Chii chinonzi self Direct inotungamirwa IRA?

Bhizinesi kutanga-kumusoro uye yega mali yekudzivirira masevhisi.

Wana Kubatanidzwa

Chii chinonzi self Direct inotungamirwa IRA?

Iyo I-Iga Inotungamirwa IRA ndeye munhu pamudyandi account iyo inokupa iwe wakawanda weruzivo rwekudyara sarudzo pane yakajairwa IRA muchengeti anotendera. Vakawanda veIRA vatariri vemabhangi kana masheya broker. Vanongobvumira mota dzekudyara dzinozvipa dzoga mari. I-self-inotungamirirwa IRA, kune rumwe rutivi, ine mutariri uyo anokubvumidza iwe kuti uise yako IRA mune yakawanda yakawanda seti sarudzo dzinotenderwa pasi pe IRS kodhi.

Vazhinji maIRA ekuchengetedza vanongobvumira kuisa mari mumatura, zvisungo, mari dzinoenderana uye maCD. A self-inotungamirwa IRA yekuchengetera inobvumira iyo mhando dzekudyara kuwedzera kune real estate, zvinyorwa, zvakavanzika kuiswa, mutero lien zvitupa uye zvimwe zvakawanda.Vazhinji vanhu vanobatsirwa kubva mumaficha e kuzvitungamira IRA.

Pane zvimwe zvakanakira kuve nechako chivakwa chine rimwe kana mazhinji ma MDS, akadai sekudzivirirwa kwepfuma uye kushandisika kushanduka. Iyi gadziriro inokoshesa kune avo vanonyatsoda kuve nehutongi hwe Investment portfolio yavo. Vagadziri vakadaro vanogona kuwedzera mwero wekudzoka kwavo, kudzikisa mari, uye kuvapa kugona kuita zvisarudzo nekukurumidza kwekudyara.

Ichi hachisi chinhu chitsva. Vagadziri vane ruzivo rwekuzvitungamira mari dzekutengesa mumisarudzo yavo yemitambo uye vanokohwa mutero usingabhadharwe mutero kubvira 1974. Mumakore ekupedzisira e10 kana zvakadaro, iyo yekuzvimiririra yekuisa mari yekushandisa yakagamuchira iyo yekupedzisira mukushanduka, iyo yekuve neyako uye nekutarisa Inorema Kambani Kambani.

Zvaunofanira Kuita

  • Vhura idzva yekuzvitungamira IRA uye ita yako IRA Limited Liability Company inoshanda zvakanaka
  • Govera mari yese iripo muaccount yako yekuzorora
  • Gadzira iyo nyowani LLC iyo iyo itsva IRa ine yavo (iyo ine yakanyatso nyorwa yekubvumirana kushanda chibvumirano)
  • Fambisa mari yese yeIRA muaccount yako yebhangi kuburikidza neIRA muchengeti
  • Chinyorwa LLC nhengo inhengo yekufarira chitupa chako

Nemafomu ari pamusoro apa wakasununguka kuisa mari yako pamudyandigere. Zviri nyore sekusaina cheki. Izvi zvinovhura mikova mizhinji kumikana yekudyara, yakadai seivakwa, goridhe, uye makambani akazvimirira. Zvese izvo IRS / DOL inoda ndeyekuti yako LLC inoenderana nemirairo yavo yese. Uyezve, iwe unofanirwa kuita mari dzinotenderwa. Semuenzaniso, iwe haugone kutenga zviri pamutemo imba yezororo kuburikidza neIRA yako uye zororo mairi. Iko hakuna kuzvibata. Semuenzaniso, iwe haugone kutenga zviri pamutemo imba kana imwe pfuma kubva kwauri iwe yagara iri yako. Kunyangwe paine kunze, aya mitemo ndeye ekudyara pamutemo. Ona ma IRS mirayiridzo.

Shandisa iyo nhamba iri papeji ino kana fomu yekubvunza kuti uende pamusoro pezvaunoda nemubvunzi.

Chii Chingaitwe neIRA LLC?

