新的爱尔兰共和军继承规则要求非配偶继承人在10年内提取资金,从2025年开始。 New IRA inheritance rules require non-spouse heirs to withdraw funds within 10 years, starting in 2025.

自2020年以来,非配偶继承人必须在10年内清空继承的IRA,其中一些需要从2025年开始接受最低分配,否则将面临25%的罚款. Since 2020, non-spouse heirs must empty inherited IRAs within 10 years, with some needing to take required minimum distributions starting 2025 or face a 25% penalty. 常见的错误包括等到去年才提取资金,导致更高的税收,或者在不考虑税收影响的情况下迅速兑现。 Common mistakes include waiting until the last year to withdraw funds, leading to higher taxes, or cashing out quickly without considering the tax impact. 专家建议在10年时间里分散提款,并与税务顾问协商,以避免处罚和尽量扩大意外收益。 Experts advise spreading out withdrawals over the 10 years and consulting with tax advisors to avoid penalties and maximize the windfall.