Kuyini i-I Direct Directed IRA?

Ukuqala kwebhizinisi nezinsizakalo zokuvikela impahla.

Thola Ukuhlanganiswa

Kuyini i-I Direct Directed IRA?

I-IRA Eziqondisayo i-akhawunti yomuntu ngamunye yokuthatha umhlalaphansi ekunika uhla olubanzi lwezinketho zokutshalwa kwezimali kunokuba kuvunyelwe umgcini we-IRA ojwayelekile. Abagcini abaningi be-IRA bangamabhange noma ama-stock broker. Vumela kuphela izimoto ezitshalayo ezizinikeza inzuzo yezezimali. I-IRA eziziqondayo, ngakolunye uhlangothi, inomgcini okuvumela ukuthi utshale i-IRA yakho kusethi ebanzi yezinketho evunyelwe ngaphansi kwekhodi ye-IRS.

Abahlinzeki abaningi be-IRA bavumela kuphela ukutshala imali ezitokisini, izibopho, imali ehlanganyele kanye nama-CD. Umgcini we-IRA oziqondisa yena uvumela lezo zinhlobo zokutshalwa kwezimali ngaphezu kwezakhiwo, amanothi, ukubeka kwangasese, izitifiketi zezikweletu zentela nokunye okuningi. Abantu abaningi bazohlomula ngezici iqondiswe i-IRA.

Kukhona inzuzo ethile yokuthi leso sakhiwo sibe ne-eyodwa noma ngaphezulu ama-MDs, njengokuvikelwa kwempahla nokuvumelana nokutshalwa kwezimali. Lokhu kulungiselelwa ikakhulukazi kulabo abafuna ngempela ukulawula iphothifoliyo yabo yokutshalwa kwezimali. Abatshalizimali abanjalo bangakhuphula kakhulu isilinganiso sabo sokubuya, banciphise imali futhi babanikeze amandla okwenza izinqumo zokutshala imali ngokushesha.

Lokhu akuyona into entsha. Abatshalizimali babe namandla okuqondisa imali yabo yokutshalwa kwezimali ekukhetheni izinkundla zabo futhi bavune inzuzo yamahhala yentela kusukela i-1974. Eminyakeni eyedlule ye-10 noma ngaphezulu, ithuluzi lokuzibekela imali eliziholile lithole okukhulu ekuguquguqukeni, lelo lokuba ngumnikazi nokuphatha Inkampani Esibekelele Izikweletu.

Okufanele ngikwenze

  • Vula i-IRA entsha eqondiswa nguwe bese i-IRA Limited Liability Company yakho ihlelwe kahle
  • Faka zonke imali ezikhona kwi-akhawunti yakho yomhlalaphansi
  • Yenza i-LLC entsha ephethwe i-IRA entsha (enesivumelwano sokusebenza sokusebenza esenziwe ngokuqondile)
  • Hambisa yonke imali ye-IRA kwi-akhawunti yakho yasebhange ye-LLC nge-IRA umgcini
  • Isitifiketi senzalo sobulungu ye-Issue LLC ku-IRA yakho

Ngefomethi engenhla ukhululekile ukutshala imali yakho yomhlalaphansi. Kulula njengokusayina isheke. Lokhu kuvula iminyango eminingi yamathuba wokutshala imali, njengezakhiwo nomhlaba, igolide, nezinkampani eziphethwe ngasese. Okudingayo nje ukuthi i-LLC yakho ihambisane nazo zonke izidingo ze-IRS / DOL futhi wenza imali ekuvumayo. Isibonelo, awukwazi ukuthenga ngokusemthethweni ikhaya leholide ngokusebenzisa i-IRA LLC yakho kanye neholide kuyo. Akukho okuzisebenzelayo. Isibonelo, awunakuthenga ngokusemthethweni ngokusemthethweni ikhaya noma enye impahla kusuka ngokwakho. Yize kukhona okuhlukile, le mithetho ingezokutshala imali okusemthethweni. Bona imihlahlandlela ye-IRS.

