Dzidza Kurasikirwa Kubva pane 401k kana IRA Pamberi, Pakati uye Pashure Pokurega Basa.
Iwe unoziva zvose nezvekuisa mari mune 401 (k) kana IRA, asi unobuda sei? Pasinei nokuti uri kutora matanho ekutanga, kugoverwa kwemazuva ose, kana kudikanwa kwekugoverwa, tsvaga mitemo yekutora IRA uye 401 (k) kubvisa .
01 401 (k) Kubhadhara Mitemo
02 Mutambo weIRA Kubvisa Mitemo
Kutanga kusununguka kubva kuIRAs kunowanikwawo kune mitero inowanikwa pamutero, uye iyo yakaipa 10% yemhosva yemhosva. IRAs ine dzakawanda zvakasiyana zvakafanana kurudziro se 401 (k) s: rufu, kuremara, kurambana uye QDRO, asi kune vamwe vashomanana. Iwe unogona kubvisa mari yacho nokukurumidza pasina chikamu che10% kana ukashandisa mari yacho kubhadhara mari yakadzidza mari (hongu, sekoroji-asi usazviita), iwe unoshandisa iyo kune mari yekurapa inopfuura 10% yemari yako yakawanda, kana iwe unoshandisa kusvika ku $ 10 000 yemari yekutengwa kwekutanga kweimba. Asi zvakare, chero mari yaunotora ichakwaniswa kubhadharwa semari inowanikwa mari uye iwe haungabatsiri kubva kumitero-inoderedzwa kukura kwekutsvaga iyo inoshanda zvakanaka kana yakawedzerwa kwenguva yakareba.
03 Roth IRA Kubvisa Mitemo
A Roth IRA kubvisa zvakasiyana zvachose. Mari yako yekusimwa haina kukura mitero-yakadzokidzwa muRoth, uye paunotora kugoverwa ivo vachave vasingabhadhara mutero kana iwe uine makore makumi matanhatu nehafu uye wakabata Roth IRA kwemakore mashanu. Panewo chirango che10% chekugovera kwekutanga. Asi izvi zvinongowanikwa muzvikwereti. Zvakakosha kuchengeta mupfungwa kuti iwe unogona kugara uchibvisa mari yako yepakuvamba mitero uye chirango pasina mushure mezera remakore 59 1/2. Roth IRA kuregererwa kunoonekwa sekutorwa kubva pamipiro kutanga. Izvi zvinoita kuti Roth ive chigadziro chekuchengetedza chaizvo. Iwe unogona kushandisa Roth IRAs kuti uwedzere mari yekuita zvimwe zvinangwa zvakadai sekugadziriswa kwekoroji kana kuchengetedzwa kwekukurumidza.
04 Kubhadhara Kubva pane 401 (k)
Kana wako wako achizvibvumira, 401 (k) chikwereti inzira yakanakisisa kupfuura kuparidzirwa kwekutanga. Hapana cheko chekwereti, iyo mari inowanzosara kana iripo. Uye iwe unofanira kuzvibhadhara zvakare nechido, asi ichocho chiri pasi. Kana uri kushandisa mari kutenga imba, iwe unogona kuva nenguva refu yekubhadhara. Asi pamagetsi, uri kubhadhara iwe mushure mekubhadhara, saka iwe unorasikirwa nemumwe wemitemo yakanyanya kubhadhara ye 401 (k). Iwewo unoshaya izvo zvingava mwedzi inokosha kana makore inowanikwa mumusika. Chimwe chezvinhu zvakanyanya kuderera zve 401 (k) chikwereti ndeyekuti iwe unogona kubhadhara chikwereti kumashure kwemazuva makumi matanhatu kana ukasiya basa rako kana kupera. Kana zvikasadaro chikwereti chako chemari chikwereti chichabatwa semari inowanikwa mari uye iwe unogonawo kurohwa ne 10% yekutanga kutora chirango. Kana uchikwanisa kudzivisa kugunzva mari yako yekuchengetedza mari zvachose, iwe unogona kunge uchifanira.
05 Zvose Zvakaparadzirwa kubva Kubasa Rekushandira
Kugoverwa kwevakajairika ndevaya vakagadzirwa mushure memakore 59 1/2. Hakuna chirango chokubvisa mari yako panguva iyi. Asi kana iwe ukaiswa mune imwe tsika yekare isati yatere 401 (k) kana yenguva dzose IRA, iwe uchabhadhara mutero unowanikwa pamari pamaparidziro. Pfungwa iyi ndeyokuti panguva iyo, iwe uchave wakabatwa muhurumende uye hauchazokwanisi kuunganidza mubhadharo, uye naizvozvo mubhasikiti yepamusoro yepamusoro .
06 Inodiwa Minimum Distributions
Paunosvika makore 70 1/2, zvinhu zvinowedzera zvinyengeri. Kana iwe uri mujeri asi usati watanga kutora kuparadzirwa, mushure me 70 1/2 iyo IRS inotanga kukuchenesa iwe 50% yemari yaifanira kugoverwa. Izvi zvinonzi kushandiswa kwakaderera kunoshandiswa, uye kana iwe une tsika yeIRA , hapana kuidzivisa. (401k yako inogona kuramba yakasimba kana iwe uchiri kushanda, uye vashandi veRoth IRA havadi kutora zvakaderera kugoverwa.) IRS inoshandisa mararamiro ekutarisira mararamiro ekukubatsira kuti uone kuti unoda kutora gore ripi. Tarisa chinyorwa ichi kuti udzidze zvakawanda pamusoro pekudiwa kwekuparidzirwa kana mitemo yeMRD.