Yintoni i-IRA eQokelelweyo?

Ukuqala kweshishini kunye neenkonzo zokukhusela iiasethi zobuqu.

Fumana

Yintoni i-IRA eQokelelweyo?

I-IRA ezizihambelayo i-akhawunti yokuthatha umhlala-phantsi ekunika uluhlu olubanzi lweendlela zokhetho zotyalo-mali kunokuvumela umgcini we-IRA oqhelekileyo. Uninzi lwabagcini be-IRA ziibhanki okanye abathengisi bezitokhwe. Vumela kuphela izithuthi zotyalo-mali ezibonelela ngokwazo njengenzuzo yemali. I-IRA yokuzilawula, kwelinye icala, inomgcini okuvumela ukuba utyale i-IRA yakho kuseti olubanzi lweenketho oluvunyelwe phantsi kwekhowudi ye-IRS.

Uninzi lwabagcini be-IRA bavumela kuphela ukutyalomali esitokisini, kwiibhondi, kwiimali ezifanayo nakwiiCD. Umgcini we-IRA ozenzela ngokwakhe uvumela ezo ntlobo zotyalo mali ukongeza kwiarhente yokuthengisa, izindlu, ukubekwa ngasese, izatifikethi zetyala lerhafu nokunye okuninzi. Abantu abaninzi baya kuxhamla kwiimpawu ze I-IRA ekhokelwa ngokwakho.

Kukho izibonelelo zokuba nesakhiwo sibe sinye okanye zingaphezulu kwee-LLCs, ezinje ngokukhuselwa kweeasethi kunye nokutshintshwa lula kotyalo mali. Oku kulungiselelwe ikakhulu abo bafuna ngokwenene ukulawula ipotifoliyo yabo. Abatyalomali abanjalo banokonyusa izinga labo lokubuya, banciphise umrhumo, kwaye babanike amandla okwenza izigqibo zotyalo mali ngokukhawuleza.

Le ayonto intsha. Abatyalomali babanakho ukuzilawula iimali zabo zotyalo-mali ekukhetheni ii-arenas zabo kwaye bavune inzuzo ngaphandle kwerhafu ukusukela kwi1974. Kwiminyaka yokugqibela ye-10, isixhobo sokuzimela esizijolise ekufumaneni esona sigqibo sikukuphela kobumnini nolawulo lweNkampani enoxanduva lokuThengisa.

Kwenziwe ntoni

  • Vula i-IRA entsha kwaye ibe nenkampani yakho ye-IRA limited Liqu
  • Hlawula yonke imali ekhoyo kwiakhawunti yakho yomhlala phantsi
  • Yenza i-LLC entsha engumnikazi we-IRA entsha (enesivumelwano sokusebenza esiliqili sokuqulunqa)
  • Hambisa yonke imali ye-IRA kwi-akhawunti yebhanki yakho ye-MD isebenzisa umgcini we-IRA
  • Isikhuphe LLC isiqinisekiso sobulungu kwi-IRA yakho

Ngale fomathi ingentla ukhululekile ukutyala imali yakho yomhlalaphantsi. Kulula njengokutyikitya itsheki. Oku kuvula iminyango emininzi kumathuba otyalo mali, anje ngearhente yesakhiwo, igolide, kunye neenkampani ezigcinwe ngasese. Into efunekayo kukuba i-LLC yakho ihambelane nazo zonke iimfuno ze-IRS / DOL kwaye wenze utyalomali oluvunyiweyo. Umzekelo, awukwazi ukuthenga ngokusemthethweni ikhaya leholide ngokusebenzisa i-IRA LLC kunye neholide kuyo. Akukho zisebenzayo. Umzekelo, awunakuthenga ngokusemthethweni ngokusemthethweni ikhaya okanye enye impahla eseyakho. Nangona kukho okungafaniyo, le mithetho yeyotyalo-mali olusemthethweni. Jonga izikhokelo ze-IRS.

Sebenzisa inombolo ekweli phepha okanye kwifom yokubuza ukuhambisa iimfuno zakho nomcebisi.

