Inhaka yeIRA Mirairo Unofanirwa Kuziva

Zvamunoda Kuziva Nekugoverwa IRA

Nhamba yepamusoro, iyo inowanzopiwa nhaka (kana iri kuda kusvika nhaka) mari yakawanda muIRA inotorwa nhaka ndeyekuti nhengo yemhuri kana shamwari yafa uye yakasiya iwe matanda , zvisungo , mari pamwe chete , ETFs , REITs , mari, uye zvimwe zvinhu zvaakawana pane hupenyu hwose mumutero wemitero. Kufanana nevanhu vazhinji vakagara nhaka mari muIRA, kune mhando dzemibvunzo inowanzobvunzwa. Unofanira kuitei?

Ndeipi mitemo yeIRAs dzakagara nhaka? Mitezo yemitero? Zvibatsiro?

Mumazuva mashomanana anotevera, tichatarisa mibvunzo yose iyo kuitira kuti pakupera kwechikamu ichi, ndiyo tariro yangu inonzwa uchinetseka nemitemo yepasi yeIRA inotora nhaka. Hazvina kutyisa kana kuvhiringidzika sezvaunogona kufunga pakutanga pakutanga, asi zvakakosha kuti iwe uchiri kuenderera mberi pane zvaungasarudza nemupi wezano rakakwanisa kupa migumisiro yekuita kuti irege kuipa.

Maitiro Aunoita Nhaka Yako Inhaka Inofunga Nezvekuti Wakanga Waroora kune Wakaderera

Usati wapfuurira, unoda kupindura mibvunzo miviri:

1. Wakanga wakaroora kune munhu akakusiya IRA senhaka here?
2. Kudai mutenzi weIRA akazosvika panguva iyo zvaidiwa kuti zvidimbu zviduku zviitwe?

Zvakareruka, zvakanaka? Ngatitarisei mamiriro ezvinhu akasiyana anomuka zvichienderana nekupindura kwako mibvunzo yakanyorwa pamusoro apa.

Nhaka yeIra Nyaya I: Kana wakapindura hungu kumibvunzo yese miviri - iwe wakaroorana uye wako wako akange asvika panguva iyo kushandiswa kunotarisirwa kwaidiwa (ikozvino kwave nemakore 70.5), une maitiro akawanda:

1. Tora iyo IRA inotora nhaka seIRA yako pachayo, kuiwedzera iyo kumakambani ako aripo ekurega basa uye uchiita kuti mari iwedzere sekunge iwe wakazviisa parutivi iwe nguva yose iyi.

1. Paridzai muyero weIRA uchishandisa nguva yako yezvino uye imwe tafura ye IRS.
2. Paridzai muyero weIRA uchishandisa tafura inokosha yeIRA uye
   1. Kuisa makore emumwe wako sewekuzvarwa kwake mugore raakafa,
   2. Kugadzirisa kutarisa kwehupenyu hwekutanga kutanga kwegore rimwe nerimwe rinopfuura, sezvaunenge uchida kuti ivo vachiri vapenyu, uye
   3. Kutora zvishoma kugoverwa kuduku kwaidiwa kwegore rekufa.

Inhaka yeIRA Nyaya yechipiri: Kana wakapindura hongu kumubvunzo umwe asi kwete mumwe - iwe wakaroorana asi wako wako akanga asina, asi, akazosvika panguva iyo yaida kuti zvidimbu zviduku zviitwe, une zvinhu zvitatu:

1. Tora iyo IRA yakagara nhaka yako seIra yako pachako, uchiiwedzera kumakambani ako aripo ekurega basa uye uchiita kuti mari iwedzere sekunge iwe wakazviisa parutivi iwe nguva yose iyi.
2. Chengetedza mari yacho mumutero wemutero weIRA kwemakore anopfuura mashanu. Pakupera kwegore rechishanu mushure megore rekufa kwewakaroorana naye, unofanira kubvisa zvose.
3. Paridzai muyero weIRA uchishandisa tafura yeIRA yakashandiswa uchishandisa makore ako epanguva yako.

Cherechedza kuti kugoverwa hakufaniri kutanga kusvikira muridzi wepakutanga (iwe wawakaroorana naye) angadai akachinja makore makumi manomwe nemashanu. Kana wawakaroorana naye ari muduku kudarika iwe, izvi zvinokubvumira kufara makore ekuwedzera emutero wakachengetwa uye mari yaunofara nayo dai vachiri vapenyu.

Inhaka yeIRA Nyaya yechitatu: Kana wakapindura kwete kwete kumubvunzo wokutanga uye hongu kune wechipiri - iwe usina kuroorwa nemudzidzisi weIRA uye vakanga vatosvika panguva iyo kushandiswa kunotarisirwa kwaidiwa, unofanira kushandisa tafura yeIRA yakashandisa chimwe chezvirevo zvinotevera:

1. Shandisai mudiki wekutanga 1.) makore enyu kana 2.) gore remwene wepakutanga musi wekuzvarwa mugore rekufa.
2. Sarudza zera rako pamagumo egore rinotevera gore rekufa kwomuridzi wepakutanga.
3. Kushandisa yezera rekare kune vakawanda vanobatsirwa.

