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Yog tias koj so haujlwm thiab tsis tau ua qhov tsim nyog peb lub hlis twg kwv yees them se rau xyoo 2022, tseem yuav muaj sijhawm los zam kev nplua lig, cov kws tshaj lij hais.
Cov neeg so haujlwm yuav tsum xa cov nyiaj them se plaub zaug hauv ib xyoos yog tias lawv tsis them nyiaj txaus los ntawm Social Security, nyiaj laus, kev nqis peev lossis lwm yam nyiaj tau los.
Txawm li cas los xij, rau qee cov neeg so haujlwm, muaj lub sijhawm los kho cov nyiaj them poob haujlwm dhau los yuav tsum tau faib yam tsawg kawg nkaus, lossis RMDs, them txhua xyoo thaum muaj hnub nyoog 72. (Koj RMDs yuav tau pib yog tias koj muaj 70 xyoo thiab ib nrab ua ntej Lub Ib Hlis 1, 2020.)
Ntxiv ntawm Nyiaj Txiag:
Nov yog li cas cov kws pab tswv yim pab cov neeg siv khoom txiav lawv daim nqi se 2022
Daim nqi Bipartisan lub hom phiaj txhawm rau kho qhov yuam kev rau npe rau Medicare
Cov neeg Amelikas raug kev txom nyem los ntawm 'kev qaug zog poob qis,' tsab ntawv ceeb toom pom
Muaj ob peb txoj hauv kev rau kev ua tiav hauv ntiaj teb cov se, kev txiav tawm yog "daim npav zoo me me kom rov qab mus thiab kho cov khoom," said Marianela Collado, CEO ntawm Tobias Financial Advisors hauv Plantation, Florida. Nws kuj yog ib tug muaj ntawv pov thawj pej xeem accountant.
Piv txwv li, yog tias koj xav tau rho tawm $ 75,000 los ntawm tus kheej cov nyiaj laus thaum lub xyoo xaus kom txaus siab rau koj RMD rau xyoo 2022, koj tuaj yeem kwv yees lub xyoo tag nrho ntawm tsoomfwv thiab lub xeev lav ris thiab tuav cov nyiaj los ntawm koj RMD. Yog tias koj kwv yees koj tseem tshuav $ 5,000 hauv cov se kom tau raws li cov kev lav phib xaub uas kwv yees peb lub hlis twg, koj tuaj yeem xaiv txiav cov nyiaj ntawd, xa mus rau IRS thiab tau txais $ 70,000 rho tawm ntxiv.
"Cov tib neeg tsis paub qhov no, tab sis koj tuaj yeem muaj 100% txiav tawm" los ntawm kev xa tag nrho RMD mus rau IRS, Collado tau hais.
Koj tuaj yeem ua tiav qhov no los ntawm Lub Kaum Ob Hlis 31, thiab nws tau suav tias yog "pro rata" rau txhua lub hlis twg, txhais tau tias nws suav tias yog cov nyiaj them raws sijhawm los ntawm txhua lub sijhawm kawg, piav qhia JoAnn May, CFP thiab CPA uas tau tsim Forest Asset Management hauv Berwyn, Illinois . Nws tau hais tias "Qhov ntawd yog qhov zoo uas kuv ua rau ntau tus neeg siv khoom qub," nws hais.