Ndiani Anokodzera?
Chero ani zvake anobatsirwa, akadai somwana, muzukuru, muzukuru, muzukuru kana kunyange shamwari, akakodzera kutambanudza IRA inotora nhaka. Masangano anopa rubatsiro haabvumirwi nokuti haafaniri kutarisira hupenyu.
Inodiwa Minimum Distributions
Chimwe chidimbu chinodikanwa chinodiwa, chinowanzozonzi RMD, chiyero chinofanira kubviswa kubva pane zvimwe zvirongwa zvekushandira gore rimwe nerimwe maererano nemitemo yemitero. Muridzi wekambani haagoni kubva muakaunti yacho nguva dzose, achibvumira kuti ienderere mberi kukura musero.
IInternal Revenue Code inopa kuti zvipo zvakagadzirwa kune IRA zvinotambiswa mutero, uye zvinodhevedzwa pamitero yemitero yehurumende pamwe chete. Asi IRS inoda mamwe mari kubva munezvikwereti izvi, saka kuregera kunobhadharwa kune muridzi wemari inowanikwa mari yakawanda. Kunze kweRoth IRAs , vadzidzisi vanofanira kutanga kutora kutengesa mari - RMDs - nemakore 70 1/2 kana vakazorora.
IRS inopa zvikwereti zvakasimba zvekusaita saizvozvo.
Apo Vatsigiri Vanofanira Kutanga Kutora maMMD
Muzuzi weIRAs dzakagara nhaka inowanzova nemasarudzo maviri. Anokwanisa kubvisa kese iyo yose mumakore mashanu ekufa komuridzi, kana kuti anogona kutanga kutora RMDs maererano nehupenyu hwake hwekutarisira mukati megore rimwe remusi wekufa.
Kana tariro yake yehupenyu yakareba kwenguva yakareba kudarika iyo yomuridzi, izvi zvinogona kuita kuti zvidimbu zvakaderera zvinowanikwa uye zvishoma zvisingabhadharwi mari yegore negore kune muwani.
Chii Chinoitika Kana Mupiro Wacho Asingatauri IRA
Munhu anobatsiridzirwa akakodzera kutambanudza zvakaderera zvakaparadzirwa pamusana pekutarisira kwake hupenyu haafaniri kuita kudaro. Anokwanisa kukonzera IRA yakagara nhaka nguva ipi neipi, asi izvi zvichaita kuti kuiswa kwemari yese mubhadhadziro inotora mari inotengeswa yegore ravakabviswa. Kana mubhadhari asingadi mari nokuda kwechimwe chikonzero chinokurudzira, kazhinji kazhinji zviri nani kutora mutero kuti atore chete kushandiswa kwemadiki kunotarisirwa gore negore.
Kuponesa Vakaroorana Iva Neimwe Sarudzo
Mudzimai anoramba ari mupenyu anonzi ndiye mukuru webasa reIRA rine zvimwe zvaanogona kuita: Anokwanisa kupinza mari kubva kune IRA inotora nhaka yake muIRA yake. Izvi zvinomubvumira kuti abate IRA inotora nhaka seyo yake, zvichienderana neMMAD yake yemitemo uye tarisiro yehupenyu.
IRA vanobatsirwa, kusanganisira vakaroorana vanenge vasara, kazhinji vane zvingasarudzwa zvingasarudzwa kubva pavanosarudza zvokuita neakaunti. Mitemo yezvinhu izvi zvinogona kunge yakaoma.
Munhu anobatsira aizove akachenjera kuongororwa nemutevedzeri wemagadziro emigwagwa, mupi wezano wezvemari kana kuti munyori wenhoroondo asati aita chero sarudzo pamusoro pekuwanda kwekuti abve paIRA yakagara nhaka.
Cherechedza: Mitemo yehurumende uye yezvematongerwo enyika inogona kuchinja kakawanda uye ruzivo urwu harungaratidzi kuchinja kwezvino. Ndokumbira kubvunza gweta kana nyanzvi yezvemitero kune mazano akawanda kusvika kune rimwe. Mashoko aya ari munyaya ino haisi yemutemo kana mitero yezano uye haisi kutsiva mazano emutemo kana emitero.