Vakawanda Kubhadharwa Kwemari Zvinogona Kubatanidzwa Mumwe
Ndeapi maAkaunti Angave Akabatanidzwa?
Nenzira dzakawanda, nhoroondo dzinoshanda nenzira imwechete dzinogona kusanganiswa mushure mokunge iwe uri mutirano .
Zvinhu zvekutanga zvinomwe pane zvakarongwa pasi apa zvinoshanda nenzira yakafanana. Kana iwe ukaisa mari iyo inobhadhara mutero; apo iwe uchitora mari kunze iyo ichazobvunzwa pamutero wako wekubhadhara semari inotengesa mari . Kana iwe uine zvinyorwa zvishoma zvakasiyana kubva pane zvinhu 7 zvokutanga pane urongwa, izvo zvinogona kusanganiswa mune imwe nhoroondo yeIRA. Iyi nzira yekubatanidza maakaiti inonzi IRA rollover kana kutumirwa .
Retirement account types:
- IRA
- 401 (k)
- 403 (b)
- 457 (b) uronga
- SIMPLE IRA
- SEP IRA
- Keogh
- Pension Plan
- Roth IRA
- Roth 401 (k) (Roth Akarongwa Account)
Zvinhu zvokupedzisira zviviri zviri muzorongwa, Roth IRA, uye Roth 401 (k), inoshandawo nenzira yakafanana kune umwe neumwe. Iwe hauna kuwana kubhadhara mutero kwemari yaunenge waisa, asi inowedzera musero- pasina. Kana iwe uchitevera mitemo, kana iwe uchibvisa, ichava mubhadharo usina mari.
Kana iwe uine Roth IRA uye Roth 401 (k), pamubhedha wako Roth 401 (k) rinogona kusungirwa pamusoro, kana kubatanidzwa, neRoth IRA yako.
Izvo zvakasarudzwa kuunganidza zvikwereti zvakadai-mutsa ndizvo zvinonzi Roth kutendeuka apo iwe unotumira mari yekubhadhara mari yekubhadhara mari (kubva kune imwe yezvinyorwa zvekare zvinomwe) muRoth IRA.
Paunoita izvi mari yakashandurwa yose inosanganiswa semutero unotengesa pamutero wako wekubhadhara gore iroro.
Uye zvakadini nechinomwe huri pane urongwa, hurongwa hwepensheni? Kana hurongwa hwako hwepenjeni hukupa kukwanisa kutora mari yemari inoshandiswa iyo iyo mari inogona kuwaniswa yakaiswa pamusoro peIRA yako.
Kana iri girafu rezvinyorwa zvingagadziriswa ona IRS Rollover Chart iyo inopa tafura huru inokuratidzai maitiro eakaiti iwe unogona kutumira mari kuenda nekubva.
Unogona Kuwanikidza Kubatanidza Kubhadhara Chikwereti?
Vakaroorana havagoni kuunganidza mabhadharo ekurega basa. Nhoroondo yekusasirwa inofanira kunge yakanyorwa zita romumwe munhu. Mumwe mukadzi anokwanisa kutumidzwa semuzuzi, asi haugoni kuunganidza IRA yako nemumwe wako. Paunouraya, IRA yako inogona kuiswa mukati meIRA yemumwe wako, asi kwete kana iwe mose muri vapenyu.
Ndeipi Unogona Kubatanidza Kubhadhara Mari?
Kana iwe usisisiri kushanda kwekambani apo kambani yako yekubvisa mari iripo, iyo iyoyo inogona kuendeswa kuIRA. Kubhadharwa kwemakambani emaakambani kubva kune vekare vashandi vose vanogona kubatanidzwa kuva rimwe kana maviri IRAs nokuda kwenyu, nemari inobhadhara mitero inotamirwa kuenda kuIRA, uye michero isina mubhadharo yeRoth inotamirwa kuenda kuRoth IRA.