Sebenzisa inombolo ekuleli khasi noma ifomu lokubuza ukwengeza izidingo zakho nomeluleki.

Yini engenziwa i-IRA LLC?

  • Yenza izinqumo ezisheshayo zokutshalwa kwezimali: Ukuthenga izakhiwo ezingabikezelwa kusibonelo esivelele sesibonelo sokutshala imali ngejubane. Ungathatha isenzo sezezimali ngaphandle kokuvikela umgcini wenqubo noma ukushaja imali enkulu.
  • Ngempela, ukwehlukanisa imali ngokusemthethweni: Ungaqala ukusebenzisa imali yakho yokuthatha umhlalaphansi ngobuningi bamathuba wemali engenayo intela. Isibonelo, i-LLC yakho ingenza imalimboleko yesikhashana noma yesikhathi eside kwimpahla ethengiswayo, ezimotweni noma emabhizinisini, futhi ikhokhise amanani aphezulu kunangezikhungo ezibolekwa ngokwesiko.
  • Gcina imali bese ulawula eduze: Ungathenga impahla yokuqasha, bese ubheka abaqashi bakho bese uyiphatha ngokwakho, ugwema izindleko zokuphathwa kwempahla.

Ukhululekile ukubhala isheke elivela kwi-akhawunti yakho yasebhange ye-LLC ekutshalweni kwemali oyikhethile ngaphandle kwemvume yomgcini, izimali zokubuyekezwa noma izindleko zokwenza umsebenzi kuholele ithuluzi lokutshala imali lokuthatha umhlalaphansi elinamathuba amaningi, ukulawulwa, ukuphepha, kanye kaningi - amandla amakhulu okukhula .

Okufanele ngikwenze

I-mechanics yalokhu empeleni ilula. Wena uqondisa i-IRA yakho yamanje ukuthi uyitshale imali kwi-LLC eyenzelwe ngasese. I-IRA yakho inephesenti eliyikhulu lenzalo yenkampani oyiphethe efakela imali yakho yomhlalaphansi. Kunemikhawulo embalwa futhi cishe konke ukuthengiselana okwenqatshelwe kubandakanya ukufaka imali imali neqembu elihlobene; iphathi ehlobene nokuba nguwe nomndeni wakho oseduze. Bheka Imithetho ye-IRS ngezincazelo eziqondile. Cishe konke ukutshala imali yezingalo kuzoba semthethweni futhi kunenombolo yokukhishwa okungokomthetho okungenziwa. Khuluma nomeluleki onelayisense noma wokutshala imali mayelana nesimo sakho ngemininingwane ethe xaxa. Ngaphezu kwalokho, umnakekeli wakho we-IRA oqondiswa nguwe angakusiza ukukuqondisa.

Ukuyimisa

Ukusetha i-IRA LLC kungukuthengiselana okuningana okuningi; okokuqala udinga i-IRA eqondiswa nguwe uqobo, bese uqondisa umgcini wakho we-IRA ukuthi atshale imali kwi-LLC esanda kwakheka, kufanele ivulwe i-akhawunti yasebhange, bese ekugcineni ifaka uxhaso lwe-IRA LLC. Uma konke lokhu sekuphothuliwe, ungaqala ukutshala imali ngokwakho nge-akhawunti yakho yomhlalaphansi.

Kubalulekile ukuthi lezi zinto zisingathwe ngokulandelana okuthile, ukuze zonke izivumelwano kanye namadokhumenti wokwenza kube ngokwezifiso kwe-IRA nokuthi i-IRA ikhokhele yonke inqubo. Uma umnikazi we-IRA akhokha ngokwakhe noma yikuphi lokhu, i-akhawunti yonke ingaba yinto enqatshelwe. Imingcele ye-IRS kulokhu ichaza imiphumela emibi yokuwela ohlangothini olungafanele lwemigqa yokuthenga enqatshelwe. Kubaluleke kakhulu ukuthi uchwepheshe onolwazi ahole inqubo yakho nommeli noma nesiqondiso someluleki ofanelekayo.

