Mitemo yeIRAs Inotorwa Kubva Kumudzimai
Kana iwe wakagara nhaka yeIRA kubva kune mumwe munhu kunze kwomumwe wako pane mitemo yakasiyana yakashanda.
Kana Iwe Wakatora Ira Yemazuva Anobva kune Wako Wako
Kune miviri miviri mikuru yeIRAs unogona kugara nhaka yeRRA IRA kana Roth IRA .
Kana iwe ukagara nhaka yemaitiro eIRA kubva kune wako, iwe une zvitatu zvisarudzo. Mitemo yeRoth IRAs yakasiyana. A
Iwe Unogona Kuzvikwereta
Iwe uchabhadhara mitero yemari pamutengo wakabviswa paunenge uchibhadhara muIRA, asi hapana mutero wechirango uchashanda pasinei nezera rako. Ichi chinhu chakanaka nokuti kazhinji kugoverwa kweIRA kusati kwava nemakore 59 1/2 kunoenderana ne10-muzana kutanga kweRARA kubhadhara mutero wechibharo .
Asi kunyange kutora mitero yemitero kubva patafura, kuisa muIRA zvingasava sarudzo yako yakanaka. Iwe unofanirwa kuongorora bhaketi yako yemitero . Kubhadhara muIRA huru kunogona kureva kuti kubva kune 25 kubva kune makumi mana kusvika ku39.6 kubva kune imwe inofamba zvakananga kumatare ehurumende. Mitero yemutero inobhadhara ichashanda, zvakare. Iwe unogona kunge uri nani kubvisa mari sezvaunoda iyo panzvimbo yekubhadhara muIra yakagara nhaka yose kamwechete.
Iwe Unogona Kubata IRA seYako
Iwe unogona kubata IRA seyako pachayo nokuzviti iwe muridzi wekambani kana kupfuurira IRA inotora nhaka muIpa yako yega account.
Izvi zvinowanzova sarudzo yako yakanakisisa kana iwe uine makore makumi matanhatu nemashanu uye / kana mudzimai wako akwegura kupfuura iwe. Iko inokubvumira kunonoka kutora kudiwa kunoshandiswa kwakaderera, kunonzi RMDs, chero bedzi zvichibvira. Kana ukasarudza kurapa IRA seyako, maMMD ako emangwana achagadziriswa zvichienderana nezera rako kutanga negore iwe unova muridzi.
Heano muenzaniso: Wawakaroorana naye aiva nemakore makumi matanhatu nematanhatu. Iwe wava nemakore makumi matanhatu nemashanu. Iwe wawakaroorana naye wakatanga kutora maMMD ake ava nemakore 70 1/2. Unosarudza kurapa IRA yakagara nhaka yako seyo yako. Iwe haufaniri kutora RMDs gore negore kusvikira wawana makore 70 1/2 zvisinei nokuti chokwadi wako kuti wawakaroorana naye ari kuita saizvozvo. Nguva yacho inobudirira zvakare.
Kubudirira mune izvi kunoenderera mberi kusarudzwa kwemitero. Ramba uchiyeuka kuti kana iwe uine makore makumi matanhatu nemashanu, unogona kutora zvisizvo kana uchida mari uye hapana mutero unotengesa uchashandiswa. Iwe hausi kutarisirwa kuti uite izvozvo kusvikira uchisvika makore 70 1/2.
Asi heino shoko renyevero: Kana iwe usati wava 59 1/2 uye iwe ukasarudza kurapa IRA seyako, kugovera kwako kuchava pasi pe 10-percent pangoti yemutero.
Iwe Unogona Kuzvibata Iwe seMubatsiri
Izvi zvingava sarudzo yako yakanakisisa kana iwe uri pasi pezera remakore makumi maviri nemashanu uye / kana iwe mukuru kudarika wako. Kana iwe ukamisa iyo nhoroondo zvokuti iwe unofungidzirwa kuti uri muwani weIRA inotora nhaka panzvimbo yeiyo muridzi, kugoverwa kwako kwakaderera kunotsanangurwa nezera remumwe wako panguva yekufa kwake. Izvi zvinopa mbiri mikana.
Kana wawakaroorana naye akafa mushure mekunge maMMD ake atanga nokuti akanga ava nemakore makumi manomwe nemakumi matanhatu, unofanira kutora kugovera zvichienderana nekureba kwe:
- Mukadzi wako wakafa mararamiro anotarisirwa kubva pane rakatangira rwandu rweMRD kana kuti
- Iwe pachako unotarisira hupenyu humwe chete
Kana wawakaroorana naye akafa asati RMDs isati yatanga, unokwanisa kuderedza kugoverwa kusvikira maMMD ake aizotanga uye kutora kugoverwa ipapo pamusoro pekutarisira kweupenyu hwako humwe chete.
Kubatsira kwechisarudzo ichi ndechokuti iwe unogona kutora zvisizvo kana zvichidiwa uye pasina mutero wechirango uchashanda kana iwe usati wava 59 1/2. Uye kana iwe uri mukuru kudarika wako, iwe unogona kutarisa maMMD kusvikira mudzimai wako angadai akafanirwa kuatora, iyo ichave yakapera kupfuura yezera rako 70 1/2.
Cherechedza: Hapana chinhu chiri munyaya ino chinonzi sezano. Zvakakosha kunyatsofungisisa zvaunosarudza zvichienderana nemari yako yezvinodiwa uye iwe mamiriro ako emitero, zvakakodzera mushure mekunge uchitarisana nemudzidzisi wemari.