Vakawanda muAmerica vane IRA iyo inogonawo kunzi compte yakakodzera. Nhoroondo dzakakodzera dzinonzwisiswa nehurumende semotokari yekusimudza uye inokubvumira kurega mitero yokubhadhara pamari iri munhoroondo iyo yakadarika makore makumi manomwe ½. Panguva iyoyo, hurumende yedu inodiwa inokuputira pamapfudzi kukuyeuchidza kuti yava nguva yekutanga kubhadhara mutero pamari iyo, kana iwe uchida kana kwete.
Izvi zvakamanikidza IRA kugoverwa kunonzi yako Inodiwa Minimum Distribution uye inowanzozivikanwa seM RMD yako. Panewo hurongwa hweRS hwakagamuchirwa iwe unofanirwa kuziva kuti unoti "Kuratidza IRA Yako", kana kuti "Stretch IRA" hurongwa.
Iwe Unogona Kuenderera RMD kune Vabatsiri Vako
Kune vanhu vazhinji vane ruzivo rwakakwana kuti vatore chete maMMD kubva kuIRA yavo semari yekuwana mubhadharo. Urongwa huzhinji huri kuva kusiya nhaka, uye kupfuurira IRA yakasara yefuma kune vagari venhaka uye vanoverengerwa vanoverengeka. Kutambanudza IRA yako iri kungoita kuti vatsigiri vako varambe vachiendesa maMMD enyu mushure mokunge maenda. Iyo nzira yakanyatsoshanda uye yepamutemo yekuderedza mitero pamwe nekusiya nhaka yekusingaperi yemari kune vanodiwa. Iwe haufaniri kuva negore rekushandisa shanduro ye "Stretch IRA", asi mari yakasimbiswa inokweretesa zvakanaka nekuda kwekudzivirirwa kwavo kukuru uye zvivimbiso zvemvumo.
Ngatitorei Kutarisa Pamwechete "Tsika IRA" Muenzaniso
Muchiitiko ichi chidzidzo, baba vane dhora guru mumari yake yekare IRA, uye mudzimai wake akarongerwa seanonyanya kubatsirwa neIRA yake. Mupiki (wechipiri) anobatsirwa ndiye mwanakomana wake oga, uye wepamusoro (wechitatu) anobatsirwa ndiye muzukuru mutsva.
Heino nzira iyo "Stretch IRA" hurongwa hunoshanda:
- Baba vanotora makumi manomwe nemakumi maviri uye vanotanga kutora mvumo Yacho Inotarisirwa Minimum Distribution kubva kuIRA yake, uye gore rega rega mari inodiwa inofanira kunge yakanyanyisa kubva muupenyu hwake.
- Pashure pemakore gumi ekutora ma RMD, baba vanopfuura.
- Nemhaka yokuti mudzimai wake akarongerwa seanonyanya kubatsirwa, anotanga kugamuchira maMRD kubva kuIRA murume wake, asi iyo RMD itsva yakatarwa ikozvino yakabva pamararamiro ake.
- Mudzimai anotora maMDD aya kwemakore gumi, uye ipapo anopfuura.
- Nemhaka yokuti mwanakomana wavo oga anorondedzerwa semugovereri (wechipiri) anobatsira, anobva atanga kutora maMDD ake kubva kuna IRA baba vake, uye gore rega rega rega zvichienderana noupenyu hwake hunotarisira (kwete baba vake kana amai vake).
- Mwanakomana anotora RMDs, zvichienderana nekutarisira hupenyu hwake, kubva kuIRA yababa vake, uye ipapo mwanakomana anopfuura mushure memakore gumi
- Nemhaka yokuti muzukuru anorondedzerwa semudzidzi wepamusoro (wechitatu) anobatsirwa, anobva atanga kutora RMDs kubva kuna sekuru vake IRA, pamwe chete nechinangwa chegore negore chinoenderana nechinangwa chake cheupenyu pamwe chete.
Saka ndiyo nzira iyo Stretch IRA inoshanda kuti iwane mari kune vemhuri dzakawanda mumarudzi akatevera.
Ikoko Kunowanikwawo Super Stretch IRA Strategy
Kana baba vakagadzira muzukuru wake wekutanga kubatsirwa; izvi zvinonzi "Super Stretch" IRA nekuda kwekusiyana kwemakore pakati pekuru na muzukuru.
Kune nzira dzakawanda dzekutambanudza IRA, saka sarudza kuti ndiani iwe uchanyora sevatsigiri kuIRA yako, uye akasarudza kuti ndiani wekutanga, wekuteerera, kana wepamusoro-soro vanogamuchira vachave nechinangwa chakanaka chakanaka.
Zvakare, yeuka kuti zvakakosha kunzwisisa kuti haufaniri kuva nekodzero yekushandisa shanduro ye "Stretch IRA", asi annuities yakagadzikana inokodzera kutambanudza IRA hurongwa hwakanaka nekuda kwekudzivirirwa kwavo kukuru uye zvivimbiso zvemvumo . Iko kunewo maitiro mashomanana e annuity akaendeswa kumativi eDMD . Pachinono, iwe unofanirwa kuziva nezvesarudzo yeIRA Stretch. Kana iwe ikozvino uchishanda nemudzidzisi, uye iyi ndiyo nguva yokutanga iwe wakambonzwa pamusoro pesarudzo kana kuti unonzwisisa kuti inoshanda sei, saka ingangodaro nguva yekuwana mutevedzeri mutsva.