Paunenge uchiri kushanda kune kambani ine chirongwa chokubvisa basa iwe haugoni kutamisa iyo reta rekusunungura pane imwe nzvimbo. Kunyange zvakadaro, zvirongwa zvakawanda zvinowanikwa nekambani zvinokubvumira kuti uende kunze kwekambani dzekubhadhara muurongwa hwako huripo.
Iwe unogona kutarisa ne 401 (k) chirongwa chako kuti uone kana iwe unogona kusanganisa yekare 401 (k) s kana IRAs kuburikidza nekuendesa muurongwa hwenyu hwemazuva ano. Usati waita saizvozvo, taura nemuridzi wezvemari. Panogona kuva nekusarudza zviri nani kudarika kuendesa mari kune imwe kambani inotsigirwa zvirongwa.
Kana uine SIMPLE IRA unofanirwa kumirira makore 2 mushure mekusimbisa SIMPLE IRA yako usati waisanganisa nerudzi rwakasiyana rwekubvisa mari.
Iwe Unobatanidza Sei Kubhadhara Chikwereti?
Pakubatanidza mabhuku ekurasikirwa, kutumira zvinhu zvakananga kubva kune rimwe rekubatira mari kune imwe. Semuenzaniso, kana uri kutamisa imwe yekare 401 (k) uronga muIRA yako , iwe uchazadza mapepa anotungamirira 401 yako yekare (k) urongwa hwokuita cheko inobhadharwa zvakananga kune muchengeti mutsva kuitira kubatsirwa kwako. Somuenzaniso, kana IRA yako iri kuCharles Schwab uye zita rako ndiJohn Doe, ipapo 401 (k) mupiwe wako aizoita chekiti inobhadharwa kuna "Charles Schwab kuti vabatsirwe naJohn Doe."
Pane Mitero Inobhadhara Kana Unobatanidza Kubhadhara Mari?
Chero bedzi iwe unobatanidza nhoroondo nenzira yakarurama haifaniri kutora mitero inokweretwa.
Paunotamira mari yekubvisa mari mari, pamagumo egore muchengeti achakutumira fomu inotumidzwa inonzi 1099-R. Iyi fomu icharondedzera mutengesi sekutengeswa kana kugoverwa.
Iko hakuna mitero inokweretwa pane kuendeswa kana rollover chero bedzi rollover yakaitwa zvakanaka . Dzimwe nguva mutongi anonyatsotaura nezvekuendeswa sekuparidzirwa. Kana chikwereti chinonzi chisina kururama chero bedzi iwe uine zvinyorwa zvinoratidza kuti mari yakapinda muchirongwa chako chitsva chokubata basa iyi haifaniri kunge iri dambudziko. Auntian yako kana muteresi wezvemitero anogona kukubatsira kuti uzvidzore iyo nzira yakarurama pamutero wako wekudzokera.
Iwe Unofanirwa Kubatanidza Kubhadharwa Kwemari?
Kune zvikonzero zvizhinji zvandinofunga kuti zvine musoro kuunganidza mabhadharo ekurega . Sezvaunenge uchikwegura, zviri nyore kuchengetedza zvikwereti, chengetedza ruzivo rwekugoverwa kunodiwa, shandura kuchinja kwekodzero kana kuchinjwa kunobatsira, uye neIRA unogona kushandisa sarudzo dzakachengetedzwa dzakachengeteka seCD uye humwe hutano husingawaniki neurongwa hwekambani.
Uye seimwe mimwe michina, unofanira kugara uchifunga nezvehutano hwebasa maererano nemutengo. Iwe uri kubhadhara mari yakawanda sei iwe wauri kupa iye zvino kuti utarisire maakaunti ako? Iwe unogona kuendesa iyo nhoroondo mune imwe nhoroondo inopa rubatsiro rwepamusoro kana kushanda kune imwechete kana kuti mutengo uri nani? Mari nezvibhadharo zvinogona kutora kukura kukuru kubva pachidziro chako chokubvisa chikavha kana ikasara isina kuvharwa.