Mitsva Yemutero Migumisiro yeMuparidzi Anopona Muzukuru IRA kana 401 (k)
Mudzimai anoramba aripo ane zvakawanda zvaanokwanisa kuita nezvaanokwanisa kuita neIRA kana 401 (k). Zvisarudzo zvinosanganisira zvinotevera:
- Kuendesa iyo nhoroondo kusvika kune imwe yero yakasara yemudzimai wekusarura - Mune zvimwe zviitiko, mudzimai anoramba aripo achangosarudza kupfuurira pamusoro peIRA kana 401 (k) mubhadharo rake rekurega. Kana izvi zviri izvo, ipapo mitsara inobhadhara mitero inosanganiswa neIRA kana 401 (k) icharamba ichiendeswa mberi kusvikira mudzimai anenge aripo achiita kuti abve paakaiti. Kunze kweizvi, mudzimai anoramba aripo achakwanisa kushandisa tarisiro yeupenyu hwake nekuda kwekutora zvakaderera kugoverwa uye achakwanisawo kusarudza ndiani achawana kambani mushure mokunge mumwe wavo anenge ari mupenyu afa.
- Kusarudzwa kuti urambe uchibata iyo nhoroondo semhosva yemurume akafa - Kubatsirwa kworudzi urwu rwemasarudzo kunoshanda mumamiriro mashomanana apo murume wekutanga wekufa anofa asati ava nemakore makumi manomwe nembiri uye mudzimai anenge achiri mupenyu ari pasi pemakore makumi mashanu 1/2 uye makore mashomanana muduku kudarika mukadzi wakafa. Mumamiriro ezvinhu aya, mudzimai anoramba aripo achakwanisa kutora kutora zvakaderera kugoverwa kusvikira mudzimai wakafa aifanira kutora uye achikwanisa kubvisa mari kubva kubhuku pasina kutora 10% yekutanga kutora chirango . Zvadaro, kana mudzimai anenge asara ava kusvika pamakore 59 1/2, anogona kukwira pamusoro pekambani yacho mubhuku rake rekusasiya. Kunyange zvazvo iyo nhoroondo ichiri kutaridzirwa kuti iyo nhoroondo yowakambofa, mudzimai anenge achiri mupenyu anofanira kukwanisa kusarudza ndiani achawana iyo nhoroondo kana mumwe wavo anenge afa asati asvika 59 1/2.
- Kubhadhara iyo nhoroondo kuA kana B Trust yakagadzirirwa muurongwa hwemudiwa wevakafa - Kana IRA kana 401 (k) ikava chikamu chemukadzi wevakafa A kana B Trust nekuda kwekugadzwa kwaanoita uye / , ipapo mitero yemari inobhadharwa icharamba ichitaridzwa kusvikira mudzimai anenge aripo achiita kubvisa kubva kubhuku. Asi kana iyo iyo ikava chikamu cheA kana B Chivimbo, uyo anenge ari mupenyu achafanirwa kutanga kutora mashoma ekugoverwa akaverengwa pamusoro pehupenyu hwake hwekutarisira. Uyezve, mudzimai anenge aripo haazokwanisi kuchinja avo vanobatsirwa nekamberi mushure mokunge mumwe wavo ari mupenyu afa.
Imba Imitemo yeMuparidzi Anopona Kuwana IRA kana 401 (k)
Kunyange zvazvo 100% yekodzero yemari inotengeswa yeIRA kana 401 (k) ichabatanidzwa mukukosha kweimba yevakafa yeruzivo rwekutengesa imba, sezvo vakaroorana vanogona kusiya zvinhu pavakafa kune mumwe nemumwe pasina mitero yeimba kubviswa kwemhuri kusingagumi , pfuma yemumwe munhu akafa haazobhadhara mitero yepaimba paIRA kana 401 (k). Pane kudaro, kana musikana anenge ari mupenyu akazofa, 100% yezvakanaka pamusika kukosha kweIRA kana 401 (k) pazuva rekufa kwemukaro wako richabatanidzwa munharaunda yeawakaroorana naye kana mudzimai anenge ari mupenyu akasarudzwa kuti aende pamusoro peIRA kana 401 (k) mubhuku ravo kana kuti akashandisa iyo kubhadhara A Trust. Kune rumwe rutivi, kana IRA kana 401 (k) yakashandiswa kubhadhara B Trust, ipapo IRA kana 401 (k) haichazobatanidzi munharaunda yeawakaroorana naye.
