Dzidza nzira yekuumba rollover IRA nzira iri nyore.
Paunenge uchisiya chirongwa chako chemari kumashure kumushandi wako isarudzo yakagamuchirwa, hazvisi izvo zvinowanzoitika.
Kazhinji kacho, mari, iyo yakanga yave yakatarwa yekusunungurwa, yakadzingwa kunze. Somugumisiro, urongwa hwekushandira urongwa hwekurega basa hunowanzotungamirirwa nehurumende yemitero, mitero yehurumende, uye yekutanga kupiwa chirango.Pfuura zvakare, iwe unorasikirwa nekwanisi kubatsirwa nekukura kwemazuva ano pamari yaunotora.
An IRA Rollover Kazhinji iyo Smart Way yekuenda
Mhinduro yacho iRA rollover. A rollover inoratidzika nyore apo iyo yakazara yepurogiramu yako yakarongeka inoshandiswa zvakanyatsoendeswa kuIvidual Retirement Account (IRA). Zvisinei, kana iwe usingafariri zvakakodzera rollover, kugoverwa kwako kuchave kunoenderana nekutenderwa 20% inorega mutero. Iwe uchiri nemazuva makumi matanhatu kuti uise mari yakazara yekodzero yako yekambani ye 401K uye usabhadhara kugoverwa kunokonzerwa. Zvisinei, dai iwe wakanga usina mari yacho yakadzivisa, unofanirwa kuuya nemari yakachengetwa kuti upedze rollover!
Zviri pachena, zviri nani zvikuru kuita zvinhu nenzira yakarurama yekutanga.
Heano maitiro mashomanana anogona kubatsira mukuzadzisa IRA rollover:
- IRA rollover inokubvumira kuti urege kubvisa 10% yekutanga kutora chirango kana uri pasi pezera remakore 59 1/2.
- Mari yako icharamba ichikwanisa kukura pakubhadhara mari uye iwe uchakwanisa kurega mitero kusvikira iwe udzorera mari iyi gare gare paunenge uchirasikirwa.
- Iwe unogona kuwana huwandu hwakawanda hwekusarudzwa kwekutsvaga kupfuura huya huripo muurongwa hwemushandirwi wako uchipa nehutano hwekuvandudza huwandu hwehuwandu hwehuwandu.
Mienzaniso yeMigumisiro yeMhosva yekudzivirira uye IRA Rollovers
Muenzaniso 1
Derrick anotsausa basa rake ne $ 50,000 401K urongwa hwemari. Panguva iyoyo, haadi kuronga pamusoro pebhuku rake uye anosarudza kugovera. Achawana cheki ye $ 40,000, sezvo 20% ($ 10,000) inofanira kudziviswa. Kana Derrick achiongororazve uye achisarudza mukati memazuva makumi matanhatu kuti afukidze purogiramu yake yose ye 401K, anokwanisa kudaro. Zvisinei, anofanirwa kuuya nemari yepakutanga $ 10,000 zvishoma nezvishoma yakarasika kuburikidza neholdholding. Haazokwanisi kuwana mari yakavharidzirwa kumashure kusvikira aisa faira mutero wake gore rinouya.
Muenzaniso 2
Chimbofunga zvinotevera mumamiriro ezvinhu akafanana pamusoro apa. Kana Derrick ainge achinyatsotsvaga rollover kubva pakutanga, angadai akawana cheki yakaitwa kune IRA muchengeti weIRA kuitira kuti IRA yake iwane mari yakazara $ 50,000. Easy.
Muenzaniso 3
Ramba uchiyeuka kuti kana Derrick isingapfuuri pamusoro pekambani uye inotora kugovera zvizere, 20% ikozvino yakarasikirwa nemutero wekuregererwa inogona kunge iri doro mubhoji kana ichienzaniswa nezvinozopedzisira yatora.
Dherick haasi kuzobhadhara chikamu chepamusoro chemutengo wepamusoro pakuparadzirwa (iyo inogona kuva yakakwirira kudarika 20%), asi angavewo akazviisa pasi pe 10% yekutanga kugoverwa chirango (kana ari pasi pe 59 ½) uye zvichida mari inowana mari mitero zvakare.
Muenzaniso 4
Panguva ino Derrick anongopfuurira kudarika $ 40,000 iye anoramba mushure mokumanikidzira kubhadhara. Achave ari pasi pemitero uye chirango che10% pamadhora gumi gumi asina kugoverwa. Zviri nani kudarika kugoverwa kwese kuve nechokwadi, asi kuchiri kuipa kudarika rollover yakabudirira yeyero rose.
Summary
An IRA rollover imotokari yekuchengetedza mari iyo inotariswa uye inogamuchira mari kubva kune inoshandiswa mubasa rekurega basa rakadai se 401 (k) hurongwa. Iwe unosarudza kupfugama pamusoro pebhuku rako rekurega basa kana iwe uchirega basa, shandura mabasa, kana kusiya muvakidzani wako kune chimwe chikonzero.
Ingova nechokwadi chekutarisa nepurogiramu yako yekurega basa inokurudzira uye IRA mubatsiri musati wasarudza kutora IRA rollover. Sezvo nekutengesa kwemari yakawanda zvimwe zvipingamupinyi, kukwana, kana mari inogona kushanda. IRA rollover haisi nguva dzose chisarudzo chakanakisisa. Zvimwe zvinogona kusarudzwa zvakadai sekugara muurongwa hwekushandira, kana kuti kugadzirisa mari yekuita mari yako.
Yakarongwa naScott Spann