Kuparadzaniswa Kwepakutanga Kwemari Yemari

Kugoverwa kubva kuIRAs, 401 (k) uye mamwe mapurogiramu ekurasikirwa angabhadharwa kaviri

Kuchengetedza kurega basa ndiko kunonyanya kukosha muupenyu hwevateresi vazhinji, asi dzimwe nguva zvinhu zvinoitika kukumanikidza kuti mudimbure mune iyo mari. Dzimwe nguva unongoda kutora chikamu chacho kuti uite hupenyu hwako huve nani. Asi paunotora kugoverwa kubva kuIRA yako, 401 (k) kana imwe hurongwa hwekuchengetedza mari, iwe unofanira kuisanganisira iyo semari inotengesa. Kuregererwa kunogonawo kuiswa kune imwe mimwe mitero yemutero we10 kana kunyange 25 muzana.

The Basics

Chirango chemitengo kukanganisa muunotora kugovera musati wasvika pane imwe nguva, kazhinji 59½, kunyange zvazvo kune zvimwe zvisiri izvo kune mutero uyu.

Chirango chegumi chezana chemari inotengesa kana iwe wakatora kugoverwa kwekutanga kubva kubhuku rekuregererwa (IRA), Roth IRA, 401 (k) , 403 (b), kana chimwe chirongwa chekurega basa risati rasvika makore 59½. Mari yakatarwa inofanirawo kuiswa mumari yako inotengesa.

Imwe mitero inowedzera kusvika 25 kubva muzana kana iwe ukatora kugoverwa kubva kune SIMPLE IRA mukati memakore maviri kubva musi wawakatanga kutora chikamu muchirongwa.

Kusiyanisa

Iko kune zvikamu zviviri zvezvipfeko kumitemo iyi. Yokutanga inoshanda kumabhadharo emunhu mumwe nomumwe, zvose zvetsika uye Roth IRAs. Chechipiri inobata 401 (k) uye 403 (b) zvirongwa zvekurega basa.

Kusiyanisa kwekupararira kwekutanga kubva kuIRAs kunosanganisira:

• Iwe waive ne "direct rollover" kubhadharo yako itsva yekurega basa uchishandisa muteresi-to-trustee kutumirwa.

• Iwe wakagamuchira mubhadharo asi wakaisa mari yacho kune imwe yero yekubatira mari yakakwana mumazuva makumi matanhatu.
• Iwe wakanga wakagadzikana zvachose kana ukaremara zvachose.
• Iwe wakanga usingashandi uye wakashandisa mari kubhadharira mari yemisimamiro yehutano yehutano.
• Iwe wakabhadhara mari yekoroji iwe pachako kana munhu anovimba kana muzukuru.
• Iwe wakagamuchira kugovera sechikamu che "zvikwereti zvakaenzana zvakaenzana" pamusoro pehupenyu hwako.

• Vanokodzera vatengesi vekutanga vanogona kutora kugoverwa kusvika ku $ 10 000.
• Iwe wakabhadhara mari yekurapa inopfuura 10 muzana yemari yako yakagadziriswa yakawanikwa.
• IRS yakabhadhara mari yako yekubvisa mari kubhadhara zvikwereti zvemitero.
• Kugoverwa kunomiririra kudzoka kwekugadziriswa kwepamberi.
• Icho chakanga chisina kukodzera kugovera kubva kuRoth IRA.

Kusiyanisa kwekupararira kwepakutanga kubva pane chirongwa chekurega basa chakadai se 401 (k) kana 403 (b) chirongwa chinosanganisira:

• Kugoverwa kunoitwa pamusoro pekufa kana kuremara kwechirongwa chekubatanidzwa.
• Iwe wakanga wava nemakore makumi maviri nemashanu kana kupfuura uye iwe wakasiya basa kana wakasiya basa rako.
• Iwe wakanga uine makore makumi mashanu kana kupfuura uye iwe wakasiya basa kana wakasiya basa rako sevashandi vekuchengetedza vanhu vehurumende yehurumende.
• Iwe wakagamuchira kugovera sechikamu che "zvikwereti zvakaenzana zvakaenzana" pamusoro pehupenyu hwako.
• Iwe wakabhadhara mari yezvokurapa inopfuura 10 muzana yemari yako yakagadziriswa yakawanikwa.
• Kugoverwa kwaidiwa nemutemo wekurambana kana chibvumirano chokuparadzanisa pasi peshoko re "chikwata chakanaka chekuchengetedza hukama hwemhuri."
• Iwe wakagamuchira kugoverwa kwezvikwereti kubva kune Employee Stock Ownership Plan.
• Vakanga vari rubatsiro rwekuregererwa kubatsira.
• Vaive vakakodzera kugovera reservist.
• Vakanga vari kugoverwa kubva kumagariro ehurumende pasi pechirongwa chekusiya basa.

• Vakanga vachibvumidza kubviswa kubva pane chirongwa chine zvikamu zvekunyora.
• Vakanga vari kugoverana kwekugadzirisa uye / kana kuti mari inobatanidza nemipiro yakawanda.

Iwe haugoni kuva neimba mumakore maviri apfuura kuti uwane kukodzerwa kwekutenga pamba, uye chete $ 10 000 zvekupararira kwekusarura kunodzivisa mutero wekuteresa.

Iwe haufaniri kutemesa pamutero wako wekubhadhara kuti utaure mari yezvokurapa kunze.

Mamwe Mitemo Yakashandurwa muna 2016

Vamwe vashandi vehurumende vanogona kuwana mari yavo yekuchengetedza mari kubva pazera remakore makumi mashanu kana vakasiya basa kana kuti kusiya mabasa avo panzvimbo yekumirira kusvika makore 55. Vanosanganisira zvinhu zvenyukireya, VaStitori Capitol Police, Mapurisa Apamusoro-soro uye vezvematongerwo enyika vanoona nezvekuchengeteka. Izvi zvinoshanda kumaparidzi anobva kuhurumende anotsanangurwa kubatsirwa uye akarondedzerwa zvirongwa zvezvipo zvevashandi vanoparadzanisa nebasa mushure mekunge vasvika makore makumi mashanu.

Kuchinja uku kwakagadziriswa muna 2016 sechikamu cheKudzivirirwa kweAmerica kubva kuTare Hikes Act ye 2015 .

Kurondedzera Kutongwa Kwekutanga Kuparidzira

Iwe unogona kutora mutero unowanikwa zvakananga paFomu yako 1040, kana iwe unogona kushandisa Fomu 5329. Chinhu chako chakanaka chinoenderana nenyaya yako yemutero. Kazhinji, iwe unogona kuverenga mutero wechiripi paFomu 5329 kana iwe uchikwanisa kuwana imwe yezvisizvo uye urongwa hwako hwokurega basa hauna kuudza kunze kweFomu 1099-R mubhokisi 7. Kana chikamu chakanyatsodhindwa mubhokisi 7 ye1099 yako -R fomu, haufaniri kuzadza Fomu 5329.