Cawaaqibka Canshuurta Dakhliga ee Lammaanaha Badbaadinta Lagu Qaadayo IRA ama 401 (k)
Lammaanaha nool ee haysta wuxuu si weyn u dabacsan yahay waxa isaga ama iyadu ay ku sameyn karto IRA ama 401 (k). Doorashooyinka waxaa ka mid ah kuwan soo socda:
- Kursiga xisaabtanka ee koontada howlaha hawlgabka ee noolaanshaha - Xaaladaha qaarkood, lammaanaha ka lumay ayaa si fudud u dooran doona IRA ama 401 (k) koontadiisa ama hawlgabkeeda. Haddii ay tani tahay kaddib, dhammaan canshuurta dakhliga soo noqnoqda ee la xidhiidha IRA ama 401 (k) ayaa sii wadi doona in dib loo dhigo ilaa inta xaaska nool ay ka baxayaan koontada. Taas ka sokow tan, xaaska noolaantu wuxuu awoodi doonaa inuu isticmaalo rajadiisa noloshiisa ama noloshiisii loo baahnaa si uu u qaato ugu yaraan qaybinta loo baahan yahay wuxuuna sidoo kale awoodi doonaa inuu doorto cidda helaysa koontada ka dib marka ay isqabaan saygaaga nool.
- Kala doorashada koontada sida lammaanaha lamaanaha ah - Faa'iidooyinka noocan ah doorashadu waxay si siman u shaqeeyaan xaaladda xaddidan ee lamaanaha ugu horeeya uu u dhinto ka hor da'da 70 1/2 iyo lammaanaha sii noolaanaya waxay ka yar yihiin da'da 59 1/2 iyo dhowr sano oo ka yar da'da lammaanaha dhintay. Xaaladdan, lammaanaha ka badbaaday waxay awoodi doonaan inay dib u dhigaan qaadashada qaybi-gelinta ugu yar ee loo baahan yahay ilaa inta lammaanaha dhiman lahaa loo baahan lahaa in ay qaataan oo wali awoodi karaan inay lacagta ka qaataan xisaabta iyadoon ku dhicin 10% horaantii ciqaabta ka baxsan . Kadib, marka hal xaasle ka badbaado uu gaaro da'da 59 1/2, isagu ama iyadu waxay xisaabtamaan koontada xisaabteeda hawlgabka. Iyadoo koontada weli la tixgelinayo xisaabta lammaanaha dhintay, lammaanaha sii noolaanaya waa inay doortaan cidda helaysa koontadan haddii lammaanaha sii noolaanaya ay dhinto ka hor inta aysan gaarin 59 1/2.
- Maalgelinta koontada A ama B Trust oo lagu aasaasay qorshaha dhaxalka hantida qofka dhintay - Haddii IRA ama 401 (k) ay noqoto qayb ka mid ah lamaanaha A ama B lammaanaha dhintay sababo la xidhiidha ka- faa'iideystaha iyo / ama ka-reebaha qofka la nool , ka dibna canshuurta dakhliga ayaa wali dib loo dhigayaa ilaa inta xaaska nool ay ka baxayso koontada. Laakiin marka xisaabtu ay qayb ka noqoto A ama B Trust, lammaanaha ka badbaadaya ayaa laga rabaa inay bilaabaan qaadashada ugu yaraan qaybinta lagu xisaabtamo mudnaanta nolosheeda ama nolosheeda. Sidoo kale, xaaska noolaantu ma awoodi doonaan in ay baddalaan ka-faa'iideystayaasha koontada ka dib markii xaaska noolaantu ay dhinto.
Cawaaqibka Canshuurta Guryaha ee Lammaanaha Badbaadinta ah Maareynta IRA ama 401 (k)
Inkasta oo 100% qiimaha suuq-geynta ee IRA ama 401 (k) lagu dari doono qiimaha hantida dhaxalka ee dhaxalka ujeedada canshuurta, sababtoo ah labada isqaba waxay ka tagi karaan hantida dhimashada midba midka kale oo bilaash ah canshuurta hantida sababtoo ah guursan la'aanta guurka , lammaanaha dhintay ee hantida dhintay lama xisaabin doono canshuurta hantida ee IRA ama 401 (k). Taa baddalkeeda, marka lammaanaha sii noolaanaya ay dhimato, 100% qiimaha suuqa caddaalad ah ee IRA ama 401 (k) taariikhda dhimashada xaaska ayaa lagu dari doonaa hantida nool ee ka dhaxaysa haddii xaaska / seyga la doorto oo lagu soo doorto IRA ama 401 (k) oo ku jira xisaabtooda ama isticmaalaan si ay u maalgaliyaan A Trust. Dhinaca kale, haddii IRA ama 401 (k) loo isticmaalay in lagu maalgeliyo B Trust, ka dib IRA ama 401 (k) laguma darayo hantida nool ee xaasaska.
