Maitiro Ekuti Upenyu Hwenyu Hutarisire Hupi Hwakaita Kuti Zvidimbu Zvidimbu Zvidimbu (RMDs)
Izvi zvinotarisirwa zvinotumidzwa sekudiwa kunoshandiswa kuparadzirwa , kana mutemo weMRD.
Chinodiwa Kutanga Musi weM RMD
Kutanga musi waApril 1 wegore uchitevera gore iwe unosvika 70½, iwe unofanirwa nemutemo kutanga kutora yako Minimum Distribution Yakadikanwa (RMD) kubva kune yako 401 (k) , tsika dzechirongwa IRA , kana imwe hurongwa hwekurega basa hwegore negore. Ichi chikamu chakanaka chinoverengerwa zvichibva pachiyero chekutanga chemakambani ako akabatanidzwa akakodzera sekutanga kwegore rekutere rakagoverwa nehupenyu hwako hwekutarisira.
Mitemo Inodiwa Yechidiki Yokuparadzira
Zvinotarisirwa kuti zviduku zviparidzike (RMD) mitemo iripo nekuda kwekubhadhara mitero inopiwa nehutano hwemari yekurasikirwa. Izvo zvirongwa zvakakosha zvakadai se 401 (k) zvirongwa, tsika dzeIRAs, uye SEP IRAs dzose dzinopa rubatsiro rwemitero pamigiro inoita (kusvika pamiganhu) pamwe nekuwedzera kwemitero kune zvipo zvinopiwa. Izvi zvinokurudzira uye zvinobatsira kwete kungokurudzira vanhu kuchengetedza basa rekurega basa nhasi, asiwo vanoita kuti zvishoma nezvishoma kuwedzerwa kukura kwezvinhu izvozvi zvekusarura kwemazuva anotevera.
Asi, pakupedzisira, IRS ichada chikamu chayo chemadhora iwayo.
Ndiyo iyo mitemo yeMADD inouya. MaMDM anokosha kuti ave nechokwadi chokuti IRS ichapedzisira yawana kubhadharwa iyo mairi mumakosheni ako ekurasira nekuda kuti iwe utore kugoverwa kuchawedzerwa pamutero wako unotengesa gore negore. Kune vazhinji vakasiya basa, mitemo yeMMD haina mhinduro yakakosha pamari iyo mari yavo yekurasira inoshandiswa, sezvo vazhinji vakasiya mari vachitanga kugadzirisa kubva kubasa ravo (s) senzira yekuregera mari vasati vava nemakore 70½.
Asi kuti uone kuti hauzovi pangozi yepamusoro we50% yemhosva yemutero unongororwa kana RMD isingatorwa nenguva, iwe uchada kuziva huwandu hweM RMD yako pachako.
Izvo Zvinodiwa Zvishoma Zvokuparidzirwa Zvakaverengwa
Zvaunoda iwe pachedu kugoverwa (RMD) inotarirwa zvichibva pachiyero chekutanga chekodha rako rekubatira mari yakabatanidzwa uye iwe unotarisira hupenyu. Kunyange zvazvo vazhinji varonga zvirongwa zvekuchengetedza vachapa RMD yako yakatarwa kwauri, havakwanisi kuiti, saka zvakanakisisa kana iwe uchikwanisa kuzviverenga iwe pachako.
Kuti uverenge RMD yako kwegore rakadaro, iwe uchatora zviyero zvebhuku zvezvese dzekodha rako rekurega basa (401 (k), tsika yeIRA, SEP IRA, SIMPLE IRA, nezvimwewo) musi waDecember 31 wegore rapfuura uye kuwedzera kwavari pamwe chete. Zvadaro, iwe unongoparadzanisa izvo zvizere nehupenyu hwako hwekutarisira chikonzero. Iwe unowana sei hupenyu hwako kutarisira chikonzero? Iwe unofanira kubvunza IRS Uniform Lifetime Table.
Ngatitorei munhu mumwe chete akatendeuka 70 1/2 muna 2018 uye aive akabatanidza IRA balance ye $ 274,000 pazuva rekupedzisira ra2018. Sezvo munhu mumwe chete, munhu uyu achashandisa kupararira chinowanikwa mu IRS Publication 590. Iyo kugoverwa ichave 27.4 vachifunga kuti vacharamba vari 70 pazuva rokupedzisira ra2018.
Nokudaro, RMD 2018 iine $ 10,000 ($ 274,000 / 27.4), uye vaizove neApril 1 kuzogovera chikamu ichocho. Iwe unogona kuverenga kuwanda kweM RMD yako uchishandisa mapepa emashizha eMMD akawanikwa pawebsite ye IRS.
IRA Inodiwa Pepa Rokuparadzira Rhizha Rokushanda
Roth IRAs HASI Pasi pemitemo yeMRD
Apo mitemo yeRS inoda kuti iwe utore RMDs kubva kuRoth 401 (k) s, rako reRoth IRAs harisi pasi pekugoverwa kuduku kuduku. Inherited Roth IRAs ine zvigadziro zvekupararira zvinodiwa.
IRS Uniform Upenyu Husingatarisiri Table
Kuti uone hutariro hwako hwehupenyu huripo, IRS yakasika iUniform Life Expectancy Table . Kunze kwekuti mumwe wako asi iwe iwe chete unobhadhara uye ane makore anopfuura gumi vaduku kukunda iwe, iyi ndiyo tafura yekushandisa Izvo zvakati, kana wako wako ane makore gumi kana kupfuura apfuura iwe, shandisa matafura akabatanidzwa uye anoponesa pane.
| Uniform Lifetime Table | |
|---|---|
| Age Your | Upenyu Hwenyu Hutarisire |
| 70 | 27.4 |
| 71 | 26.5 |
| 72 | 25.6 |
| 73 | 24.7 |
| 74 | 23.8 |
| 75 | 22.9 |
| 76 | 22.0 |
| 77 | 21.2 |
| 78 | 20.3 |
| 79 | 19.5 |
| 80 | 18.7 |
| 81 | 17.9 |
| 82 | 17.1 |
| 83 | 16.3 |
| 84 | 15.5 |
| 85 | 14.8 |
| 86 | 14.1 |
| 87 | 13.4 |
| 88 | 12.7 |
| 89 | 12.0 |
| 90 | 11.4 |
| 91 | 10.8 |
| 92 | 10.2 |
| 93 | 9.6 |
| 94 | 9.1 |
| 95 | 9.6 |