IRA: Required Minimum Distributions
Generally, regulations require traditional and rollover IRA owners to withdraw funds beginning at age 70 1/2, and every year thereafter. Determining your Required Minimum Distribution (RMD) is significant while retaining an IRA, considering both your life expectancy and the IRA's fair market value.
The required amount for each eligible person is based on the December 31 IRA account value of the previous year and the IRA owners date of birth. Your spouse's date of birth may also be a factor if your spouse is at least 10 years younger than you. Interactive Brokers LLC provides several information resources to understand and calculate your RMD, including access to the on-line RMD Calculator.
Principal Trust Company's Role
Requesting Your RMD Withdrawal
Principal Trust Company's Role
Principal Trust Company serves as trustee of your retirement plan, providing administration and compliance service. In addition, the plan trustee is required to notify you about your RMD.
The Internal Revenue Service (IRS) requires the plan trustee, Principal Trust Company, to notify IRA owners about the RMD requirements by January 31 each year. If you turn 70 1/2 this year, you are required to begin taking RMDs before April 1 of the following year.
Eligible IRA owners must begin receiving withdrawals by December 31 of the year they reach age 70 1/2. The first RMD withdrawal, however, may be delayed until April 1 of the following year.
If you elect to delay the withdrawal, then please observe the following considerations: (1) Two RMD withdrawals will be required the following year, the undistributed initial RMD and the new RMD. (2) The new RMD will be slightly larger due to the December 31 market value's inclusion of the undistributed initial RMD.
Subsequent RMD withdrawals from your IRA must be distributed by December 31 to avoid a penalty tax.
Note: Roth IRAs are exempt from the RMD rules during the IRA owner's lifetime.
Requesting Your RMD Withdrawal
Log in to your Interactive Brokers account through Account Management to request an IRA withdrawal of funds. IRA distribution forms available through Principal Trust Company will not authorize or execute a withdrawal from your account.
The IRS provides two Life Expectancy Tables in order to obtain the IRA owner's life expectancy. Your IRA beneficiary election may play an important factor in determining your RMD.
The RMD is determined by dividing your account's prior year December 31 value by your life expectancy factor as taken from the IRS life expectancy tables. This RMD must be calculated for each of your IRA accounts. Principal Trust Company updates the RMD Calculator each year with data from the IRS' current Life Expectancy Tables. See also the IRS Publication 590 to review the tables.
In addition, Principal Trust Company's January RMD notification includes a method for calculating your amount.
Note: If you have multiple IRAs, then you may combine the total year end values and take the distribution from one, each, or any combination of your IRAs.
Click here to return to the Retirement Account Resource page.
Disclaimer: IB does not provide tax advice. These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any international, federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor. We recommend that you consult a qualified tax adviser or refer to the U.S. Internal Revenue Service.
IRA: Retirement Account Resource Center
IMPORTANT NOTE: This article has been customized for use by self-directed Individual Retirement Account (IRA) owners for information purposes only. Persons are encouraged to consult a qualified tax professional with the investments and elections within the IRA. IB does not provide tax advice. For detailed information regarding IRAs, you may consult the IRS Publication 590.
Through Delaware Charter and Trust Company, doing business as Principal Trust Company, Interactive Brokers offers a variety of Individual Retirement Accounts (IRAs). This resource center provides a central navigation into the resources, procedures and Account Management navigation of the retirement accounts below.
Important IRA dates to consider are listed below.
Important Notice - Select 2012 Tax Reporting for key information with 2012 transactions and tax reporting in your IRA.
Account Management IRA Reference
Beneficiary Options
Recharacterizations from a Roth IRA
Required Minimum Distributions
Important Dates To Consider
Please check the calendar often. Some dates subject to change.
Jan. 31: RMD Notice - Required Minimum Distribution notices sent to account holders age 70 1/2 by December 31.
Tax Form 1099-R - IB posts the tax forms which confirm prior year distributions.
2012 Charitable Distribution - Last date for eligible distributions to to be recharacterized as made on December 31, 2012. Also, the final date to transfer December 2012 distributions to a qualified charity as a qualified charitable distribution.
Apr. 15: Excess Contributions - IRS Deadline to withdraw excess IRA contributions for the prevous tax year.
IRA Open/Funding - Deadline to establish and fund an IRAs for the previous tax year.
Roth/Traditional Contribution - Deadline for prior tax year IRA contributions.
SEP - Deadline for prior tax year employer and employee non-elective contributions.
May 31: Tax Form 5498 - IB posts the tax forms which confirm prior year contributions.