Inokwenza ntoni i-IRA LLC?

  • Yenza izigqibo zotyalo-mali ngokukhawuleza: Ukuthenga iipropathi ezichaziweyo zezindlu nomhlaba ngumzekelo wokutshala imali ngokukhawuleza. Unokuthatha isenzo semali ngaphandle kokugcina umgcini kwinkqubo okanye ubiza iifizi ezinkulu.
  • Ngokwenyani, ngokusemthethweni kufuneka utyalomali lwakho: Ungayisebenzisa imali yakho yomhlalaphantsi ngobuninzi bemisebenzi engenasimahla yerhafu. Umzekelo, i-LLC yakho ingenza imali mboleko yethutyana okanye yexesha elide kwizindlu, iimoto okanye amashishini, kwaye ihlawulise amaxabiso aphezulu kunamaziko emboleko yendabuko.
  • Yonga imali kwaye ube nolawulo olusondeleyo: Ungathenga iipropathi eziqeshisayo, emva koko ukhangele abaqashi bakho kwaye uzilawule ngokwakho, ukunqanda iindleko zolawulo lwepropathi.

Ukhululekile ukubhala itsheki kwi-akhawunti yakho yebhanki ye-LLC kutyalo-mali lwakho olukhethayo ngaphandle kwemvume yomgcini, imirhumo yokujonga okanye yokuhlawula ukuthengiswa okubangela esona sixhobo sotyalo-mali somhlala-phantsi esinethuba elingakumbi, ulawulo, ukhuseleko, kunye rhoqo nokukhula okunokwenzeka .

Kwenziwe ntoni

Oomatshini bokukwenza oku balula ngokulula. Wena ngokwakho khokela i-IRA yakho yangoku kutyalo-mali kwi-LLC eyenzelwe ngasese. I-IRA yakho inomnini wekhulu wenzala yenkampani oyilawulayo ethi ibeke imali yakho yomhlalaphantsi. Kukho izithintelo ezimbalwa kwaye phantse zonke iintengiselwano ezingavumelekanga zibandakanya ukuhambisa iimali kunye neqela elinxulumene noko; umntu onxulumene naye ungumntu nosapho lwakho olusondeleyo. Bona i Imigaqo ye-IRS Iinkcazo ngqo. Phantse lonke utsalo lobude beengalo ziya kuba semthethweni kwaye kukho inani lezicelo zomthetho ezingenziwa. Thetha nomcebisi werhafu elinelayisensi okanye umcebisi wotyalo mali malunga nemeko yakho. Ukongeza, umgcini wakho we-IRA ozilungiselela yena unokukunceda ekukhokeleni.

Ukuyibeka phezulu

Ukuseta i-IRA LLC kuyintengiselwano eliqela; Okokuqala kufuneka u-IRA ozenzele wena, emva koko uqondise umgcini wakho we-IRA ukuba atyale imali kwi-LLC esandula ukwenziwa, i-akhawunti yebhanki kufuneka ivulwe, kwaye ekugqibeleni inkxaso-mali ye-IRA LLC. Nje ukuba yonke le nto igqityiwe, ungaqala ngokwakho ukutyala imali kwiakhawunti yakho yomhlalaphantsi.

Kubalulekile ukuba ezi zinto ziphathwe ngolandelelwano oluthile, ukuze zonke izivumelwano kunye namaxwebhu esakhelo abelungiselelwe i-IRA nokuba i-IRA ihlawule yonke inkqubo. Ukuba umniniyo we-IRA uhlawula ngokobuqu kuyo nayiphi na into, iakhawunti iphela inokuba ngumcimbi ongavumelekanga. Imida ye-IRS koku ichanekile kwaye ineziphumo ezibi zokuwela kwicala elingalunganga lemida yentengiselwano engavumelekanga. Kubalulekile ukuba umntu onamava akhokele inkqubo yakho negqwetha okanye isikhokelo somcebisi ngerhafu ofanelekileyo.

