Kuzvimiririra Kwemunhu Mumwe Chete Kubhadharwa Nhepfenyuro Inopa Vatengesi Nezvimwe Zvimwe
Izvi IRAs Inotungamirirwa Izvo zvinokubvumira kuisa mari muzvivako, masimbi anokosha, manotsi, mitero yemitero, mahofisi ega ega uye zvimwe zvakawanda zvingasarudzwa zvekutsvaga.
IRA inotungamirirwa neIra ndeye tsika kana Roth IRA iyo iyo muchengeti anobvumira mari yakasiyana-siyana inobvumirwa pamabhengi ekurega. Chimwe chezvinhu izvi zvinogona kusarudzwa, zvivako zvekuvakwa kwezvivako, zvinonakidza kune vanhu vakawanda vanofunga kushandisa I-Self-Yakatungamirirwa IRA kuti vatenge nzvimbo yekuvakira.
Asi zvakadaro, nokuti chimwe chinhu chinotenderwa neRS hazvirevi nguva dzose kuti ndicho chisarudzo chakanakisisa chechikamu chako chekurega mari. Hezvino zvimwe zvinhu zvinokosha kuti uzive kana zvasvika pakushandisa IRA kutenga zvidzimba.
IRA Inotungamirirwa IRA Chii?
Izwi rokuti "kuzvidzora" rinoreva kuti mamwe mazvikokwereti anotengeswa anogamuchirwa kana anopiwa neIRA muchengeti. IRA munyori wekusungirirwa isangano rezvemari rinotarisirwa kuchengeta rekodhi uye zvinodiwa neRS reporting.
Izwi rokuti "iwe" rinotungamirirwa rinotasva gore negore sezvo uchifanira kunyatsokoshesa kubhadhara kwako gore negore uye kurondedzera kukosha kwaIRA yako kuchengetedza.
Nzira yekuzvidzivirira IRAs inogona sei kushandiswa kutenga zvivako zvekugara
Nhanho dzokutanga pakushandisa IRA ndekugadza IRA inotungamirirwa IRA. Makambani mazhinji anoremekedzwa anopa vashandi vanogona kukwanisa kuisa mabhuku ezvokuchengetedza mari.
Pamusana pehutano hwakaoma hweA-Self-Yakatungamirirwa IRAs , zvinobatsira kuva nevanodzivirira izvo zvichabatsira kupa humwe hutungamiri hunodiwa iwe paunofamba uchifamba mumvura isina kugadzikana uye inovhiringidza yeRIP code code.
Vamwe veIRA vanochengetedza vane zvivako zvakanyanya zvakaoma kupfuura mamwe. Saka, zvinokosha kuita chikoro chako chekuchikoro uye kuongororai zvose zvingaita mari uye mari inoshandiswa iyo ichaita kuti kudzokera kwepanyika kuwedzerwa. Muzviitiko zvakawanda, zvinokurudzirwa zvakare kugadzira kambani ine chikwereti chekambani (LLC) kana chimwe chikamu chekubata mari yekutsvaga.
Uine I-Self-Directed IRAs , unofanirwa kuunza kukwana mari yakakwana iyo ichavhara yese yekugadzirisa nekugadzirisa mari kunze kwekudiwa kwako kuti uwedzere mari gore negore.
Pamwe Nheyo dzekuwana Mari Inotengeswa Imba muIRA
Zvichida rubatsiro rukuru rwekushandisa I Self self-Kutungamirirwa IRA kutenga zvigadziro inowanika mune zvingabhadhara mutero unobatsira. Sezvakakonzerwa nekutsvaga kupi zvako muIRA yako, iwe unobatsirwa nemari inoshandiswa mutero kusvikira pazuva raunotora mari, kana kana iwe wekutsvaga mari yako iri muRoth IRA, iwe unowana mari yekuwana mari yekuunganidza mari isina mutero uye iwe unokwanisa regai kubvisa mutero. Iwe unotofanira kumirira kusvika iwe uchisvika makore makumi mashanu nemakumi matatu nemashanu kuti udzore mari yako pasina kuisa pasi pekurumidza kubvisa chirango uye iwe unosanganisira semari inowanikwa pamutero wako wekudzokera.
Asi vashandi vanoshingaira vanogona kutenga, kutengesa, kana kuisa flip uye kuendesa mari kubva kune rimwe basa kune rimwe uye vachiri kuchengetedza mutero-kukonzera nzvimbo yeIRA.