Sept. 30: IRA Beneficiary - IRS cutoff to identify "designated beneficiary" of previous year deceased IRA owners.
Dec. 27: RMD- Interactive Brokers cut-off to submit a Required Minimum Distribution as 2012 distribution.
Distributions - Interactive Brokers cut-off to submit a 2012 IRA distribution.
IRS Circular 230 Notice: These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor.
Wie kann ich das IB Sicherheitsgerät an Interactive Brokers LLC zurückschicken?
Background:
Falls Sie Ihr Sicherheitsgerät an IB zurückschicken müssen (durch Beschädigung, Kontokonsolidierung oder Kontoschliessung), folgen Sie bitte den unten aufgelisteten Instruktionen:
Falls Sie Ihr Sicherheitsgerät an IB zurückschicken müssen (durch Beschädigung, Kontokonsolidierung oder Kontoschliessung), folgen Sie bitte den unten aufgelisteten Instruktionen:
- Laden und drucken Sie das Sicherheitslogingerät Rücksendeformular.
- Füllen Sie das Formular aus und packen Sie es zusammen mit dem Sicherheitsgerät ein.
- Schicken Sie das Paket an eine der unten aufgeführten Adressen.
Zu Ihrem Schutz empfehlen wir Ihnen einen gepolsterten Umschlag und einen Kurierservice mit Verfolgungsnummer (z.B. UPS, FedEx, DHL oder Deutsche Post Express Post) zu benutzen, da Sie für die Rücksendung verantwortlich sind im Falle eines Verlusts auf dem Weg zu unseren Büros. Bitte erlauben Sie die Dauer von 3 Tagen für den Erhalt und die Entfernung des Sicherheitsgeräts von Ihrem Konto. Bitte beachten Sie, dass die Lieferungszeit je nach Kurier Verspätung haben kann.
Zusätzliche Aktionen für Ersatzgeräte
Falls dies eine Ersatzgeräterücksendung und keine Kontoschliessungsrücksendung ist, rufen Sie bitte unsere technische Hilfsdienstabteilung unter 00800-42-276537 Option 2, 3 und die 2 an, um uns über Ihr defektes Gerät zu informieren und, damit wir Ihnen einen temporären Token zum weiteren Einloggen in die Kontoverwaltung und Trader Workstation aktivieren und zur Verfügung stellen können, bis das neue Ersatzgerät bei Ihnen eingetroffen ist. IB stellt mehrere verschiedene Gerätetypen zur Verfügung und die Ersatzprozederen dafür sind unten aufgeführt:
Für Platinum User:
Falls Sie Ihr Platinum Sicherheitslogingerät zurückschicken (Bild 1) und ein Ersatzgerät benötigen, müssen Sie in der Kontoverwaltung ein neues Gerät beantragen. Dies ist nötig wegen der erhöhten Sicherheitsfunktionen dieses Geräts. Sie können nur ein neues Gerät beantragen sobald IB den Erhalt des zurückgesendeten Geräts bestätigt hat, weil nur ein Sicherheitsgerät an einen User des Kontos gelinked werden kann. Nach der Anfrage stellen Sie bitte sicher, dass Sie die Bestätigungsseite der Anfrage, welche Ihre zur Aktivierung benötigten PIN Nummer und Ihren einzigartigen Passsatz enthält, ausdrucken.
Exhibit 1
Für Alpine User:
Falls Sie ein Alpine Sicherheitslogingerät zurückschicken (Bild 2), wird IB ein Ersatzgerät basierend auf der positiven Eingabe 'Ja' auf die Frage 'Benötigen Sie ein Ersatzgerät?' des SLS Rücksendefomulars reagieren. Es benötigt keine weiteren Aktionen auf unserer Webseite.
Exhibit 2
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Für Digitale Sicherheitskarten (DSC) User:
Falls Sie eine Digitale Sicherheitskarte zurückschicken und ein Ersatzgerät benötigen, loggen Sie sich in die Kontoverwaltung ein und bestellen eine neue Karte. Dies ist nötig wegen der PIN Funktion dieser Karte. Bitte merken Sie sich Ihren PIN für den Aktivierunsprozess der Karte.
Für Sichereitsloginkarten User:
Dieser Kartentyp muss nicht zurückgeschickt werden und kann zerstört werden.
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| Postadresse für US & Kanadische Kunden: | Postadresse für EU & Asiatische Kunden: | Postadresse für Australische Kunden: |
|
Interactive Brokers, LLC.
