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IRA取款规则
一般而言，您应该考虑三方面：
- 提早取款
- 正常免罚金取款
- 最低取款要求(RMD)
您还应该在取款前了解每一种账户的规则和要求。参看以下列表。
美国退休法案（SECURE Act）在2020年对于退休要求和最低取款要求（RMD）有所变化
如果您将在2019年12月31日以后达到70½岁，那么您可以等到年满72岁再开始从您的退休账户提取RMD。还有更多改变可能会影响您的退休储蓄。我们正在更新我们的网站以反映这些变化。了解更多关于SECURE Act法案以及退休变化。
IRA取款
传统IRA | 罗斯IRA | |
|---|---|---|
免罚金取款： | 传统IRA 59½岁开始 | 罗斯IRA 对于取款：总适用 对于取款的盈利/利息：59½岁开始， 若IRA开设已超过5年 |
最低取款要求(RMD)： | 传统IRA 如果您在2020年1月1日以前年满70½岁：从70½岁开始 如果您在2020年1月1日以后年满70½岁：从72岁开始 | 罗斯IRA 没有最低取款要求(RMD) |
您的IRA取款选择
德美利证券为您提供数种提取IRA资金的方法，您可以设立自动取款、转移资金到另一个账户或转移持有的部分资产。了解每一个选择的特征和好处。
一次性取款或设立自动取款
快捷方便从您的德美利证券账户转移资金到您的银行账户，您可以一次性取款或从您的IRA为提早、正常和最低取款要求设定自动取款。
直接使用您账户的资金
如果您已到了59½岁，您可以从账户开支票取款，同时管理您的账单。由IRA账户中开的支票将视为从IRA账户的正常取款。正常取款是免罚金，但提款需缴税。
在德美利证券账户之间转移资产
当提取要求取款时，您可考虑将您传统IRA账户转移资金到标准经纪账户。在不同类型账户之间转移可能会有额外要求。
预扣税
如果您要求从您的个人退休账户（IRA）进行取款，而没有就州预扣税进行选择，则您的居住州可能要求以法定最低税率预扣。提供此信息是为了帮助您了解州所得税对于IRA取款的预扣税要求。德美利证券不提供税务建议，也不能保证州预扣税信息的准确性，因为州法律可能会发生变化并且可能有不同理解。
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
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 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 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. You cannot elect less than 5% if you choose to withhold.
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.