Sushi Money 寿司的钱

Do you worry about how your IRA is doing these days?你是否担心，关于如何为您的爱尔兰共和军做的这些日子呢？ If so you’re not alone, but what exactly you do about that is an entirely different question.如果是的话您并不孤单，但究竟你做这是一个完全不同的问题。 Walter Updegrave discusses one reader’s concerns about this very issue in IRA freefall: Cash out or hold pat? .沃尔特updegrave讨论一读者的关注，这个问题在爱尔兰共和军freefall ：现金或持有干什么？ 。

Basically the reader’s question showed that he/she really had no idea about what their IRA was even invested in, or what strategy they had for investing in the first place.基本上读者的问题，表明他/她真的不知道什么是他们的爱尔兰共和军，甚至在投资，或采取什么策略，他们的投资摆在首位。 This is not uncommon, especially for most people who begin an IRA without the help of a professional advisor.这是并不罕见，尤其是对大多数人来说谁一开始，爱尔兰共和军没有帮助一个专业顾问。 For many of us, the IRA is the second place we save money for retirement after the employer’s retirement plan at work.对我们许多人，爱尔兰共和军是第二位的，我们节省金钱，为退休后，雇主的退休计划的工作。 Because it is a retirement fund though, we often worry about how it’s doing.因为它是一个退休基金，虽然，我们常常担心它如何做。 It’s not very much fun to get statements in the mail showing the IRA value has declined over several months, especially if you’re close to retirement.这不是很有趣，获得报表在邮件中显示，爱尔兰共和军的价值已下降了数个月，特别是如果您接近退休。

Do You Really Want the Money Now? There are many better options than to simply liquidate the IRA, take the money and plunk it in a bank or CD account. 您真的想要钱，现在呢？有很多更好的选择，比简单地清算，爱尔兰共和军，以金钱和plunk它在银行或CD的帐户。 Doing that could be a very costly mistake, and result in a bundle in taxes and penalties with the IRS next year if it’sa traditional, deductible IRA.这样做，可能是一个非常昂贵的错误，结果在一个捆绑的税金及罚款与国税局明年如果是传统的，扣除爱尔兰共和军。 First, if it’s not a qualified withdrawal or rollover, you’ll have to pay a 10% penalty on the amount withdrawn if you’re younger than age 59 1/2, and then you’ll have to pay taxes on the withdrawal amount as well.第一，如果它不是一个合格的撤回或过渡，您要付出10 ％的罚款金额就撤回如果您年龄小于59岁1 / 2 ，然后您必须照章纳税，就提款金额，以及。 Depending upon the size of your account, that could be a lot of money, could set you back years, and basically you may be starting all over with far less than you had if you had just left things alone.取决于您帐户大小，可很多钱，可以设置你回年，基本上你可能会开始，都与远少于你如果你刚离开的东西。

If it’sa Roth IRA, you should be able to take out tax-free distributions anytime , as long as you are only withdrawing contributions that you have made to the account.如果这是罗斯IRA ，您应该能够拿出免税分布在任何时间 ，只要你只收回的贡献，你提出的该帐户。 This is not true for a traditional, deductible IRA.这是不正确的一项传统，扣除爱尔兰共和军。 But even with a Roth IRA, if you take out excess contributions or earnings, you may be taking an unqualified distribution , and may owe taxes or penalties.但即使是罗斯IRA ，如果你采取了过剩的贡献或收入，您可能会采取一种无条件的分布 ，并可能欠税或处罚。 But the beauty of the Roth IRA is that you can take out money that you have put in just about any time you want.但美丽的罗斯IRA的是，您可以拿出钱，你提出的，在短短约任何时候你想。 You just cannot take out any earnings or gains on the money you have deposited over time.你刚才不能采取任何收入或收益，这些钱你已交存随着时间的推移。

* If you are considering closing your Roth IRA or taking out earnings, there are special rules for distributions . *如果您正在考虑关闭您的罗斯IRA或采取列收入， 有特殊的规则分布 。 And the distribution rules for Traditional (deductible) IRAs are different.和分布规律，为传统的（扣除）国内税务局是不同的。

But I Want My Money! In either case, let’s say you became really worried and closed your IRA account- within the last 60 days. 但我想我的钱！在这两种情况下，假设您成为真的担心，并关闭您的爱尔兰共和军帐户内的最后60天。 In that case you may be in luck- you’re entitled to one rollover each year, as long as you do so within 60 days.在这种情况下您可能会在运气-您有权一过渡每年，只要你这样做，在60天内。 So yes, technically, you can take out all of your IRA money, look around for a good long while, and then re-deposit it in a new account in less than 60 days and you won’t owe any taxes or penalties.所以是的，在技术上，您可以拿出您所有的爱尔兰共和军的钱，环顾四周，有一个良好的长期而，然后再重新存款，它在一个新帐户在少于60天，你将不会欠任何税金或罚款。 Some folks even do this as a short-term loan.一些乡亲，甚至以此作为短期贷款。 But you better make sure to get that money back in a new account in less than 60 days!但是，更好地为您一定要得到这笔钱早在一个新帐户在少于60天！

