Mashandisiro Aungaita 72 (t) mubhadharo wekutanga kweARA Kubhadhara

Shandisa mutsara wemari yakaenzana yakaenzana yepamusoro yekutengesa rusununguko

Izvo Zvakangoenzanisa Periodic Paiodic Mutemo unotendera iwe kutora mari kunze kweIRA isati yasvika 59 ½ uye usabvisa 10% yekutanga kutora mutero wechirango . Nzira iyi inonziwo 72 (t) kubhadhara nokuti mutemo unowira pasi peRI code code 72 (t).

Kuti ushandise 72 (t) kubhadhara, zvakare kunonzi SEPP kubhadhara, unofanira kubvisa mari maererano nezvimwe purogiramu . I IRS inokupa nzira nhatu dzakasiyana kuti uverenge purogiramu yako yekuregera.

Pasi ini ndinovhara imwe neimwe yemitatu iyi, uye chii chaunoda kuziva usati washandisa chero ipi zvayo.

Usati watanga 72 (t) SEPP kubva kune IRA

Paunotanga kutora 72 (t) kubhadhara kweSePP, unofanira kubatisisa purogiramu yekubhadhara kwemakore mashanu kana kusvika kusvika pazera remakore 59 ½, chero ipi zvayo inouya gare gare (kunze kwekuti iwe wakaremara kana kufa). Kana iwe ukatsauka kubva purogiramu yako isati yakatarwa nguva yakafanira yakapera mutero wekuripa unogona kuiswa pamari yose inotorwa kusvika ipapo. Nokuda kwechikonzero ichi, usati watanga 72 (t) hurongwa hwokudzorera:

• chengetedza kuti uone kana iwe uchikodzera chero chimwe chezvimwe zvacho kunze kweIRA mushure mekuregera chirango , zvakadai sezvipimo zvemari yezvechiremba, kutanga kwekunge kutenga mumba, nezvimwewo.
• iva nechokwadi kuti hausi mune dambudziko rezvemari uye une zvikwereti. Kunyange zvazvo zvichibvira kubuda kubva kuIRA muchiedza "kuchengetedza" zvinhu, iwe unogona kuguma uri mubhadhadzi isina mari yakachengetedzwa kwemakore ako akazotevera.

Nzira yekuverenga uye Sarudza Nzira Yakanakisisa ye 72 (t) Kubhadhara

Kana zvisarudzo zvepamusoro zvisingabatanidzi kwauri, tarisai zvingasarudzwa zvezvikamu zvakakosha zvebhadharo periodic. Iwe haufaniri kuti upfuure kuburikidza nekuverenga uku, sezvo iwe unogona kushandisa imwe yeInternet 72 (t) kuverengera inorongwa pasi apa, asi zvakakosha kuti unzwisise kuti kuverenga kunoshanda sei.

1. Zvinotarisirwa Minimum Distribution (RMD): Tanga nekutsvaga yako yakawana makore pafurairi ye IRS yakakodzera, iyo ichazokuudza iwe mutungamiri wekushandisa kwezera rako. Iwe unogovana chikamu chako chegore rekutanga remakore yekugadzirisa nemudzidzisi uye ndiko kugovera kwako kwegore. Iyi nzira inoda kuti iwe udzokere zvakare kubhadhara kunoda kubhadhara gore roga roga zvichienderana nehutano hwako hwemakore asati apera uye uchiwana makore. Iyi ndiyo yega nzira imwe chete iyo nzira yekuregererwa kwayo ichasiyana kubva gore negore.
2. Amamiti: Iyi nzira yekuregera inoita purogiramu yekubvisa mari yegore negore inotarirwa sezvinoitwa purogiramu yekubhadhara pane chikwereti. Iwe unotora chikamu chazvino chingazivikanwa chekambani (yakadai seyeri yekupedzisira kwegore roga roga kana yemwedzi wekutaura kwekambani), tora chikwata chakanaka chekuda (IRS inoti haugoni kushandisa chiyero chikuru kudarika 120% yemakore ekupedzisira Apply Federal Rate (AFR) ), uye ugadzire purogiramu yekubhadhara gore negore inobva paupenyu hwakatarwa hwokutarisira tafura (hupenyu humwe chete, hutano huri pamwe nemurume wako asiri mudzimai wako, kana hupenyu hurifurafura kana mudzimai wako ari makore anopfuura gumi vaduku kupfuura iwe).
3. Kubhadhara kwemari: Iyi sarudzo inoshandisa nzira yakadai sepenhensi kana kambani yveshuwarenzi inoshandisa kuronga hupenyu hwegore hwekubhadhara mari. Iwe unotora mararamiro ezvakaitika munguva ichangobva kutaurwa uye uri kugovera iyo ne annuity factor iyo inobudiswa muhotera yekufa mu Appendikisi B weRev. Rul. 2002-62 .

Zvose zviri zviviri zveAmori uye zvekugadzirisa zvemari pamusoro apa zvinoguma nemari yakatarwa yekubhadhara gore negore uye unofanira kubatisisa purogiramu iyoyo kusvikira nguva yemakore mashanu kana kusvika kusvika pazera remakore 59 ½ kunze kwekuti iwe uchitora nguva imwe chete mumutambo wekubhadhara RMD.

Online 72 (t) Calculator

Hapana chikonzero chekuedza kuverenga izvi zvasarudzo iwe pachako. Shandisa imwe yezvikamu zviviri zvekutsvaga iri pasi apa kuti uverenge matanho ose matatu.

• 72 (t) Mutoriri weCalcXML: Ichi chokutaridzika chinokubvumira kugovera chiyero chekukura pamwe ne "chikonzero" chechibereko chinoshandiswa mumatauriro ekuverenga. Kuwedzera kwekushandiswa kunoshandiswa kukuratidza kuti chii chikamu chenhoroondo yako ichakura (kana mushure mekubviswa) kana ichizadzisa iyo yehutano yekudzoka. Izvi zvinopawo girafu uye purogiramu yechinhu chimwe nechimwe uye inopa kukwanisa kuunza yako puropoti yeP PDF.

• 72 (t) Kuverenga neBhangerate: Ichi chokutarisa chine zvidimbu zvinokubvumira kuti ushandure zviri nyore zvinyorwa, asi zvakanakisisa zvayo ndezvinyorwa pasi pe grafu, izvo zvinopa zvishoma zvehuwandu huwandu hwemashoko akazara.