Kutora Zvokutanga Kubva Kubva IRA

Vanhu vangave vachida kuisa muhutori hwavo hwekubvisa mari vasati vasvitsa makore makumi mashanu nemapfumbamwe nehafu. Ndiyo nguva isati yapfuura iyo kugoverwa kubva kune rimwe rega rekubatira mari kunofungidzirwa "kutanga." Kuparidzirwa kwekutanga kunogona kuiswa kune imwe yero mutero. Ndiyo gumi muzana pamusoro pemitero yenguva dzose inoshandiswa.

Heano mamwe mazano evanhu vanofunga nezvekutora kuparidzirwa kwekutanga kubva kubhuku ravo rekurega basa.

Mitemo Yenheyo Yokutora Kuparidzirwa Kwepakutanga kubva kune Mumwe Nomumwe Muchengeta Mari

1. Kugoverwa kubva kumunhu wekutsvaga mari (IRA) munhu asati asvika makore makumi mashanu nemakore mashanu nemakore mashanu ane makore makumi maviri nezana anopfuura makumi maviri kubva muzana anokonzera kushandiswa kwepasitori kunze kwekunge chikamu chisina kushanda.
2. Izvo zvinokwana 10% zvinoshandiswa kune chikamu chinotengesa chekupararira kweIRA.

Kusiyanisa kune 10% Yekutanga Kuparadzira Surtax

• Iwe waive ne "direct rollover" kubhadharo yako itsva yekurega basa.

Kana kuregererwa kwako kwekurega basa kwakakonzerwa pamusoro payo kubva kubasa rako rekare rekurega kubhadharwa kuenda kune imwe kambani yekurega basa mumuteresi-ku-mutongi wekutumira, iyo rollover haina kuverenga sekuparadzirwa. Iyi inenge isiri iyo inokonzerwa, uye 10% yepamusoro yepamusoro haisi kushanda.

• Iwe wakagamuchira chikwereti chemari yakakwana asi wakakungirirwa pamusoro pemari yacho kubhadharo yakakodzera yekurasira mumazuva makumi matanhatu.

Kana iwe zvisina kukodzera rollover uchichengetedza kubva kubhuku rako rekare rekubvisa mari nekutora mari yako iwe pachako, uyezve udzorera mari iyo mune imwe kero yekubvisa mari, iri rollover iri pachena haina kuverenga sekuparadzirwa.

Icho chisingaiti chechiitiko uye 10% yepamusoro yepamusoro haisi kushanda. Iva nechokwadi kuti munhu ane mazuva makumi matanhatu ekupedzisa rollover isina kuratidzika. Uye mutungamiri wehurongwa hwekare hwekurega basa achabvisa mari, izvo zvinoreva kuti uchawana zvishoma kudarika mari yakawanda. Kana iwe uchida kupfuurira pamusoro pemari yakawanda (kurega mitero uye zvinyorwa), iwe uchada kushandisa imwe mari kuti uite mutsauko.

Somuenzaniso, une $ 10 000 muIRA1 uye unoda kuita rollover isina kukodzera kuIRA2. Urongwa wehurumende huri kutora 20% federal tax ($ 2,000) uye inokucheka cheki ye $ 8,000. Kana iwe ukapedza mari ye $ 8,000 chete mukati mezuva remazuva makumi matanhatu, iwe uchadzivisa mutero uye 10% yepamusoro yepamusoro ye $ 8,000 iyo, asi mari inosara 2,000 inenge ichitsvaga. Kuti usabhadhara mitero pamari yakazara ye $ 10 000, iwe unoda kushandisa imwe mari kuti uite mutsauko. (Muchawana $ 2,000 musimbiswa zvakare sechikwereti chemutero unobhadharwa iwe paunoshandisa mutero wako wekudzokera.)

• Iwe wakanga wakagadzikana zvachose kana ukaremara zvachose.

Ita 10% yepamusoro yeptax haina kushanda kana munhu akaremara. "Iwe unonzi wakaremara," IRS inoti, "kana iwe uchigona kupa uchapupu hwokuti haugoni kuita chero basa ripi zvaro rinobudirira nekuda kwehupenyu hwako hwepanyama kana chiremba.chiremba anofanira kusarudza kuti mamiriro ako anogona kutarisirwa kuunza rufu kana kuti kwenguva yakareba, yakaramba, uye isingagumi kwenguva refu "(Publication 590-B, Kugoverwa kubva kumarongero Evanhu Pamwe Chekugara, chikamu chakaremara).

• Iwe wakanga usingashandi uye wakabhadharwa kwepumisiyamisi yehutano yehutano.

Pane zviyero zvina kuti zvikwanisike kune imwe yehutano yehutano yehutano kusvika kune 10% yepastax.

