Sida Noloshaada u Saameynayso Saameynta Ugu Yar ee Ugu Yar ee Loo Baahan Yahay (RMDs)
Shuruudahan waxaa loo gudbiyaa sida ugu yar ee looga baahdo , ama xeerarka RMD.
Waqtiga loo baahan yahay Taariikhda bilowga ee RMDs
Laga bilaabo 1-da Abriil ee sannadka soo socda ee aad gaarto 70½, waxaa lagaa rabaa sharci ahaan in uu bilaabo inaad qaadato Qaybinta Ugu Yar ee Loo Baahan yahay (RMD) 401 (k) , IRA-da dhaqanka , ama qorshe hawlgab kale oo tayo leh sannad kasta. Lacagta ugu hooseysa waxaa lagu xisaabiyaa iyadoo lagu saleynayo isu-geynta bilawga ah ee koontooyinkaaga u-qalanta sida bilowga sanadka cashuurta ee loo qaybiyey rajada nolosha.
Xeerarka Qaybinta Ugu Yar ee Loo Baahan Yahay
Shuruudaha qaybinta ugu yar ee loo baahan yahay (RMD) ayaa jira sababtoo ah canshuuraha canshuurta ee ay bixiso qorshooyinka hawlgabka ee tayada leh. Qorshayaasha aqoonta leh sida qorshaha 401 (k), IRAs dhaqameedka iyo SEP IRAs waxay bixiyaan cashuurta canshuurta ee ku darsada waxtarka (illaa xadka) iyo sidoo kale kobaca canshuur celinta ee dakhliga ku soo gala. Dhiirashadan iyo faa'iidooyinkan maaha kaliya inay ku dhiirrigeliyaan dadka in ay kaydiyaan hawlgabka maanta, laakiin sidoo kale waxay kordhiyaan kororka guud ee hantida hawlgabka ee berri.
Laakiin, ugu dambeyntii, IRS waxay dooneysaa in ay qayb ka mid ah lacagtaas.
Taasi waa meesha sharciyeynta RMD. RMDs waxay si dhab ah u hubinayaan in IRS ay ugu dambeyntii helayso canshuuraha xisaabaadkaaga hawlgabka adiga oo ubaahan in aad qaadato qaybinta lagu dari doono dakhligaaga canshuuri ee sanad walba. Shuruudaha ugu badan ee hawlgabka, sharciyada RMD ma saameyn gaar ah ku yeelanayaan sida ay u isticmaalaan macaashka hawlgabka, maaddaama inta ugu badan ee hawlgabku bilaabaan samaynta koontooyinkooda si ay u helaan dakhliga hawlgabka ka hor 70½ sano.
Laakiin si loo hubiyo inaadan khatar gelin doonin canshuurta 50% ee canshuurta jeegaga ah haddii qiimeyn RMD aan wakhtigeeda la qaadin, waxaad u baahan doontaa inaad ogaato qadarka RMD-gaaga shakhsi ahaaneed.
Sida Loo Baahan Yahay Ugu Yaraan Loo Baahan Yahay
Qaybinta ugu yar ee aad u baahan tahay (RMD) waxaa lagu xisaabiyaa iyadoo lagu saleynayo isu-geynta bilawga dhammaan dhammaan xisaabaadka hawlgabka ee kugu haboon iyo aad rajeyneyso nolosha. In kasta oo ay hayaan mas'uuliyadaha qorshe-bixineed badan ayaa kuu siin doona RMD-kaaga xisaabtanka, lagama rabo, sidaas darteed waxa ugu wanaagsan haddii aad awooddo inaad xisaabiso naftaada.
Si aad u xisaabiso RMD-gaaga sannad, waxa aad qaadan doontaa xisaab-celinta dhammaan xisaabaadka hawlgabnimada hawlgabka (401 (k), IRA-da dhaqanka, SEP IRA, SIMPLE IRA, iwm) 31-kii Diseembar ee sannadkii hore iyo ku dar wada jir. Kadib, waxaad si fudud u qeybineysaa wadartaas saamiga rajadaada nolosha. Sidee baad u aragtaa arinkaaga nolol maalmeedkaaga? Waa inaad la tashataa jadwalka unugga Nabadgelyada ee WSL.
Aan u maleyno in hal qof uu u soo jeestay 70 1/2 ee sannadka 2018 oo uu leeyahay isku-dhafka IRA oo dhan $ 274,000 maalinta ugu dambeysa ee 2018. Shakhsi ahaan, qofkani wuxuu isticmaali doonaa qodobka qaybinta ee laga helo daabacaada IRS 590. Qaybinta qaybinta ayaa noqon doonta 27.4 iyagoo rajeynaya inay weli noqon doonaan 70-ka maalinta ugu dambeysa ee 2018.
Sidaa daraadeed, 2018 RMD waa $ 10,000 ($ 274,000 / 27.4), waxayna haystaan illaa Abriil 1-deeda inay u qaybiyaan ugu yaraan lacagtan. Waxaad xisaabin kartaa qadarka RMD-ga adiga oo isticmaalaya waraaqaha waraaqaha RMD ee laga helo website-ka IRS.
IRA Waa Loo Baahan Yahay Shaxda Ugu Yar ee Maqnaanshaha
Root IRAs M AAD Looma Bixin Xeerarka RMD
Inkastoo xeerarka IRS ay u baahan yihiin inaad qaadato RMD-yada Roth 401 (k) s, Roth IRAs-kaaga looma baahna qaybinta ugu yar ee loo baahan yahay. Roth IRAs waxay leedahay shuruudaha qaybinta ugu yar.
Shaxda Saadaasha Nolosha Nolosha ee IRS
Si loo go'aamiyo arinkaaga nolol maalmeedkaaga, IRS wuxuu abuuray Jadwalka Loo-Qiyaasidda Nolosha ee soo socda. Ilaa iyo haddii xaaskaagu yahay ka-faa'iideystahaaga kaliya oo aad ka badan tahay 10 sano ka yar, tan waa miiskii loo isticmaali lahaa Taas oo sheegay, haddii xaaskaagu uu ka yaryahay toban sano ama ka badan da 'yar, isticmaal miisaska la wadaago iyo kuwa ka badbaaday.
| Miisaanka Nabadgalyada Labbiska | |
|---|---|
| Dadaada | Rajeynta Noloshaada |
| 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 |
| 91 | 10.8 |
| 92 | 10.2 |
| 93 | 9.6 |
| 94 | 9.1 |
| 95 | 9.6 |