當你55歲或以后離開(kāi)你的工作
年齡59?分配規則表明，任何401k參與者可以在達到59?歲之后開(kāi)始從他或她的計劃中取款，而無(wú)需支付10％的提前退出罰款。
但是，該規則有一個(gè)例外，即允許退休，退出或在55歲時(shí)被解雇的員工從401k退出而不受處罰（“55規則”）。退休人員需要了解三個(gè)關(guān)鍵點(diǎn)。
首先，根據IRS出版物575，如果您在55歲或更晚的日歷年中的任何時(shí)間離開(kāi)您的工作，則適用此例外情況。
第二，如果你仍然有前雇主的計劃中的錢(qián)，并假設你離開(kāi)雇主時(shí)至少年滿(mǎn)55歲，你將不得不等到年齡59?才開(kāi)始取款而不受處罰。更好的是，在您退出當前工作之前，讓任何舊的401k進(jìn)入當前的401k，這樣您就可以免費獲得這些資金。
第三，此例外僅適用于從401k提取的資金。 IRA在不同的規則下運作，因此如果您退休并在年齡59?之前從您的401k匯入IRA，您將在這些美元上失去此例外。
Leaving Your Job On or After Age 55
The age 59? distribution rule says any 401k participant may begin to withdraw money from his or her plan after reaching the age of 59? without having to pay a 10 percent early withdrawal penalty.
There is an exception to that rule, however, which allows an employee who retires, quits or is fired at age 55 to withdraw without penalty from their 401k (the “rule of 55”). There are three key points early retirees need to know.
First, this exception applies if you leave your job at any time during the calendar year in which you turn 55, or later, according to IRS Publication 575.
Second, if you still have money in the plan of a former employer and assuming you weren’t at least age 55 when you left that employer, you’ll have to wait until age 59? to start taking withdrawals without penalty. Better yet, get any old 401k’s rolled into your current 401k before you retire from your current job so that you will have access to these funds penalty free.
Third, this exception only applies to funds withdrawn from a 401k. IRAs operate until different rules, so if you retire and roll money into an IRA from your 401k before age 59?, you will lose this exception on those dollars.
（聲明：此文只提供參考，勿作任何法律依據）
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