Nguva Yakatarisana Nezvinodikanwa Mashoma Akaparidzirwa
Chii Chinodiwa Mukusarudzwa Kwakawanda?
Chimwe chidimbu chinodikanwa chinoshandiswa ndicho chikamu chiduku chinofanira kubviswa kubva kubhuku rako rekubvisa mari gore rega rega, kana iwe kana iwe wakatoti wasara.
Kana usina kutora kuparadzanisa usati wava nemakore makumi manomwe, unofanirwa kuitwa mukati megore iwe unosvika 70 1/2 kana kwete mushure meApril 1 wegore mushure mokunge masvika makore 70 1/2. Mushure megore rokutanga, maMRD anofanira kuitwa gore roga roga naDecember 31.
Vose vashandi vanotsigirwa mabhizimusi ekurasikirwa vanoda mabhadharo akaduku. Izvi zvinosanganisira zvirongwa zvekugovana, 401 (k) s , 403 (b) uye 457 zvirongwa, Mumwechete Retirement Accounts (IRAs) uye SEP , SARSEP uye SIMPLE IRAs . Roth IRAs haitarisidzi kuparidzirwa zvishoma apo muiti webhuku achiri mupenyu, asi kana une Roth 401 (k), yakafanana neRoth IRA asi yakapiwa kuburikidza nebasa, maMMD anodiwa.
Kana uine kero yakawanda inoda RMD, unofanira kutora kugoverwa kubva kune imwe nhoroondo. Kune vatenzi ve 401 (k) kana 457b zvirongwa, izvo zvinoreva kuti chirongwa chimwe nechimwe chinoda kuparidzirwa kwakakwana kwakakwana. Zvisinei, kana iwe uine IRA kana 403 (b), yako yose kugoverwa mari inogona kuwanikwa kubva kusanganiswa kweakaunti.
(Panewo mitemo yakakosha ye 403 (b) zvirongwa nezvipo zvekutanga-1987. Enda kune IRS.gov site kuti uwane mamwe mashoko kana izvi zvichita seakaunti yako.)
Chii Chinoitika Kana Ndisingasviki RMD?
Sezvo chirongwa chemugadziri, ibasa rako kuti uone huwandu hunofanira kutorwa kubva pane urongwa hwako uye kutora kugovera musati wasvika.
Avo vasina kutarisana nechirango. Chero mari yaunofanirwa kubvisa ichabhadhara pa 50%. Kana ukachikanganisa nekuda kwekukanganisa kana kutarisa, unogona kukwanisa kudzivisa chirango kana uchikwanisa kutsanangurira chikanganiso ku IRS uye kupa matanho kugadzirisa dambudziko.
Kuti uwane RMD yako yegore rokutanga, iwe unowanzogovana iwe mari yako yekuchengetedza kuburikidza nehutariro hwako hwehupenyu. IRS inobatsira kutsanangura uye kuita kuti izvi zvive nyore mukuparidzirwa 590-B. Mamwe mamiriro ezvinhu angashanda. Semuenzaniso, kana iwe wakaroora kune mumwe wako anenge ari nemakore anopfuura gumi kudarika iwe, RMD yako yekuverenga ingave yakasiyana.
Iro chirongwa chevatungamiri vanoita 401 (k) kana imwe chirongwa chakakosha chichagovera dzidzo uye ruzivo pamusoro pokuti ungatora sei kugoverwa kubva kurongwa hwekusarura .
Kana iyo IRA inobatwa nemutrasti, muteresi anofanira kuverenga nekuita kugoverwa kwechinzvimbo chemuiti wekambani, kana kuudza RMD chikamu kune muridzi wekambani.
RMDs Yakasiyana NeAkaunti Inhaka
Kana iwe ukagara nhaka yeIRA kubva kune mumwe munhu, zera hazviiti mu RMDs. Nenzira yakawanda, vabatsiri vanofanira kutora kugoverwa makore mashanu mushure mekuwana nhaka yekodha. Kazhinji, vanhu vanogara nhaka yeIRAs vanovashandura mumabhuku avo, uko mitemo yakazara inoshanda.
Zvibatsiro zveIRA kana imwe kambani yekurega basa inofanira kutsvaga mazano emutero wezvemitero kana wezvemari kuti aone nzira yakanakisisa yakatarwa mumamiriro ega ega.
Ronga mberi kweMMDs
IRS inokurudzira vateresi kuti vatange kuronga mukati megore rino chero zvipi zvese zvinoparidzirwa mugore rinouya. Vakasununguka vanofanira kuita kuti mapurisa ave chikamu chekugadzirisa mutero wegore.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.