1. Iwe wakarashika basa rako.

1. Iwe wakagamuchira kusabhadhara kwemabasa kwemasvondo gumi nemaviri anotevera.
2. Iwe wakagovera mari kubva kuIRA yako zvakare mugore rimwechete apo iwe wakagamuchira kusabhadhara kwemabasa kana mugore rinotevera.
3. Iwe wakagovera mari kubva kuIRA yako mushure memazuva makumi matanhatu mushure mekushandiswa zvakare.

Kana zvose izvi zviri zvina zvichisangana, ipapo chegumi che10% chinoshandiswa hachishandisi pahuwandu hwekugovera kwekutanga, kusvika pamari yakazara yehutano hwehutano iwe nemhuri yako mugore rose. (Kuparidzirwa 590-B, chikamu che inshuwarisi yezvehutano.)

• Iwe wakabhadhara mari yekoroji iwe pachako kana munhu anovimba naye.

Kuparidzirwa kwepakutanga kusvika kuhuwandu hwemari yepamusoro yezvidzidzo zvemari haisi pasi pe10% yepamusoro. Dzidzo yepamusoro yepamusoro inosanganisira mari yekudzidzira, mabhuku uye zvimwe zvinhu zvinodiwa nemichina yekudzidzira postsecondary yakadai semakoroji, vunivhesiti, uye zvikoro zvebhizimisi.

(Kuparidzirwa 590-B, chikamu chemari yepamusoro mari.)

• Iwe wakatenga imba kwekutanga.

Vokutanga venguva yekudzokera kumba vanogona kutora kushanyira kusvika $ 10 000 kubva kuIRA yavo pasina kubhadhara 10% yepamusoro. Pane zvinhu zvitatu zvinodiwa kuti uwane:

1. Mari yakagoverwa kubva kuIRA inoshandiswa kubhadhara mari inobatanidza kutenga, kuvaka, kana kuvakazve imba, kana mari ipi yekuvhara.
2. Mushandi wekutanga wekuwana musha mumwe munhu asina pfuma yekugara mumakore maviri apera kuguma musi wekutenga. (Vabereki kana vanasekuru navanambuya vanogona kushandisawo mukana wokutanga wemudzidzi wemukana kuti vabatsire vana vavo kana vazukuru kutenga imba.)
3. Pane mamiriyoni ehupenyu we $ 10 000 kune vose vese vekutanga vashandi vemunharaunda pamunhu wese.

Kana vakaroorana, vaviri vakaroorana vanogona kutora $ 10 000 kubva kuIRAs vasina 10% yepamusoro.

• Iwe wakabhadhara mari yezvokurapa inopfuura 10% yemari yako yakashandurwa yakawanda.

Vanhu vane zvikwereti zvisingaverengeki zvezvokurapa zvinogona kutora kuparidzirwa kwepakutanga pasina kubhadhara 10% yepamusoro. Izvo zvinokwana 10% zvepasta hazvibatsiri kuwandu hwekugoverana kwepakutanga kusingani kudarika mari yakabhadharwa kunze kwehomwe yemari yekurapa munguva yegore kunodarika 10% yemari yako yakashandurwa yakawanda. Cherechedza: kugoverwa kwemitero kuchawedzera kuchinjwa mari yakawanda.

• IRS yakabhadhara mari yako yekubvisa mari kubhadhara zvikwereti zvemitero.

Kana Internal Revenue Service inobhadhara IRA yako kubhadhara mitero yakabhadhara mitero, iyo kugoverwa haisi pasi pekutengesa 10%. IRS inoziva izvi zvakasiyana.

• Iwe unodanwa kuti uite basa rinoshanda se reservist.

Vanhu vari kushanda muHondo National Guard, Army Reserve, Naval Reserve, Marine Corps Reserve, Air National Guard, Air Force Reserve, Coast Guard Reserve kana Reserve Corps yeHurumende yeHurumende Inogona kutora kuparadzirwa kwekutanga kubva kuIRAs isina 10% yepamusoro kana mamiriro mana aya anotevera:

1. Munhu wacho anonzi anoshanda kushanda pashure peSeptember 11, 2011.
2. Munhu wacho anoshevedzwa kuita basa rinoshingaira kwemazuva anopfuura 179 kana nguva isingagumi sechinhu chekuchengetedza chikamu.
3. Kuparidzirwa kwekutanga kunobva kuIRA kana kusarudzwa kwemashoko makumi mana (k) kana 403 (b) kana chirongwa cheboka chakafanana.
4. Kuparidzirwa kwekutanga kunowanikwa pakati pezuva rekuraira kana kudana kune basa rinoshanda uye kuguma kwebasa rinoshanda. (Mune mamwe mazwi, kugoverwa hakuitiki mushure mekunge kana mushure memazuva iwayo.)