Attn: Token Return Department
2 Pickwick Plaza
Greenwich, CT 06830
(203) 618-4006
|
Interactive Brokers (U.K.) LTD. Attn: Token Return Department
Gotthardstrasse 3
CH-6301 Zug
Switzerland
+41-41-726-9500
|
Interactive Brokers, LLC. |
Kontoschliessung
Nach Schliessung des Kontos und Rücksendung des Sicherheitsgeräts können Sie sich weiterhin in die Kontoverwaltung einloggen um Kontoauszüge oder Steuerformulare anzuschauen und/oder zu drucken. Nach der Schliessung können Sie sich ohne das Sicherheitsgerät mithilfe von Usernamen und Passwort in die Kontoverwaltung einloggen.
Für weitere Fragen oder Unklarheiten wenden Sie sich bitte an unsere erfahrenen Sicherheitsspezialisten unter 00800-42-276537 Option 2, 3 und die 2, oder schicken Sie eine Email an tac@interactivebrokers.com
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Für Informationen zur Ersatzgerätegebühr für verlorene, gestohlene, zerstörte oder nicht zurückgeschickte Sicherheitsgeräte schauen Sie sich KB1861 an.
Aktivierung einer Online Sicherheitscodekarte
Übersicht:
Die Online Sicherheitscodekarte dient als temporäre Lösung für Kunden, die keinen Zugriff auf Ihr permanentes Sicherheitsgerät besitzen und einen temporären Token zum Einloggen beantragt haben.
Hintergrund:
Die Online Sicherheitscodekarte dient als temporäre Lösung für Kunden, die keinen Zugriff auf Ihr permanentes Sicherheitsgerät besitzen und einen temporären Token zum Einloggen beantragt haben. Nach Aktivierung des temporären Tokens empfiehlt IB den Kunden sich in die Kontoverwaltung einzuloggen und die Online Sicherheitscodekarte zu aktivieren, die folgende Vorteile mitbringt:
- Erhöhte Sicherheit vor Internethackern durch die Abfrage zufälliger Codes beim Login;
- Verlängert das Zeitfenster (21 Tage ggü. 2 für temporären Token) zum Erhalt und zur Reaktivierung des permanenten Sicherheitsgeräts, wodurch die Online Sicherheitscodekarte deaktiviert wird;
- Erlaubt Rücküberweisungen und Informationsänderungen ohne die Restriktionen, die durch die Aktivierung des temporären Tokens entstehen;
- Kann direkt in der Kontoverwaltung erstellt und aktiviert werden und erlaubt die Reaktivierung des permanenten Sicherheitsgeräts ohne Kontakt zum Kundendienst.
Die Schritte zur Aktivierung der Online Sicherheitscodekarte lauten wie folgt:
(Falls die Menüs der Kontoverwaltung oben angezeigt werden):
1. Wählen Sie Konto verwalten, Sicherheit und Sicherheitsloginsystem;
2. Wählen Sie 'Ja, ich möchte am Sicherheitsloginsystem teilnehmen' und auf 'Fortfahren'
3. Nun wird Ihnen ein Bild der Online Sicherheitscodekarte angezeigt. Bitte drücken Sie auf die 'Drucken' Option, die sich oberhalb der angezeigten Karte befindet (oder machen Sie einen Rechtsklick mit der Maus auf die Karte um dieses Bild auf Ihrem Desktop zu speichern).
4. Drücken Sie auf die 'Bestätigen' Option um die Kartenaktivierung zu initialisieren. Zwei Kartenindexwerte erscheinen auf dem Bildschirm.
5. Geben Sie den drei-stelligen alphanummerischen Code der Karte, die zur ersten Indexnummer auf der Karte angezeigt wird, in das 'Kartenwerte' Feld ein und wiederholen Sie diesen Vorgang mit der zweiten Indexnummer ohne ein Leerzeichen zwischen den Codes einzugeben.
6 Drücken Sie auf 'Übermitteln'
7. Nach Aktivierung der Karte wird Ihnen das Ablaufdatum zusammen mit Optionen für weiterführende Aufgaben angezeigt.
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Schauen Sie KB1042 für Videoinstruktionen zum Login mit der Sicherheitscodekarte.
Schauen Sie KB1942 für Instruktionen zur Reaktivierung des permanenten Sicherheitslogingeräts
Schauen Sie KB1943 für Instruktionen zur Beantragung eines Ersatzsicherheitsgeräts
(Falls die Menüs der Kontoverwaltung links angezeigt werden)
1. Wählen Sie User Management und Secure Login System;
2. Wählen Sie 'Yes, I want to participate in the Secure Login System'
3. Nun wird Ihnen ein Bild der Online Sicherheitscodekarte angezeigt. Bitte drücken Sie auf die 'Print' Option, die sich rechts oberhalb der angezeigten Karte befindet (oder machen Sie einen Rechtsklick mit der Maus auf die Karte um dieses Bild auf Ihrem Desktop zu speichern).
