Unofanira Kubhadhara IRA Yako Here kana 401 (k) muTrust Your Revocable Trust?

Wako 401 (k) Haasi Muchivimbo Chako

Unofanira kuisa IRA yako kana 401 (k) mukutenda kwako here? Uyu mubvunzo unouya nguva dzose apo ini ndinosvika kune imwe nzvimbo yekubhadharwa kwetendi nekwereti. Mhinduro yacho kwete. IRA anorindira kana 401 (k) chirongwa wehutungamiri chichavimba nekukusiya munzira dzako kana ukaedza kudzorerazve chirongwa chako muzita rekutenda kwako kunoparadza,

Mitero Inofanirwa Kuendesa Yako 401 (k) Mukutenda Kwako

Iko Internal Revenue Service inofunga kuti kuchinja muridzi weIRA yako kana 401 (k) kunyange nezita rekutenda kwako chikamu chezana-kubva muzana kubva kubhuku.

Iwe unofanirwa kuudza iyo yose kukosha kwekodha pamutero wako wekubhadhara uye iyo yose ichabhadharwa sechikamu chemari yako yegore mugore rawakaita shanduko. Kana uri muduku kudarika makore 59 1/2, iwe uchazofanirawo kubhadhara 10 muzana chirango chekutanga kubviswa kwemari.

Chii Chaunosarudza?

Panzvimbo pane kuchinja iye chaiyo muridzi weIRA yako kana 401 (k) kubva kune zita rako kusvika kune yehupenyu hwako hwekuregererwa, iwe unogona kushandura avo vekutanga uye vechipiri vanobvumirana kuti vaenderane nechinangwa chekugadzira nzvimbo. Izvi zvingaita sechinhu chakaoma pakutanga pakuona, asi zvichienderana nehukuru hweIRA yako kana 401 (k) uye kuti chirongwa chako ndechipi, unogona kushanda neanyanzvi ane ruzivo.

Funga nezveSpousal Rollover

Kutumidza kuvimba kwako semudzidzi wemari yako yekusunungurwa kunogonawo kuva nemigumisiro yakaipa, asi kana iwe uchida mari yekuenda kune wako wako, kune nzira yekuita nayo paunenge uchitenda iwe kubva kune iyo equation - inogona kungosangana newe zvimwe zvinhu .

Pasi pemitemo inokosha ye IRS, iwe unogona kubvisa iyo retirement rekodha pamusoro pemumwe wako, uye iye anogona kuzviisa kune vadyi venhaka vaduku panguva yekufa kwake, achishandisa mazuva avo ekuberekwa nokuda kwekugoverwa zvinodiwa uye nokudaro kutambanudza mitsara yemitero kunze kwevakawanda makore - chaizvoizvo kumarudzi.

ERISA-qualifying retirement plans inogadziriswa nemitemo yakawanda inobatanidza uye yakaoma, kunyanya apo inopedzerwa senhaka. Zvimwe zviito zvaunogona kutora nazvo hazvigoni kuregererwa kana iwe ukaona kuti waita chikanganiso. Zvakakosha zvikuru kuwana ruzivo mazano asati waita.

Cherechedza: Mitemo yehurumende nemunharaunda inochinja kakawanda uye ruzivo rwuri pamusoro harungaratidzi kuchinja kwezvino. Ndapota taura neye gweta kana kuti mumiririri wezano rekuenda kune rimwe zuva. Izvo zvinyorwa zviri munyaya ino hazvibvumirwi nemutemo kana mitero uye hazvisi kutsiva mazano emutemo.