Kutora SIMPLE IRA Assets muNew 401 (k) Ronga

Pamusoro pebasa ravo, vanhu vazhinji vachachinja mabasa uye vashandi kakawanda. Kune avo vakapinda mubasa ravo rekushandira mari rakabhadharwa sa 401 (k) kana SIMPLE IRA, chii chavanofanira kuita neavo iyo kana vabva pavanoshandira vari kuve mubvunzo unonyanya kukosha. Kana zvasvika kune tsika dzekodzero 401 (k) pfuma iyo ichiri neurongwa hwekare hwemushandirwi, vashandi vane zvingasarudzwa zvekusiya zvinhu zviri muchirongwa chokudziendesa kuRROllover IRA kana mushandi wekushandira basa rakakodzera.

Asi kana zvasvika kune SIMPLE IRA assets, mitemo yakasiyana zvakasiyana.

SIMPLE IRA Rollovers

Sangano Rinoita Kuti Vanhu Vafambidzwe Vakagadziriswe (BASA) IRA musungo pakati peIRA inogara iine 401 (k). Kufanana nedzimwe IRAs, zvipo zvaunoita purogiramu yako nguva dzose uye sezvimwe zvirongwa zvinoshandiswa nevashandi se 401 (k), vashandi vanogona kupa michero kune SIMPLE IRA panzvimbo yenyu. Aya maitiro ezvirongwa ndiwo maitiro makuru emabhizimisi maduku nevashumiri vashoma vanopfuura zana.

Saka kana iwe une SIMPLE IRA pabasa, asi enda uende kune rimwe basa apo 401 (k) hurongwa huripo, une zvishoma zvingasarudzwa zvezvinhu izvi muurongwa hwako hwekare. Izvo zvinoenda apo apo iwe waunoshandira iye zvino anotsiva SIMPLE IRA yavo ne 401 (k) hurongwa. Iwewo une zvingasarudzwa zvemari yawakambotora SIMPLE IRA kana ukasiya basa rako rose uye unofarira kutora mari yako SIMPLE nekuiisa muIRA.

Pasinei nemamiriro ezvinhu, iwe unoda kuziva kana iwe uchikwanisa kupfuurira pamusoro peSIMPLE IRA yako mune chirongwa chitsva chakanakirwa.Iyo mhinduro mhinduro ndeyekuti, asi heino zvimwe zvinhu.

2-Gore Rakatongwa nokuda kweZVIITSA IRA Rinoenderera kune 401 (k) Zvirongwa neIRAs

Kana iwe wakabatanidzwa muSIMPLE IRA kwemakore maviri, unogona kupfuurira pamusoro pezvigadziro zvezvirongwa kune imwe chirongwa chakanaka, chakadai se 401 (k) kana IRA.

Kuramba pamusoro peSIMPLE IRA yako yepaRLR rollover , haisi iyo yakaoma zvikuru, asi iwe unoda kuve nechokwadi kuti uri kupedza rollover mukati memagariro eSIMPLE IRA urongwa uye mitemo yeRS kuti uone kuti rollover inokodzera se chirango uye mutero-pasina muteresi-to-trustee kutumirwa.

Mitemo yakafanana inoshanda yeSIMPLE IRA rollovers kune anokwanisa 401 (k) hurongwa. Kana iwe ukatora rimwe basa apo 401 (k) chirongwa chinopiwa, une sarudzo yekurollover SIMPLE IRA yako mairi kune chirongwa chako chemugadziri weurongwa uye mushando usingabhadhari kana wakanga uchipa kune SIMPLE IRA kwevanenge vaviri makore. Kana zvisina kudaro, rollover yakadai inogona kutora chirango chakanyanya. Saizvozvowo, kana waunoshandira achishandura kubva ku SIMPLE IRA kusvika kune 401 (k), unogona kuvhara SIMPLE IRA yako yezvinhu mumutemo 401 (k) wakapiwa iwe unosangana nekutonga kwemakore maviri.

2-Gore Rinotongwa nokuda KUNYANYA IRA Rinotarisa kune rimwe RIMWE IRA

Kana ichinge isati yava makore maviri kubva mupiro wako wekutanga ku SIMPLE IRA, haungapfuuri kune imwe imwe hurongwa kunze kweimwe SIMPLE IRA pasina kukonzera zvikwereti zvakakura zve-25% zvehuwandu hwose. Izvozvo zvaiti, iwe unokwanisa kutumira chikamu chero chipi zvacho kubva kune SIMPLE IRA kune imwe SIMPLE IRA mukutora mutero-free-trustee kutengesa chero nguva pasinei nekureba kwenguva yawakave uchiita.