Kuzivisa Chikwereti Chekubhadhara Kwemari Yenyu yePension uye Annuity Payments
Izvo zvinoshamisa, kutaura zvishoma. Ndeipi? Iwe unoziva sei kuti mari yako yekubvisa mari inobhadharwa?
Nenzira yakanaka, IRS inopa matanho akasiyana-siyana ekuverenga.
Pension uye Annuity Imari
Unganidza zvinyorwa zvako zve1099-R kubva kubhangi rimwe nerimwe, mutual fund, kana chirongwa chokubvisa basa regore. Aya mazwi 1099-R anorondedzera kuparadzirwa kubva pamitemo yakasiyana-siyana yekusarura.
Zvino gurai mazwi 1099-R mumapuranga maviri: avo vamakagamuchira kubva kuIRA yenyu, uye avo vakagamuchira kubva kumapenjeni enyu kana mapurogiramu emakore. Dzokorora kugovera kwako kweIRA mumutsara we15a weFomu 1040. Bvisa kuparidzirwa kwepenjeni uye kupiwa kwemari pamutsara 16a.
Inotora Chikamu Chezvikwereti Zvesheni uye Annuities
I IRS inoratidza kuti kana iwe wakapa mari inotevera -tax madhora kumari yako yepenjeni kana annuity, yako rebhadharo yepensheni inoshandiswa chikwereti. Iwe haungabhadhara mutero pane chikamu chemaripo inomiririra kudzoka kwemutero mushure mekubhadhara iwe waibhadhara. Iyi mari ndiyo mari yako muurongwa kana hutsvaga, uye inosanganisira zviyero izvo waunoshandira angave akazvipa iyo yakatengwa iwe semari inowanikwa panguva iyoyo.
Mune mamwe mazwi, mishandira ipi yawakaita nayo mushure mekubhadhara mutero uye yausina kutora mutero wekubhadhara mutero haikwanisi kutengesa kusvika zvino. Iwe wakatobhadhara mitero pamari iyoyo kamwechete. Izvi zvinosanganisira kupa mupiro wawakashandisa iwe panzvimbo yako asi iyo yaive yakanzi iwe semari inobhadhara saka wakabhadhara mutero pamari iyo yavakapiwa.
Ndicho chikamu chiri nyore. Iyezvino iwe unofanirwa kuziva kuti nzira yakasara inoshandiswa sei. Chikamu chemitero yakabhadharwa inobhadharwa pasi peGeneral Rule kana kuti Simplified Method. Iwe unofanira kushandisa Mutemo Mukuru kana annuity yako kana penhesi yako yakatanga musi waNovember 18, 1996. Kana yako yepenjeni kana mari yekubhadhara iwe yakatanga mushure megore rino, unogona kushandisa Nzira Yakarongeka kuti uverenge chikamu chako chekubhadhara.
The General Rule
"Pasi peGeneral Rule, iwe unotora zvikwereti zvisingabhadhara uye zvisina mutero zvemari yako ye annuity uchishandisa mararamiro emararamiro ehupenyu anorayirwa ne IRS," maererano ne IRS.
Verenga IRS Publication 939, General Rule yePensions uye Annuities kuti uone mari yako yepamutemo yepensheni uye yegore pasi peGeneral Rule. Kana iwe usingadi kuenda kune ose anotambudza kana pangozi achiita chikanganiso, IRS inoda kuverenga yako inobhadhara mari yepenjeni pasi peGeneral Rule kwauri nokuda kwekudaidzwa kwevashandi. Mirayiridzo yekukumbira IRS kuverenga mari yako yepereji pasi peGeneral Rule inogona kuwanika muPublication 939, Ichikumbira Kutonga Pamusoro Pemitero yeAnhuuity.
The Simplified Method
IRS inotaura kuti "kana iwe ukatanga kutambira mari yekubhadhara kubva kune chirongwa chekurega basa mushure meNovember 18, 1996, kazhinji iwe unoshandisa Method Simplified kuti uone chikamu chisina mutero chemaripo.
Chirongwa chekurega basa chiri chirongwa chekushandira mushandi, munhu anoshanda zvakakwana annuity, kana kuti mutero-wakachengetwa goreuity plan. Pasi Pemutemo Wakaitwa, iwe unogona kuverenga zvikamu zvisingabhadharisi uye zvisina mutero zvebhadharo yako ye annuity nekuzadzisa Chirongwa Chekushanda Method Worket. "
Nzira Yakagadziriswa yeMashandiro eSepa inogona kuwanikwa papeji 26 yeMirayiridzo yeFomu 1040 kana uchida kuishandisa kuti uone mari yako inobhadhara mari yepenjeni uye yegore. Chikamu chekubhadhara zvinobva chataurwa paFomu 1040 Mutsara 16b.
Information Tax pamusoro pePensions uye Annuities
Zvose zvakajeka uye zviri nyore kuverenga misoro yemutero pamusoro pemari uye mari yepensheni inowanika muChitsauko 7 cheJK Lasser's Your Revenue Tax . Chitsauko ichi chinosanganisira zvose zvese zvaunoda, kusanganisira maRS mapepa, mapepa ehupenyu hwekutarisira, uye kukurukurirana kwemarudzi akasiyana-siyana e annuities uye zvirongwa zvepenjeni .
Iwe unogonawo kureva zvinotevera IRS Publications:
- Pension uye Annuity Income (Publication 575)
- General Rule yePensions uye Annuities (Publication 939)
- US Civil Service Retirement Benefits (Publication 721)
Mitemo yemitero inoshanduka nguva nenguva uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota sangana nemudzidzisi wezvemitero kune mazano akawedzerwa kusvika kune rimwe. Mashoko aya ari munyaya ino haatauri semazano emitero uye haisi kutsiva mazano emitero.