  • Ita nekukurumidza sarudzo dzekudyara: Kutenga zvakafanoratidzwa real estate zvivakwa muenzaniso wepashure wekutarisa yekukurumidza kumisa mari. Unogona kutora chiitiko chezvemari pasina muchengeti ari kuomesa maitiro kana kubhadharisa mari zhinji.
  • Chaizvoizvo, zviri pamutemo kuita zvakasiyana-siyana zvaunodyara: Unogona kushandisa yako mari yekuzorora kune yakawanda yemitero-yemahara yemikana yakanaka. Semuenzaniso, yako LLC inogona kuita pfupi-kana kwenguva refu kukwereta pazvivakwa, mota kana mabhizinesi, uye kubhadharisa yakakwirisa kupfuura echinyakare mekwereti echikwereti.
  • Chengetedza mari uye uve neanodonhedza kudzora: Unogona kutenga imba yekurenda, wozotarisa varimi vega wozvishandira pachezvako, uchidzivirira mari yekubhadhara mari.

Iwe wakasununguka kunyora cheki kubva kune yako bank bank account mune yekudyara sarudzo yako pasina mvumo yemuchengeti, kubhadharisa mari kana kushandisirwa mhosva zvichikonzera iyo inoshanduka zvakanyanya nguva yekudyara yekudyara chishandiso nemukana wakawanda, kutonga, kuchengetedza, uye kazhinji kazhinji - kukura kukuru kunogona .

Dzivirira IRA kubva kuDhivhosi

Dzivirira iyo IRA kubva kuDhivhosi

Vanhu vazhinji vane hanya nekuchengetedza avo maIRA kubva pakurambana. Patinogadzira chirongwa chekudzivirira sofa kune mumwe munhu ari kufunga kurambana, izvi ndizvo zvatinoita. Kutanga isu tinosimudza inozvitungamira IRA. Ipapo mutengi anoendesa pfuma kubva kuchirongwa parizvino kune inozvitungamira yeIRA yekuchengetera. Isu tinogadzira Wyoming LLC iyo iyo IRA ndeyayo. Mutengi anobvunza iyo inozvitungamira yeIRA muchengeti kuti aise mari iyo IRA inopfuurira muWyoming LLC. Iyo IRS inobvumira mumwe kuisa mari mukambani yakavanzika. Vazhinji makuchengeti haatenderi zviitiko zvakadaro nekuti havakwanise kukubhadhara masheya ekuchengetera masheya pakuita kudaro.

Tevere, tinosimudzira ruvimbiko rwemhiri kwemhiri nezvikamu zviviri. Chikamu A ndechezvinhu zvisiri pamudyandigere. Chikamu B ndeche mali yekuritora. Chikamu Ane chake offshore LLC. Iyo B chikamu ine imwe offshore LLC. Mutengi, sekusayina paWyoming LLC, anokanda mari yacho kune offshore LLC iri muchikamu chekuvimba. Iyo IRA ndiyo inowana mubatsiri weiyo chikamu chekuvimba. Kana kurwisa kwepamutemo kukaitika, mutemo wedu wekunze kwenyika unosimbisa matanho ekuchengetedza pfuma. Matare emunharaunda emutengi haana simba pamusoro pekambani yemutemo yekune dzimwe nyika. Saka, zvinhu zvacho zvinoramba zvakachengeteka uye zvakachengeteka. Izvo zvinhu zvinoramba zviri pasi peamburera yekuzorora, saka iyo mitero mibayiro inosara.

Heano mufananidzo wezve maitiro ekuchengetedza IRA kubva pakurambana. Mari dzinobva kune yazvino IRA muridzi .--> To Kuzvitungamira wega wakachengetera. ---> Unobvunza wega-Wakatungamirwa IRA muchengeti kuti aise mari yacho muchivande yakachengetedzeka Wyoming LLC iyo yako IRA ichave neyako (Kuzvitungamira wakachengeterwa haizoregi waya yekumahombekombe). ---> Iwe, seinosaina paWyoming LLC waya mari muakaunzi account yakachengetedzwa neNevis LLC. Iyo Nevis LLC ndeyekuti iyo chikamu chemudyandigere chekutengesa kwako kwakapfuura. -> Iwewo, unogona kuisevha mari yacho sezvaunoda mukati meakaundi rebhangi reNevis LLC.