Ukwakhiwa kwe-IRA LLC Kufaka:

  • Igama Ukuhlola nokubhuka ngaphakathi kwesifunda sakho sokukhetha
  • Ukulungiselela nokudwetshwa kwezindatshana zakho zokufakwa ngaphakathi
  • Imibhalo Egcwaliswe Ngombuso owukhethayo
  • Iphakethe Lamadokhumenti Lithunyelwe Nge-imeyili Ebaluleke Kakhulu
  • Insizakalo Yomenzeli Obhalisiwe
  • Uhlu Lokuhlola Okubalulekile Lenkampani
  • I-Corporate Kit ephelele
  • Ukugcwaliswa Kwamadokhumenti Ezwakala
  • Ifomu lokhetho le-S-Corporation
  • Inombolo ye-ID Yentela
  • Ukuhlukaniswa Kwebhizinisi (Intela)

I-IRA LLC Business Checking Account

  • Usizo ngokusetha i-akhawunti entsha yokuhlola ibhizinisi kwe-LLC esanda kwakhiwa

Ukuxhasa i-IRA LLC:

  • Kuvulwa i-akhawunti entsha yasebhange ye-IRA LLC
  • Khipha intshisakalo yobulungu ku-IRA yakho eqondiswe nguwe
  • Ukuvunywa kwesivumelwano sokusebenza
  • Ukunikezwa kwemenenja ye-LLC
  • Ukuvunywa kwayo yonke imibhalo nezinkontileka
  • Kudluliswa imali ye-IRA

QAPHELA: Lezi zinqubo zokubumba akufanele zenziwe ngaphandle kosizo lochwepheshe.

Shayela inombolo kule khasi noma usebenzise ifomu lokubuza ukuze uthole usizo.

I-Self Directed IRA LLC kulapho ukuthenga okuqondile kwe-IRA kuthengisela, noma ukutshala imali, inkampani entsha kanti kulokhu inkampani enomkhawulo wesikweletu. I-Direct Directed IRA ingumnikazi wayo yonke inkampani enesikweletu, futhi wena ungumnikazi we-IRA, phatha i-LLC entsha. Lesi sihlalo somphathi we-LLC sihlinzeka ngokulawulwa kwe-checkbook futhi sivula lonke uhla lonke lokutshala imali kwezimali zakho zokuthatha umhlalaphansi. Wenza i-akhawunti yakho ye-IRA ilungu (lomnikazi) we-LLC futhi uzokwabela umphathi wenkampani ongathola isinxephezelo ngezinsizakalo. Umphathi we-LLC uzobe enza imisebenzi yenkampani yansuku zonke efana nokwenza izinkontileka, imali ye-wiring kanye namasheke okusayina njengoba kuyalelwe. Kubaluleke kakhulu ukuthi ufune usizo lochwepheshe onolwazi mayelana nokuthi ungayisetha kanjani uhlelo lwakho lwe-LLC necebo lokuphatha le-IRA yakho.

Kukhona imithethonqubo, okusemthethweni kanye nemithetho okudingeka ilandelwe, ikakhulukazi ekuqaleni lapho usungula ngokwakho i-IRA LLC uqobo. Okokuqala nokubaluleke kakhulu, i-IRA yakho eqondiswa nguwe uqobo izokuthenga amasheya we-LLC, okusho ukuthi i-IRA yakho kumele isivele isungulwe, bese uqondisa imali yakho yokuthatha umhlalaphansi kule LLC entsha.