Uyilo lwe-IRA LLC Ibandakanya:

  • Igama Jonga kunye nokuGcina kwiLizwe oKukhethayo
  • Ukulungiselela kunye nokuYila amaNqaku oMdibaniso
  • Amaxwebhu agcinwe kuRhulumente obanyulayo
  • Iphakheji yoXwebhu ihanjiswa ngePosi enguPhambili
  • Inkonzo yeArhente ebhalisiweyo
  • Uluhlu lokuKhangela oluBalulekileyo
  • Isixhobo esipheleleyo seKhampani
  • Ukugcwaliswa kwamaxwebhu ngokukhawuleza
  • Ifom yoNyulo lwe-S-Corporation
  • Inombolo yesazisi ye-EIN
  • IQumrhu (iRhafu) Ukwahlulahlulwa

I-Akhawunti ye-IRA LLC yokujonga ishishini

  • Uncedo ekumiselweni kweakhawunti entsha yokukhangela ishishini kwi-LLC esandula ukwenziwa

Ukuxhasa ngezimali i-IRA LLC:

  • Ukuvula i-akhawunti entsha yebhanki ye-IRA LLC
  • Ukukhupha inzalo yobulungu kwi-IRA yakho eqondisiweyo
  • Ukuvunywa kwesivumelwano sokusebenza
  • Ukunikezelwa komphathi we-LLC
  • Ukuvunywa kwawo onke amaxwebhu kunye nezivumelwano
  • Ukuhambisa imali ye-IRA

QAPHELA: Ezi nkqubo zokwenziwa akufuneki zizame ngaphandle koncedo lweengcali.

Tsalela inombolo kweli phepha okanye usebenzise ifomu yokubuza ukuze ufumane uncedo.

I-self Directed IRA LLC kulapho ithengiso ye-IRA eqondiswe kuyo, okanye efaka imali, inkampani entsha kwaye kule meko inkampani enamatyala. I-IRA eQinzekileyo ingumnini wayo yonke inkampani, kwaye ungumnini we-IRA, ulawule i-LLC entsha. Esi sihlalo somphathi we-LLC sinika ulawulo lweencwadi zokujonga kunye nokuvula uluhlu olutsha lonke lotyalo-mali kwiingxowa-mali zomhlalaphantsi. Wenza i-akhawunti yakho ye-IRA ukuba ibe lilungu (lomnini) le-LLC kwaye uya kunika umphathi wenkampani onokuthi afumane imbuyekezo kwiinkonzo. Umphathi we-LLC uya kuba eqhuba imisebenzi yenkampani yemihla ngemihla enjengokwenziwa kweekhontrakthi, iingcingo ze-wiring kunye nokusayina iitshekhi njengoko kuyalelwe. Kubaluleke kakhulu ukuba ufune uncedo lweengcali ezinolwazi malunga nendlela yokuseta i-LLC kunye nesicwangciso sakho solawulo se-IRA yakho.

Kukho imimiselo, imigaqo kunye nemigaqo ekufuneka ilandelwe, ngakumbi ekuqaleni xa usenza eyakho i-IRA LLC. Okokuqala nokuphambili, i-IRA yakho yangoku eyalathisiweyo iza kuba kukuthenga izabelo ze-LLC, oko kuthetha ukuba i-IRA yakho kufuneka sele isungulwe, kwaye ke uqondise imali yakho yomhlalaphantsi kule Ncwadi intsha.

Uninzi lwabantu alukhethi ukuseka eyabo i-IRA LLC, bajike babonelele ngenkonzo yobungqina beenkonzo zomthetho ukuba zilungiselele kwaye zenze iifayile.

