Chengetedza Mari Yenyu Kuwedzera Mutero-Usina Kureba neRoth IRA
Nokuda kwezvirongwa zvakadai zvekurega basa, Internal Revenue Service (IRS) inotonga kuti iwe haugone kuchengeta mari yako yekubvisa mari yako yekubhadhara mari yakabhadhara nokusingaperi. Kuti uite mutemo uyu, IRS inoda kuti iwe utore zvakaderera kugoverwa kana maMMD kana kuti utambudzike.
Ndezvipi zvinodikanwa zvishoma zvinoparadzirwa (RMDs)?
Zvimwe zvirongwa zvekurega basa, zvakadai se 401 (k) zvirongwa uye zvekare zvekare IRAs dzinoda kuti vanhu vatange kutora mari kubva kubhuku ravo apo vanosvika makore 70½. Izvi zvinoda kubviswa zvinozivikanwa sekuti zvinoda kugoverwa zvidimbu kana maMDD, uye dzinorayira zvishoma zvishoma vanhu vanofanira kubvisa kubva kubhuku ravo gore rimwe nerimwe vachitanga nemakore 70½. I IRS yakanyatsokwana paMRD sezvavanosanganiswa mumutero wekusunungura mari uye naizvozvo, inotungamirirwa nemitero yemari. Iyi ndiyo IRS 'mukana wekuunganidza imwe mutero pamari yakange yakabviswa kana kuti musingabhadhara mutero kusvikira pano.
Kuvanhu ivavo vari kushandisa mari yavo yekurasikirwa mari yekurarama pavanenge vachirasikirwa, zvinodiwa neM RMD hazvina maturo sezvo vazhinji vavo vangangodaro vachisangana nemudiwa uyu.
Kutaura zvazviri, sezvo RMDs inongova zvishoma zvinotarisirwa, vanhu vakawanda vari kushandisa mari yavo yekuchengetedza mari yekuwana mari inotora mari yakawanda kupfuura iyo yaidiwa, uye inowanzobva yatanga kusununguka musati mutezo waro uchitanga.
Asi kune avo vanobva kune dzimwe nyika vane zvimwe zvekuwana mari yekusunungurwa kana kuti vangasapedza kushandisa mari mumhando idzi dzekubvisa mari, izvi zvinodiwa zvinokonzera uye zvinowanzokonzera mari inotengesa.
Somugumisiro, havakwanise kuramba vachichengetedza mari munhoroondo idzi nekusingaperi uye mukana wekukwereta mutero-wakadzokidzwa kukura kurasikirwa. Apo maMDD ari chidimbu cheMitambo yeIras, 401 (k) zvirongwa , SIMPLE IRAs , uye SEP IRAs, maMRD haisi izvo zvinodiwa neRoth IRAs.
Ndeipi rinoshandiswa Kudiwa Mashoma Kuparadzirwa (RMDs) anotanga?
Muzviitiko zvakawanda iwe unofanira kutora kushandiswa kwako kwekutanga kunotarisirwa kwegore raunosvitsa makore 70½. Zvisinei, kugovera kwako kokutanga kunogona kunonoka kusvika paApril 1 wegore rinotevera gore raunosvitsa 70½. Kwemakore ese anotevera, kusanganisira gore rawakagamuchira RMD yekutanga naApril 1, unofanira kutora RMD naDecember 31 wegore.
Kana iwe usingatori zvisizvo, kana iwe unotora zvishoma pane zvaunofanirwa, iwe unopedzisira uchinge warohwa ne 50% yemutambo wekutengesa mutero pamusiyano pakati pemari yawakasiya uye mari yaunofanira kunge yakabvisa. Uye kunyange nemashoko akaipa iwayo iwe uchafanira kutora chikwereti chaidiwa uye kubhadhara chero mutero wemutero uripo pamutengo unotengesa.
Nzira Yokuverenga Nayo Inodiwa Kuparadzira Nhamba
IInternal Revenue Service inopa huwandu hunodiwa hwekuparadzira mapepa ekubatsira pakuita kwekuverenga maMRD.
- Joint uye Last Last Survivor Table (ona Appendikisi B) - Shandisa kana wako wako makore gumi ari muduku kupfuura iwe.
- Upenyu Hwemunhu Hwakatarisira Tariro - Shandisa kana uri kutora kugoverwa semunhu asingabatsiri nemudzimai.
Mhando dzakasiyana dzeMRD calculator dzinobatsira dzinowanikwawo kuti dzikubatsire kuverenga kuparidzirwa kunodiwa.
Roth IRAs uye Inodiwa Minimum Distributions (RMDs)
Roth IRAs, kufanana nedzimwe motokari yekuchengetedza mari, inopa zvikomborero zvakakura kubva mukukwereta kwemutero kusina kushandiswa kwekutsvaga mari, asi imwezve inogona kubatsirwa yeRoth IRAs ndeyokuti haafaniri kugoverwa mashoma (RMDs) uye haisi pasi pemitemo yeMRD. Kunyange vanhu vakwegura vanopfuura 70½ havadi kutora chero mari kubva pamagadziro avo, zvinoreva kuti kuwedzera kusina mutero kunopiwa neRoth IRAs kunogona kupfuurira.
Kune vakawanda vakasiya basa, izvi zvakasiyana nemitemo yeMRD hazvibviri, sezvo vanhu vazhinji vanotanga kutora kubva kuRoth IRA yavo pavanenge vachirega basa. Asi kune avo vangave vasingadi kubvisa mari kubva kuRoth IRA yavo yekurega basa rekushandisa mari, Roth IRA inogona kupa mukana unoshamisa wekupa nhaka inowedzera nhaka kune vagari venhaka uye vadikanwa. Kunyange zvazvo Roth IRAs isina maMDD munguva yeupenyu hwomuridzi webhuku, kuregererwa kunotarisirwa pamari yeRoth IRA inotora nhaka, asi vanotevera mitemo yakasiyana zvakasiyana nemitemo yeMRD.