KuRitura yeIras, Rollover IRAs, SIMPLE IRAs, uye SEP-IRAs, chirango chekutanga chekuregererwa chinowanzosvika kubva kuraundi yekutanga yekurega. Roth IRAs, kune rumwe rutivi, inobhadharwa nemari yemitero mushure mekunge iwe unobvumirwa kubvisa zvose zvepakutora zvipo zvako zvakapfuura, uye kamwechete iwe watanga kubvisa mari yakawedzerwa kubva kune mari inowanikwa , zvikwereti , kufarira , nezvimwewo mari mari yaunowana iwe unobata nekutambidzwa kwekuregererwa chirango.
Kutanga Kuregererwa Kurangwa
Makore mangani, iwe ungabvunza, iwe unofanirwa kuva wekutora kwako kuti urege kutora nguva yekuregererwa kutora chirango? Zviri nyore. Kubviswa kwokutanga nekuda kwezvikwereti zveIRA zvinongororwa chero nguva isati yasvika IRA anobatsirwa ari makore 59.5. Izvi zvingaratidzika zvisina kururama. Pashure pezvose, mari yako.
Chikonzero chikonzero chekusiya mari yekutanga kuongororwa paIRAs uye mamwe mimwe mitero yemakabheti epamberi ndeyekuti Congress inoda kuvhiringidza vanhu kuti varege kudhura mari yavo nhasi kuti vagadzirise imwe dambudziko kwenguva pfupi kana zvichireva gare gare, mukwegura pavasingazogonizve basa, ivo vaizova vanovimba nemhando dzakasiyana-siyana dzehupfumi.
Mumazuva ekare apo pensions yaiva yakajairika, izvi zvaisakwanisika - munhu aigona kuzivisa kubhadhara uye anofanira kutanga zvakare apo nguva dzose achichengetedza kodzero yake yepenjeni. Kana tangoenda kune imwe-iyo-iwe pachako purogiramu yokurasikirwa, hupfumi hupakati pakati pevaya vanogona kushandisa mari uye avo vasingakwanisi kuputika semunhu mumwe nomumwe zvisarudzo pamwe chete nesimba rekugadzirisa zvinokonzera kusiyana kwekujekesa mumigumisiro.
Mune mamwe mazwi, IRA yakatanga kubhadhara mari yaiva tsvimbo yekaroti mutemo wedu uye sangano rebazi rakawedzerwa apo yakapfuura mitemo yakagadzirisa iyo mabhuku ekurega basa. Tevera mitemo uye iwe unokohwa mibayiro mikuru. Kuvadzvinyirira uye kutambura nemigumisiro.
Kunyange zvakadaro, kana iwe uchida kutora chikamu chako chokubvisa mari isati yava nguva - uye usakanganise, inenge nguva dzose iwe pfungwa yakaipa yekuita kuti urege kubvisa pabasa rako rekurega basa - hezvino nzira dzaungagona kudzivisa kutanga kubvisa mubhadharo, kuzviponesa kuti zvimwe 10% zvaungadai wakambofanira kugovana.
Kuva Mumiririri Akaremara
Kana iwe ukave wakagadzikana zvachose, zvakadai sekurwara kana njodzi, uye inokuita kuti usakwanisa kuwana basa rinobatsira nekuzvitsigira iwe, unogona kudzivisa 10% kutanga kutora chirango paIRA yako. Iwe unoda kuwana chiremba kuti uone kuti iwe uri mumuviri kana mupfungwa haugone kushanda uye kuti mamiriro acho angave akapedzisira apera 1) nguva yakareba yenguva, 2) nguva isingagumi, kana kuti 3) pakupedzisira inotungamirira kurufu rwako .
Kufa Pakutanga
Kunyangwe ndave nechokwadi kuti kutonhora kunotonhora, kana iwe uine shungu zvakakwana kuti uende usati wasvika muzera remakore 59.5, nzvimbo yako kana vanobatsiri havangarohwi ne 10% yekutanga kutora chirango paIRA yako kana IRAs.