Abantu abaningi abakhethi ukusungula eyabo i-IRA LLC uqobo, baphendukela kumhlinzeki oqeqeshiwe wezinsizakusebenza zedokhumenti yomthetho ukuze balungiselele futhi bakhiphe amafayela abo

Ukusungula i-Self Directed IRA LLC kudinga ukwenziwa inqubo ukugwema izinkinga ezizayo. Kubalulekile ukuthi ukwakhiwa kwe-akhawunti yakho yenkampani kanye nokutshala imali yomhlalaphansi kwenziwe kahle nangokubonisana nezichibiyelo eziyisivumelwano sokusebenza senkampani yangaphakathi. Ukudluliselwa kungavinjelwa uma ngabe i-IRA noma i-LLC ingasungulwa futhi ihlelwe ngendlela efanele. Izinto ezivinjelwe i-Achilles tendon yokuthola imali ephansi kanye nezinzuzo zokutshala mahhala. Uma i-IRA LLC yakho ivela ngaphansi kwe-microscope, kuhlala kungcono kakhulu ukuthi inhlangano yakho nokwakheka kungabe kulungile. Intengo yensizakalo ye-IRA LLC ngokufanelekile ukuvikela izinkinga zalolu hlobo.

Okwenziwayo kukhawulelwe kuphela kulabo abazuza uhlelo lokuthatha umhlalaphansi futhi abekho phakathi kwezinhlangano ezingafanele. Lokhu kuchazwa ngokukhululekile ngezansi, ngemininingwane, bona imibhalo ye-IRS kumaqembu angavumelekile;

  • Umnikazi we-IRA noma umlingani womnikazi
  • Umndeni womndeni we-IRA, izingane, abazali, njll
  • Ibhizinisi elingaphezulu kwe-50% elingelomuntu onelungelo lokungafanele
  • Umnikazi we-10%, isikhulu, umqondisi noma umsebenzi ibhizinisi elingelomuntu ongahlunyelwe
  • Ukukhumbula i-IRA
  • Noma ngubani ohlinzeka ngezinsizakalo ku-IRA

Ngezansi kunohlu lwezinto okwenqatshelwe nezinye izinto ongeke ukwazi ukuzenza nge-IRA LLC eqondisiwe:

  • Tshala imali yakho yomhlalaphansi ungene ekhaya ohlala kulo manje
  • Hlanganisa imalimboleko usebenzisa impahla yokuthatha umhlalaphansi
  • Ukuthengisa impahla yomuntu siqu ku-IRA
  • Ukubolekwa imali kubantu abangafaneleki
  • Ukukhokha imali yakho
  • Ukuthenga amaqoqo
  • Ukuthenga umshuwalense wokuphila

Akunasidingo sokwenza ukuthengiselana okwenqatshelwe nethuba lokutshala okungenamkhawulo olunikezwa i-IRA LLCs uqobo. Ngokulawulwa kwebhuku lokuhlola imali yakho yokuthatha umhlalaphansi, i-IRA LLC ye-self iqondiswe kuyimoto ephakeme yesikhwama sokuthatha umhlalaphansi kunoma ngubani ofuna omkhulu ngokuhlukahluka.

Izakhiwo zithengiswa kakhulu ngokutshala imali yesikhwama somhlalaphansi kanye ne-IRA LLC. Uyakwazi ukwenza izinqumo ezisheshayo njengezenzo ekuthengisweni okufushane futhi angakwazi ukuqongelela inzuzo ukuze kusizakale mahhala esikhwameni somhlalaphansi.

Isetshenziswa Kanjani

Lapha ungahamba ngesibonelo sendlela i-IRA LLC engasetshenziswa ngayo ngezinga eliphakeme lokukhula kwezimali zomhlalaphansi. Ungayisebenzisa kanjani i-IRA LLC.

Une- $ 150,000 ku-akhawunti ye-IRA bese uthatha isinqumo sokuthi ufuna ukutshala lezo zimali kwizakhiwo ezithengiswayo ozithola ngokuthengiswa kusengaphambili. Wakha i-LLC enesivumelwano sokusebenza esifaka kuhlu lelungu kuphela njenge-akhawunti yakho ye-IRA. Uzobeka i-akhawunti yasebhange ye-LLC futhi ufundise umgcini wakho we-IRA ukuthi afake i-X XUMX ku-akhawunti yasebhange ye-LLC.

