Kunzwisisa Mitemo Yenheyo Pakusarudza Kare Retirement Revenue Beneficiaries
Cherechedza: Mitemo yehurumende inoshandura nguva zhinji uye ruzivo rutsva harungarati rwuri kuratidza kuchinja kwemazuva ano mumitemo. Nokuda kwekutengesa mitero kana mazano emutemo, tapota taurirana neActeurant kana gweta sezvo ruzivo rwakanyorwa munyaya ino harusi mutero kana mazano ezvemutemo uye harisi kubhadhara mutero kana mazano emutemo.
Kana uine imwe yenhumbi yako yakachengetwa muchirongwa chekurega basa , yakadai se 401 (k) kana IRA, uye usati wavandudza mazita ako ekuwana zvipo kuti uonge mazano ehurongwa hwako , iwe uchada kufunga zvinhu zvinotevera.
01 Ko yako Revocable Living Trust ine zvinhu zvakakodzera here?
02 Ko yako 401 (k) inobvumira kuti RMDs ibudiswe here?
Chenjerera vazhinji 401 (k) s, 403 (b) s, uye mamwe maitiro emarongwa emari ekubhadhara mari anoshandiswa anoshandisa hurumende yemakore mashanu uye anoda kuti mari yose yakasara munhoroondo apo mushandi kana wekare wekufa akafa. mukati pemakore mashanu mushure mekufa kwemushandi. Izvi ndechokuti vashandi havadi kuva mune bhizimisi rekutarisira kambani kuitira kubatsirwa kwevashandi vanofa kune makore mazhinji munguva yemberi. Kana iwe uchiri nezvinhu zvakachengetwa mu 401 (k) kana chimwe chirongwa chekuita basa rekurega basa nemunhu waimbova mushandirwi uye haasinei nekweretesa nyaya, zvino funga kuisa zvinhu zvacho muIRA. Izvi zvichapa vatsigiri vako kubvumirana kwemaMRD anotambanudza kunze kwezvavanotarisira hupenyu panzvimbo pokumanikidzwa kubvisa mari yose mumakore mashoma semakore mashanu.
03 Unofunga nezvekuchengetedza vatsigiri vako here?
Nyika dzakawanda dzinopa chikwereti kuchengetedzwa kwezvinhu zvakachengetwa muIRAs, uye hurumende yehurumende inopa rudzi rumwechete rwekudzivirirwa kwe 401 (k) s. Asi chii chinoitika apo muridzi webhuku anofa uye mari yekurasikirwa inoparidzirwa zvakananga kumubatsiri? Muna June 2014 Dare Repamusorosoro reUnited States rakaratidza kuti kana mari yekurasikirwa ichipa kune mumwe munhu anobatsirwa, vanorasikirwa nemukweretesi wavo kudzivirirwa uye vachakurumidza kuwanika kune vane chikwereti chemubatsiri. Kana iwe uchida kupa kupa chikwereti uye kurambana kwevatsigiri vako, saka funga kusiya mari yekusarura zvinhu kune imwe nguva yeupenyu hwekuvimba kana kuti IRA Trust yakakosha nokuda kwevabatsiri panzvimbo yezviri pachena.
04 Ndizvo zvamunoda kuti muwane mudiki here?
Kana muzuzi weIRA yako kana 401 (k) achiri muduku kana iwe wafa, zvino muwanikwi haazobvumirwi kubvumirwa nemutemo zviri pamutemo, uye saka kuchengetedzwa kwematare kana kuchengetedzwa kwemhosva kuchada kusimbiswa kune vaduku. Zvadaro, apo mudiki wacho anosvika 18 kana 21 (zvichienderana nemutemo wehurumende), mupi wemukana wacho achawana kutongesa zvakakwana pane zvakasara zvekubvisa mari. Pane kudaro, unofunga kufunga kusarudzwa kwega share trust yakagadzirirwa mudiki muRevocable Living Trust yako kana imwe IRA Trust semubatsiri. Uyezve, iwe uchafanira kufunga nezvekuzvarwa-kutsika kutengesa mitero kana muwani ari muzukuru, kana, kana muwani wacho asina kukodzera iwe, ipapo makore anopfuura 37 1/2 akadarika iwe.
05 Iwe une taxable property here?
Kana iwe une taxable estate uye mari yakawanda yemari yako iri muurongwa hwekurega basa, saka iyo inofanira kuva nzvimbo yekupedzisira yaunotarisa paunenge uchifunga kuti mari yemutero ichabhadhara sei . Izvi ndechokuti hurongwa hwekugara muhupfumi hahuzogamuchiri matanho , uye saka chero mari ipi inobviswa kubva kuakiti yakakodzera inenge ichitungamirirwa nemitero yemari. Pane kudaro, iwe unofanirwa kutarisa kune mari kana inshuwarisi yehupenyu kubhadhara mutero wemutero sezvo imba iyi isingabhadhari mitero yemutero , kana kunyange mashizha kana zvivako sezvo zvinhu izvi zvichange zvigadziriswa zvishoma uye naizvozvo migumisiro yemitero kutengesa kuchaderedzwa.
06 Wakaroorana uye une taxable property here?
Kune vakaroorana vasingagoni kuvimba nekunakidzwa kwekuwedzera mitero yavo yemitero , zvirongwa zvekurega basa zvinofanira kuva nzvimbo yekupedzisira kuti vatarisire kubhadhara BH Trust yakagadzirirwa kuti ibatsirwe nemudzimai anoramba ari muHurumende yeHupenyu Yadzo. Zvimwe zvikonzero nei zvakaoma asi zvinonyanya kusungirirwa mukutora mitero yemari uye kugadzirisa zvisarudzo zvevatsigiri vanonzi mushure mokunge mumwe wavo ari mupenyu afa. Uyewo, dzakawanda dzekuregererwa hupenyu dzisingatauri mutauro wakakodzera kuti utungamirire IRAs yakasara kune A kana B Trust. Iwe iwe chete, wako wako, uye mutori wenhaurirano yemiganhu unogona kuziva nguva uye kana zvirongwa zvako zvekurega basa zvinofanira kunzi zita sevanonyanya kubatsirwa neB AB Trust yakagadzirwa muRevocable Living Trust yako.