvinoshanda saka ona nyaya Inhaka yeIRA kubva kumudzimai wangu .)

Vanhu vazhinji vanofunga kuti vanogona kutora IRA inotora nhaka muIra yavo yavo.

Zvinosuruvarisa, kana iwe uine nhaka yeIRA kubva kune mumwe munhu asiri wako wako iwe haugoni kuvhara iyo muIRA yako pachayo kana kubata IRA seyako. Pane kudaro, unofanira kusarudza kubva pane zvasarudzwa zviri pasi apa.

Cash muIRA Zvino - Kana Mumakore Makashanu

Iwe unogara uine sarudzo yekuwana mari muIRA inotora nhaka. Iwe uchabhadhara mitero pahuwandu hwekuparadzirwa, asi hapana 10% IRA yakatanga kubvisa mutero wekutengesa . Kana ukasarudza sarudzo iyi iwe unofanirwa kutenga mari muIRA yose yakagara nhaka neDecember 31 ^st wegore rechishanu mushure mekufa kwemurairo weIRA. Kunyange zvazvo pasina mutero wemitero inoshanda, izvi zvingave zvisina kunaka iwe. Kubhadhara muIRA yakakura kunogona kureva kupi zvako kubva pa25% - 39.6% yayo inoenda kumatare ehurumende. Mitero yemutero inoshandiswa ichashandisa zvakare. Nokuda kwechikonzero ichi, iwe unogona kufunga nezvekusarudza 2 pasi apa.

Tambanudza Zvaunobvisa

Kuti utore zvishoma nezvishoma, iwe unogona kuisa iyo inonzi "Inhaka yeIra" nhoroondo newe iwe semubatsiri.

Sezvo uri mubhadharo, unofanira kutora zvishoma kugovera zviyero kubva kuIra yakagara nhaka gore negore maererano nekutarisira kweupenyu hwako uchishandisa imwe mitemo yemitemo. Izvo zvipo zvinonzi Zinodikanwa Zvishoma Zvakaparidzirwa uye zvinowanzozonzi samaMRD. Iyi sarudzo yekutora zvisizvo pamusoro pekutarisira hupenyu hwako inowanzotaurwa se " Stretch IRA ".

Chinhu chakanaka pamusoro pesarudzo iyi ndechokuti iwe unogona kugara uchibvisa mari yacho nokukurumidza kana zvichidikanwa. Iyo mitemo inongorayira zvishoma iwe unofanira kusiya. Kubvisa zvinopfuura zvishoma zvinogara zvakanaka.

Ne Stretch IRA, kupararira kwako kwekutanga kunofanira kuitika musi waDecember 31 wegore uchitevera gore rekufa kwemuri weIRA wepakutanga. Iwe uchada ruzivo runotevera kuti uverenge chidimbu chinowanikwa chekupararira:

1. Zera rako kubva musi waDecember 31 wegore rinotevera chizvarwa chekutanga cheIRA.
2. Nhoroondo yacho inofanana neyoDecember 31 yegore rakapera.

Shandisa mashoko ari pamusoro apa mumatanho anotsanangurwa pasi apa:

1. Semunhu asingabatsiri wemudzimai, unotanga nekutsvaga mararamiro ako ehupenyu sezvinoratidzwa muTebhenekeri I ye IRS Publication 590. Shandisa makore ako sechinhu 1 pane zvakarongwa pamusoro apa. (Kana uchinge wawana iyi link pinda pasi kusvika kuAppendix C kuti uwane mararamiro akakodzera okutarisira upenyu.)
2. Gurai mari yakatarwa yegore rekupedzisira (chikamu chechipiri pane zvakarongwa pamusoro apa) nehupenyu hutariro. Izvo zvakaenzana nehuwandu hwewe unofanirwa kubvisa mugore rokutanga unofanira kutora kugovera.
3. Gore roga roga shure kwaizvozvo, tora tarisiro yeupenyu hwemakore apfuura kupfuura 1 uye iyo inoshandiswa kutsvaga kushandisa.

Iwe unogonawo kushandisa chechitatu chekuongorora inowanikwa mu3 Good RMD Calculator list kuti uite izvi masvomhu kwauri.

Chinhu chakanaka pamusoro pechinhu ichi chakakosha ndechokubvumira kubhadhara mitero chete pamutengo wakabviswa paunenge uchitora iyo iyo yakasara yemari iri mubhuku ichi inoramba ichingokura mitero-yakasarudzwa.

Kuti uwane mamwe maonero ona 4 Zvasarudzo zveMusati Mudzimai Vanowana Nhaka dzeIras .

A Trust kana chimwe Chikamu Chakagara IRA

Kana iwe uchimiririra chivimbo kana chimwe chinhu icho chisisiri munhu mumwe nomumwe sarudzo yakasiyana ichashanda. Iwe unogona kutenga muIRA uye zvichida iwe uchafanira kuzviita mukati memakore mashanu. Kusiyana neizvi kungave kuti kana vose vanobatsirwa nekutendeseka vari vanhu vari voga, saka iwe unogona kuva nesarudzo yekuparadzanisa kugoverwa kunze kwekutarisira hupenyu hwemukuru wekuvimba.

Ona Mupiro Wasiri Chikamu Chega Chega cheRS Publication 590 nokuda kwemashoko.