Ukusekwa kwe-IRA Direct ye-Direct Directed kufuneka kwenziwe ngokwenkqubo ukunqanda iingxaki ezizayo. Kubalulekile ukuba uyilo lwakho lwenkampani kunye nokudalwa kwemali ye-akhawunti yomhlala phantsi yenziwe kunye nekhonsathi kunye nezilungiso ezichanekileyo zenkampani yokusebenza yangaphakathi. Udluliselo lunokungavunyelwa kwimeko ukuba i-IRA okanye i-LLC ayisekelwanga kwaye icwangciswe ngokufanelekileyo. Iitransekshini ezithintelweyo zi-Achilles tendon zokufumana umrhumo ophantsi kunye nengeniso-mali engenasimahla yerhafu. Ukuba i-IRA LLC yakho ihlala iphantsi kwemicroscope, kuhlala kulunge kakhulu ukuba umbutho wakho kunye nokwakheka kuchaneke. Ixabiso lenkonzo ye-IRA LLC lizo nje ukuphepha iingxaki zoluhlobo.

Unaniselwano kuphela kuphela kwabo baxhamlayo kwisicwangciso sokuthatha umhlala phantsi kwaye abekho phakathi kwawo nawaphi na amaqela angafanelekanga. Oku kuchazwa ngokucacileyo ngezantsi, kubacacisa, ukubona amaxwebhu e-IRS kumaqela angafanelekanga;

  • Umnini we-IRA okanye iqabane lomnini
  • Umnini we-IRA wosapho, abantwana, abazali, njl
  • Iziko elingaphezulu kwe-50% elinomntu ongafanelekanga
  • Umnini we-10%, igosa, umlawuli okanye umqeshwa ozelwe ngumntu ongafanelekanga
  • Ukuzonwabisa kwe-IRA
  • Nabani na obonelela ngeenkonzo kwi-IRA

Apha ngezantsi luluhlu lweentengiselwano ezingavumelekanga kunye nezinye izinto ongekhe uzenze nge-IRA Direct eyenzelwe wena:

  • Tyala imali yakho yomhlalaphantsi ungene kwikhaya ohlala kulo ngoku
  • Dibanisa imali mboleko usebenzisa iiasethi zomhlalaphantsi
  • Ukuthengisa impahla nezinto zakho kwi-IRA
  • Ukuboleka imali kubantu abangafanelekanga
  • Ukuzihlawula umrhumo
  • Ukuthenga izinto ezihlanganisiweyo
  • Ukuthenga i-inshurensi yobomi

Akukho sidingo sokwenza ukuthengiswa okungavunyelwe kunye nethuba lokutyala okungenamda elinikezwe yi-IRA LLCs ebonakalayo. Ngolawulo lweencwadi zokujonga iimali zakho zomhlalaphantsi, i-IRA LLC eyikhokelayo yeyona moto iphambili yomhlala phantsi kuye nawuphina umntu ofuna olwahlukileyo kwiyantlukwano.

Ukuthengiswa kwezindlu kukuthengiswa okukhulu ngotyalo mali lwengxowa mali yomhlalaphantsi kunye ne IRA LLC. Uyakwazi ukwenza izigqibo ezikhawulezayo njengesenzo kwintengiso emfutshane kwaye unokuqokelela inzuzo yokuxhamla kwingxowa-mali yomhlala-ngaphandle.

Isetyenziswa njani

Apha unokuhamba ngomzekelo wendlela i-IRA LLC enokusetyenziswa ngayo kwinqanaba eliphezulu lokukhula kwengxowa yomhlalaphantsi. Uyisebenzisa kanjani i-IRA LLC.

Unayo i- $ 150,000 kwi-akhawunti ye-IRA kwaye uthatha isigqibo sokuba ufuna ukutyala imali kwi-real estate oyifumana kwiifandesi zentengiso. Udala i-LLC enesivumelwano sokusebenza esibonisa uluhlu lwamalungu njenge-akhawunti yakho ye-IRA. Uya kuseta i-akhawunti yebhanki ye-LLC kwaye uyalele umgcini wakho we-IRA ukuba afowunele i- $ 150,000 kwi-akhawunti yebhanki ye-LLC.

