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IRA取款規則
一般而言，您應該考慮三方面：
- 提早取款
- 正常免罰金取款
- 最低取款要求(RMD)
您還應該在取款前了解每一種賬戶的規則和要求。參看以下列表。
美國退休法案（SECURE Act）在2020年對於退休要求和最低取款要求（RMD）有所變化
如果您將在2019年12月31日以後達到70½歲，那麼您可以等到年滿72歲再開始從您的退休賬戶提取RMD。還有更多改變可能會影響您的退休儲蓄。我們正在更新我們的網站以反映這些變化。了解更多關於SECURE Act法案以及退休變化。
IRA取款
傳統IRA | 羅斯IRA | |
|---|---|---|
免罰金取款： | 傳統IRA 59½歲開始 | 羅斯IRA 對於取款：總適用 對於取款的盈利/利息：59½歲開始， 若IRA開設已超過5年 |
最低取款要求(RMD)： | 傳統IRA 如果您在2020年1月1日以前年滿70½歲：從70½歲開始 如果您在2020年1月1日以后年滿70½歲：從72歲開始 | 羅斯IRA 沒有最低取款要求(RMD) |
您的IRA取款選擇
德美利證券為您提供數種提取IRA資金的方法，您可以設立自動取款、轉移資金到另一個賬戶或轉移持有的部分資產。了解每一個選擇的特征和好處。
一次性取款或設立自動取款
快捷方便從您的德美利證券賬戶轉移資金到您的銀行賬戶，您可以一次性取款或從您的IRA為提早、正常和最低取款要求設定自動取款。
直接使用您賬戶的資金
如果您已到了59½歲，您可以從賬戶開支票取款，同時管理您的賬單。由IRA賬戶中開的支票將視為從IRA賬戶的正常取款。正常取款是免罰金，但提款需繳稅。
在德美利證券賬戶之間轉移資產
當提取要求取款時，您可考慮將您傳統IRA賬戶轉移資金到標準經紀賬戶。在不同類型賬戶之間轉移可能會有額外要求。
預扣稅
如果您要求從您的個人退休賬戶（IRA）進行取款，而沒有就州預扣稅進行選擇，則您的居住州可能要求以法定最低稅率預扣。提供此信息是為了幫助您了解州所得稅對於IRA取款的預扣稅要求。德美利證券不提供稅務建議，也不能保證州預扣稅信息的准確性，因為州法律可能會發生變化並且可能有不同理解。
Alabama Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Alaska:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Arizona Allows :
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Arkansas Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
California Has :
A Mandatory State Income Tax Withholding
State income tax will be withheld regardless of federal income tax election, unless you elect not to withhold. If you make no election, California requires that withholding be taken at the minimum rate of 10% of federal withholding election.
Colorado Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Connecticut Allows :
Mandatory State Income Tax Withholding
Connecticut requires state income tax for all distributions. If you make no election, Connecticut requires that withholding be taken at the minimum rate of 6.99% on distributions from retirement accounts.*
*The state of Connecticut requires 6.99% tax withheld on distributions from retirement accounts. Residents can choose to have a smaller percentage withheld, or opt out of withholding entirely, by submitting a new distribution form and a Connecticut Form W-4P. The forms can be mailed to us at the address shown at the top of the distribution form, or faxed to us at 866-468-6268. Please note that reducing or eliminating this withholding may subject you to underpayment penalties. We suggest you consult with a tax-planning professional for more information.
Delaware Has :
A Mandatory State Income Tax Withholding
State income tax will be withheld regardless of federal income tax election, unless you elect not to withhold. If you make no election, Delaware requires that withholding be taken at the minimum rate of 5.00%.
District of Columbia Has :
A Mandatory State Income Tax Withholding When Federal Income Tax is Withheld
If electing a total distribution, you must elect to withhold state income tax when federal income tax is withheld from your distribution. If you do not make an election, District of Columbia requires that withholding be taken at the minimum rate of 8.95%.
If electing a partial distribution, State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Florida:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Georgia Allows:
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Hawaii:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Idaho Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Illinois Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Indiana Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Iowa Has :
A Mandatory State Income Tax Withholding
State income tax will be withheld regardless of federal income tax election, unless you elect not to withhold. If you make no election, Iowa requires that withholding be taken at the minimum rate of 5.00%.