Mitezo Yemitero Kana Iwe Usisi Mupona Mumuviri
Mitsva Yemutero Migumisiro Inhaka yeIRA kana 401 (k) kana Iwe Hausi Mupona Mumuviri
Kana iwe hausi iwe unopona nemudzimai weIRA kana 401 (k) muridzi webhuku, ipapo migumisiro yemitero yekuwana nhaka yekodha ichabva pane zvaunosarudza kuita nayo:
- Tumira iyo akaunti muIRA inotora nhaka - Kana ukasarudza kuendesa iyo iyo muIRA inotora nhaka, iwe uchazodiwa kutanga kutora mashoma ekugoverwa naDecember 31 wegore mushure mekufa kwemwene akafa uye kugoverwa kuchaverengerwa pamusoro pe makore ekurarama. Iwe unogonawo kutora mari yakawedzerwa sezvaunoda. Nguva imwe neimwe kugoverwa kunotorwa, inofanira kudiwa kana kwete, kukosha kwekupararira kuchabatanidzwa mumutero wako unotengesa. Asi cherechedza kuti iye zvino kune makumi mana (k) s, kutumira iyo akaunti muIRA inotora nhaka haisarudzo nekuda kwemitemo yekambani yekuchengeta chirongwa. Zvisinei, Mubhizi, Retiree uye Employer Recovery Act ya2008 (kana kuti WRERA) inoda kuti vashandi vose vataure izvi nenzira yaJanuary 1, 2010.
- Chengetedza iyo nhoroondo muzere - Kana ukasarudza sarudzo iyi, ipapo 100% yekugovera kwako ichabatanidzwa mumutero wako unotengesa .
Imba Imitemo yeHuramiro yeIRA kana 401 (k) kana Iwe Usisi Mupona Mumuviri
Zvose zvinotengeswa pamusika weIRA kana 401 (k) zvichabatanidzwa mukukosha komuridzi weimba yekutengesa mutengo . Nokudaro, kana imwe yenhumbi yemufi yakafa pamwe chete nehuwandu hweIRA kana 401 (k) kupfuura yezvino hurumende kana hurumende yakabhadhara mutero , ipapo mutenzi wemufi achapiwa mutero wemitero.
Chii Chinoitika Kana IRA kana 401 (k) Inoda Kubhadhara Mitero?
Kana muridzi wefa akafa, asi pane zvinhu zvisina kukwana kunze kweIRA kana 401 (k) kubhadhara mutero wemutero, iyo ichava dambudziko rakakomba kune uyo anowana IRA kana 401 (k).
Sei? Nokuti kubvisa imwe neimwe kubva kuIRA kana 401 (k) kuchaita kuti mari yacho ibudiswe ichibatanidzwa mumubhadharo wemari inotengesa. Uye zvakadini kana mubhadhari achida kutora mari yakawanda kubva mubhuku kuti abhadhara mari yavo yepamusoro yemutero? Ichaita kuti pave nemamwe mitero yemari pamutengo wacho unobviswa. Chigumisiro chekupedzisira chinogona kuparadza mari kune vadikanwa vako - kubva pa50% kusvika kusvika 90% yekambani yekurega mari iri kurasikirwa neimba uye mitero yemari. Nzira chete yekudzivisa izvi ndeyekuita kuti hupfumi hwako huve nemari yakakwana kana zvimwe zvinhu zvemvura kunze kwenyaya yekurega kubhadhara mutero wemutero.