Imwe rubatsiro yekuva neimba inzvimbo muIRA ndeyekuziva. Kuisa rubatsiro kunowanzokonzerwa nekusava nechokwadi kwemisika uye izvi zvinogona kutungamirira vatengesi kuti varambe pamwe nemari yakawanda yemunharaunda. I-Self-Yakatungamirirwa IRAs inokupa iwe unyanzvi hwokutsvaga muzvikwereti zvaunoziva nekuzvinzwisisa.
Chii Chinonyanyisa Kupera Mungozi?
Sezvakanyorwa mubhuku re Self Self-Directed IRA iwe unotarisirwa kuita zvakakosha zvinoenderana neimba yacho pachayo. Izvi zvinogona kuva chinhu chinonakidza chekuisa mari kwemaimba muIRAs kana iwe uri unyanzvi hweimba yepamusoro kana muzvikwereti ane ruzivo. Kunyange zvakadaro, zvinogona kutungamirira kune chisarudzo chakaipa chekutsvaga mari kana kuti inogona kuva chibharo chekubiridzira kana iwe usati uri mubhadhadzi wezvivako zvekumba.
Sangano re Securities and Exchange (SEC) rakabudisa musikana wekutsvaga mari achitaura neA self-Kutungamirirwa IRAs uye pangozi yekunyengera.
Chimwe chezvipingamupinyi zvikuru zvekutengesa zvivako muI Self Self-Directed IRA ndiyo inogona kunge isina kusiyanisa. Kunyange zvazvo isingakwanisi kune vanoponesa zvikuru vakaunganidza huwandu hwehupfumi muIRA, vashandi vakawanda havakwanise kugadzira zvakasiyana-siyana zvekutsvaga mari yehupfumi. Kungotarisa pamusana pekugadzirisa kwepamusoro ndiyo ngozi huru yekufungisisa usati wazvitenga mari yekutsvaga. Kudyidzana chimwe chimwe chinhu chinonyanya kukosha apo kuisa muimba yekugara mukati meIRA. Pane nguva dzose zvingaita kuti iwe usakwanisa kuwana kukosha kwekutsvaga kwako kuti upe kuparadzanisa apo iwe ungada mari yakawanda panguva yako yekurega basa.
Pane Chero Chero Chekuita Kwemitero?
Kuva neimba inotengeswa muIRA inobvumira kuti iwe wekutsvaga iwe uwedzere pamitero-inoderedzwa (Roth IRAs inopa mikana yekukura kwemutero). Zvisinei, kana iwe usingatevedzeri mitemo uye uchitenga pfuma nenzira isina kururama mukati meIRA iwe unogona kukanganisa IRA uye kugadzira chiitiko chinotengesa. IRA kuva nehuwandu hwekutsvaga mari inosarirwawo zvimwe zvemitemo inoshandiswa kune vashandi vezvivako vepfuma kana nzvimbo yacho ichirasikirwa. Iwewo haugoni kutora kuora kwekuwedzera kweIRA-owned real estate.
Kana uri kufunga kuti IRA inogona kushandiswa kutenga imba yezororo kana imba yekutanga kana yechipiri ... funga zvakare! Kuzvipira-Kutungamirirwa IRA kushandiswa kwekutsvaga kwekutengesa kunosanganisira zvivako zvekumba zvinofanira kuva zvese zvemaoko ekureba kwekutengesa. Izvi zvinoreva kuti hapana kuzviita kana kutengeserana kwomunhu oga kwakagamuchirwa neOku-Kutungamirirwa IRAs. Mutemo uyu unoshandawo kune avo vomumhuri mitezo. Saka, usafunga kuti unogona kutengesa kana kutengesa chivako kana kubva kumunhu wemumhuri kana iwe pachako kunze kwekuti iwe uchida kugadzira chiitiko chinotengesa.
Imwe mitero yebhizimusi risina kubatana (BIT) ndeimwe inogona kutora mutero. Izvi zvichave zvakakosha kubhadhara kana iwe uchifunga nezvekushandiswa kwemari yekubhadhara kutenga nzvimbo yekuisa mari.
Neyendarama yeIRA iwe unofanira kutora inoda kugoverwa zvishoma paunosvika makore 70 1/2. Kana iwe uine zvivako muIRA, zvakaoma chaizvo kutengesa pfuma yako yeimba inowanikwa mumataundi maduku gore negore. Ndicho chikonzero iwe unofanirwa kuva nemari yakakwana muIra yako maakare ekuvhara zvidimbu zvako zvinoda kuti urege kubhadhara mitero.
Kuisa mari muzvivako neIRA inotungamirirwa haisi yevose. Kana ukasarudza kuenda nenzira iyi, iva nechokwadi kuti unodzidza mitemo yekutenga zvivako zvemaIra nemari .