Kutora mari kubva muIRA kunogona kuva nyore, asi haisi nguva dzose yakachenjera.
Investment Decisions
Zvichienderana nemari iyo IRA yako inoshandiswa mari iwe unogona kutungamirira boka rako rezvemari sekuti zvinhu zvipi muIRA yako kutengesa.
Semuenzaniso, kana iwe uine mari pamwe chete kana zvikwama uye zvisungo muIRA yako uye uri kuisa muIRA yose, iwe unotengesa zvinhu zvose muIRA. Kana iwe chete uchingoda imwe yemari muIRA yako, iwe uchada kusarudza kuti ndeupi mutengo wemari, mashizha kana zvibatanidza kutengesa.
Kana iwe usina kuronga kushandisa mari yacho asi panzvimbo yaunoda kuendesa IRA yako kune imwe yekutengeserana, unogona kutumira mari kubva kuIRA pane imwe sangano kuenda kuIRA pane imwe nzvimbo. Nekutsvaga, mari haisati yatorwa kubva kune IRA - pane kudaro, uri kutamisa mari yeIRA kubva pane imwe nhoroondo yeIRA kune imwe. IRA inoshandiswa haisi pasi pemitero yebhadharo kana mitero yemhosva kana iwe ukatevera mitemo yeRS yokutungamirira kudhinda.
Ndeapi Ungatora Mari Kubva IRA?
Iwe unogona chaizvo kutora mari kunze kweIRA chero nguva. Asi kana iwe ukatora mari kunze kweIRA yako usati wava nemakore 59 ½ uye usasangana nedzimwe nhengo dzeRS, iwe unogona kubhadhara mutero we10% wemutengo pamari yakabviswa.
Nharaunda dzekuraira IRA dzinosanganiswawo semari inotengesa kana iwe ukaisa mutero wako wekudzokera.
Pasi pepamusoro: haisi nyaya iyo iwe unogona kutora mari kunze kweIRA; iyo nyaya yemari yakawanda uye mitero yauchabhadhara kana iwe ukatora mari kunze kweIRA yako panguva isina kunaka.
Ndezvipi Mitero Ndichabhadhara paIRA Kubvisa?
Chero nguva yaunotora mari kunze kwemaitiro eIRA, inowanikwa mari inotengeswa mugore rainobviswa.
Nhamba yemitero yaunenge uchibhadhara inobva pane yako yemutero mutero gore racho - izvo zvinoenderana nehuwandu hwemamwe mari uye mari yaunowana.
Kana usina imwezve mari yaunotora gore iwe unotora kubhadhara kweIRA uye une mari yakakwana, zvinoita kuti iwe usabhadhara mitero zvachose.
Zvikanganiso Kudzivisa
Iwe unogona kuzviwana uri mune chikwereti uye unonzwa kuti kubvisa mari kunze kweIRA ndiyo yako chete sarudzo. Funga kaviri usati washandisa sarudzo iyi. IRA mari inodzivirirwa kubva kune vane chikwereti munyaya ye bankruptcy. Zvakadini kana mamiriro ako emari ari kuwedzera? Nokubvisa mari kubva muIRA yako iwe unenge uri kuvhara kubhadhara kunokosha kunorondedzerwa pasi apa.
- Kusvika ku $ 1 mamiriyoni eIRA mari inodzivirirwa kubva kune zvikwereti zvinopomerwa pasi pemutemo wehurumende kana iwe wakapa zvakananga kubhuku (kureva kuti kudzivirirwa hakugone kuwedzerwa kune compte yeIRA yawakagara nhaka).
- Iko mari yose yeARA inodzivirirwa kana mari yacho yakaiswa kune IRA kubva pane chirongwa chekambani (yakadai se 401 (k) kana 403 (b) chirongwa ).
- IRA mari inogona kudzivirirwa kubva kune zvikwereti zvinokweretesa kunze kwekuputsa. Izvi zvinotsanangurwa nemitemo yenyika nemitemo zvakasiyana-siyana kubva munyika kuenda kune imwe nyika.
Zvinonzwisisika: nguva dzose zvakanakisisa kutarisa nemugweta munharaunda yako pane izvo zvikwereti zvinogona kutora.
Mitemo inopesana nehurumende.
Nguva Yakanakisisa Yokutora Mari Kubva IRA
IRA iAvidual Retirement Account. Iwe unoisa mari yacho imomo kuitira kuti iwe ugone kuishandisa mukurasira. Nguva yakanakisisa yekutora mari kubva muIRA inofanana neurongwa hwekuregera huchenjeri. Chirongwa chekuregera chinoreva kuti wakatarisa mari yako inotarisirwa gore rega roga muhutano uye zuva rokutanga reSocial Security, pensions uye chero imwe mitsva yekuwana mari, uye akafungidzira iwe mamiriro ako emutero mukurasira uye wakashandisa izvozvo kuti usarudze makore api aunofanira kutora kana kuti IRA isingapfuuri.
Ndinofanira Kutora Rini Mari Kubva IRA?
Kana uri mutsika IRA (kwete Roth IRA) unofanira kutanga kutora zvishomanana mushure mokunge usvika makore makumi manomwe ½. Izvozvi zvinodzinga zvinonzi zvinoda kugoverwa zvishoma . Mari yaunofanirwa kubvisa inogadziriswa nesarudzo inodzokororwa gore roga roga zvichienderana nezera rako uye gore risati rasvika rekuguma kwemari.
Zvakadini nokutora mari kubva muRoth IRA?
Mitemo inokurukurwa pamusoro apa inoshanda kumadzitateguru eIRAs pawakagadzira zvipo zvekubvisa. Roth IRAs ine mitemo yakasiyana yemitero inoshanda.