Nzira Yokuita NEMUSUNGWA IRA IRA Rollover Pasina Kubhadhara Mitero

Mutemo Wegore Iviri Unogadzira SIMPLE IRA Rollovers Haisi Yakadaro Yakanyanya

Paunobva kune waunoshandira naye wawakabatanidzwa muurongwa hunobhadharwa hwebasa rekurega basa rakafanana ne 401 (k), une zvishoma zvingasarudzwa zvekuita neavo zvinhu. Iro sarudzo yatinowanzotikurudzira kakawanda iri kuisa zvinhu izvozvo muRROllover IRA . Paunosarudza kupfuurira pamusoro pe 401 (k) yako muIRA yenguva dzose, pane zvishoma zvishoma zvinotorwa zvinotarisirwa kupedzisa chirongwa cherollover . Kana zvikaitwa zvakanaka, hapana mutero uchave wakakodzera uye iwe hauzombodi kunyora cheki.

Kana iwe uchida kupfuurira pamusoro pezvinhu zvako kubva kune waimbova waSIMPLE IRA, kana Savings Incentive Match Plan yeVashandi, iyo nzira inogona kunge yakananga. Asi, sechikamu chebato rerollover, iwe uchabvunzwa mubvunzo umwe unenge usingadi kubvunzwa kana iwe uri kuputika kupfuura 401 (k) pfuma: Wakatora nguva yakareba sei muSIMPLE IRA?

How to rollover SIMPLE IRA assets

Kufanana ne 401 (k) hurongwa , paunobva kune waunoshandira naye wawakabatanidzwa mu SIMPLE IRA, une zvishoma zvingasarudzwa zvezvinhu izvi. Mari inobva kuSIMPLE IRA inogona kuendeswa kune imwe SIMPLE IRA, IRA, kana imwe sangano rakarongedzerwa nevanoshandira sa 401 (k). Asi sa 401 (k), unofanirwa kuve nechokwadi chokuti iwe unotevera rollover yakatemwa yekugadzirisa rollover kuitira kuti usabhadhara mitero kana kuti zvikwereti pane kutengeswa kwezvinhu.

Chikamu chakakosha chekuita ndechekuita kuti cheki yezvikamu zvacho kana chikamu chipi zvacho cherongwa hwekushandira mari chisina kunyorwa kwauri, iyo iyo yakanakisisa ichaita kuti 20% mubhadhare kubhadhara uye pane zvakanyanya zvichaguma nemitero yemari inokonzerwa uye kutanga kurapa chirango.

Pane kudaro, iwe uchada kusarudza muteresi-to-trustee kutumirwa, izvo zvichabhadhara mari yako mumunhu waimbova waSIMPLE IRA chirongwa chako uye ugocheka cheki kana kutengesa kutengesa kuti ubatsire rollover yako IRA (iyo ichatsanangurwa ne FBO inozivikanwa) uye inogona kuiswa mu rollover yako IRA.

Asi nepo SIMPLE IRA rollover chirongwa ichi chakafanana zvikuru neicho chema 401 (k), mhinduro iyo kumubvunzo mumwe chete unowedzera inoita mutsauko wose.

IYE SIMPLE IRA 2-Gore Rule Rule

Mumakore maviri ekutanga mushure mekupa mupiro wenyu wekutanga ku SIMPLE IRA, munokwanisa kutumira chero mari kubva kune iyo SIMPLE IRA kune imwe SIMPLE IRA mukutora mutero-free-to-trustee mutero. Kana, iwe, iwe, uchiedza kutora kugovera kubva kubhuku kana kuendesa kune imwe mhando yeIRA panguva iyoyo yemakore maviri, mari yacho haigoni kuonekwa somutero usingabhadhara rollover. Pane kudaro, inofungidzirwa kugoverwa kubva ku SIMPLE IRA uye mupiro kumatare eIRA, izvo zvichaguma nemitero yakawanda pakuparadzirwa uye zvingatotanga kukonzera nyaya nemari chero ipi zvayo pamusoro pemiganhu ye IRS IRA yegore negore. Kuti udzivise zvikwereti izvi, iva nechokwadi chokuti iwe hauna kupfuurira pamusoro peSIMPLE IRA yako mairi pane chimwe chinhu kunze kwechimwe SIMPLE IRA usati wagutsikana kutonga kwemakore maviri. Kuti uchengetedze zvinhu zviri nyore, unogona kungoda kuchengeta mari iyo yavari kusvikira makore maviri apera.

Kana yave iine makore maviri kubvira mupiro wako wekutanga SIMPLE IRA, iwe unofanirwa kusimbisa mune chirongwa chekuchengetedza kuti iwe, zvechokwadi, wakazadzisa mutemo (vamwe vakachengetedza vanoverenga nguva iyoyo nemazuva akasiyana "kutanga") vasati vatanga mapepa ekutumira.