Kugoverwa kwakawanda kunotedzerwa asi vamwe havakwanisi
Mhando dzeRAS
A tsika yeIRA ndiyo iyo vanhu vakawanda vanofunga nezvevanonzwa izwi iri.
Muzviitiko zvakasiyana uye zvichienderana nezvimwe zvipingamupinyi, iwe une kodzero yokubvisa mutero kune zvipo zvaunoita kune chirongwa chekare cheIRA.
Iwe haugoni kutora kubhadhara mutero kune zvipo zvaunoita kune chirongwa cheRoth IRA, asi iwe haufaniri kubhadhara mitero kune chero zvipi zvaunotora mushure mekusununguka kwemakore, kana. Kugoverwa kubva kumadzitateguru eIRA inowanzoonekwa sekubhadhara mari inobhadharwa nekuda kweiyo mitero yakabviswa iwe watora.
IRA YAKASIKANA-iyo inonyorwa kuti Savings Incentive Match Plan yeVashandi-inopiwa nevanoshandira. Iko inobvumira vashandi kuti vatange mitero yepamberi pamitero yavo. Kana iwe uchibhadharwa $ 1 000 pavhiki uye iwe ukapa $ 25 ku SIMPLE IRA yako, iwe unongobhadhara mutero pa $ 975 nokuti iyo $ 25 inodzingwa musati mitero inoratidzwa pachiyero. Asi kugoverwa uku kunokweretwa zvakare kana iwe uchibvisa basa uye wotora mari kunze.
"SEP" IRA inomiririra Simplified Employee Pension uye urongwa huno hwerongwa hunowanikwa kuvanhu vanozvishandira.
The Basics About IRAs
Mimwe mitemo yakawanda inoshanda kune vose IRAs. Mari yaunotora kubva mubhuku iyo inonzi kugoverwa, uye kugoverwa kunosanganiswa pamutero wako wekubhadhara semari inotengesa mari muzviitiko zvizhinji. Vanobatwa semari inowanikwa mari, inotengesa pamutengo wako wepamusoro. Muzhinji, kugoverwa kubva kune tsika dzekodzero dzeIRA dzinokweretwa mugore raunogamuchira.
Iwe unogona kurohwa nemamwe mazana 10 muzana mutero wekutengesa kana iwe uchienda kugoverwa usati wava nemakore 59 1/2. Iko flip parutivi rweizvi ndeyekuti unofanira kutanga kutora kuparadzaniswa mushure makore 70 1/2.
Asi zvakadini kana iwe uchitora mari kubva kune imwe IRA kune imwe? Izvi zvinozivikanwa se "rollover," kwete kugoverwa.
Mutemo Wegore Negore weIRA Rollovers
Iwe unogona kuita rollover imwe chete kubva kuIRA kune imwe nhoroondo yeIRA mune imwe nguva yegore rimwe chete, zvisinei kuti IRAs yakawanda iwe unayo. Asi iwe unogona kuita mutrusti-to-trustee asingatauri kuendeswa pakati peIRAs, kana kuendeswa kubva kurongwa wehurongwa kuronga mutungamiri, nokuti rudzi urwu rwekutsvaga haruonekwi rollover.
Irollover inowanikwa apo iwe unobatanidzwa semunhu wepakati, nekunyatsotora kutora mari yacho usati wadzorera kune imwe kambani, kunyange kwenguva pfupi. Kana mari yacho ichibva pane imwe nzvimbo kuenda kune imwe, kana imwe nhoroondo kune imwe kunze kwekuita kwako, hapana mutero unouya.
Zvimwe Kusiyanisa Kukutonga
Hapana muganhu pane nhamba ye rollovers iwe unogona kuita kubva kune tsika yeIRA kuenda kuRoth IRA. Iko kushandiswa kunozivikanwa sekutendeuka.
Mimwe mhando dzekugoverwa kubva kumagadzirirwo akafanirwa mazano anobhadharwa kune vashandi vepamberi vanogona kuenderedzwa kune tsika dzekodzero dzeIRA pasina mitsara yemitero.
Uye kana iwe ukatora muSIMPLE IRA, unogona kukanda mari kubva kune mamwe mapoka ezvigaro zvekurasikirwa, zvakadai se 401 (k) zvirongwa uye tsika dzechiRRA, muSIMPLE IRA yako makore maviri mushure mokunge iwe watanga kupinda muurongwa.
Zvimwe Kugoverwa Kunokodzera Kubhadhara Mutero-Kunyoreswa Kurapa
Kugoverwa kunogona kusabhadharwa mutero mune mamwe mamiriro ezvinhu pamwe-haafaniri kuiswa mumari yako yakawanda.
- Iyo rollover yaunobvumirwa gore negore haigoni kutengesa mugore iroro.
- Iwe unogona kutora kugoverwa mushure mezera remakore 70 1/2 uye ugozvipa kune sangano rakaropafadzwa sangano risina mutero, asi mutemo uyu hauiti kune SEP kana SIMPLE IRAs.
- Kugoverwa kubva kuRoth IRAs kusava nemutero usingabhadhari kana IRA inenge makore mashanu uye iwe wava nemakore makumi mashanu nemashanu. Iwe unogona kutorawo Roth IRA kugovera mutero usingabhadhari kana uri muduku kudarika makore 59 1/2 kana uchiita saizvozvo kutenga imba yekutanga kana nekuda kwekuremara.
- Iwe unogona kutora kugovera nekuendesa iyo kuAalth Savings Account imwe nguva.