Inherited IRA and 401(k) Rules Explained - BitcoinEthereumNews.com
เศรษฐกิจอธิบายกฎ IRA และ 401 (k) ที่สืบทอดมา04 / 03 / 2022ข่าว Bitcoin Ethereum รับการถ่ายทอด individual retirement accounts (IRAs) have long been a method to allow non-spousal beneficiaries to inherit an IRA account and let the account continue to grow on a tax-deferred basis over time. In 2007, the rules were changed to allow non-spousal beneficiaries of 401(k) and other defined-contribution retirement plans to treat these accounts in a similar fashion. And on Dec. 20, 2019, the พระราชบัญญัติการจัดตั้งทุกชุมชนเพื่อส่งเสริมการเกษียณอายุ (SECURE) was signed into law as part of two year-end spending bills, eliminating the rules that had permitted the stretch IRA strategy for sheltering distributions from IRA accounts for any non-spouse who inherits a retirement account from someone who died after Dec. 31, 2019. So what are the rules now? ประเด็นที่สำคัญ Spousal beneficiaries of an IRA have the option of taking the account and managing it as if it were their own, including the calculation of required minimum distributions (RMDs). Non-spousal beneficiaries have to take distributions from the total account within 10 years of the death of the original account holder. It is important that IRA account holders who want to leave their accounts to non-spousal beneficiaries work with a custodian that understands the complex rules surrounding these accounts. Inherited IRA