Ngokuqulunqwa kwakho ngokufanelekileyo, kwakheka kwaye ixhaswe yi-IRA LLC, ungatsiba ungene kwaye ufumane ezo ntengiso zangaphambili. Uchitha i- $ 120,000 kwaye uzuze amakhaya amane, onke aya kuthengwa kwaye abhalwe kwi-LLC ephethwe yi-IRA yakho. Urenta ipropathi nganye iminyaka embalwa kwaye zonke iindleko, iirhafu, i-inshurensi kunye nolondolozo zihlawulwa yinkampani esebenzisa iakhawunti yebhanki ye-LLC. Ingeniso evela kwirente iya ngqo kwi-LLC. Kuba i-LLC yeyabanikazi be-IRA, inzuzo ayibhatalwa rhafu. Njengoko iingeniso ezingenaserhafu zingena, i-LLC engaphakathi kwi-IRA yakho inokuthenga ngakumbi kwiarhente ethengisa izindlu, igolide, isitokhwe okanye ezinye izinto ukuze yonyuselwe kwipotifoliyo yomhlala phantsi.

Ukuba nganye yeendawo zakho zokurenta ngepesenti ye- $ 500 ekuhambeni kwemali iya kuthetha ukuba i-16% iya kunyuka ngokuhamba kwemali. Xa ukulungele ukuthengisa amakhaya, uya kuphelisa ukubamba kwaye i-IRA yakho inokufumana imali engabhatalwa rhafu. Uthengisa izindlu zakho nge- $ 200,000 edluliselwa ngqo kwiakhawunti yebhanki ye-LLC. I- $ 150,000 yakho yokuqala ikhule ibe yi- $ 272,000.

Imigaqo ngokubanzi yeThumb yabanini be-IRA LLC

Ungakuthintela njani ukuthengiselana okungavumelekanga. Abanini be-IRA LLC, usapho, iqabane okanye isizukulwana somlingo akufuneki:

  1. Fumana impahla okanye ukuhanjiswa kwi-IRA LLC.
  2. Yenza isibonelelo okanye usebenzise nayiphi na ipropathi ye-IRA.
  3. Hlawula iindleko.
  4. Bhatalwa imali kwi-IRA.
  5. Thatha inxaxheba kulo naluphi na utshintshiselwano.
  6. Nika iinkonzo, ezihlawulelweyo okanye kungenjalo, kwi-IRA LLC.

Ukuba naluphi na utyalo mali olungengalo lwengalo lujongiwe, kuya kufuneka uthethe nomcebisi wentengiselwano ofanelekileyo. Zininzi iindlela zokuthengiselana kungavunyelwa, ikakhulu kubandakanya umsebenzi wokudibanisa kunye neenkcitho kunye nepropathi ye-IRA LLC. Ukuba awuqinisekanga, buza i-CPA okanye ezinye iingcali ezifanelekileyo. Zibandakanye nje kwimisebenzi oqinisekile ukuba ugunyazisiwe.

Kukho okuninzi kubanini be-IRA ukuba baqonde xa besenza i-LLC. Yinjongo ekhethekileyo yokutyala imoto efuna ukwenziwa ngononophelo. Isivumelwano sakho sokusebenza, inqanaba lerhafu, ubunini besakhiwo, ukusebenza okusemthethweni konke kufuna amalungiselelo awodwa e-IRA. Umbutho othembekileyo kufuneka umisele oku.

I-AKA yearhente yokuthengisa izindlu

Iiarhente zeearhente zokuthengiswa kwezindlu zivumela abanini beakhawunti yomhlalaphantsi ukuba bathenge izindlu nomhlaba ngee-IRA, ngaphandle kwerhafu. Ungathenga iipropathi zorhwebo ngokukhawuleza ngokubhala itsheki kwaye utyalomali lwakho aluxhomekekanga kwimvume yomgcini okanye kwimali yokuthenga. Ungenza iintlawulo zehlawulwe kwaye ufumane imali mboleko yokuthenga izindlu nonrecourse ukuze ukhulise utyalomali lwakho. Ukwenza i-LLC yesicwangciso se-IRA yearhente yeNdlu ingasindisa kwaye ikufumane amawaka eedola xa uthelekisa nomgcini we-IRA oqhelekileyo. Kungenxa yokuba ungatyala imali kwiinkampani ezingathengiswa esidlangalaleni, ngaphandle kwekhomishini, njengeenkampani ezinamatyala. Ukongeza ungazisebenzisa ii-LLCs ozisebenzisayo ukuthenga izindlu nomhlaba.