4. Drücken Sie auf die 'Confirm' Option um die Kartenaktivierung zu initialisieren. Zwei Kartenindexwerte erscheinen auf dem Bildschirm.
5. Geben Sie den drei-stelligen alphanummerischen Code der Karte, die zur ersten Indexnummer auf der Karte angezeigt wird, in das 'Card values' Feld ein und wiederholen Sie diesen Vorgang mit der zweiten Indexnummer ohne ein Leerzeichen zwischen den Codes einzugeben.
6. Drücken Sir auf 'Submit'
7. Nach Aktivierung der Karte wird Ihnen das Ablaufdatum zusammen mit Optionen für weiterführende Aufgaben angezeigt.
Security Device Replacement Charge
Account holders logging into their account via IB's Secure Login System are issued a security device, which provides an additional layer of protection to that afforded by the user name and password, and which is intended to prevent on-line hackers and other unauthorized individuals from accessing their account. While IB does not charge any fee for the use of the device, certain versions require that the account holder return the device upon account closing or incur a replacement fee. Existing account holders are also subject to this replacement fee in the event their device is lost, stolen or damaged (note that there is no fee to replace a device returned as a result of battery failure).
In addition, while IB does not assess a replacement fee unless a determination has been made that the device has been lost, stolen, damaged or not returned, a reserve equal to the fee will placed upon the account upon issuance of the device to secure its return. This reserve will have no effect upon the equity of the account available for trading, but will act as limit to full withdrawals or transfers until such time the device is returned (i.e., cannot withdraw the reserve balance).
Outlined below are the replacement fee associated with each device.
| SECURITY DEVICE | REPLACEMENT FEE |
| Security Code Card | $0.00* |
| Digital Security Card | $20.00 |
| Alpine Device | $40.00 |
| Gold Device | $150.00 |
| Platinum Device | $150.00 |
For instructions regarding the return of security devices, please see KB975
*The Security Code Card is not required to be returned upon account closing and may be destroyed and discarded once remaining funds have been returned and the account has been fully closed. Access to Account Management after closure for purposes of viewing and retrieving activity statements and tax documents is maintained using solely the existing user name and password combination.
Cash Sweeps
Background
Underlying the IB Universal account are two separate sub-accounts or segments, one for the securities positions and balances which are subject to the customer protection rules of the SEC and another for the commodities positions and balances which are subject to the customer protection rules of the CFTC. This Universal account structure is designed to minimize the administrative overhead that customers would otherwise be exposed to were they to maintain two distinct accounts (e.g., transferring of cash between accounts, login and order submission through separate accounts, multiple statements, etc.) while preserving the separation required by regulation.
These regulations further require that all securities transactions be effected and margined in the securities segment of the Universal account and commodities transactions in the commodities segment.1 While the regulations allow for the custody of fully-paid securities positions in the commodities segment as margin collateral, IB does not do so, thereby limiting their hypothecation to the more restrictive rules of the SEC. Given the regulations and policies which direct the decision to hold positions in one segment vs. the other, cash remains the only asset eligible to be transferred between the two and for which customer discretion is provided.
Outlined below is a discussion as to the cash sweep options offered, the process for selecting an option as well as selection considerations.
Cash Sweep Options
Customers are provided with 3 sweep options, descriptions for which are provided below:
1. Do not sweep excess funds – under this election, excess cash does not move from one segment to another unless necessary to:
a. Eliminate/reduce a margin deficiency in the other segment;
b. Minimize a cash debit balance and therefore interest charges in a given segment. Note that this is the default option and sole option for account holders having only one of securities or commodities trading permissions.
2. Sweep excess funds into my IB securities account – here, cash balances are only held in the commodities segment to the extent necessary to satisfy the current commodities margin requirement. Any cash in excess of the margin requirement, generated as a result of either an increase in cash (e.g., favorable variation and/or transaction related) or decrease in the margin requirement (e.g., changes in the SPAN risk arrays and/or transaction related) will be automatically transferred from the commodities segment to the securities segment. Note that the account holder must have permissions to trade securities in order to select this option.