Nge-IRA LLC yakho ehlelwe kahle, eyakhelwe futhi exhaswe ngemali, ungagxuma ungene ngaphakathi bese uthwebula leyo ntengiso engaziwa. Usebenzisa i- $ 120,000 futhi uthole amakhaya amane, wonke lawo azothengwa futhi abizwe nge-LLC okunge-IRA yakho. Uqasha impahla ngayinye iminyaka embalwa futhi zonke izindleko, izintela, umshuwalense kanye nokugcinwa kuyakhokhwa yinkampani esebenzisa i-akhawunti yasebhange le-LLC. Imali engenayo evela erenti iya ngqo kwa-LLC. Njengoba i-LLC ingeyama-IRA, inzuzo ayikhokhelwa intela. Njengoba inzuzo engenayo intela ingena, i-LLC engaphakathi kwe-IRA yakho ingathenga indawo ethengiswayo ethe xaxa, igolide, isitoko noma enye impahla ukukhulisa ukuphambanisa kuphothifoliyo yomhlalaphansi.

Uma ngamunye wamanethiwekhi wempahla yakho aqashiswayo engu- $ 500 ekuhambeni kwemali kungasho ukuthi i-16% izonyuka ngokuphuma kwemali nje. Uma usulungele ukuthengisa amakhaya, uzokhipha imali ebambile futhi i-IRA yakho ingathola ukheshi olungeyona intela. Uthengisa izindlu zakho ngama- $ 200,000 adluliselwa ngqo ku-akhawunti yasebhange ye-LLC. I- $ 150,000 yakho yokuqala ikhule yaba ngu- $ 272,000.

Imithetho Jikelele yeThumb yabanikazi be-IRA LLC

Ungakugwema kanjani okwenziwayo okwenqatshelwe. Abanini be-IRA LLC, umndeni, umlingani noma isizukulwane esisezingeni eliphezulu akufanele:

  1. Thola impahla noma ukusatshalaliswa kwa-IRA LLC.
  2. Zuza noma usebenzise noma iyiphi impahla ye-IRA.
  3. Khokha izindleko.
  4. Khokhelwa imali kwa-IRA.
  5. Bamba iqhaza kunoma yikuphi ukuthengiselana.
  6. Nikeza ngezinsizakalo, ezinxepiwe noma cha, ku-IRA LLC.

Uma kukhona ukutshalwa kwezimali okungekho kubude bezingalo ezibukwayo, kufanele uthintane nomeluleki ofanelekile wokwenza umsebenzi. Kunezindlela eziningi zokuhweba ezingavinjelwa, iningi lifaka umsebenzi wokuxuba nezindleko nempahla ye-IRA LLC. Uma ungaqinisekile, buza i-CPA noma omunye uchwepheshe ofanelekayo. Yenza kuphela imisebenzi oqinisekile ukuthi igunyaziwe.

Kunokuningi kubanikazi be-IRA okufanele baqonde lapho besungula i-LLC. Kuyinjongo ekhethekile yokutshala imali edinga ukwakhiwa ngokucophelela. Isivumelwano sakho sokusebenza, isimo sentela, ubunikazi besakhiwo, ukusebenza okusemthethweni konke kudinga amalungiselelo akhethekile e-IRA. Inhlangano ethembekile kufanele ikwenzele lokhu.

AKA Real Estate IRA

Ama-IRA ama-Real Estate avumela abanikazi be-akhawunti yomhlalaphansi ukuthi bathenge izindlu nezezimali ze-IRA, mahhala. Ungathenga indawo ethengiswayo masisha njengokubhala isheke futhi utshalomali lwakho alukho ngaphansi kwemvume yokugada noma imali yokuthenga. Ungenza izinkokhelo eziphansi futhi uthole imalimboleko yokuthengisa engabizi yendawo ukuze ukhulise imali oyitshalile. Ukwenza i-LLC yohlelo lwe-IRA yezezakhiwo kungakusindisa futhi kukutholele izinkulungwane zamaRandi uma uqhathanisa nomqaphi we-IRA ozimele. Lokhu kungenxa yokuthi ungatshala imali ezinkampanini ezingathengiswa esidlangalaleni, ngaphandle kwekhomishini, njengezinkampani zesikweletu esinqunyelwe. Futhi ungasebenzisa ama-LLC owasebenzisayo ukuthenga izindlu kanye nolunye utshalomali.

