传统的IRA提现规则

传统的爱尔兰共和军s can be a smart solution to increase your tax-deferred retirement savings.

与传统的, 展期, 9月, 或者简单的爱尔兰共和军, you make contributions on a pre-tax basis (if your income is under a certain level and certain other qualifications) and pay no taxes until you withdraw money. IRA withdrawal rules and penalty details vary depending on your age.

59岁½ and under: Early IRA withdrawal 处罚—with some exceptions

Your deductible contributions and earnings (including dividends, 感兴趣, and capital gains) will be taxed as ordinary income. 美国.S. government charges a 10% penalty on early withdrawals from a 传统的爱尔兰共和军, 州税务处罚也可能适用. You may be able to avoid a penalty if your withdrawal is for:

首次购房 一些类型的房屋购买是符合条件的. Funds must be used within 120 days, and there is a pre-tax lifetime limit of $10,000.
教育费用 Some educational expenses for yourself and your immediate family are eligible.
残疾或死亡 If you're disabled, you can withdraw IRA funds without penalty. If you pass away, there are no withdrawal 处罚 for your beneficiaries.
医疗费用 You can avoid an early withdrawal penalty if you use the funds to pay unreimbursed medical expenses that are more than 7.你经调整的总收入的5%.
出生或领养费用 新父母现在最多可以提取5美元,000 from a retirement account to pay for birth and/or adoption expenses penalty-free.
健康保险 If you're unemployed for at least 12 weeks, you may withdraw funds to pay health insurance premiums for yourself, 你的配偶, 或者你的家属.
定期支付 You can avoid an early withdrawal penalty if you choose to receive your funds on a regular distribution schedule1.
无意识的分布 If a distribution is the result of an IRS tax levy, IRS Form 5329 explains how to claim your penalty exception.
预备役分布 Members of the National Guard and reservists can take penalty-free distributions if they are called to active duty for at least 180 days. 一些限制.

59岁½ and over: No withdrawal restrictions

一旦你到了59岁半, you can withdraw funds from your 传统的爱尔兰共和军 without restrictions or 处罚. You can make a penalty-free withdrawal at any time during this period, but if you had contributed pre-tax dollars to your 传统的爱尔兰共和军, remember that your deductible contributions and earnings (including dividends, 感兴趣, and capital gains) will be taxed as ordinary income. In other words, you will now owe the taxes that you originally deferred. You can keep taking advantage of tax-deferred contributions regardless of your age, 只要你有收入. 但, you will be required to start taking 所需的最低分布 for the year you turn age 72. 了解更多关于传统IRA规则.


Age 72 and over: Required Minimum 取款 are mandatory

一旦你72岁, you must start taking annual 所需的最低分布 (限制型心肌病) from your 传统的爱尔兰共和军. Your first RMD must be taken by April 1 of the year following the year you reach age 72. Every year thereafter you must take an RMD by December 31. The amount of your RMD is calculated by dividing the value of your 传统的爱尔兰共和军 by a life expectancy factor, 是由美国国税局确定的. You can always withdraw more than the RMD, but remember that all distributions are taxed as income. 如果你不取钱, you’ll have to pay a 50% penalty on the amount you should’ve withdrawn. 了解更多关于 限制型心肌病.

下一步

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1 施瓦布 does not currently perform these substantially equal periodic payment (72(t)) calculations. 你应该找个税务顾问谈谈. Find more information on these calculation methods in IRS Revenue Ruling 2002-62.

This tax information is not intended to be a substitute for specific individualized tax, 法律, 或投资规划Advice. Where specific advice is necessary or appropriate, 施瓦布 recommends that you consult with a qualified tax advisor, 注册会计师, 理财规划师, 或投资经理. Depending on the type of account you have, 提款有不同的规则, 处罚, 和分布.  Please understand these before opening your account.
 


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