Nzira yekudzivisa kubhadhara mubhadharo mari paIRA ekuregererwa.
Pasi apa pane masere masere anogona kukuita kuti uwane mutero wechirango cheIRA pamusoro pekuregererwa kunotorwa usati wasvika makore 59 1/2.
(Hapasipo kunze kwokubhadhara mutero unowanikwa pamari pamutengo wacho wakabviswa.)
Mari Yedziremba
Unokwanisa kukodzera kubhadhara mutero weIRA mutero kana iwe wakashandisa IRA yako nguva pfupi kubvisa kuti ubhadhara mari yezvokurapa iyo inopfuura 10% yemari yako yakashandurwa yakawanda.
Health Insurance Insurance
Kana iwe usingashandi, wakashandisa IRA kutanga kubvisa kuti ubhadhara mari yako yehuranishuwarenzi, uye iwe unosangana nezvimwe zvinodiwa pasi apa, iwe unofanirwa kuregererwa:
- Iwe wakagamuchira kubhadharwa kwemabasa kunobhadharwa pasi pemutemo wehurumende kana wehurumende kwemavhiki gumi nemaviri akatevedzana nokuti wakarasikirwa nebasa rako.
- Iwe unogamuchira kuregererwa kweIRA panguva ipi zvayo mugore rawakagamuchira kubhadharwa kwemabasa kana gore rakatevera.
- Kana iwe wakambove wakashanda zvakare, haugoni kugamuchira IRA yako kubviswa kwemazuva anopfuura 60 mushure mekunge basa rako idzva ratanga.
Kuremara
Kana iwe wakagadzikana, ronga kugadziriswa kwechiremba kuti uwane chikamu kune mutero wechirango.
Maererano newebsite ye IRS,
"Iwe unonzi wakaremara kana uchikwanisa kupa uchapupu hwokuti haugoni kuita chero basa rakawanda rinobatsira nekuda kwehutano hwako hwepanyama kana chiremba.chiremba anofanira kusarudza kuti mamiriro ako anogona kutarisirwa kuunza rufu kana kuva kwenguva yakareba, kupfuurira, nekusingaperi nguva. "
Iwe Unhaka IRA
- Kana iwe uine nhaka yeIRA kubva kune munhu asiri wawakaroorana naye, kunyange dai muridzi weIRA aiva pasi pezera remakore makumi matanhatu nemashanu, haufaniri kubhadhara mutero wechibharo pamari yakabviswa. Iwe uchazofanira kusanganisira chero IRA kuregera mumari yako yakashandurwa yakawanda.
- Kana iwe uine nhaka yeIRA kubva kumudzimai, uye iwe ukasarudza kuitora seIRA yako pachayo, ipapo chero IRA ipi zvayo kubvisa iwe unogamuchira ichava pasi pekutora mutengo we10%.
- Kana iwe uine nhaka yeIRA kubva kune mumwe wako, asi iwe unosarudza kutumidza IRA se "IRA inotora nhaka," iwe unogona kukodzera kugamuchira IRA pakarepo kubvisa pasina kubhadhara mutero wemadhora 10%.
72 (t) Mitero
Yakasikwa neInternal Revenue Code Chikamu 72 (t), chirevo cheStalty Equal Periodic Payment (SEPP) chinoita kuti vateereri vemabhengi vabvise mari kubva kumabhengi avo ekurasikirwa panguva ipi zvayo, pasina mhosva. Iwe unofanirwa kutevera mamwe mitemo uye kushandisa nzira yakagamuchirwa yekuverenga kuenderera mberi kwekuregererwa kwemari.
Kune mitatu ye IRS-yakagamuchirwa nzira yekuverenga chiyero chekunyorera kwe SEPP. Iwe unofanirwa kuomerera nepurogiramu yako yekudzorera kwemadiki mashoma mashanu, kana kusvika usvika kusvika makore 59 ½ (chero chiitiko chinowanikwa gare gare) kana mari yose inodzingwa inogona kuiswa pasi pemutero wechibharo.
Dzidzo yepamusoro yepamusoro
IRA yakatanga kushandiswa kubhadhara mari yakakwirira yepamusoro yezvikoro panzvimbo yako iwe, mudzimai wako, kana vana kana vazukuru vako iwe kana wako wako, havabhadharwi mutero wekutengesa 10% kana vakabhadharwa kuchikoro chekodzero yakakodzera.
First Time Home Purchase
Kusvika ku $ 10 000 yeIRA yakatanga kubvisa iyo inoshandiswa kutenga, kuvaka, kana kuvakazve imba yekutanga kumadzitateguru (mubereki kana vanasekuru) iwe pachako, mumwe wako, kana iwe kana mwana wemumwe wako, kana muzukuru, ungasunungurwa kubva 10% mutero wekutengesa kana iwe ukasangana neIrS tsanangudzo yekutanga kugadzirira mutengesi.
Kana iwe newawakaroorana naye muchikwanisika sekutanga kumusha vatengi, ipapo mumwe nomumwe wenyu anogona kubvisa $ 10 000 kubva kune umwe neumwe weiyo IRAs pasina kubhadhara mutero wekutengesa 10%.
Kugoverwa kunofanira kushandiswa kubhadhara mari yakakwana yekuwana mari (iyo inosanganisira kugadzirisa kwekuvhara mari) kusati kwasvika zuva rechigumi nemaviri kubva pazuva rawakagamuchira.
Vakakodzera Reservist Distributions
Kuparidzirwa kwakakodzera kwekuchengetedzwa kwepasitadhi hakusi pasi pemutero wekuripira paIRA mushure mekutora.
Maererano ne IRS kuparidzirwa kwawakagamuchira ndekugoverwa kwekuchengetedzwa kwevashandi kana zvinotevera zvinosangana:
- Iwe wakarayirwa kana wakadanwa kuti uite basa rinoshanda shure kweSeptember 11, 2001.
- Iwe wakarayirwa kana wakadanwa kuti uite basa rinoshanda kwemazuva anopfuura 179 kana panguva isina nguva nokuti iwe uri nhengo yedunhu rekuchengetedza.
- Kugoverwa kunobva kuIRA kana kubva pamari inokonzerwa nesarudzo dzakasarudzwa pasi pechikamu 401 (k) kana 403 (b) chirongwa kana urongwa hwakafanana.
- Kugoverwa hakuna kuitwa kare kupfuura zuva rekuraira kana kudana kune basa rinoshanda uye pashure kwekuvhara kwebasa rinoshanda.
Mitemo yakataurwa munyaya ino inobva kuIndaneti IRS Publication 590 , uko iwe unogona kuwana ruzivo rwakawedzerwa pamusoro pezvikwereti zveIRA zvisiri izvo.