But guess what?但猜什么？ If you close your IRA outright, financial institutions are normally required to deduct 20% automatically for federal taxes.如果您关闭您的爱尔兰共和军买断卖断，金融机构通常须扣除20 ％ ，自动为联邦税。 And if you get busy and don’t find or receive the new IRA paperwork in time to get that money back in a new account within 60 days, you just may have taken an unqualified distribution, and won’t be able to complete a rollover.如果你忙，并没有找到或接收新文件，爱尔兰共和军在时间，拿到的钱早在一个新的帐户在60天内，你刚才可能采取的一个不合格的分配，将无法完成过渡。 But at least a good chunk of the taxes are paid already, right?但至少有一个良好的大块的税收支付，已经，对不对？ Ugh. ugh 。 That’sa less than ideal way to loan yourself money or try to keep it from losing value in the market. that'sa不到理想的方法，以贷款自己的钱，或尝试以保持其从失去的价值在市场上。 And you just started over- while you do have most of the money, your IRA is gone.和你刚刚开始过，而你也有大部分的金钱，您的爱尔兰共和军是荡然无存。 You’ll have to start a new one if you want another IRA.您必须开始一个新的如果您想要另一个爱尔兰共和军。

What’sa rollover really for? Usually a rollover is used to move retirement money from an employer’s plan into your own IRA. 什么是过渡真的吗？通常过渡是用来动议退休的钱从一个雇主的计划，到您自己的爱尔兰共和军。 Or from one compan’s retirement plan, to your IRA and then to a new company’s retirement plan.或从一，公司的退休计划，到您的爱尔兰共和军，然后到一个新的公司的退休计划。 It can also be used if you are moving IRA money from one institution to a new IRA at another institution to develop a new or different portfolio and investing strategy.它也可以用于如果您正在爱尔兰共和军的钱从一个机构到一个新的爱尔兰共和军在另一个机构，以制定一项新的或不同的投资组合和投资策略。 Keep in mind that IRA rollovers are reportable transactions for IRS tax purposes, and you can only do this once per year.请记住，爱尔兰共和军翻车是申报的交易国税局税的目的，和你只能这样做每年一次。 Some professionals believe that employers retirement plans may offer better options than an IRA over the long term.一些专业人士认为， 雇主的退休计划，可提供更好的选择 ，比1超过爱尔兰共和军的长远目标。 But it’s too easy to say that one is better than another outright.但它的太容易说，一个是优于另一种买断卖断。 If you are comfortable with your employer’s plan, that’s great.如果你是舒适与您的雇主的计划，认为的伟大。 Just make sure it is diversified over time.只要确定它是多样化的一段时间。 I like the option of spreading the wealth around, and having my own IRA at another institution such as Vanguard.我喜欢的选择，蔓延的财富，靠近，并有我自己的爱尔兰共和军在另一个机构，如急先锋。 Plus if you have your own IRA established, it can serve as a transfer vehicle if you move from one job to another throughout your career.再加上如果你有自己的爱尔兰共和军成立，它可以作为一个转运车如果您从一个工作到另一个您的整个职业生涯。

If you are just trying to move your IRA from one place to another, there’sa better way.如果您只是想提出你的爱尔兰共和军从一个地方到另一个地方，有更好的办法。 Simply work with the new institution first, and you can transfer your IRA to a different bank, brokerage company or other financial institution. An IRA transfer is different from an IRA rollover. With a transfer you are simply moving some or all of your money to a different institution.简单的工作与新机构的第一，您可以转移您的爱尔兰共和军到不同的银行，经纪公司或其他金融institution.â 爱尔兰共和军的转让是不同的爱尔兰共和军在过渡与转移您只是移动的部分或全部你的钱到不同的机构。 This is often called a trustee-to-trustee transfer. You can make unlimited transfers each year, and a transfer is a non-reportable transaction for income tax purposes.这是通常被称为受托人向受托人的转移。你可以作出无限的转移，每年和转让是一个非申报的交易所得税的目的。 The new institution will simply help you fill out the required forms and paperwork to transfer your IRA directly to a new account, and you will never see the money personally.  A little paperwork and you’re done!新机构将帮助您只需填写必要的表格和文件传送您的爱尔兰共和军直接向一个新的帐户，您将再也看不到钱personally.â有点文书和您就大功告成了！

What Can I Do With My IRA?   So back to our original discussion: Why do people transfer IRAs and what else can we do with them? 我能做些什么与我的爱尔兰共和军？ â所以回到我们原来的讨论：为什么人转移国内税务局和我们还可以做些什么与他们呢？ Even though IRAs have been around for many years, many people are just now realizing the power of an IRA.即使国内税务局已经靠近了很多年，很多人现在刚开始实现的权力爱尔兰共和军。 Your IRA can hold just about any type of assets in it.您的爱尔兰共和军可容纳约任何类型的资产在它。 It’s just an account- and what you keep inside of it is up to you.这只是一个帐户，以及您该如何保持内，这是取决于您的意愿。 You can have a money market fund for your IRA, or a mutual fund, or a basket of stocks.您可以有一个货币市场基金为您的爱尔兰共和军，或互惠基金，或与一篮子股票。 Your IRA can be with a bank, or a mutual fund company or as a brokerage account.您的爱尔兰共和军，可与银行，或互惠基金公司或作为一个经纪帐户。 Just because you opened the IRA with the bank down the street doesn’t mean you have to keep it there.只是因为你打开了，爱尔兰共和军与银行沿着大街，并不意味着你要保持它有。 You can move and re-establish that IRA with a new financial institution, and develop an entirely new strategy for investing for retirement.你可以移动和重新建立认为，爱尔兰共和军与一个新的金融机构，并建立一个完全新的战略投资，为退休。