Zvaunofanira Kuita

Izvo zvigadzirwa zveizvi zviri chaizvo zviri nyore. Iwe pachako unotungamira yako yazvino IRA mukudyara mune yakavanzika inobata LLC. Yako IRA ine zana remazana muzana emhindu yekambani yaunobata iyo inoisa muhomwe mari yako yekuzorora. Kune zvishoma mashoma uye kanenge kese kutengeswa kwakarambidzwa kunosanganisira kukwidza mari nebato rakanangana; bato rine hukama kuva iwe nemhuri yako yepedyo. Onai IRS mitemo for chaizvo tsanangudzo. Inenge nguva dzese dzakareba maoko ichaiswa mari uye pane nhamba dzezvipamutemo kunze kwayo dzinogona kuitwa. Taura kune mutambi ane rezinesi kana wekudyara mari nezve mamiriro ako kuti uwane rumwe ruzivo. Mukuwedzera, wako anozvitungamira IRA muchengeti anogona kubatsira kutungamira iwe.

Kumisikidza

Kumisikidza iyo IRA LLC ndeye yakapetana kuwanda kutapurirana; kutanga iwe unoda inozvitungamira IRA. Wobva waendesa IRA wako wekuchengetera mari kuti aise mari mune ichangobva kuumbwa LLC. Unovhura account yekubhengi iyo LLC. Pakupedzisira iwe unobhadhara iyo IRA LLC. Kana uchinge wapedza zvese izvi unogona kutanga kuzvitungamira nekudyara mari neakaundi yako yekuzorora.

Izvo zvakakosha kuti ubate zvese izvi zvinhu nenzira kwayo. Ndokunge, iwe unofanirwa kuve neshuwa kuti zvese zvezvibvumirano uye magwaro ekuumba zvakagadzirirwa iyo IRA. Uyezve, iyo IRA inoda kubhadhara kune iyo yose maitiro. Kana iye muridzi weIRA achibhadhara pachako chero izvi, account yese inogona kuve inorambidzwa kutengeserana. Iyo IRS miganhu pane izvi iri chaiyo ine zvakakomba mhedzisiro yekuwira kudivi rakasarudzika kwemitsara yakatengeswa yekutengeserana. Icho chakakosha kuti nyanzvi ine ruzivo inotungamira maitiro ako negweta kana anokwanisa kutungamira mutungamiriri wezano.

Dhizairo yeIRA LLC Inosanganisira Inotevera:

  • LLC Izita rekutarisa uye Reservation mukati meNyika Yako Sarudzo
  • Kugadzirira uye Dhizaina Zvako Zvinyorwa zveIpikisheni
  • Zvinyorwa Zvakanyorwa neNyika yaunosarudza
  • Rugwaro Package Kununurwa kuburikidza nePosita Chikero
  • Akanyoreswa Mumiririri Webasa
  • Yakakosha Corporation Chekutarisa
  • Yakazara Corporate Kit
  • Rapid Rugwaro Kufaira
  • S-Corporation Election Fomu
  • EIN Mutero ID Nhamba
  • Kupinda (Mutero) Kugadziriswa

IRA LLC Bhizinesi rekutarisa Akaunti

  • Kubatsira kumisikidza bhizinesi idzva rekutarisa account yeiyo ichangobva kuumbwa LLC

Kutsigira IRA LLC Inosanganisira Matanho Ekutevera:

  • Kuvhura itsva bank account yeIRA LLC
  • Kupa nhengo kufarira kune yako wega inotungamirirwa IRA
  • Kubvumidzwa kwechibvumirano chinoshanda
  • Kugoverwa kweiyo manejimendi LLC
  • Kubvumidzwa kwezvose zvinyorwa uye zvibvumirano
  • Kuendesa IRA mari

ONA: Aya maitiro ekuumba haafanirwe kuyedzwa pasina rubatsiro rwehunyanzvi.

Fonera nhamba iri papeji ino kana shandisa fomu yekubvunza kuitira kuti ubatsirwe.

