Kuvhara IRA Yenyu Inhaka Yakatarisana Nekutambanudza Ita Yenyu Inhaka IRA
Pasi pane urongwa hwezvimwe zvingasarudzwa zvaunogona kuva nazvo paunosarudza zvokuita newawakagara uchitenga IRA . Asi usati wataura zvingasarudzwa, iwe unoda kuziva zvinhu zvitatu zvinokosha: (1) Hauzobvumirwi kupfuurira pamusoro peIRA inotora nhaka muIRA yako pachako, izvi hazvisi izvo zvingasarudzwa, zvakadaro, (2) Uchabvumirwa kutora kugoverwa kubva kuIra yakatora nhaka pasina kubhadhara chikamu chezana chezana chekutora zvishoma , uye (3) Chikonzero chandinoramba ndichidzokorora kuti iwe unogona kusarudza kubva pane zvakasiyana-siyana ndezvokuti havasi vese varairi veIRA vanopa zvose zvingasarudzwa kune iye asiri mudzimai vabatsiri vemasikirwo eIRAs. Kunze kweizvi, zvimwe zvezvisarudzo zvako zvingave zvisingakwanisi pamusana pezera remuridzi webhuku panguva yekufa kwake, uye vapenyu vanogara vanogona kunge vane maitiro akasiyana zvakasiyana nevatsigiri vasiri varo . Nokudaro, unofanira kutanga watanga mubatsiri weIRA kuti chii chaunogona kuita maererano neIra yako yakagara nhaka asati asarudza zvokuita mumamiriro ako ezvinhu.
4 Kusarudzwa kwevanhu vasiri Vashandi Vanowana Nhaka dzeIras
Sarudzo # 1 - Cash Kubva IRA mumakore mashanu . Iwe, semunhu asiri muwanano weIRA anowana rubatsiro, achabvumirwa kubvisa mari yose kubva kuIRA naDecember 31 wegore rechishanu mushure mekufa kwemurairi weIRA. Kana ukasarudza sarudzo iyi, ipapo kubvisa imwe neimwe kuchabatanidzwa mumutero wako wekubhadhara mukati megore mari yacho inotorerwa.
Iwe haufaniri kutora kugovera muzvikamu asi unofanira kubvisa mari yose panguva ipi zvayo isati yatangira musi waDecember 31.
Sarudzo # 2 - Tora Zinodiwa Zvidimbu Zvidiki Pamusoro Pehupenyu Hwenyu Tarisiro . Iwe, semunhu asiri muwanano weIRA unobatsira, unokwanisa kutora kudikanwa kwemadiki kunotarisirwa pamusoro pehupenyu hwako hwekutarisira, uchisiya huwandu hwekambani kuti hurambe huchikura mukukwereta kwemitero . Inowanzozonzi " Stretch IRA ." Kana iwe uri muduku kudarika murairi weIRA uye iwe unogona kusarudza sarudzo iyi, ipapo iwe unogona kukwanisa kugadzira dendere rakanaka dhi rako pachako. Nezvo zvakati, iwewo uchakwanisa kutora zvinopfuura kudyidzana kwako kwakaderera kune chero gore rakapiwa kana iwe uchida kuita saizvozvo. Sezvo nechisarudzo # 1, imwe nhamba yekugoverwa inotorwa ichabatanidzwa mumutero wako wekutengesa mukati megore mari yacho inotorerwa. Kuti usarudze izvi, iwe unofanira kuisa imwe nhoroondo yeIRA yakagadzirirwa muzita remufambisi weakafa nekuda kwebatsiro rako uye tora kutanga kwako kugoverwa kunotarisirwa musi waDecember 31 wegore rinotevera gore rekufa komubhadhari. Semuenzaniso, nhoroondo yeIRA inotora nhaka yaizoti "John Doe, IRA (akafa) 1/1/13), FBO Sally Doe, mutsigiri." Uyewo, iwe unogona kukwanisa kutaura zita rako rokutanga uye rechipiri kana iwe uchifa uye mari ichiripo muIRA yako yakagara nhaka.
Chokusarudzwa # 3 - Tora Zuva Rokuparidzirwa Rinodikanwa Pamusoro peVaduku Mupabatsiri Woupenyu Husingatarisiri . Iwe, semunhu asiri muwanano weIRA anobatsira, angakwanisa kutora zvakaderera kugoverwa pamusoro pehutariro hwehupenyu hwemupi mukuru weRAI. Ichava chigumisiro kana muridzi weiyo weIRA ane zita rinopfuura rimwe chete anobhadhara IRA yavo uye akaparadzanisa zvikwereti zveIRA zvakagara nhaka hazviwanikwi kune mumwe weIRA anozobatsirwa naDecember 31 wegore rinotevera gore rekufa kwemugadziri webhuku. Sezvakasarudzwa nenyaya # 1 ne # 2, kugoverwa kwega kwega kunotorwa kuchabatanidzwa mumutero wako wekutengesa mugore rose gore mari yacho inodzingwa.
Sarudzo # 4 - Cash Kubva IRA Pakarepo . Iwe, semunhu asiri wekaro IRA anobatsira, anogona kubvisa 100% yeAIDS account nokukurumidza ndokuisa mari yacho muhomwe yako.
Kana ukasarudza sarudzo iyi, ipapo 100% yekambani ichabatanidzwa mumutero wako unotengesa mugore rekuregera. Kubva kusarudza sarudzo iyi kunogona kukupinza mubhaketi yepamusoro yepamusoro , ichave yakakosha kuti usashandise mari yose mukati megore ravanenge vadzorerwa uye panzvimbo iyo kuisa mari yakakwana yekubhadhara mutero wemutero. Kana zvisina kudaro, unogona kuzviwana uri mumatambudziko ne IRS.
Chii Chinoitika Kana Iwe Usaita Chinhu?
Mako December 31 wegore rinotevera gore rekufa kwemurairi weIRA panyaya yako yekare nokuti iwe uchada kusarudza zvokuita neIra yako yakagara nhaka kana kuti isati yasvika. Kana iwe usingaiti chero chinhu chinoenderana nezuva rino, ipapo Chitsauko # 1 chakanyorwa pamusoro apa chichava chikonzero, uye iwe uchadikanwa kubvisa zvinhu zvose kubva kuIRA account pakupera kwegore rechishanu mushure megore rekufa kwemurairi weIRA.
Chii Unofanira Kuita?
Kana iwe wakagara nhaka yeIRA, zvino chinyora, tapota usabvunza IRA mutarisiri wezano pamusoro pekuita nefa rako, uye ndapota, tapota usangotora mari 100% yemari nokukurumidza. Pane kudaro, chinonoka pasi, tora kufema kwakadzika, wozobvunzurudza mutongi wenhepfenyuro yemuzinda , muteresi wemutero , uye mutungamiri wezvemari kuti aone kuti ndeipi nzira ichashanda yakanakisisa mumamiriro ako ezvinhu.