I-IRA LLC eyenzelwe wena uqobo isibe imoto yokutshala imali yokuzikhethela ukuthenga izakhiwo njengengxenye ye-akhawunti yomhlalaphansi. Ukumane nje uzenzele i-IRA LLC ekuvumela ukuba unqume ukuthi uyitshale kuphi imali yakho. Ungalawula incwadi yokuhlola ye-LLC. Utshalomali olutholakala kuwe ngamapulani omhlaba, izakhiwo zamafulethi, amaphrojekthi wekhondomu, amakhaya emindeni, nje ukusho okumbalwa. Ungathenga namanothi, ama-tax liens, ama-tax tax, i-estate yangaphandle noma efuywayo usebenzisa i-IRA LLC yakho.

Nge-LLC ye-IRA yakho eqondisiwe, unga:

  • Thenga ngokushesha - thenga imali ekubonisweni kwezezakhiwo, kwizikweletu zentela noma ubolekise imali yakho.
  • Yiba ngumphathi wakho wepropathi (usebenzela i-LLC), bese ugcine izindleko futhi ulawule ngokuphelele ukutshalwa kwemali (qiniseka ukuthola izeluleko zentela ezinelayisense).
  • Thenga ikhaya lokuthatha umhlalaphansi ngenani lemakethe yanamuhla - uyiqashe uze uthathe umhlalaphansi, bese uyithatha njengokuhambisa umhlalaphansi

Ochwepheshe batusa kakhulu i-LLC ngenxa yokuguquguquka kwayo kanye nezinto zokuvikela amafa. Kodwa-ke, uma ufuna ukutshala imali yakho yokuthatha umhlalaphansi endaweni eyodwa isikhathi eside kakhulu, izindleko ezengeziwe nokusebenza okusemthethweni kwe-IRA LLC akudingekile.

Sebenzisa abeluleki bochwepheshe abaqeqeshiwe ukukuqondisa kule nqubo - ngaso sonke isikhathi qiniseka ukuthi ukuthengiselana akunqatshelwe. Setha i-LLC enochwepheshe onolwazi. Ngemuva kwalokho, gcina isiluleko sommeli onamalayisense kanye ne-accountant. Ummeli angakunika idokhumenti echaza ukuthi ukuthengiselana kungokomthetho noma kunqatshelwe, i-Accountant ingasiza ekuqinisekiseni ukuthi uyathobela intela.

Izici ezinamandla ze-IRA Real Estate:

  1. Abasekeli abambalwa be-IRA kuphela abazovumela ukutshalwa kwezimali okuqondile kwi-IRA yakho. Ngakho-ke, i-IRA yakho Yezindlu ikuvumela ukuba uthathe izinqumo futhi uthathe isinyathelo ngokushesha, ngakho-ke ikunikeza ukuziqondisa kwangempela.
  2. Izinzuzo zezimali ezivela ekuthengisweni kwezezakhiwo nakwinzuzo zibuyiselwa intela ku-IRA yakho yendabuko noma mahhala-ku-Roth IRA yakho njengokutshalwa kwemali.
  3. Ungaba nokuqondisa kokulawulwa kwempahla yakho yangempela.
  4. I-Real Estate IRA ingasebenzisa imali ye-IRA ukwenza izinkokhelo eziphansi kanye nokuthengiswa kwezakhiwo ngejubane lokuhlola.
  5. Izimali ezincane eziqondiswa i-IRA zokugcina kusukela ulawula ukuthengiselana.
  6. Ngoba izakhiwo zingezakwa-LLC, amafa avikelwe emacaleni futhi ahlukaniswa nezinye izimali ze-IRA nasekubambeleleni kwakho.