Ndinogona Kubvisa Mari Kubva kuMyangu 401 (k) Ndisati Ndasimuka?

Iwe Unogona Kuwana Zvose Yako 401 (k) Asset, Asi Mhosva Dzinogona Kuita

Ndiyo mubvunzo wakajairika munyika yekugadzirira basa rekugara muhurumende : Unokwanisa kubvisa mari kubva kune yako 401 (k) usati warega basa? Mhinduro yakajeka, hongu, iwe unogara uine kodzero yokubvisa zvimwe kana zvipo zvose uye mari yaunowana kubva kune yako 401 (k) uye kusununguka kwose kuchave kuri pasi pemitero yemari. Mhinduro refu ndeyokuti haisi nguva dzose iyo iri nyore uye chero mitero kana zvikwereti zvaunogona kubhadhara pane iyo kubvisa zvinotarisa kunyanya pazera rako.

Pasi pane pfupiso yenzira dzakasiyana dzekutora mari kubva kune yako 401 (k) hurongwa husati wapera basa:

Kurega kubva ku1401 (k) Kusati Azvarwa 59½

Kunyange iwe uine kodzero yekuwana yako 401 (k) zvipo uye mari yazvo pane imwe nguva, kana iwe ukaita kubvisa kusati kwava nemakore makumi mashanu, iwe unogona kunge uchatarisana nemimwe chirango chakanyanya. Chokutanga uye chakakosha, zvakakosha kuziva kuti chero kuregererwa kunoitwa kubva kune 401 (k) kwako kunobatwa semari inotengesa uye zvichienderana nemitero inowanikwa mugore rawakaita kubvisa. Asi kuwedzera kune mitero yemari inotora chikwereti, iwewo uchange uchitungamirirwa kune imwezve ye 10% yekutanga kupiwa chirango . Kune vamwe vateresi, mitero iyi uye zvikwereti zvinogona kuwedzera uye zvinoda kuvhara kukosha kwekutanga kwako kubvisa hafu.

Kana iwe uri kutarisa kuendesa kana rollover yako 401 (k) mari kune imwe kero yakakodzera, unogona kudzivisa mitero uye zvikwereti nemutongi akakodzera-to-trustee kutumirwa.

Kana uri kutarisa kuti uwane 401 (k) yefuma yako nekuda kwekutambudzika kwemari kana kuti kutenga kukuru sekunge iwe uripo kubhadhara imba, unogona kufunga 401 (k) chikwereti , asi iwe unofanira kuedza kudzivisa kubhadhara mari zvose mari.

Pakupedzisira, asi kwete zvishoma, kune mamiriro ezvinhu maunogona kuita kuti urege kutora chikwereti chisingabhadharwi kubva kune yako 401 (k) usati wasvika makore 59½:

• Iwe unopfuura uye bhajiro rebhuku rinotorerwa kune waunowana
• Iwe unodzima
• Iwe unobvisa chikamu chinenge chisingapfuuri chinotenderwa sechirwere chekurapa mari
• Iwe unotanga "zvakaenzana zvakaenzana periodic" kurega
• Kubvisa kwako kwakaguma kweChitano Domestic Relations Order (QDRO)
• Iwe unenge makore makumi mashanu nemashanu uye wapedza basa

Kurega kubva ku1401 (k) Mushure mekuberekwa 59½

Mumaziso e IRS, makore 59½ ndiyo nhamba yemashiripiti kana zvasvika mukudzivisa kutongwa kunosanganiswa nekutanga kwekutanga 401 (k) kubvisa. Pazera remakore 59½, unogona kuita chirango chisina kubhadhara kubva ku 401 (k) pfuma yakakonzerwa kune imwe tsika yeIRA. Kana mari yako ichiri mu 401 (k) hurongwa uye iwe uri pajeri, iwe unogonawo kuisa chirango chisina kubhadhara. Kana iwe ukazosvika makore 59½ uye uchiri kushanda, zvisinei, mitemo inogona kuchinja zvishoma.

Pazera remakore 59½ kana kupfuura, iwe unogona kuwanikwa 401 (k) zvinhu zvisiri chirango kubva pasarudzo yaimbova yevashandi kunyange iwe uchiri kushanda. Asi kana iwe ukava nemakore 59½ uye uchiri kushanda nekambani yaunayo 401 (k) yako, iwe unofanirwa kutarisa neurongwa wehurongwa pamusoro pemitemo chaiyo yeurongwa hwako. Chirongwa chako chinogona kupa izvo zvinonzi "in-service" kurega izvo zvinokubvumira kuti usvike 401 (k) yezvigadziro zvisingabhadhari, asi zvirongwa zvakawanda hazvipi izvozvi.

Yeuka, kunyange kana kubviswa kwacho kusingarangwi, ichava pasi pemutero wemari.

Kurega kubva ku1401 (k) Mushure mekukwegura 70½

Nepo iwe unogona kuwanzira kuwanikwa yako 401 (k) zvinhu zvisingabhadharwi zvakasununguka pazera remakore 59½, vanhu vakawanda vanoramba vachishanda zvakanaka kupfuura iyo makore uye, saka, vanonoka kubviswa kwavo vachibvumira kuti zvinhu zvirambe zvichikura musero-yakadzorerwa. Nezera remakore makumi manomwe nemakumi mashanu, zvisinei, IRS inotanga kuronga kuti iwe uite zvitsva zvekuita zvinozivikanwa sezvinodikanwa zvakaparadzirwa (RMDs) . Kuregererwa kwekutora kubva kuIras yako kunowanzodiwa pazera remakore 70 1/2, asi iwe unogona kunonoka kuitora kubva purogiramu yako yazvino yawakashandisa-yakadai sa 401 (k), kusvika munaApril 1 wegore mushure mokunge musara. Chimwe chinhu chinopesana nemurairo uyu ndechokuti vashandi vane zvikamu zvinopfuura 5 kubva muzana zvekambani vanotsigira chirongwa ichi vachiri kutanga kutora kuparadzirwa kubva kune 401 (k) chirongwa pazera remakore 70 1/2.

Chirongwa chakasimba chekusiya basa chinoda kuongororwa kwemikana yose inowanikwa yekushandisa mari yako yekuchengetedza mari kuti uwane zvinangwa zvehupenyu hunokosha. Zvakakosha kunzwisisa kuti sei uye paunogona kuwana sei mari yako yekuchengetedza mari mu 401 (k) hurongwa usati watora mararamiro ako. Ingoita kuti uve nechokwadi kuti unonzwisisa zvakazara mitero yemari inowanikwa mune imwe sarudzo. Kutora mari kubva kune 401 (k) mukati memakore ako ekushanda kunogona kukukandira iwe mubhakoni yakakwirira yepamusoro uye kuderedza kubvisa kwako chikafu chiya chinowanikwa mune ramangwana.