Kufunga Iwe Hauna Mari Yakakwana Yokubhadhara IRA Yako? Zvichida Iwe Unoti.
Kana iwe usina mari yakawedzerwa yekubhadhara mari yekubvisa mari kunze kwemari inoyerera iyo haifaniri kugara yakurambidza iwe.
Sezvo iwe uri pedyo nekurasikirwa, iwe unoswedera pedyo (kana watotopfuura) ane makore 59 ½.
Pave nemakore 59 ½ unogona kutora zvisizvo kubva kumabhengi ako ekurega kubhadhara pasina kutongwa nemitero . Izvozvo zvinoreva kuti mabhizimisi enyu ekurega basa ave ava kunyanya kufarira iwe.
Kana iwe uchikwanisa kutora mari yacho ichidzoka kunze kwechirango, uye kana pane mutero unobhadhara kuisa mari mumabhengi ako ekurega, ipapo hapana chikonzero chekusaita.
Chero bedzi iwe wakagamuchira mari , unogona kubhadhara mari yekubvisa mari. Iwe unosvika panaApril 15 th kubhadhara zvikwereti zvegore rapera mutero. Kana iwe usina humwe huripo huripo huripo, iwe unogona kuchinja mari kubva kubhesi risina kubhadhara mumabhengi ako emari ekuchengetedza mari. Heano nzira nhatu dzokuita izvozvo.
Shandisa Mari Kubva Mudare Rinochengetedza MuRoth Yako IRA, HSA, kana IRA
Ndinoda Roth IRAs. Kana iwe uchikodzero yekubhadhara Roth , saka, nenzira dzose, funga kuchinja zvimwe zvekuchengetedza kwako muRoth iwe newawakaroorana naye.
Iwe unogona nguva dzose kubvisa zvipo zvekubuda kunze pasina mitero kana zvikwereti. Kubudirira kune Roth chikwereti chekufarira kunowedzera kusina mutero.
Kunyange zviri nani kudarika Roth, tarisa kuAalth Savings Account (HSA) ; iwe unogona kubhadhara iyo kusvikira iwe usvika pamakore makumi matanhatu, kunyange iwe usina kuwana mari.
(Iwe unofanirwa kuva nechirongwa chakakodzera cherongwa hwehutano hwekuchengeta mari yekubhadhara HSA.)
Kana iwe ukaita zvakawanda kuti uwane mari yeRoth uye hauna kukodzera kuHSA unozoona kuti ndeapi mamwe mhando dzeIRAs iwe unogona kukwanisa kubhadhara, zvakadai seChechi IRA , Spousal IRA , kana kuti isina-deductible IRA .
Shandisa Chido Kubva kuCD Isina Kukwana Asi
MaCD akawanda ane chirango chekuregererwa, asi iwe unogona kutora chikwata chakawanikwa kubva kuCD pasina kutora chirango. Kana uine CDs dzisati dzava mukati memakambani ekurega mari, funga kushandisa chido chekubhadhara mari yekusambira.
Shandisa Mutemo-Kusununguka Kubva Kuchimwe Chisingakwanisi Kubhadhara
Iwe pachako une annuity iyo isiri mukati yekubvisa mari? Kana iwe uri kupfuura 59 ½, pfuma inogona kubviswa uye haisi pasi pekutengesa mitero, asi ichava pasi pemitero inowanikwa pamutero. Saka kana iwe uri kupfuura 59 ½ uye ukarega kuwana, wozozvipa kuIRA deductible, mutengesi waizova mutero usina kutora. Saka nei uchidaro? Kana yenyu annuity chikwata ichikwanisa kudhura mari, iwe unogona kuisa mari muIRA uye kutenga chero mutero wemari yebhadharo nemari yakaderera mari. Usati waita izvi ita nechokwadi kuti hausi kuvhara mari isingabhadhari inishuwarenzi iyo iyo annuity inogona kupa.
Vamwe vekare mabvumirano emakore vanofanirwa kuchengeta kunyange kana vane mari yakakwirira.
Mareji epamberi anotora chikwereti chekudzivirirwa, kuregererwa kwemitero, uye munyaya yeRoths neHSAs, zvingangove zvisingabhadhara mutero musingabhadhara. Zvinonzwisisika kuwana zvakawanda sezvaunogona muzvikwata zvemabhuku.