1. With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. Please consult with your tax professional regarding your specific situation.
2. With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation. Please consult with your tax professional regarding your specific situation.
3. A distribution from a Roth IRA is tax free and penalty free, provided the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, disability, qualified first-time home purchase, or death.
4. IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans
*Estimate based on a hypothetical opposite-sex couple retiring in 2022, 65 – years-old, with life expectancies that align with Society of Actuaries ‘ RP-2014 Healthy Annuitant rates projected with Mortality Improvements Scale MP-2020 as of 2022. Actual assets needed may be more or less depending on actual health status, area of residence, & longevity. Estimate is net of taxes. The Fidelity Retiree Health Care Cost Estimate assumes individuals bởi vì not have employer-provided retiree health care coverage calculator in years
, but bởi vì qualify for the federal government’s insurance program, Original Medicare. The calculation takes into tài khoản cost-sharing provisions ( such as deductibles và coinsurance ) associated with Medicare Part A and Part B ( inpatient và outpatient medical insurance ). It also considers Medicare Part D ( prescription drug coverage ) premiums & out-of-pocket costs, as well as certain services excluded by Original Medicare. The estimate does not include other health-related expenses, such as over-the-counter medications, most dental services & long-term care .
This information is intended mập be educational & is not tailored Khủng the investment needs of any specific investor .
Investing involves risk, including risk of loss .
The direct purchase of precious metals & other collectibles in an IRA or other retirement kế hoạch trương mục can result in a taxable distribution from that tài khoản ( except as specifically provided under IRS rules ). If precious metals or other collectibles are held in an ETF or other underlying investment vehicle, you should first confirm that such an investment is appropriate for a retirement tài khoản by reviewing the ETF prospectus or other issuing documentation và / or checking with your tax advisor. Some ETF sponsors include a statement in the prospectus that an IRS ruling was obtained providing that the purchase of the ETF in an IRA or retirement kế hoạch tài khoản will not constitute the acquisition of a collectible và as a result will not be treated as a taxable distribution .
The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged phệ consult your tax advisor before opening an HSA. You are also encouraged bự Review information available from the Internal Revenue Service ( IRS ) for taxpayers, which can be found on the IRS trang web at IRS.gov. You can find IRS Publication 969, Health Savings Accounts và Other Tax-Favored Health Plans, và IRS Publication 502, Medical và Dental Expenses, trực tuyến, or you can điện thoại tư vấn the IRS bự request a copy of each at 800-829-3676 .
For a distribution mập be considered qualified, the 5 – year aging requirement has lớn be satisfied, và you must be age 59 ½ or older or meet one of several exemptions ( disability, qualified first-time trang chính purchase, or death among them ) .
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917857517.7.0
Fidelity does not provide legal or tax advice, và the information provided is general in nature & should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation .
Estimate based on a hypothetical opposite-sex couple retiring in 2022, 65 – years-old, with life expectancies that align with Society of Actuaries ‘ RP-2014 Healthy Annuitant rates projected with Mortality Improvements Scale MP-2020 as of 2022. Actual assets needed may be more or less depending on actual health status, area of residence, & longevity. Estimate is net of taxes. The Fidelity Retiree Health Care Cost Estimate assumes individuals bởi not have employer-provided retiree health care coverage, but bởi vì qualify for the federal government’s insurance program, Original Medicare. The calculation takes into trương mục cost-sharing provisions ( such as deductibles & coinsurance ) associated with Medicare Part A and Part B ( inpatient và outpatient medical insurance ). It also considers Medicare Part D ( prescription drug coverage ) premiums và out-of-pocket costs, as well as certain services excluded by Original Medicare. The estimate does not include other health-related expenses, such as over-the-counter medications, most dental services và long-term care .
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