Mitemo yeIRAs inotora nhaka inogona kuonekwa yakaoma, asi muzviitiko zvakawanda, avo vanowana nhaka yekubhadhara mari yenyu inogona kuisanganisa neIras yavo pachavo (munyaya yemurume kana mukadzi wako sezvo ichi ndicho chimwe chezvizhinji zvemari zvemhuri ), uzviise muIra inotora nhaka yavo yega inogona kubvumira makore mashanu ekuwedzerwa kwekumanikidzirwa kumanikidzwa kutanga kubva pakuguma kwegore ramakafa iwe uchivabvumira kufara mavo emitero-akaremberedzwa, kana kubviswa pakarepo, iyo ndiyo inongowanikwa chete mitero yemari inowanikwa.
Kushandisa IRA Chikwereti Kubhadhara Mari Isingadzokeri Inodhura
Kana iwe kana vana vako vari kurwara zvakakomba kana kuti vakakuvara uye vari kurohwa nekurapa kwenguva refu kana kurapa mari, Amai Sam vacharamba vachibhadhara mari yekutanga paIRA yenyu apo mamiriro ekuti mari yacho inopfuura ma7,5% emari yako yakawanda yakagadziriswa.
Kutanga-Nguva Yekunge Vatengi Vanogona Kudzivisa IRA Yepakutanga Kubhadhara Kwekutanga Mari
Kana iwe uri kutarisa kutenga imba yako yekutanga, 10% yekutanga kubvisa chirango inodzingwa kusvika kusvika ku $ 10 000 yezvibvumirano zvingave zvisiri pasi payo. Zvechokwadi, inenge nguva dzose nguva dzose zviri nani kuti urembedze kune zvinoshamisa zvemitero yeIRA uye, pane kudaro, uite mari yako yekubhadhara pasi muhutano hwakakodzera kunze kwezvo uye wakatsauka kubva pahupfumi hwako - uye "zviri nani" chinhu chinokosha pasi - asi haasi munhu wese anoshivirira.
Kuvhara Dzidzo Yepamusoro Mariki
Kupinda koreji kana yunivhesiti kunogona kudhura. Zvinofadza, pane mimwe mitemo iripo yakagadzirirwa kubatsira mhuri dzakabudirira kubhadhara dzidzo yehama yavo. Semuenzaniso, dzimwe dzidzo dzakakodzera dzidzo dzinosunungurwa kubva pamitero yechipo , zvichibvumira mari yakawanda uye yakakwirira yakakosha vabereki nevasekuru navanasekuru kuti vashandise muhutano hwevanhu, ruzivo rwehukuru, uye hurumende yevadyi venhaka yavo pasina kuitora sechipo chemari chinogona kutanga chipo chemutero kana kuderedzwa muganhu weupenyu hwemazuva ose.
Kunyanya, iyo 10% yekutanga kutora chirango haifaniri kushandiswa kuIRA kuparadzirwa chero bedzi mari yose inodzingwa haifaniri kudarika mari yakakodzera inowanikwa nemubhadhara, murume wake kana mudzimai, vana vavo, kana vazukuru vavo nemari inoshandiswa pane imwe nzvimbo yepamusoro yezvidzidzo, iyo inosanganisira iyo inorondedzerwa muchitsauko 481 cheMutemo Wedzidzo Yepamusoro ya1955 seyakoroji, masunivhesiti, zvikoro zvedzidzo, uye mamwe mazano ekudzidzisa.
Haasi mari yose inokodzera kugadziriswa kwakadai - kojiji kana yunivhesiti inoda kuti mudzidzi abhadharire padzidzo dzavo, mari, zvigadzirwa, zvigadzirwa, uye mabhuku. Girasi nebhodhi haisi pasi pechirevo chemari kunze kwekuti mudzidzi anyoresa nguva yakazara, achiumba dambudziko guru kune avo vanoshanda nenzira yavo kuburikidza nechikoro.
