Izvo, nguva ipi, uye zvakadini zvinodiwa zvakaderera kugoverwa.
Ndirini pandinofanira kutanga kutora kudiwa kuderera kugoverwa?
RMD yako yekutanga inofanira kuitika musi waApril 1 wegore mushure mokunge mava nemakore makumi manomwe nemakumi mashanu, asi vanhu vakawanda vanozviwana zvakanyanya kunyatsobhadhara mitero kuti vatore kugovera kwavo kwekutanga mugore ravanosvika makore 70 1/2.
Muenzaniso: Kuberekwa kwaBob muna February. Nokudaro anoshandura makumi manomwe nemakumi mana munaAugust. Kugoverwa kwake kokutanga kunofanira kuitika musi waApril 1 wegore rinotevera, kunyange zvazvo aigona kuitora mugore razvino. Kana Bob achimirira kusvika Kubvumbi 1 wegore rinotevera gore raanoshandura 70 ½, achafanirwa kutora kushandiswa kwakaderera kwemakore ose maviri. Chisarudzo chake chekumirira uye kutora miviri miviri mugore rechipiri, kana kutora kugovera kwake kokutanga mugore raanoshandura makumi manomwe nemakumi mashanu rinofanira kunge rakasarudzwa pane izvo zvingaita kuti zvive nematare emitero pamusoro pemakore maviri aya. Ndiine mazana emavakatora ini ndakashanda navo, ndakaona mashomanana mashoma apo zvakanzwisisika kunonoka RMD yekutanga.
Ndinofanira kutora RMDs kubva kuRoth?
Iwe HAUI waidiwa kutora zvishoma kubva kuRoth IRA yako. Zvisinei, iwe unofanirwa kutora RMD kubva kune dzimwe mhando dzeRoth accounts.
Somuenzaniso, mitemo yeRS inoda kuti iwe utore RMD kubva kuRoth 401 (k) s, zvisinei, pamusana pokusiya basa, iwe unogona kuisa Roth 401 (k) yako muRoth IRA yako kuitira kuti urege izvi zvinoda.
Iwewo unofanira kutora RMDs kubva kuRoth IRAs yakagarwa nhaka kuitira kuti kana vana vako vachigara nhaka yako Roth IRA havagoni kuita kuti mari iwedzere rusununguko rusingaperi - inotanga kutora mari yakatarwa gore negore.
Ko kana ndichiri kushanda pazera remakore 70 1/2?
Kana iwe uchiri kushanda uye uchipa rubatsiro kune waunoshandira-urongwa hwekurega basa, mamwe mapurogiramu achakubvumira kuti unonoke RMD yako.
Purogiramu imwe neimwe yakakodzera ine mitemo yayo. Iwe unofanirwa kutarisa nepurogiramu yako kuti uone kana iwe uchizodiwa kutora kugoverwa pazera remakore 70 1/2 kana uchiri kushanda.
Ndinofanira kutora zvakadini?
Kuwanda kwekugoverwa kwako kunotarisirwa kunobva pazvinhu zviviri: gore rekutanga raDecember 31st balance balance, uye tafura yeRS maererano nezera rako.
Iwe unoshandisa zera rako sezuva rako rekuzvarwa mugore rekugovera kwako. Saka kana uri kutora kugovera muna 2017, shandisa zera raunowana pazuva rako rokuzvarwa rinoitika muna 2017.
Nokuda kwekutaura kwako, makore makumi maviri ekutanga (kuvhara kuparadzirwa kwemakore 70-90) etafura inowanzoshandiswa, Bhuku reUniform Life Expectancy, rakanyorwa pasi pechikamu chino. Kuti uverenge kuparidzirwa kunodiwa kune mumwe munhu anopfuura makore makumi mapfumbamwe nemapfumbamwe, rondedzera iyo yakakwana Uniform Lifetime tafura pawebsite ye IRS (pane iyi IRS peji yepumburu kusvikira pasi pasi peTable III kuti uwane Uniform Table).
Kana uine mumwe wemakore gumi ari muduku kudarika iwe, kana iwe uri kutora kugoverwa semunhu asingabatsiri wemubereki weARA account, pane kushandisa imwe tafura pane imwe yezvikwata zviri pasi apa:
- 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.
Ndinogona here rollover RMD yangu kuenda kuRoth?
Aiwa, haugoni kugovera kudhindwa kwako kunowanikwa kuRoth IRA. Zvisinei, iwe unogona kugovera mari kubva kuIRA yako-in-kind, zvinoreva kuti iwe unogovera zvikamu zvekutsvaga pane mari. Zvadaro mari iyo inoramba ichitsvaga mubhuku rekwereta.
Ndinokwanisa here kutumira RMD yangu kune rudo?
Iwe unogona kutungamirira RMD yako kune rudo, uye haigoni kuonekwa semari inotengesa pamutero wako wekudzokera. Urongwa uhwu hwaive huripo kwenguva pfupi mumutsetse wemutero asi hwakagadziridzwa kubva muna 2016. Unonzi "unyanzvi hwekugovera zvipo."
Ndinoverenga sei zvandinoda kugovera zvishoma?
Kuti uone kuti unofanira kutora mari yakawanda sei, tora mari yako yeDisemba 31 yegore raDisemba gore risati rapera, tarisa makore ako pafurafura yakakodzera, uye ugoverenge mari yako yekuenzanisa nechocho (kusara kugovera nguva) zvichienderana nezera rako.
Muenzaniso: Bob aiva ne $ 100,000 muIRA yake musi waDecember 31 wegore risati rasvika. Bob ane makumi manomwe uye anosarudza kutora kugovera kwake kwekutanga mugore raanoshandura 70 ½.
- $ 100,000 / 27.4 = $ 3,649.63
Iyi ndiyo mari Bob inofanira kubvisa kwegore rekarani iyo inoshandura 70 ½.
Edza anowanikwa mumutambo weDMD calculator kuti uenzanise kuti ikozvino iwe kana kuti yeramangwana inoshandiswa kudhindiswa.
Chii? Chirango chekusatora chidimbu chinowanikwa chinodiwa!
Chirango chekusatora chidimbu chinowanikwa chinotarisirwa mutero we 50% pane chero zviyero zvisingatoreri munguva.
Kuti uwane mamwe mashoko pamusoro pekugoverwa kwemashoko mashoma ona:
IRS Retirement Planning Zvine Zvechokwadi Nezvekuda Kuparidzirwa Kwemadiki Kunodiwa
Kutanga Makore Makumi Makumi Makumi Makumi Makumi Makumi Akaparidzirwa Tafura
| Kutanga Makumi Makumi Makumi I Inodiwa Minimum Distribution Table (Uniform Lifetime) | ||
| Age | Kupararira Nguva | |
| 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 | |