Cawaaqibta Canshuurta Haddii aadan aheyn xaaska / seygaaga
Cawaaqibka Canshuurta Dakhliga ee Maqal-galinta IRA ama 401 (k) haddii aadan ku nooleyn xaaska / seyga
Haddii aadan ahayn xaaska noolaha ka ah ee IRA ama milkiilaha 401 (k), canshuurta dakhliga ee hantida xisaabtu waxay ku xiran tahay waxa aad dooranayso inaad ku sameyso:
- Kala wareeji koontada IRA - Haddii aad dooranayso inaad koontada ku wareejiso IRA-da dhaxlaysa, markaa waxaa lagaa doonayaa inaad bilawdo qadarka ugu yaraan ilaa bisha December 31-deeda ka dib dhimashada milkiilaha geeriyooday, rajada nolosha. Waxaad sidoo kale qaadan kartaa qadaro dheeraad ah haddii loo baahdo. Mar kasta oo la qeybiyo qaybinta, looma baahna ama ma ahan, qadarka qaybinta waxaa lagu dari doonaa dakhligaaga canshuuriga ah. Laakiin ogow in hadda jira 401 (k) s, u wareejinta koontada IRA-da dhaxalkeeda maaha ikhtiyaarka sababtoo ah siyaasadaha shirkadda sii wadaysa qorshaha. Si kastaba ha noqotee, Sharciga Dib U Celinta Shaqaalaha, Shaqaalaha iyo Shaqaaleynta ee 2008 (ama WRERA) wuxuu u baahan yahay dhammaan loo shaqeeyayaasha in ay bixiyaan ikhtiyaarkan Janawari 1, 2010.
- Kaashka xisaabta gebi ahaanba - Haddii aad doorato doorashadan, ka dibna 100% qaybintaada ayaa lagu dari doonaa dakhligaaga la canshuuri karo .
Cawaaqibta Canshuurta Guryaha ee Dhaxusha IRA ama 401 (k) haddii aadan aheyn mid ka badbaado xaaska / seyga
Qiimaha suuqa oo dhan ee IRA ama 401 (k) ayaa lagu dari doonaa qiimaha hantida mulkiilaha ee ujeedada canshuurta guryaha . Sidaa daraadeed, haddii dhammaan hantida kale ee milkiilaha ee hantida kale ay la socoto qiimaha IRA ama 401 (k) oo ka sareeya bixinta canshuurta miisaaniyadeed ee federaalka ah ama gobolka ee gobolka , markaa milkiilaha dhintay ayaa lahaan doona canshuurta hantida.
Maxaa dhacaya haddii IRA ama 401 (k) loo baahan yahay inay bixiyaan canshuurta guryaha?
Haddii milkiilaha milkiilaha dhintay uu canshuuri karo, laakiin ma laha hantida ku filan oo ka baxsan IRA ama 401 (k) si ay u bixiso biilka canshuurta hantida, ka dibna tani waxay dhibaato weyn u tahay ka faa'iideystaha IRA ama 401 (k).
Waa maxay sababta? Sababtoo ah ka-tagitaanka kasta ee ka socda IRA ama 401 (k) wuxuu dhalin doonaa qadarka lacagta lagaa jaray oo lagu daray dakhliga cashuurta ee ka-faa'iideystaha. Iyo waa haddii ka-faa'iideyste u baahan yahay inuu qaato lacag caddaan ah oo ka baxsan xisaabta si uu u bixiyo biilka canshuurta dakhliga ee kordhaya? Waxay ku dhalinaysaa canshuur dheeraad ah oo ku saabsan xaddiga lacageed. Natiijada kama dambaysta ah waxay noqon kartaa mid dhaqaale ahaan u burburisa dadka aad jeceshahay - laga bilaabo 50% ilaa 90% koontada hawlgabka ee lumay canshuuraha iyo canshuuraha dakhliga. Habka kaliya ee looga hortagi karo waa in la hubiyo in hantidaadu haysato lacag caddaan ah ama hanti kale oo dheellitiran oo ka baxsan xisaabta hawlgabka si ay u bixiso biilka canshuurta hantida.