Uye nei iwe uchifanira kudzivisa kutora mari yekurasira pakutanga
Kana iwe uchifunga kuti unoda mari, uye IRA yako ndiyo nzvimbo chete iwe unogona kuitora, ita nechokwadi kuti unoziva kuti mutero wechirango unoshanda sei usati wasarudza kutenga mari mune chikamu cheIRA yako.
IRA inotanga sei kubvisa chirango chechirango? Heino muenzaniso.
Ngatiti iwe uri nemakore makumi mashanu uye iwe unotora madhora gumi nemazana gumi kubva kune yako tsika yeIRA.
- Iko $ 10 000 inoratidzira semari muhosi yekutanga yebhadharo yako yekutengesa (mumutsara we15a uye 15b pane fomu 1040 inowanzogara.)
- Iyi mari inowanikwa pamwe chete nemamwe mitsva yemari yekuwana kuti uone huwandu hwemutero wemutero wegore.
- Nhamba yemitero inokweretwa pa $ 10 000 ichasvika pamutero wako wemutero, iyo inotarirwa nemari yako yose uye mari yakabviswa.
- Mukuwedzera kune mutero pa $ 10 000 pakutanga kubvisa, mutero we10% wekutengesa unongororwa pane kubviswa.
- Muchiitiko ichi, icho chaizova mari yakawedzerwa $ 1 000 yemitero inokweretwa kuwedzera pamutero wako wekushambadzira.
Kana iwe wakanga uine mari inopfuura $ 1 000 pamitero yakachengetwa mukati megore kudarika zvaunoda kuvhara yako yemutero musero, saka, pasinei neIRA yakatanga kubvisa, hapana mimwe mitero yaizobhadharwa.
Zvinoreva kana iwe usina kutora kare IRA kubvisa, iwe ungadai wakagamuchira zvishoma $ 1 000 zvekubhadharwa. Nemhaka yemutero wechirango, iwe hauna kuwana mari.
Kana iwe usina kubhadhara zvakakwana mukati megore, iwe unenge uine chikwereti pane nguva yemitero, uye iwe unogonawo kurohwa nechimwe chikwereti kune IRS yekubhadharwa kwemitero.
Kuti udzivise izvi, paunotora kugovera kwako kweIRA zviri nani kuti mitero yakadzivirirwa kubva pane kugoverwa. Saka kana iwe uri kutora $ 10,000 zvekutanga kugovera, uye uine 30% yemitero isingabhadharwi, iwe ungagamuchira cheki ye $ 7,000, uye $ 3,000 ingatumirwa zvakananga ku IRS yemitero.
Kudzivisa Mutero Mutero
Kana uri kushandisa kushandiswa kwekutanga kweIRA kubhadhara chikwereti, funga zvakare. Mareji epamberi angapa mamwe maitiro ekudzivirira chikwereti. Dzidza zvakawanda muKupera Iwe Cash Out 401 (k ). Vazhinji vemitemo yekudzivirira chikwereti inoshanda kune 401 (k) s inoshandawo kune IRAs.
Izvo zvakaoma kuponesa zvakakwana kuti udzose nhoroondo shure kwekurega kubvisa. Iwe unofanirwa kufunga nezveIRA yako mari sechinhu chako dendere egg. Ita zvose zvaunogona kuti urege kubvisa kare. Kana iwe uchifanira kutora mari kubva kuIRA yako, ona kana iwe unogona kukodzera kune imwechete kune mutero wekuripira .
Mutero wechibharo pamusoro apa unoshandawo kumabviro ekutanga anotorwa kubva ku 401 (k) nhoroondo.
Kana ukangosvika makore makumi maviri nemashanu (kana kuti makore makumi mashanu nemamwe makumi maviri nemashanu mune mamwe maitiro e 401 (k) chirongwa ), mutero wechirango hauchazoshandisi pakubvisa. Panguva iyoyo, chero kuregera kunowanzosvika mari inowanikwa mari yako. Ini ndinovhara mitemo iyo mumitero paIra Normal Kubhadhara .
Mukana Mariro
Chirango nemitero zvingaita sezvisingakoshi pakutanga, asi rangarira kuti imwechete ye $ 11,000 nhasi inogona kukosha $ 26,000 makore gumi nemashanu pasi pemugwagwa kana zvikwereti zvako zvichiwana 6% inodzoka gore negore.
Zvibvunze, ichi ndicho chandinokwanisa here?