Iwe unoda kuderedza kutanga kutarisa kwehupenyu ne1 kune rimwe nerimwe rinotevera. Uyewo ona kuti mumamiriro ezvinhu aya, unogona kutora kushandiswa kwemadiki kunenge kwaidiwa nomuri mugore rekufa.

Inhaka yeIRA Nyaya IV: Kana usina kupindura kwete kumibvunzo yese miviri - iwe wakanga usati waroorwa nemudzidzisi weIRA uye vakanga vasina, asi, vakazosvika panguva yavaifanira kutora kugoverwa kwemashoma, unogona:

1. Tora iyo yose IRA muganhu kusvika pakuguma kwegore rechishanu mushure megore rekufa, zvichida kuwedzera kunyara kwemakore matanhatu ekuwedzera kwemitero-isina kubatanidza zvichienderana neicho chaiicho musi chaiyo chizvarwa chokutanga.
2. Ipa mugove weERA uri maererano nefurafura chaiyo paunoshandisa zera rako pamugumo wegore uchitevera gore rekufa komuridzi, kuderedza hutano hwekutarisira hupenyu hwekutanga kwegore rimwe nerimwe rinotevera.

Inhaka yeIRA Nyaya yeV: Kana IRA yakasara kune imwe nzvimbo, vamwe trust fund types, charity, kana chimwe chikonzero chakanga chisina munhu aikwanisa kuwana uye mupi wepakutanga weIRA akanga atova nemakore ekumanikidzwa kutora zvakaderera kugoverwa, ipapo iwe unoda kushandisa tafura yeIRA inokosha, inofamba nezera remunhu wepakutanga sezuva rokuzvarwa mugore rekufa. Iwe unofanirwa kuti ude kuderedza kutanga kutarisira hupenyu ne1 kune rimwe nerimwe rinotevera uye iwe unogona kutora kushandiswa kwemadiki kunowanikwa gore rekufa.

Inhaka yeIRA Nyaya yekutanga VI: Kana IRA yakasara kune imwe nzvimbo, vamwe trust fund types, charity, kana chimwe chikonzero vakanga vasina avo vakagadzirirwa uye mudzidzi wepakutanga weIRA akanga achiri muduku zvokuti haafaniri kutora zvishoma kugovera, iwe unogona kuchengeta IRA inotora nhaka mumutero wemutero kusvikira pakupera kwegore rechishanu mushure megore rekufa, zvingakubvumira kuti unakidzwe kusvika pane kunyara kwemakore matanhatu emamwe emitero isina kubhadharwa zvichienderana nenguva chaiyo iyo muridzi wepakutanga akafa.

Inhaka yeIRA Mienzaniso Haisi Yakareba Bankruptcy Yakachengetedzwa

Kuenzanisa kweIRA kazhinji kusingakwanisi kusvika kune vane chikwereti mumamiriro ezvinhu akawanda, kazhinji kusvika kumadekisi manomwe. Sei? Chikonzero ndechokuti sangano rinoda kuchengetedza zvinhu zvekurasira sezvinenge zvichida chirongwa chepenteti yekare-kare saka hatina vanhu vakwegura vanorarama kubva kune vateresi. Kana mumwe munhu achifanira kutora kurasikirwa, inofanira kunge iri chikwereti uyo, pane dzimwe nguva, akasarudza kuwedzera chikwereti munzvimbo yekutanga.

Kwenguva yakareba, zviyero zveIRA zvakagara nhaka zvakarapwa zvakafanana nemari yeIRA vatengesi vakazvivakira pachavo sechinhu chaicho. Zvisinei, munaJune ra2014, Dare Repamusorosoro reUnited States rakatonga muna Clark v. Rameker kuti vateresi vanogona kuenda shure kwevakatora mari yeIRA nemari kuti vagutse zvido zvavo, vachigadzirisa zvakanyanya kugadziriswa kwekuchengetedzwa kwenyika yeAmerican retirement retrait system. (Nhau yakasimuka apo Heidi Heffron-Clark akaisa chivimbiso muna 2010 uye avo vane chikwereti vakaedza kubata IRA yakagara nhaka yakasara kubva kuna amai vake makore mapfumbamwe apfuura muna 2001.)

Dare rakatendeseka pamusoro pokuti, sezvo iRA inotora nhaka yatinenge tati tamboenda kune iyo yakajeka, Congress inoda kuronga mari yakapfurikidza kuburikidza nematumba emitero yakasiyana zvakasiyana nemari yaunozvitsaurira iwe pachako yeChituro IRA kana Roth IRA .

Zvakasiyana? Kana iwe wakaroorana nemudzimai weIRA uye uchisarudza kufamba nemumwe wezvinhu zvinoshandiswa zvinokubvumira kuvhara mari yeIRA inotora nhaka muIRA yako pachayo , zvichiita kuti iite pasi pemitemo yakafanana neyekuti iwe pfuma yekusasiya (kusanganisira iyo yakaipa 10) % kutanga kubvisa chirango kana iwe uchikwira chirongo chekoki usati wava nemakore 59.5, kunyange kune nzira dzokufamba nadzo, zvakare, kana uchikodzera ).

Chidzidzo chinonzwisisika: Kana iwe wakaroora, usarega mari ichigara muIRA yakagara nhaka. Nyatsofungisisa kuifungidzira iyo IRA yako pakarepo kana yakangwara kuita kudaro.