I-IRA ye-I-self-eqondiswe ngokwakho iye yaba yindlela yotyalo-mali ekhethiweyo yokuthenga iarhente yokuthengisa kunye nenxalenye yeakhawunti yomhlala-phantsi. Ngokudala i-IRA LLC eyenzelwe wena ikuvumela ukuba uthathe isigqibo sokuba uyityala phi imali. Unokulawula incwadi yokukhangela ye-LLC. Utyalomali olukhoyo kuwe kukuthengiswa komhlaba, izakhiwo zefulethi, iiprojekthi zeekhondomu, amakhaya osapho, nje ukubala abambalwa. Ungathenga amanqaku, amatyala erhafu, izinto zerhafu, izinto zangaphandle okanye zasekhaya usebenzisa i-IRA LLC yakho.

Nge-LLC ye-IRA yakho eqondisiweyo, unga:

  • Yenza ukuthengwa kwangoko- ukutyala imali kwizakhiwo ezichaziweyo, iirhafu zetax okanye wenze iimali mboleko zobuqu.
  • Yiba ngumphathi wepropathi yakho (usebenzela i-LLC), kwaye ugcine iindleko kwaye ugcine ulawulo olupheleleyo kutyalo-mali lwakho (qiniseka ukufumana ingcebiso yerhafu enelayisensi).
  • Thenga ikhaya lokuthatha umhlala-phantsi ngexabiso lanamhlanje lemarike - uyiqeshise de uthathe umhlala-phantsi, emva koko uyithathe njengokwabelana umhlala-phantsi

Iingcali zincoma kakhulu i-LLC ngenxa yokuguquguquka kwayo kunye nokugcina ilifa leempawu zokhuseleko. Nangona kunjalo, ukuba ufuna ukutshala imali yakho yomhlalaphantsi kwipropathi enye ixesha elide, iindleko ezongeziweyo kunye nokusebenza okusemthethweni kwe-IRA LLC akukho mfuneko.

Sebenzisa abacebisi abaziingcali abanolwazi ukuze bakukhokele kule nkqubo-uhlala uqinisekile ukuba ukuthengiselana akuvumelekanga. Misela i-LLC enengcali enamava. Emva koko, gcina isiluleko segqwetha nelayisensi. Igqwetha linokukunika uxwebhu oluchaza ukuba ukuthengiswa okusemthethweni okanye kukwalelweyo, uMgcini zincwadi zobalo-mali unokukuqinisekisa ukuba uyathobela irhafu.

Amanqaku e-IRA anamandla

  1. Bambalwa kuphela abagcini be-IRA abaya kuvumela ukutyala imali kwiarhente yakho kwi-IRA. Ke, yeyakho i-IRA eyiNtengiso yeNdawo ikuvumela ukuba wenze izigqibo kwaye wenze ngokukhawuleza, ngaloo ndlela ikunike isikhombisi sokwenyani sokwenyani.
  2. Inzala yokuthengiswa kwezindlu kunye nenzuzo ethengiswa irhafu kwi-IRA yakho yemveli okanye ngaphandle kwerhafu kwi-Roth IRA yakho njengalo naluphi na olunye utyalomali.
  3. Unakho ngqo kulawulo lwepropathi yakho nomhlaba wesakhiwo.
  4. IRA I-Real Estate inokusebenzisa iimali ze-IRA ukwenza iintlawulo eziphantsi kunye nokuthengiswa kwearhente kwisantya sokujonga iincwadi.
  5. Ubuncinci bezinto ezijongiswe kwi-IRA zokugcina iinkonzo kuba ulawula ukuthengiselana.
  6. Ngenxa yokuba iipropathi zingezakho kwii-LLCs, ii-asethi zikhuselwe kwezomthetho kwaye zahlukanisiwe kwezinye iingxowa mali ze-IRA nakwizinto zakho zokubamba.