A Self Directed IRA LLC ndipo apo self inotungamira IRA kutenga, kana kuisa mukati, kambani nyowani uye mune iyi kambani yakadzika mutoro kambani. Iyo Self Directed IRA inezve zvese zvayakanangwa dhayeti kambani, uye iwe muridzi weIRA, maneja iyo nyowani LLC. Ichi chigaro cheManair's chigaro chinopa chequebook kutonga uye chinovhura chitsva chitsva chemari yekudyara mukana wemari yako yekuritaya. Iwe unoita yako IRA account iyo inhengo (muridzi) weAlc uye iwe uchagadza maneja wekambani uyo anogona kugamuchira mupi wekubhadharwa kwemasevhisi. Maneja weAdvA achange achingoita mabasa ezuva nezuva ekambani sekuita zvibvumirano, wiring mari uye kusaina cheki sekurairwa. Izvo zvakakosha kuti iwe utsvage rubatsiro rwemhizha ruzivo nezve maitiro ekugadzirisa yako LLC uye manejimendi kuronga kune yako IRA.

Kune mirau, tsika nemirairo izvo zvinoda kuteedzerwa, kunyanya pakutanga kana uchinge uchinge uchinge uchimisikidza yako pachako inotungamirirwa IRA LLC. Kutanga uye pamberi pezvese, yako iripo yekuzvitungamira IRA ichave ichitenga zvikamu zveSRC, zvinoreva kuti yako IRA inofanirwa kuve yakatogadzirwa, iwe wozozvitungamira wega mari yekuzorora mune ino nyowani LLC.

Vanhu vazhinji havasarudze kutanga yavo pachavo inotungamirwa IRA LLC, vanotendeukira kumubatsiri nyanzvi yemutemo gwaro masevhisi kugadzirira uye kufaira kwavo.

Kugadzira Iro Kuzvitungamira IRA LLC inoda kuitwa nenzira yekudzivirira matambudziko emangwana. Izvo zvakakosha kuti kambani yako kugadzirwa uye pamudyandigere account account iitwe zvakarongeka uye mumhirizhonga neyakakodzera yemukati kambani inoshanda chibvumirano. Shanduko dzinogona kurambidzwa muchiitiko icho IRA kana LLC haina kusimbiswa uye kurongeka nenzira kwayo. Yakabhadharwa kutengeserana ndeyeAchilles tendon yekukohwa yakaderera mari uye mutero-yemahara yekudyara purofiti. Kana yako IRA LLC ichinge yauya pasi pe microscope, zvinogara zviri nani kuti sangano rako uye kugadzirwa kuve kwakaringana. Mutengo weIRA LLC sevhisi ndeyekuzvidzivirira kudzivirira matambudziko ezvisikwa izvi.

Shanduko dzinongoitirwa chete kune avo vari kubatsira chirongwa chemudyandigere uye hadzisi pakati pemapato chero asina kukodzera. Izvi zvinotsanangurwa pazasi, zvekufungidzira, ona IRS zvinyorwa pamapato asina mvumo;

  • Iye muridzi weIRA kana mukadzi wemuridzi
  • IRA muridzi wemhuri wemhuri, vana, vabereki, nezvimwe
  • Chinhu chinopfuura 50% inomiririrwa nemunhu asingakodzeri
  • Muridzi we10%, mukuru, director kana mushandi nhengo inomiririra munhu asina kukodzera
  • Iyo fiduciary yeIRA
  • Chero ani anopa mabasa kuIRA

Pazasi pane runyorwa rweakarambidzwa kutengeserana uye zvimwe zvinhu zvausingakwanise kuita neako kutungamirirwa IRA LLC:

  • Chengetedza mari yako yekuritaya mumusha waunogara izvozvi
  • Collateralize zvikwereti uchishandisa midziyo yomudyandigere
  • Kutengesa chako chivakwa kune IRA
  • Kubwereka mari kune vasingakodzeri
  • Kubhadhara iwe pachako mitengo
  • Kutenga macustomer
  • Kutenga hupenyu inishuwarenzi

Iko hakuna kumbove nekudikanwa kwekuita iyo inorambidzwa kutengeserana neyakaganhurirwa yekudyara mukana uyo wega wakananga IRA LLCs inopa. Iine chequebook kutonga pane yako mari yekuzorora, iyo yega inotungamirwa IRA LLC ndiyo yepamusoro pamudyandigere mota kune chero munhu anoda kwekupedzisira mukusiyana.

Real Estate yakakura kudhara pamwe nemari pamudyandigere uye IRA LLC. Iwe unokwanisa kuita nekukurumidza sarudzo senge chiito pane pfupi kutengesa uye unogona kuunganidza purofiti kuti ubatsirwe kubva pamudyandigere mutero-isina.

