Hezvino ndiyo nzira yaunotora mushure mitekero 401 (k) mari kune Roth IRA.
Heano mimwe mibvunzo inowanzozivikanwa pamusoro pokuti rudzi rwe rollover runoshanda sei.
Ndanzwa mirairo ye IRS haina kunyatsojeka pamusoro pekubhadhara mushure mekubhadhara mari kune Roth?
Kwemakore akawanda mari yekugadzirisa uye mitero yemitero yakanga isina chokwadi kana mushure mekubhadhara mari mune imwe kambani yekambani inogona kuiswa mumutemo muRoth IRA.
MunaSeptember 2014 mutemo weRS wakatsanangura ichi uye mhinduro ndeyekuti "Hongu." Somugumisiro, iwe unobvumirwa kubhadhara mitero inotevera mushure mekambani yekugadzirisa rekambani yeRoth IRA. Kuti uwane mamwe mashoko pamusoro pemitemo uye kududzira kwemitemo ona:
- IRS mitemo ye rollovers yekuteverwa kwemitero muzvirongwa zvekurega basa
- Kusvetwa Mushure Mokubhadhara 401k Mipiro yeRoth Conversion
Mutungamiri achacheka cheki mbiri dzakasiyana
Kuti uite rollover yemitero 401 (k) mari kune Roth IRA mutungamiri weurongwa wako achacheka cheki mbiri; imwe yemitero inotevera mushure uye imwe yebhadharo risati rabhadhara. Iwe unogona kutungamira mitezo yemitero yekutora kuenda kune imwe nhoroondo yeRoth IRA apo mari yekutanga isati yawana inotungirwa muIra yendarama. Iwe unenge uchitaura nhoroondo yakakodzera kune imwe neimwe yomupiro wechirongwa pane 401 yako (k) mapepa ekugovera.
Ko kana iwe ukaisa mari yacho munyaya isina kururama?
Paunogamuchira rollover chengetedza iwe une mazuva makumi matanhatu kuti uiise mubhuku rakakodzera.
Kana iwe uchinge usisipo mazuva makumi matanhatu ekupedzisira rollover yako haingaverengi se rollover. Pane imwe nguva mumwe munhu anonyora kwandiri ndichiedza kururamisa kukanganisa kwakadaro. Pasi pane mumwe mubvunzo wakadaro wandakawana:
Ndangobva kubuda pabasa uye ndakawana mukana wekurorera ma 401 (k). Ndinofunga kuti ndakaita chikanganiso chakakura sezvandakanga ndava nemutero wemutero kuti, sezvandinonzwisisa, ndingadai ndakapinda muRoth IRA. Sezvo iri kupfuura 60 rollover musi wekupedzisira uye ini ndakaisa mutero wekutevera mushure mekwereti yekwereti ine sarudzo chero ipi zvandinotenda kuti ndakatora chaizvo mukana wegoridhe? (Ndinogona kuratidza kuti izvi zvose zviri mushure mekutereta mari uye zvichiri kugara mukamberi mune mari.)
Zvinosuruvarisa kuti mhinduro kumubvunzo uyu haiwa, hapana kana kuwanikwa kunowanikwa. Kusiyana kwezuva 60 rollover nguva yakaoma kunonetsa kuuya kunze kwekunge kambani yako yebasa rezvemari yakaita kukanganisa kwakakomba. Iwe unogona kutarisa dzimwe nzira dzekuwana mari muRoth nekushandura IRA kune Roth , kana iwe iwe kana mudzimai wako wakakwanisa kuwana mari kupfuura iwe unogona kupa Roth IRA .
Kudzivisa kukanganisa
Pakurasikirwa ita nechokwadi chekuti unotevera mitemo yose ye rollover kuitira kuti usasangana nemafungiro asina kunaka emitero. Verenga zvose mapepa zvakanyatsojeka usati wazviisa kune chirongwa chako, uye chengetedza nhamba dzekodha dzese usati waita. Unogona kutarisa 401 (k) yemashoko ako ekupedzisira kuti uone kuti inguva yakawanda sei inofanira kunge iri mushure mekubhadhara mari, uye iva nechokwadi chokuti cheki yaunenge uchiisa kuRoth yako inenge yakaenzana nemari iyo (inenge isingave yakanyatsonaka iyo yakafanana neyekutaura kwako sekuti mari inoshandura zuva rega rega sezvo mari yekutsvaga inoshandiswa mukukosha).