Kunzwisisa IRS Rule Nokutora Kugovera 401k Kutanga paAri 55
Kana iwe une 401 (k) chirongwa , zvichida watoziva kuti pane kazhinji kacho chirango che 10-percent chekubvisa imwe yemari asati usvika makore makumi maviri nemashanu. Asi pane zvimwe zvisiri izvo kune hutongi huno hwekuparadzanisa uye mumwe wavo unobata vagara vasati vapedza basa. Inonzi inozivikanwa seInternal Revenue Service "Mutemo we 55." Kana uine makore 55 kana kupfuura, chinhu chimwe chaunofanira kuziva nezvazvo.
Ndeupi Mutemo we 55?
I IRS Mutemo wevashanu unobvumira mushandi anoiswa kunze, akadzingwa, kana kuti anorega basa pakati pemakore 55 ne59 1/2 kuti atore mari kubva mumakore ake 401 (k) kana 403 (b) kuronga pasina kurangwa.
Izvi zvinoshanda kuvashandi vanosiya mabasa avo chero nguva panguva kana mushure megore rekuberekwa kwavo kwemazuva makumi mashanu.
Ichokwadi, pane kubata. Mutemo weku 55 unongoshanda kune zvinhu zviripo iye zvino 401 (k) kana 403 (b) -ye wawakapa iwe pawanga uri pabasa rauri kusiya iye zvino ava nemakore 55 kana kupfuura. Kana uine mari mune imwe yekare 401 (k) kana 403 (b), haikwanisi kubhadhara chikwereti chekutanga chekuregererwa. Iwe unofanirwa kumirira kusvika makore 59 1/2 kutanga kubvisa mari kubva kune iyo maakare kana iwe uchida kuzviita usingabhadhara chikamu chezana-muzana.
Mutemo uyu we 55 hauna kushandiswa kumakambani ekurega mari , kana. Kana iwe uchizoendesa zvinhu kuRLR rollover paunenge uchisiya basa rako, iwe haungakwanisi kubvisa nguva pfupi pasi peRule re 55.
Chii Chikamu 72 (t) Kuparadzirwa?
Pane imwe nzira yokutora mari kunze kwe 401 (k), 403 (b), uye kunyange IRA mari yekubvisa mari kana ukasiya basa usati wava nemakore 59 1/2.
Inonzi inozivikanwa seChinyorwa Chechipiri Periodic Payment kana sePP exemption. Ndiyo IRS Chikamu 72 (t) kugoverwa.
Uchishandisa chirongwa ichi chekuparidzira, iwe unotanga nokuverenga mararamiro ako oupenyu uye usingashandise izvozvo kuti uverenge zvipo zvishanu zvakaenzana kubva muurongwa hwekurega basa kwemakore mashanu mumutsara usati wava nemakore 59 1/2.
Asi zvipo zvinogona kuitika chero ipi zvayo uye hazvina kusungwa nezera rimwechete 55 chibvumirano seRule ye 55.
Unofanira Kutora Kupararira Kupi?
Kukwanisa kutora mari kubva kare kunogona kuva yakachengeteka yakawanda yekuchengetedza kune avo vanoona kuti vanofanira kubvisa mari vasati vasvika makore 59 1/2. Asi kana zvichikwanisika kubvisa uye kuwana rimwe basa , basa rekushanda, kana kuti kushanda semubatsiri, zvinogona kuve zvakanzwisisika kurega mari ichienderera mberi kukura mitero-yakasimudzirwa zvakanaka mumakumi makumi matanhatu kana zvichikwanisika.
Kutora mari kubva kare kunogona kuderedza kukosha kwenguva refu kwepodfolio yako. Izvi zvinonyanya kuitika kana makore ako okutanga ekurega basa ari akaipa kumusika. Kana iwe unotarisira kurarama hupenyu hurefu, kugovera kwekutanga kunogona kuisa mari yako yeramangwana pangozi.
Chimbofunga nguva yenguva dzose dzekufambisa zvisarudzo zvakanaka. Shanda nemumwe muteresi wezvemitero, wegadziri wezvemari, kana wekuita basa rako remutungamiri kuronga hurongwa hwekuregererwa.
Cherechedza: Nguva dzose bvunzurudza unyanzvi wemutero kune zvakanyanya kufarira kusvika kune zuva. Mitemo yemitero nemitemo inogona kuchinja nguva nenguva. Ichi chinyorwa hachisi mazano emutero uye hachirevi semazano emitero.