Iyi kunyanya kubvisa chirango chekuregererwa hakusi nyore sezvinoonekwa nekuda kwekuti pane kuverenga kunosanganisira mamwe mamiriro emari ekubhadhara mari iyo inofanira kuitwa kuti iongorore kuti zvakakwana sei iyo muIRA anobatsirwa nayo anogona kuzviita. Iyi ndiyo nzvimbo inobvunzurudzwa nomudzidzi wekodhadhi, nyanzvi yemutero, kana mupi wezvemari. Iwe unogonawo kuverenga Kuziva Zuva 97-60 kubva kuInternal Revenue Service kuti uwane rundown yemitemo.
Kubhadhara-Mitero Yakabhadharwa neRS Mushure mekunge Mutero Wakave Wakatarisana neIRA
Kana iwe uine chikwereti chemari yehurumende uye ivo vakabudirira pakuwana mari yakatarisana neIRA yako, pakupedzisira ichikuridzira kubhadhara mitero yaunokwereta, kubviswa kwekumanikidzirwa kuchava pasi pemitero yekusungirwa nguva dzose kusvika pavanenge vasiri kudai, asi Zvimwe 10% kutanga kubvisa chirango hachina kuongororwa.
Kubhadhara Mishonga yeInishuwarenzi yeAradic
Kana iwe ukazviwana uri kunze kwebasa kana, nokuda kwechimwe chikonzero, munzvimbo yaunofanira kubhadhara iwe purojimari yako yehutano yveshuwarisi, unogona kutora mari yako yekurasira kuti uvhare mari uye usashushikana ne 10% yekutanga kutora chirango se kwenguva yakawanda sezvawakave uri pakushaya basa kwemakore masere gumi nemaviri.
Kubhadhara Kwakaitwa kana kuti Mushure meZuva IRA Mupiro weIRA Anotendeuka Makore 59.5 Akare
Pakupedzisira, tinosvika pamagumo ekupedzisira kutora chikamu chekuregererwa kwevanhu veIRA uye ndicho chaunofanira kuda: Kurarama kusvika makore 59.5, panguva iyo unogona kutanga kutora pasi account yako. Iyi ndiyo nharo yawakapfuura nayo pakupedzisira uye inofungidzirwa zvakaringana zvakakwana kuti uite basa rekurega basa uye haufaniri kunetseka pamusoro paro.
Usati Waita Kubviswa Kare Kubva IRA Yako
Kana uri kufunga nezvekuita kuti urege kubuda kubva kuIRA yako, iva nechokwadi chokuti unobvunzurudza nemudzidzi akazvimirira, unyanzvi, unyoreji wekutsinhanisa utsvaga , kana vamwe vadzidzisi nokuti mitemo inogona kuva yakaoma.
Semuenzaniso, muwani weIRA anoteererwa nemakore mashanu ekumirira, akayerwa mumutero, kwete kalendari, makore apo kusununguka hakugoni kuregererwa kubva pamutemo wekutanga kutora kunyange kana zvingave zvisina kudaro.
Kune mitemo yakasiyana nevashandi munguva pfupi yakanyoresa muSIMPLE IRA pane bhizinesi duku iro rinokupomera iwe, kunyange iwe uri wemakore 59.5 kana iwe ukagadzirisa mune imwe nhamba yemakore shure kwekunyora muurongwa.
Kune vamwe Roth IRA vanobvisa mari iyo inogona kusunungurwa kubva pamutemo wokutanga kubvisa chikwereti asi inogona kuita kuti iwe uzviise pasi pemutero wemari kunyange iwe paunenge usingaiti. Iyi ndeimwe yemamiriro ezvinhu apo zvinhu zvakanyanyokosha uye iwe unoda kuziva zvose.