什么是IRA转账?
It's a lot easier to invest with confidence when you have the freedom to move your money around 退休帐户s.
随着时间的推移, you might find the Individual 退休 Account (IRA) investment choices that made sense when you opened the account aren't working as well for you now. An IRA 转移 is simply the process of moving funds between IRAs.
为什么要转移IRA ??
You may want to move to a different type of investment, choose an investment that better fits your current needs and circumstances, or move your account to another fund or financial institution to keep your retirement and financial assets in one place.
A 转移 is not considered to be a withdrawal for tax purposes, so t在这里 will be no reporting to the IRS and no taxes withheld. 一般, a 转移 applies to IRAs of the same type: moving funds from an existing Roth IRA to another Roth IRA, or an existing Traditional IRA to another Traditional IRA. 你也可以从 SEP IRA to a Traditional IRA or a SIMPLE IRA to a Traditional IRA, as long as you have had the SIMPLE IRA for at least two years.
(Note: It is important to understand that a 转移 from a Traditional IRA to a Roth IRA is known as an 爱尔兰共和军的转换，适用不同的规则.)
IRA转账与展期
当你 转移 个人退休帐户, you move a single type of account from one institution to another – the account type doesn’t change. A 展期 is used when you want to move funds from a prior employer’s retirement fund from one type of account to another (e.g. 401k到传统IRA). 有一些 401k转IRA的利弊. 这 IRS展期图 describes which types of accounts you can roll “from” and “to”. T在这里 are two types of 展期s: direct 展期 and indirect 展期.
直接翻转 – If you have funds in an account and want to move them to another institution, 可以使用直接翻转. When the funds are directly rolled over, t在这里 are no taxes withheld.
间接翻转 -作为帐户持有人, you can request an indirect 展期 and the funds are distributed to you for your possession. When this is done, it is considered a distribution and is taxable. 然而, if all the funds are moved into a new tax-advantage account within 60 days of the distribution, 他们又回到了税收优惠的地位.
IRA转账是如何工作的?
这个过程很简单. Tell the new company that you want to 转移 funds from an existing IRA, 给他们详细的账户信息. The two companies will handle the 转移 for you.
有些人对建立一个 退休帐户 because they are afraid that they will make the wrong investment choices. The 转移 privilege may help give you confidence, 因为如果你的投资需要改变, 你可以轻松地转移你的个人退休账户.
