如果把前面工作的PENSION 在 59½ 之前LUMP SUM 出来， 要交10%惩罚税吗？ 那个说只要不在那里工作可以随时拿出来。不是401K， 或IRA。 “Generally, the amounts an individual withdraws from an IRA or retirement plan before reaching age 59½ are called "early" or "premature" distributions. Individuals must pay an additional 10% early withdrawal tax unless an exception applies.”
majia666 发表于 2025-08-07 16:27 如果把前面工作的PENSION 在 59½ 之前LUMP SUM 出来， 要交10%惩罚税吗？ 那个说只要不在那里工作可以随时拿出来。不是401K， 或IRA。 “Generally, the amounts an individual withdraws from an IRA or retirement plan before reaching age 59½ are called "early" or "premature" distributions. Individuals must pay an additional 10% early withdrawal tax unless an exception applies.”
啥情况要取 pension in a lump sum? Pension 不就是用来退休后拿到死的吗？ 只想到不幸翘了家属可以一次性取, 或者被🔥了的scenario
如果转到traditional IRA账户里的话，转的时候是不用交税和罚款的。 Yes, you can generally roll over a lump sum distribution from your pension into an IRA without incurring an immediate tax penalty, according to the IRS.
金银岛 发表于 2025-08-07 17:56 如果转到traditional IRA账户里的话，转的时候是不用交税和罚款的。 Yes, you can generally roll over a lump sum distribution from your pension into an IRA without incurring an immediate tax penalty, according to the IRS.
Whether you can receive your pension as a lump sum depends on your specific pension plan''s rules. Some plans offer this option, allowing you to take your entire pension benefit as a single payment instead of receiving monthly payments throughout your retirement. However, not all plans provide a lump sum option, and some may allow you to take part of your benefit as a lump sum and the remainder as a monthly annuity. The most crucial step is to contact your pension plan administrator to confirm if a lump sum option is available and to understand the specific rules and limitations that apply to your situation.
“Generally, the amounts an individual withdraws from an IRA or retirement plan before reaching age 59½ are called "early" or "premature" distributions. Individuals must pay an additional 10% early withdrawal tax unless an exception applies.”
啥情况要取 pension in a lump sum? Pension 不就是用来退休后拿到死的吗？ 只想到不幸翘了家属可以一次性取, 或者被🔥了的scenario
这个PENSION 是401K 以外的东西，固定收益很低。我取出来自己管理。 “用来退休后拿到死的”， 这种每年拿的钱，比市场稳定时的股市回报低。 不是教师警察那种一年十万以上那种工作。
Yes, you can generally roll over a lump sum distribution from your pension into an IRA without incurring an immediate tax penalty, according to the IRS.
是不是所有PENSION 都能转，还是有什么要求？ 我本来以为不在那公司了可以随便转。
Whether you can receive your pension as a lump sum depends on your specific pension plan''s rules. Some plans offer this option, allowing you to take your entire pension benefit as a single payment instead of receiving monthly payments throughout your retirement. However, not all plans provide a lump sum option, and some may allow you to take part of your benefit as a lump sum and the remainder as a monthly annuity.
The most crucial step is to contact your pension plan administrator to confirm if a lump sum option is available and to understand the specific rules and limitations that apply to your situation.