Mashandisiro Ainoita

Pano iwe unogona kufamba kuburikidza nemuenzaniso pane iyo IRA LLC inogona kushandiswa kune yakakwira mwero wekukura kwemari yekuzorora. Mashandisiro aungaita IRA LLC.

Iwe une madhora zana nemakumi mairi nemaviri mune yeIRA account uye sarudza kuti iwe unoda kuisa mari idzodzo muzvivakwa zvechokwadi iwe zvaunowana kuburikidza neemberi maficha. Saka, iwe unogadzira LLC ine chibvumirano chinoshanda inonyora iyo yega nhengo seakaundi yeIRA. Tevere, iwe uchaisa iyo kubhengi account yeiyo LLC uye nekuraira wako weIRA muchengeti kutumira iyo $ 150,000 muAdvisheni bank account.

Ne yako yakarongedzwa zvakanaka, yakaumbwa uye yakawana mari IRA LLC, unogona kusvetuka uchipinda mukati uye wozotora izvo zvinyowani zvekutengesa. Iwe unoshandisa $ 120,000 uye unowana dzimba ina, dzese dzinozotengwa uye kutumidzwa kune LLC iyo iri yako IRA. Unorenda chimwe nechimwe chivako kwemakore mashoma uye zvese zvinoshandiswa kubhadhara mari, mitero, inishuwarenzi nekugadzirisa zvinobhadharwa nekambani ichishandisa iyo bank bank account. Mari inowanikwa kubva kumubhadharo inoenda zvakananga kune iyo LLC. Sezvo iyo LLC iri yeIRA, iyo purofiti haina muripo. Sezvo mari yemutero isingabhadharwe inopinda, iyo LLC iri mukati meIRA yako inogona kutenga zvivakwa, goridhe, stock kana zvimwe zvinhu kuti uwedzere kusiana muparamende basa.

Kana imwe neimwe yemidziyo yako yekurendesa $ 500 mukuyerera kwemari ingangoreva kuti 16% kuwedzera mukubuda kwemari chete. Paunenge wagadzirira kutengesa dzimba, iwe unodzamisa zvigaro uye yako IRA inogona kuwana mari yakawanda-yemahara. Unotengesa dzimba dzako nemadhora 200,000 ayo anoendeswa zvakananga kune iyo bank bank account. Yako yekutanga $ 150,000 yakakura kusvika $ 272,000.

General Mitemo yeThumb yeIRA LLC Varidzi

Maitiro ekudzivirira anotambidzwa. Ivo veIRA LLC varidzi, mhuri, mukadzi kana mutsara wedzinza haafanire:

  1. Gamuchira zvivakwa kana kugoverwa kubva kuIRA LLC.
  2. Batsira kana kushandisa chero zvivakwa zveIRA.
  3. Bhadhara chero mari.
  4. Bhadharirwa mari kubva kuIRA.
  5. Ita chero basa rekutengesa.
  6. Ipa masevhisi, akadzikiswa kana kwete, kune IRA LLC.

Kana chero mari isiri ruoko rwehurefu iri kutariswa, unofanirwa kubvunza kune anokwanisa kutapurirana chipangamazano. Kune nzira dzakawanda kutengeserana kunogona kurambidzwa, mazhinji anosanganisira kusanganisa zviitiko uye mari neIRA LLC chivakwa. Kana usina chokwadi, bvunza CPA kana imwe nyanzvi inoshanda. Ingoita zviitiko iwe uine chokwadi chakabvumirwa.

Pane zvakawanda kuti varidzi veIRA vanzwisise pavanogadzira iyo LLC. Icho chakakosha chinangwa chekudyara mota inoda kunyatsogadzirwa. Chibvumirano chako chekushanda, chimiro chemutero, chimiro chevaridzi, masisitimu ekushandira ese anoshaiwa zvakakosha zveIRA. Sangano rakavimbika rinofanira kukuisira izvi.