Kansas Has :
A Mandatory State Income Tax Withholding
State income tax will be withheld regardless of federal income tax election, unless you elect not to withhold. If you make no election, Kansas requires that withholding be taken at the minimum rate of 5%
Kentucky Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Louisiana Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Maine Has :
A Mandatory State Income Tax Withholding When Federal Income Tax is Withheld
You must elect to withhold state income tax when federal income tax is withheld from your distribution. If you do not make an election, Maine requires that withholding be taken at the minimum of 5.00%.
Maryland Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage. You cannot elect less than $5 if you choose to withhold.
Massachusetts Has :
A Mandatory State Income Tax Withholding When Federal Income Tax is Withheld
You must elect to withhold state income tax when federal income tax is withheld from your distribution. If you do not make an election, it will be withheld at the maximum rate of 5.1%.
Michigan Has :
A Mandatory State Income Tax Withholding
Michigan requires state income tax for all distributions. If you make no election, Michigan requires that withholding be taken at the minimum rate of 4.25% on distributions from retirement accounts.*
*The state of Michigan requires 4.25% tax withheld on distributions from retirement accounts. Residents can choose to have a smaller percentage withheld, or opt out of withholding entirely, by submitting a new distribution form and a Michigan Form W-4P. The forms can be mailed to us at the address shown at the top of the distribution form, or faxed to us at 866-468-6268. Please note that reducing or eliminating this withholding may subject you to underpayment penalties. We suggest you consult with a tax-planning professional for more information.
Minnesota Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Mississippi Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Missouri Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Montana Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage. You cannot elect less than $10 if you choose to withhold.
Nebraska:
State Income Tax Withholding
Premature distributions have voluntary withholding elections with no minimums. State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
All other distributions you must elect to withhold state income tax when federal income tax is withheld from your distribution. If you do not make an election, it will be withheld at the minimum rate of 5%.
Nevada:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
New Hampshire:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
New Jersey Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage. You cannot elect less than $10 if you choose to withhold.
New Mexico Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
New York Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage. You cannot elect less than $5 if you choose to withhold.
North Carolina Has :
A Mandatory State Income Tax Withholding
North Carolina requires state income tax for all distributions. If you make no election, North Carolina requires that withholding be taken at the minimum rate of 4.00% on distributions from retirement accounts.†
**The state of North Carolina requires 4.00% tax withheld on distributions from retirement accounts. Residents can choose to have a smaller percentage withheld, or opt out of withholding entirely, by submitting a new distribution form and a North Carolina Form NC–4P. If your distribution is an eligible rollover distribution, you do not have the option of electing not to have State income tax withheld from the distribution. The forms can be mailed to us at the address shown at the top of the distribution form, or faxed to us at 866-468-6268. Please note that reducing or eliminating this withholding may subject you to underpayment penalties. We suggest you consult with a tax-planning professional for more information.
North Dakota Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Ohio Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Oklahoma Has :
A Mandatory State Income Tax Withholding When Federal Income Tax is Withheld
You must elect to withhold state income tax when federal income tax is withheld from your distribution. If you do not make an election, Oklahoma requires that withholding be taken at the minimum rate of 5.00%.
Oregon Has :
A Mandatory State Income Tax Withholding
State income tax will be withheld regardless of federal income tax election, unless you elect not to withhold. If you make no election, Oregon requires that withholding be taken at the minimum rate of 8.00%.
Pennsylvania Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Rhode Island Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
South Carolina Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
South Dakota:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Tennessee:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Texas:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
Utah Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Vermont Has :
A Mandatory State Income Tax Withholding
State income tax will be withheld regardless of federal income tax election, unless you elect not to withhold. If you make no election, Vermont requires that withholding be taken at the minimum rate of 30% of federal withholding election.
Virginia Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Washington:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.
West Virginia Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage.
Wisconsin Allows :
Voluntary State Income Tax Withholding
State income tax will be withheld only if you instruct us to do so. If you want state income tax to be withheld, you must indicate the amount or percentage. You cannot elect less than $5 if you choose to withhold.
Wyoming:
Prohibits State Income Tax Withholding
State income tax will not be withheld from your distribution, even if you elect to withhold state income tax.