Zvasarudzo zvekutarisana neRetirement Account Inhaka
Nzira Yaunowana Nayo IRA kana 401 (k)
Avo vanogara nhaka yeIRA kana 401 (k) vanozivikanwa sevakagadziriswa vanobvumirwa nekambani.
Apo munhu paanotanga kuzarura IRA kana 401 (k) chirongwa, chikamu chemakambani ekutanga mapurogiramu ndechekuti ataure chimwe chinhu chikuru uye zvichida kunyange vamwe vanobatsiridza. (Kana iwe usingarangariri vatsigiri wawakadanirwa kugoogle yako, iwe unogona kugara uchitarisa nekambani inotungamirira chirongwa chako.Vazhinji 401 (k) nevateresi veIRA vanokubvumira kuita izvi paIndaneti.) Kana chero chinhu chipi zvacho chichiitika kune iyo account mubati, nhumbi dziri mubhuku dzinopfuurirwa kune avo vanobatsirwa nenzira iyo iyo mutevedzeri wekambani akatarirwa.
Kuenzanisira izvi, tora Kelly, uyo ane murume nevana vaviri. Murume wake ndiye anonyanya kubhadhara 100% yemari, uye vana vake vaviri vari rimwe nerimwe 50% vanobatsirwa. Izvi zvinoreva kuti, pakufa kwaKelly, murume wake anowana nhaka yakazara. Kana murume asiri mupenyu kuti adzire zvinhu, kana achipfuurira paanenge achigamuchira kugoverwa kubva kwekambani, mari ichaparadzaniswa pakati pevana.
Kune nzira dzakawanda dzekuparadzanisa zvinhu pakati pevakabhadhara, uye zvinokwanisika kutumidza chivimbo kana chivako semubatsiri kana kuti mupi wemubatsiri kune IRA kana 401 (k).
Zvisarudzo zveMudzimai weAkodhi
Mumuenzaniso wedu, murume waKelly ari nhaka yeIRA kana 401 (k). Kana iwe uri mukaroorana, iwe unosarudzo dzakawanda.
Nzira yekutanga, uye zvichida kutanga kwemazuva ekubata neIRA kana 401 (k) iyo yakagara nhaka, ndeyokutora zvinhu zvacho zvose kamwechete. Izvi zvinozivikanwa sekupararira kwemafupa . Nezvo sarudzo, iwe unobhadhara mitero pamari yakagoverwa. Iko gorosi inofanira kunge yakabatanidzwa sechikamu chemari yako yegore negore kana uchitaura mutero wegore iroro. Ikoko kunogona kunge kune mvumo 20% inorega mitero apo mari yacho inotorwa. Nhau dzakanaka ndiyo inenge isingashandisi ku 10% yekutanga kutora chirango .
Vamwe vakaroorana vangave vachida kuchengetedza mari iri kukura mitero-inoderedzwa nokuda kwekugara kwavo pachavo. Mumwe mukadzi ane kodzero yakasiyana-siyana yekuendesa zvinhu kuna IRA yake (avo vasiri vashandi vanogona kuwana). Purogiramu yekudzorera uye zvikwereti zvekutanga kubvisa zvinowira pasi pemirairo yeIRA yokuregererwa .
Chisarudzo chechitatu kune mumwe wako ndechokuzarura chimwe chinhu chinonzi IRA yakagara nhaka. NeIRA yakagara nhaka, iyo nhoroondo inogara muzita raKelly kuitira kuti murume wake abatsirwe. Kungofanana nedzimwe sarudzo yeIRA, mari yacho ichaenderera mberi kukura mitero-inoderedzwa kusvikira mari yapera. Misiyano iyi nechisarudzo cheIRA ndiyo mari inogona kuwanikwa chero nguva.
Kune mamwe mitemo yakasimba chaizvo apo vagari venhaka vanofanira kutanga kutora kuparadzirwa.
Chidimbu chinowanikwa chinodiwa (RMD) ndiyo mari inofanira kutorwa kubva kubhuku gore roga roga panguva yekurega, zvichienderana nezera remubhengi wekambani kana mubhadhari, uye ukuru weiyo account. (Unogona kugovera chikamu chako chebhuku chegore rakatarwa nekutarisira kweupenyu kuti uverenge RMD yako.)
Kana Kelly akanga ari muduku kudarika 70 ½ paakafa, murume wake anofanira kutanga kutora zvigadziro zvishoma zvegore negore zvaaifanira kufa kana kuguma kwegore raakange atora makumi manomwe nemakumi matanhatu, chero nguva yapera.
Kana Kelly aive akwegura kudarika 70 ½ panguva yekufa kwake, murume wake anofanira kutora RMD yegore negore pakupera kwegore kutevera kufa kwaKelly. Izvo ndezvokuti kana Kelly ari kutora kuparadzirwa panguva yekufa kwake. Mukudaro, murume wake anofanira kutora RMD mugore rekufa kwaKelly.
Kana iyo nhoroondo iine 401 (k), RMD inogona kudiwa zvisati zvave izvo zvinogona kuendeswa kuIRA itsva.
Zvisarudzo zvevana nevasingawaniki Vanowana nhaka yeIRA kana 401 (k)
Kana iRA inofanirwa nayo inobva kumubereki kana mumwe munhu asiri wawakaroorana naye, hauna sarudzo yekudhinda iyo nhoroondo iwe pachako. Zvisinei, iwe unogona kuisa IRA yakagara nhaka uye uine zvinhu zvichiri kuwedzera kukura, mutero-wakadzorerwa. Zvakare, iyo nhoroondo inoramba iri muzita remugove wekambani yekubatsira kwako. MaMRD akafanana. Kana muridzi wekaunti yako apera asati asvika makore makumi manomwe nemakumi mashanu, unofanira kutora RMDs kana pakupera kwegore iroro kana kuguma kwegore umo muiti wekambani angave akachinja makore makumi mana kana kupera kwegore rekufa, chero ipi inotevera.
Vanhu vasina kuroorana vanewo kodzero yokubhadhara mari, kubhadhara mitero uye kutora chikwereti. Kana paine anopfuura umwe anobatsirwa, unogona kukumbira kuparadzanisa kambani uye rega mubhadharo mumwe nomumwe asarudze kuti aite sei negove yavo.
Chero chisarudzo chaunosarudza chinogadzirisa. Usati wasarudza chisarudzo chipi chakanakisisa kwauri, chinogona kubatsira kutaura nemumwe mutungamiri wemitero pamwe chete nemarongerwo emari kuti uwane maonero akazara ekuti umwe neumwe unobata sei mufananidzo wako wemari. Kunyange mumiririri wekambani yeIRA fund kana 401 (k) mutungamiri anogona kukwanisa kufamba newe kuburikidza nemasarudza ako.
Zvinyorwa zviri panzvimbo ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.