AKA Real Estate IRA

Real Estate IRAs inobvumira varidzi veakaundi pamudyandigere kutenga zvivakwa neIRA mari, mutero-wemahara. Unogona kutenga zvivakwa nekukurumidza sekunyora cheki uye zvaunodyara hazvisi pasi pemvumo yekutarisirwa kana kubhadharisa mari. Iwe unogona kuita kubhadhara pasi uye kuwana zvisiri-nzira yekutengesa zvivakwa dzimba kuti uwedzere kukura kwekudyara kwako. Kugadzira iyo LLC kune Real Estate IRA kuronga kunogona kuchengetedza uye kukuwanira zviuru zvemadhora kana uchienzanisa nekushandisa yetsika inozvitungamira IRA muchengeti. Izvi zvinodaro nekuti unogona kuchengetera mari mumakambani asina kutengeswa pachena, makomisheni-akasununguka, akadai semakambani emitero akakosha. Uyezve iwe unogona kushandisa iyo LLCs iyo iwe yaunoshandisa kutenga real estate uye kumwe kudyara.

Iyo-yega inotungamira IRA LLC yakave ndiyo yekudyara mota yesarudzo yekutenga zvivakwa sechikamu sechikamu cheaccount yemunhu oga. Kungoita wega kutungamirirwa IRA LLC inokubvumidza iwe kusarudza iko kwekudyara mari yako. Iwe unogona kudzora iyo LLC cheki bhuku. Investment inowanikwa kwauri ndeyevhu zvibvumirano, dzimba dzimba, makondinendi zvirongwa, dzimba dzemhuri, kungodaita mashoma. Iwe unogona zvakare kutenga zvinyorwa, mutero liens, zviitiko zvemutero, zvekune dzimwe nyika kana zveimba real estate uchishandisa yako yega yakatungamirirwa IRA LLC.

Neine LLC kune yako yega yakatungamirirwa IRA, unogona:

  • Ita zvekutenga nekukurumidza - invest in real estate forecosures, tax licens kana kuita pachako zvikwereti.
  • Iva wako maneja wepfuma (uchishandira iyo LLC), uye chengetedza pamabhadharo uye chengetedza zvakakwana kutonga kwako kwekudyara (ita chokwadi chekuwana rezenisi remutero).
  • Tenga imba yekuzorora pamutengo wanhasi wemusika - ibvarure kunze kwekuzorora, wozoitora seyakagoverwa pamudyandigere

Nyanzvi dzinorumbidza zvikuru iyo LLC nekuda kwekushanduka kwayo uye kugara nhaka yezvinhu zvekudzivirira. Nekudaro, kana iwe uchida kuisa mari yako yemudyandigere muchigaro chimwe chete kwenguva yakareba kwazvo, iyo mari yekuwedzera uye mashandiro eIRA LLC haina basa.

Shandisa vanachipangamazano veunyanzvi vanokwanisa kukutungamira muitiro uyu - gara uine chokwadi chekuti kutengeserana hakuna kurambidzwa. Gadzira iyo LLC neine ruzivo nyanzvi. Wadaro, chengetedza zano remutemo rine rezinesi uye accountant. Gweta rinogona kukupa gwaro rinotaura kuti kutengeserana kuri pamutemo here kana kuti kwakarambidzwa, Iyo accountant inogona kubatsira kuti uve nechokwadi chekuteerera.

Yakasimba Yekutengesa IRA Zvinyorwa:

  1. Vashoma chete veIRA vatariri vanozobvumira zvakananga kutengesa zvivakwa muIRA yako. Saka, yako chaiyo Real Estate IRA inokubvumira kuti uite sarudzo uye uite nekukurumidza, nokudaro inokupa iwe pachako kuzvitungamira.
  2. Mari inowana kubva kutengesa zvivakwa uye purofiti inodzoserwa mutero mune yako yechinyakare IRA kana mutero-wakasununguka mune yako Roth IRA sekumwe kudyara.
  3. Iwe unogona kuve nekutungamira kwekutonga kweimba yako yezvivakwa.
  4. A Real Estate IRA inogona kushandisa IRA mari kuita pasi kubhadhara uye kutengesa zvivakwa pakutenga cheki.
  5. Zvishoma self kutungamirirwa IRA yekuchengetera miripo kubva iwe uchidzora kutapurirana.
  6. Nekuti izvo zvivakwa ndezve MDS, zviwanikwa zvinodzivirirwa kubva kumatare uye zvakaparadzaniswa kubva kune imwe mari yeIRA uye kubva pakubata kwako pachako.