Iyi ndiyo nzira iri nyore kana iwe uchiziva kuti inoshanda sei!
Vanhu vazhinji havazive kuti vanogona kuyananidza mabhuku avo akawanda ekurasira muIRA imwe chete. (Vakaroorana havagoni kuunganidza mabhizimisi avo ekurega basa pamwe chete.)
Kana iwe une 401 (k) chirongwa chaunoda kuchinyorera kune IRA pano pane matanho mana ekutora.
1. Sarudza kambani yemari yebasa raunoshanda nayo
Iwe unoda kusarudza mumwechete uyo achashanda semuchengeti wekodha rako rekusarura (s). Kana iwe uchitarisira mari yako pachako iwe ungasarudza Vanguard, Fidelity kana Charles Schwab. Kana ukashanda nemudzidzisi wezvemari, ivo vachava nekambani yekutengeserana kana kuchengetedza iyo yavanoshandisa uye ichazarura iyo (s) yaunoda ikoko.
Vamwe vanhu vachikanganisa vanofunga kuti vanoda kuparadzira mari yavo mumakambani akawanda kuti vave nekusiyana. Izvi hazvisi chokwadi. Iwe unogona kuzarura nekambani kune imwe kambani, uye mukati mukati iyo iyo yakaparadzira mari yako kune marudzi akawanda akasiyana-siyana emari.
Kushandisa muchengeti wakachengetedzwa kunobatsira kuchengetedza makero ako kubva kumarudzi akawanda ekubiridzira , uye kuva nemari yako neine imwechete inoita kuti kugadzirisa mari yako yokurasira uye kupararira kwekurega basa zviri nyore zvikuru.
2. Dzidza kuti ndeupi mukana wekubvisa mari inogona kusanganiswa
Nzira dzakawanda dzinowanzozivikanwa dzekambani dzekurega basa dzinogona kuendeswa mune imwe nhoroondo yeIRA, uye imwe nhoroondo yeRoth IRA.
Semuenzaniso, kana waenda mubasa wako, unogona kutamisa 401 (k) kune IRA (iyi inonzi rollover ).
Paunotamisa mari kubva kune 401 (k) kuenda kuIRA uchishandisa IRA rollover hapana mimwe mitero inokodzera, sezvo inofungidzirwa zvakananga kubva kune imwe mhando yekubhadhara mari kune imwe. MuIRA yako itsva iwe unobhadhara mitero chete apo iwe unotora zvisizvo.
Kana iwe uri pakati pemakore makumi mashanu nemakumi mashanu nemakumi matanhatu nemashanu, ita nechokwadi kuti unonzwisisa 401 (k) mitemo yekusununguka mushure mekunge usarudza kusunungura mari kubva pane 401 (k) chirongwa.
401k () s, 403 (b) s, SEP zvinyorwa, maakaunti SIMPLE, KEOGHs, mumwechete 401 (k) s, uye dzimwe zvirongwa 457 zvese zvinogona kuendeswa mune imwe nhoroondo yeIRA. Kuva nechimwe chinhu mune imwe nhoroondo kunoita kuti zvive nyore kuvandudza uye kuchinja vanobatsirwa , kutarisira masimari uye kutora zvishoma. Paunosvika makore 70 1/2 iwe unofanirwa kutora mari shoma yekudzorera, uye izvi zvingava zvakaoma kutarisira kana mabhuku ako akapararira.
Kana uine mitezo yemitero mu 401 (k) chirongwa chako kana mamwe marenda ekurega basa avo vanogona kuendeswa kuAreta yeRRA IRA.
Mune mamwe mamiriro ezvinhu iwe unogona kupinda mubhadharo neakatu nhoroondo kana pasi: imwe IRA, imwe Roth IRA, uye imwe yeruzhinji yemari yekubhadhara / yekuchengetedza / mutual fund iyo isiri yerudzi rwemhando yekubvisa mari.
3. Ita nhoroondo yeIRA rollover
Chokutanga unofanira kuva neARA account yakavhurwa uye nhamba yenyaya. Iwe unogona kuzarura kambani nesangano rako rakasarudzwa rezvemari pasina kuisa mari mukati; ingovaudza kuti iwe uchange uchitora 401 (k) kana imwe kambani yekubatira muIRA iyi.
Zvadaro, taura nevashandirwi vako vekare kana kuti retirement plan plan administrator (tarisa pamusoro pekutaura kwekambani yako yekubvisa mari kuti uwane ruzivo rwekubatana) uye uvazivise kuti iwe unoda rollover yako 401 (k) mari yeAlex account yako.
Kazhinji nguva iyo vachakutumira mapepa aunofanira kuzadza. Mamwe makambani achagadzirisa rollover kuburikidza nefoni kana iwe uchivapa ruzivo rutsva rwekuchengetedza uye nhamba yako yeARA nhamba.
Mazano akawanda ekurasikirwa anoramba achiendesa mberi kutumira chituko kwauri, uye zvichava kwauri kuti uzvikurumidze kuutora kune iwe itsva IRA munodzivirira. IRA rollover inofanira kuzadzikiswa mukati memazuva makumi matanhatu ezuva kana kuti ichaonekwa sekushambadzirwa kwekutengesa.
Zvimwe zvirongwa zvekurega basa zvichafambisa mari yacho kana kutumira ivo zvakananga kwauri itsva IRA muchengetedzi. Bvunza kana vachipa sarudzo iyi, uye kana vakadaro, ndinokurudzira kuti vatumire mari yacho zvakananga.
4. Sarudza zviwanikwa muIRA yako
Kana imwe nguva mari yacho yakabatanidzwa mune imwe nhoroondo, unogona kusarudza kuti ndeapi mararamiro ari mukambani iyoyo. Ita chirongwa chekutsvaga mari uye uone kuti zvikwereti zvaunosarudza zvinoenderana nekutarisirwa kwekutarisirwa kwaunoda kutora.
Somuenzaniso, kana iwe uchiziva iwe uchada kutora $ 20,000 kubva gore rinotevera, haudi kuti $ 20,000 inotengeswa mune chimwe chinhu chinotyisa, chine ngozi kana chinotyisa, sehomwe yemari. Iwe unorida pane chimwe chinhu chakachengeteka zvokuti iwe haufaniri kunetseka nezvechikamu ichocho chebhuku rako kukoshesa kudarika $ 20,000 paunenge uchida.