ʻO nā palena makahiki IRA e pili ana i nā IRA kahiko, akā,ʻaʻole i Roth IRA.
ʻO ka palena palena kiʻekiʻe no nā IRA Contributions
- ʻIke IRA: ʻAʻohe kūlana makahiki kiʻekiʻe e hāʻawi i kahi haʻawina i kahi Roth IRA. Ua loaʻa iāʻoe ka loaʻa kālā. No laila, ināʻaʻoleʻo kāu a me kāu hoa e hana nei,ʻaʻole hiki iāʻoe ke hoʻohui i kahi Roth no ka makahiki.
- IRA Ihana: No ka IRA maʻamau, i ka manawa āu i hiki ai i ka makahiki i lilo aiʻoe i 70 mau makahiki ½ iʻoleʻoe eʻae hou aku e hana i kahi kōkua IRA tradition.
ʻAʻohe IRA Makahiki Makahiki ma IRA Rollovers aiʻole hoʻololi
Mai kānalua i nā waiwai IRA me kahi IRA rollover a transfe r paha. Manaʻo kekahi poʻe no ka haʻaleleʻana i kaʻikeʻole hikiʻole iā lākou ke wehe i kahi pūnaewele IRA a laila hoʻololi i kā lākou uku peniho a 401 (k) i ka papahana no ka IRA no ka meaʻoi aku ka lōʻihi o ke kaʻina o ka IRA. ʻAʻole hewa kēia!
ʻO ka haʻawina IRAʻaʻole ia he mea like me ka holo aku IRA a IRA paha. Ke hoʻoiliʻoe i ke kālā mai kahi hoʻolālā hoʻokele o kaʻahahui, e like me 401 (k) a 403 (b), i kahi IRA, i kapaʻia he'elō. Hiki iāʻoe ke hana i kēia ma nā makahiki. Ke hoʻoiliʻoe i kālā mai kahi IRA i kekahi IRA ua kapaʻia ia he'ilike IRA a hiki iāʻoe ke hana i kēia ma nā makahiki.
ʻO ke kālā he kālā hou,ʻaʻole i loaʻa mua i ka heluʻauhauʻauhau, a ke kau neiʻoe i ka IRA.
ʻO ka palena makahiki kiʻekiʻe ma luna o nā IRA Kūlohelohe wale nō e pili i nā haʻawina wale nō; ʻaʻole i nā wāwae a i nā hoʻololi.
Wahi a ka IRS Retirement Plans Page, "ʻAʻole hiki iāʻoe ke hāʻawi i nā makana i kahi IRA kahiko i ka makahiki āu e hiki ai i ka 70½ a me ka makahiki. Eia nō naʻe, hiki iāʻoe ke kōkua pū i kahi Roth IRA, a hana i nā kākoʻo i kahi Roth a iʻole ka IRA kahiko no nā makahiki. "
Mai kānalua i ka hoʻololiʻana o Roth me nā makana . ʻAʻole he palena makahiki ma luna o kāu hiki ke hoʻololi i nā waiwai IRA kahiko i kahi ROTH IRA . Hiki iāʻoe ke hana i kēia ma nā makahiki.
ʻO Spousal IRA Nā Kōkua
ʻAʻoleʻike ka poʻe he nui hiki iā lākou ke hāʻawi aku i kahi waiwai waiwai i kekahi IRA no ka hoa hanaʻole a hiki i ka manawa i loaʻa ai iāʻoe kekahi kālā i loaʻa.
Eia kekahi lā, e noʻonoʻoʻoe ua hōʻeaʻoe i ka palena makahiki IRA o 70 ½ aʻaʻole hiki ke kōkua, akā heʻoi aku kāu male ma mua ou. Pono e hiki iāʻoe ke hana i ka mea i kapaʻiaʻo kahi waiwai Spousal IRA i kā lākou IRA Iā, e hiki ai iāʻoe ke hoʻohana i ka hoʻoihoʻauhau no ka haʻawina IRA. Hāʻawiʻia nā haʻawina IRA no Roth IRA.
Ka palena palena palena palena no ka IRA mau haʻawina
ʻAʻole he palena palena palena palenaʻole e hiki ai ke hāʻawi i kekahiʻano kōkua IRA. Akā, ke kūponoʻoe e hana i ka hāʻawi IRA, ua loaʻa iāʻoe ke kālā i loko o kahi kālā i like aʻoi aku paha ma mua o ka nui o kāu haʻawina IRA. ʻO ka loaʻa kālā kālā he kālā i manaʻoʻia he uku makahikiʻauhau - ka uku mai ka uku āu i hana ai.
No nā keiki'ōpio,ʻoiai,ʻo ke kālā i loaʻa mai i nā hana o ka hale,ʻaʻole heluʻia,ʻoiai aia he mau mea e hiki ai i nā kamaliʻi ke loaʻa ka nui e hiki ai i nā mākua ke kālā i kahi Roth no lākou.
Nā'Iʻa aʻe IRA e pili ana i ka pili
ʻElua mau kānāwai i pili i ka makahiki IRA e pono ai i nā mea mālama pūnaewele IRA eʻike.
1. Makahiki 59 ½:ʻo kēia ka makahiki e hiki ai iāʻoe ke komo i kāu kālā IRA a lawe i nā hōʻai'ē aʻaʻole hoʻi e hoʻokomo i kaʻauhau hōʻeuʻeu IRA. Eia naʻe, e pili ana kaʻauhauʻauhau kālā maʻamau. Ke pili nei kēia māhele 59 me ka hapalua ākea ma mua i ka IRA. Hana maikaʻiʻo IRA i kahiʻano'ē aʻe. Me kahi Roth, hiki iāʻoe ke hoʻokuʻu i kāu mau kōkua i kēlā me kēia manawa me ka palenaʻole o ka makahiki - akā, inā hoʻokaʻawaleʻia nā'āpana kālā a iʻole nā hoʻololiʻana, e hoʻoholoʻia nā palena manawa a iʻole nā palena manawa e hoʻoholo ai i kahi hapa e auhauʻia.
2. Makahiki 70/12:ʻo kēia ka makahiki e hoʻomaka aiʻoe e lawe i nā unuhi mai nā IRA tradition a me nā kālā hoʻolimalima hoʻomaha maikaʻi loa (e like me 401 (k) s, 403 (b) s, SEP, a me nā mea'ē aʻe).
Ke kapaʻia nei kēia mau hōʻaihoʻiʻana i ka mea i hāʻawi ponoʻia . E piliʻole nā rula o nā māhele kaulike i ka Roth IRA oiaiʻoe e ola nei, akā naʻe, pili lākou i nā Hōʻike Kūpono Rote i hāʻawiʻia i loko o kahi papahana 401k, a hoʻopili lākou i nā kālā i loaʻa iā ROT IRA.