Let’s say you completed the paperwork for the transfer- it may take a few weeks to get to the new institution.让我们说你完成的文件为转移，可能需要几个星期到新的机构。 But once your money is in the new account, you can begin to implement your new goals and strategy.  For example, you may have transferred an IRA from a bank to a mutual fund company like Vanguard.  You can choose the type of mutual fund you want your money transfered to when you open the new account.  After the money is in that account, you can also re-allocate or direct some of that money to new mutual funds.但是，一旦你的钱是在新的帐户，您就可以开始实施您的新目标和strategy.â例如，您可能已转爱尔兰共和军从一家银行的互惠基金公司一样， vanguard.â您可以选择的类型相互基金您希望您的钱转移到当您打开新account.â后，这笔钱是在这个帐户，您也可以重新分配，或直接一些钱，以新的互惠基金。

That’s basically how I approach it.  I prefer a well diversified portfolio of mutual funds in my IRA, along with a money market fund- what I call my Super Charged IRA .这基本上是我如何的做法， it.â我宁愿一个多元化的投资组合，互惠基金在我的爱尔兰共和军，随着货币市场基金是什么我呼吁我的超级被控爱尔兰共和军 。 Why?为什么？ Each year when I make my IRA contribution, it goes right into that money market fund.每年，当我的爱尔兰共和军的贡献，这是不言而喻的权利，进入货币市场基金。 Then I can decide when and where I want the money in that money market fund to go.然后我才可以决定何时，何地，我想这些钱在这方面货币市场基金的路要走。 Then I divide it, or allocate that money into different mutual funds.然后我鸿沟，或拨出这笔钱分成不同的互惠基金。 All within my one single IRA.所有在我的一单，爱尔兰共和军。 If I want to, I can even move money from the more aggressive stock mutual funds back into the money market fund.如果我想，我什至可以移动的钱，从更积极的股票共同基金重新纳入货币市场基金。 Normally I work on finding the right mutual funds, allocate the money, and then leave it alone.通常我工作的就找到正确的互惠基金，拨出的钱，然后离开它。 I try not to worry about the ups and downs of the market.我尝试不用担心，对于跌宕起伏的市场份额。 It’sa strategy that works for me.这是战略工程，对我来说。

And that’s an important aspect of the article cited above: Implement an IRA strategy that builds upon a portfolio of diversified investments over time.和的一个重要方面，文章列举以上：一，爱尔兰共和军实施策略，建立一个投资组合多元化的投资，随着时间的推移。 And then leave it there to grow.然后离开它有增长。 As you get closer to retirement, that portfolio of stocks, mutual funds, etc, can be adjusted to fit your risk tolerance and other needs.正如你越接近退休，即股票组合，共同基金等，可作调整，以符合您的风险承受能力和其他方面的需要。 Setting it up takes a little paperwork at first, but that’s about it.设置它需要很少的文书工作在第一，但的有关情况。

What’s the hardest part?什么样的最难的部分？ Having the patience and discipline to stick with it over time.有耐心和纪律，坚持与它随着时间的推移。 Especially when the markets show the IRA as losing value.尤其是当市场显示，爱尔兰共和军为失去价值。 But if you’re having a hard time sleeping at night, that might tell you to think about changing your strategy, or maybe that you really don’t have a strategy to begin with and need one.但如果您有一个努力的时间睡觉，在夜间，可能会告诉你想改变你的策略，或者，也许你真的没有一项战略，首先需要一。 You’re not alone- just read a few of the comments on that article.您并不孤单-刚才所宣读的一些评论，认为文章。 Most importantly however, it’s never too late to start.最重要的，但它的未为晚也开始。

* Investopedia has a great IRA information center for reference. * investopedia有一个伟大的爱尔兰共和军信息中心以供参考。 There are countless different situations involving IRAs and retirement planning.有无数不同的情况，涉及国内税务局和退休规划。 If you are considering moving a lot of money around with IRAs, be sure to consult with your financial planner and tax professional.如果您正在考虑了很多钱左右，与国内税务局，请务必咨询您的财务规划和税务专业。 It might just save you a ton of money in taxes!它可能只是为您节省一吨的金钱的税金！

* Here’sa short review of some Common IRA Rollover Mistakes to avoid. *以下是短期的检讨一些常见的爱尔兰共和军过渡的错误 ，以避免。

* Are you FAQ’s from the IRS regarding IRAs and Retirement Plans . *以下是一些常见问题的，由国税局关于国内税务局和退休计划 。

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