Ita basa rako rechikoro usati watanga IRA rollover
Hezvino izvo zvaunoda kuziva iwe usati watanga IRA rollover.
Ziva musiyano: kugoverwa kweIRA neIRA rollover
Kana iwe ukatora mari yako yekusunungurwa sekupararira kwemari uchafanira kubhadhara mitero yemari, uye kana iwe usati wava 59 ½, kugoverwa kwako kuchave kunoenderana ne10% yekutanga kutora chirango .
Kana ukashandisa iRA rollover kuti uite mari yako yokurega mari kubva kune kambani yako 401 (k) zvakananga neARA account, hapana mimwe mitero ichaongororwa. Pane kudaro mari yako yokurega mari icharamba yakabhadhara mutero, uye iwe haugoni kuripa mitero kusvikira panguva iyo iwe wakatora kugovera mari.
Dzidza matanho anodiwa kuti utange iRA rollover
1. Sarudza sangano rezvemari apo iwe unoda kuzarura account yako yeIRA. Kana iwe uchitova neIRA iwe unogona rollover yako yekambani yekubhadhara mari muIRA yako iripo. Dana kambani yaunenge uine IRA kana kuti iwe unoda kuzarura account yako yeIRA, uye uvaudze zvaunoda kuita. Vachapa mazano.
2. Danai kambani yenyu yekubvisa purogiramu foni nhamba yefoni. Ita kuti iwe hausisiri kushanda uye iwe unoda rollover mari yako yekusimudza kune account yako yeIRA. Vangangokutumira papeti yemapepa aunoda kuzadza. Dzimwe nguva vachakwanisa kukubatsira pafoni.
3. Gamuchira rubatsiro kana iwe usingazivi kugadzirisa mapepa. Mushure mekubhadhara mari inogona kuendeswa kuRoth IRA. Roth 401 (k) mari inofanira kuendeswa kuRot IRA account. Mipiro yemazuva ose inokonzerwa nemitero inogona kuendeswa kune imwe nhoroondo yeIRA. Kana iwe ukazadza mapepa kana IRA rollover kushandiswa zvisina kururama zvinogona kukonzera matambudziko makuru gare gare.
Bvunza mutori wenhau, mubhadharo wega-wega wezvemari, kana kuti nzvimbo yezvemari ndiyo imba yeAra account yako yekubatsira.
Sarudza kana iwe uchifanira kushandisa IRA rollover kana kusiya mari iyo iri
Kana iwe uri pakati pemakore makumi mashanu nemakumi matanhatu , funga kaviri usati waita rollover mari yekurasira kune IRA. Iwe unogona kuva nesarudzo yekutora chirango chekuregera kusununguka kana iwe wakasiya basa mushure memakore makumi mashanu .
Dzidza. Kana iwe usingazivi chinhu nezvekuisa mari, iwe uri pangozi yekuita mari yakawanda kukanganisa kana kutaurirwa kuita chimwe chinhu chisina kunaka nemunhu asina kururama. Kufungisisa zvaunofanira kuisa mune? Zvichida unoda rubatsiro rwemhizha usati watanga. Kana iwe uchida bhuku rakakura panyaya yekutsvaga, tarisa Zvikamu zvina zvekutsvaga .
Ziva zvinobatsira zveIRA rollover
1. Zvimwe kutonga pamusoro pemari. Mukati ma 401 (k) chirongwa kana imwe sangano rinoronga nhamba yakatarwa yekusarudzwa kwekutsvaga inopiwa iwe uye kambani inogona kuchinja varimi vemazano chero nguva.
2. Zvichida kuderedza mari. Mari iri mukati mekambani yako inoronga mari yekubhadhara nenzira yebhadharo yemari. Iwe unogona kusarudza kufanana kwehuwandu hwehutano nemari yakaderera kuburikidza uchishandisa mari yekuenzanisira mune imwe yeIRA rollover account.
3. IRAs inogona kuita kuti zvinhu zvive nyore kune vanobatsirwa.
Hasi mapurogiramu ose emakambani ekurasikirwa anopa mitemo yakafanana neyokuti mupi wako anogona kubvisa mari. Mune nhoroondo yeIRA, mutsigiri wako achava nechisarudzo chekutora kugovera zvishoma nezvishoma pamusoro pekuda kweupenyu hwavo. Vanogona kana kuti vangave vasina sarudzo iyi kana mari inogara muurongwa hwekambani.
4. Kodzero yekusarudza zvikwereti zvakachengeteka. Makambani ekurasikirwa kwekambani yehurumende haawanzopa sarudzo yakawanda yekuchengetedza kwekuchengetedzwa kwekuchengeteka , sehurumende dzehurumende, zvigwaro zvekuisa mari, uye yakagadzirirwa annuities. Kana iwe usingadi mungozi, iwe unogona kunge uine mamwe maitiro kuburikidza nekukanda mari yako kuIRA.
Dzivisa zvikanganiso
Mari yako yokurasikirwa ndeyekuchengetedza chikwereti uye ine mutero-inoderedzwa. Iwe hausi kuda kurasikirwa nezvikomborero izvi zvinonakidza. Dzidza zvose zvaunogona pamusoro pekudzivisa kuita zvikanganiso zvinodhura. Kana iwe ukasungwa, tsvaka rubatsiro rwevadzidzisi vemari .