Zvaungaita NeCash kubva kune 401 (k) kana IRA Rollover
Panoita sarudzo yekuendesa chirongwa chekurega basa, kutora chikwereti chemari inowanikwa inowanzova imwe yezvisarudzo zvitatu, kusanganisira rollover, kuparadzanisa zvishoma kana kuchengetedza rubatsiro mukambani ino yekusingaperi kana chero bedzi chirongwa kana kuchengetedza kambani inobvumira .
Lump Sum Distribution Tsanangudzo
Kakawanda, kana zvasvika pakuparidzirwa kunogona kuve nemigumisiro yemitero, inogona kuva yakachenjera kudzidza tsanangudzo uye kutonga zvakananga paIndaneti Revenue Revenue Service, IRS.gov. Heino tsanangudzo ye IRS yekubvisa-kushamba kwekugovera:
Chimwe chikwereti chekugoverwa ndiko kugoverwa kana kubhadhara, mukati megore rimwe chete remutero, wepurogiramu yepurogiramu yevatori vechikamu kubva kune vose vashandi vanogadziridza mari yepensheni, kugoverana kwebatsiro, kana zvirongwa zvemabhonasi emabhangi. Nhoroondo dzose dzevadzidzi vacho pasi pemushandirwi akapiwa mari yepenjeni, kugoverana kwebatsiro, kana zvirongwa zvemabhonasi emafambisi zvinofanira kugoverwa kuitira kuti zvive chekugoverwa kwemari.
Lump Sum Distribution Sarudzo: Zvaunofanira Kuita (uye Kwete) NeCash yako
Mukutaura kwakajeka sendima yemari yakagadzirwa inogona kurondedzerwa se "kubhadhara" ye 401 (k) chirongwa. Vanhu vanobva vatarisana nechisarudzo chekuita nehuwandu ihwohwo - kana kuitora nenzira yemari (chengetero inobhadharwa kwauri, iwe pachako) kana kuitora nenzira ye rollover (chengeteredzwa kunyoreswa yako itsva IRA kuchengetedza pachinzvimbo chako).
Nzira yakanakisisa yekugadzirisa chisarudzo ichi ndotanga neicho chisingafaniri kuitwa nemari yako yakaoma-yakagadzirirwa uye yakachengetedzwa yekusarirwa mari.
Kana iwe uchikwanisa kuzvidzivisa, haudi kugamuchira kugovera kwako nenzira yemari (chengetesa inowanikwa kwauri). Zvechokwadi, chisarudzo chekuita nemari yako ndeyako asi apo iwe paunogamuchira mari yemari mumari, zvinoreva kuti iwe wakarasikirwa nemutero unobhadhara wekutora mari.
Mumashoko akasiyana, kugoverwa kunotengesa . Izvi ndezvokuti 401 (k) zvipo, mumatambudziko akawanda, zvakabviswa kubva pamarikiti yako pazvakatangira mutero - hazvina kumbobhadhara mitero. Somuenzaniso, kana yako 401 (k) chikwereti chiri $ 10 000 (uchifunga kuti wakatora 100% kutenga kana kuti umiridzi wekubatsira kwako), uye iwe ukasarudza "kuibhadhara" uye kutora cheko inobhadharwa kwauri, mari yaunogamuchira ichava zvakanyanya kudarika $ 10 000 mushure mekuteresa.
Muzviitiko zvakawanda, 20% yemari yekugovera mari ichadzivirirwa kuhurumende yemitero, inokusiya iwe ne $ 8,000 chekuongorora. Zvichienderana nezvikwereti zvako zvemutero, iwe unogona kukwereta zvakawanda mumitero kupfuura izvozvo! Somuenzaniso, kana iwe uri mu25% federal tax bracket, yako yose yemitero inosvika $ 2 500 (25% ye $ 10 000). Iwe uchagamuchira mari ye $ 8,000 asi iwe uchine chikwereti kuna Uncle Sam $ 500.
Chinhu chakanakisisa chaunogona kuita ne 401 yako (k) ndechokusarudza IRA rollover sarudzo. Izvi zvingave zvichinyatsogadzirisa kuva chepfu yemari yekugovera asi, pane kugamuchira chekiti inobhadharwa kwauri, uchawana cheko inobhadharwa neIRA yako yekuchengetedza. Somuenzaniso, kana ukazarura IRA neVanguard Investments . Paunenge wapedza basa nemushandi wako, uye iwe unogamuchira 401 (k) kusarudzwa kwako, uchasarudza sarudzo inotaura chimwe chinhu, "Rollover kuIRA" uye cheko ichanyorwa kuVanguard Investments (kwete kwauri).
Kana zvakaitwa zvakanaka cheko icharevawo FBO [zita rako]. FBO inoreva kuti "kubatsirwa." Apo chellover check inobhadharwa kune avo vanochengetedza (Vanguard mumuenzaniso uyu), iwe haugamuchiri zvakakwana mari, iyo mumitero yemari yemari inoreva kuti iwe hauna kuwana mari, uye iwe haubhadhara mutero pakuparidzirwa.
Nzira Yakanakisisa Yokugadzira Chirafu Sum yeCash
Kamwe kana chellover yekuparidzirwa kwekuongorora kwako yasvika paIRA yako mutongi, iwe zvino une mari muIRA yako inoda kuiswa. Iwe une zvisarudzo zviviri zvinokosha: 1) Uzviise zvose kamwechete kana 2) Uzviise mune zvinyorwa pane imwe nguva. Kana iwe uchida kuisimudza zvose kamwechete, iwe unoda kuchenjerera kusiyana-siyana (kupararira dambudziko pamitemo yakasiyana-siyana yakasiyana) uye kuvaka chikwata chemuviri wemari .
Kana iwe uchida kuderedza misika yemusika , iwe unogona kudhura mari-yevhareji mumari yako yakasarudzwa pamwe chete nekuisa mari yakatarwa yemwedzi pamwedzi pane imwe nguva yenguva, yakadai semwedzi gumi nemaviri.
Nenzira iyi, kana mutengesi uchinjeka zvakanyanya, iwe uchatenga mamwe mashizha pamatengo akakwirira uye zvimwe zvikamu pamatengo maduku. DCA inonyanya kushanda apo nhamba dzakakwirira uye zvinotarisirwa kuwira. Zvisinei, hazvisi kuchenjera kune vashandi vakawanda vanoedza kutengesa nguva .
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.