3. Sweep excess funds into my IB commodities account – here, cash balances are only held in the securities segment to the extent that they, along with any other securities positions having loan value, are needed to satisfy the current securities margin requirement. Note that the account holder must have permissions to trade commodities in order to select this option.
Other items of note:
- As the Universal account allows for cash balances to be held in a variety of denominations, a hierarchy exists for the purpose of determining which particular currency to transfer first when long balances in multiple currencies exist. In these situations the procedure is to first transfer balances denominated in the Base Currency, then USD and then the remaining long currency balances in order of highest to lowest.
- To minimize the likelihood of one segment incurring a margin deficiency following the sweep of excess cash to the other, the full excess will not be transferred and a buffer equal to 5% of the maintenance margin requirement will be retained. Similarly, to minimize the operational overhead of transferring nominal balances, balances will only be transferred if, after giving effect to the 5% margin cushion, the excess, if any, is not less than 1% of account equity or $200.
- When performing the pre-trade credit check to determine whether an account maintains sufficient equity to support a new order, excess cash maintained in one segment will be considered for trades conducted in the other (although a sweep will not occur until the trade has executed and only if it then remains necessary for margin compliance). Accounts which are designated as a Pattern Day Trader and which are subject pre-trade credit check that takes into account the prior as well as current day's equity should pay particular attention to the Selection Considerations section below.
Selecting a Sweep Option
If your Account Management version contains a series of menu options on the left-hand side, select the Account Administration and then Excess Funds Sweep menu options. If your version has menu options across the top, select the Manage Account/Settings and then the Configure Account/Excess Funds Sweep menu options. Regardless of your version, you will be presented with a screen which appears as follows:
You may then select the radio button alongside the option of your choice and select the Continue button. Your choice will take effect as of the next business day and will remain in effect until a different option has been selected. Note that subject to the trading permission settings noted above, there is no restriction upon when or how often you may change your sweep method.
Selection Considerations
While the decision to elect one segment vs. the other for the purposes of maintaining excess cash may involve subjective decisions and preferences unique to each customer (e.g. customer maintains assets which are significant and concentrated in one segment vs. the other), outlined below are several factors warranting consideration:
1. Pattern Day Trading Equity - The securities buying power of accounts designated by regulation as Pattern Day Traders (i.e., 4 or more day trades within a 5 business day period) is limited by the lesser of the current or prior day’s closing equity in the securities segment. As such, an election to sweep excess funds to the commodities segment will prevent the inclusion of such funds in this calculation, thereby potentially limiting the capacity to enter new orders. To maximize the use of equity for purposes of entering securities orders, one would need to elect to sweep excess fund to the securities segment. Note that an election to the securities segment will not impair the ability to enter commodities orders as the pattern day trading rules do not apply to such accounts.
2. Insurance – SIPC protection is afforded to assets in the securities segment and there is no commensurate insurance scheme in place for the commodities segment. That being said, balances in excess of the SIPC $250,000 cash sub-limit ($900,000 Lloyd’s cash sub-limit, where applicable) are not afforded coverage. Customers of IB Canada and IB UK are also subject coverage rules as specified by CIPF and the FSCS, respectively.
3. Interest Income – all other things being equal, customers are likely to receive the most optimal interest income on long cash balances that have not been partitioned between the securities and commodities segments as they are not aggregated for interest credit purposes (since they are subject to distinct segregation pools and reinvestment rules). This, along with the fact that credits require maintenance of a minimum cash balance and that higher balances are afforded preferential rates are factors to be considered when making a sweep election.2
Other Relevant Knowledge Base Articles:
A Comparison of U.S. Segregation Models
A Comparison of U.S. Segregation Models
Footnotes:
1As OneChicago single stock futures are a hybrid product jointly regulated by the SEC and CFTC, they can be purchased and sold in either account type. IB, however, conducts such transactions in the securities segment of the Universal account as this is necessary to provide margin relief between the single stock future and any qualifying stock or option position.
2Consider, for example, an account which maintains a long USD balance of $9,000 in each of the securities and commodities segments. Depending upon the benchmark Fed Funds Effective rate, the account would be eligible to earn interest on $8,000 ($18,000 - $10,000) if the two balances were held in a single segment, but since balances below $10,000 in either of the two segments are not eligible for interest, could not earn anything without electing a sweep option. Similarly, one would be eligible to earn interest at a higher tier if as a result of a sweep election the account holder was then able to achieve a long USD cash balance above $100,000 in a given segment. For additional information regarding interest calculations including a link to current benchmark interest rates, refer to KB39.
銀行送金による出金方法
ご出金いただく場合は、アカウントマネジメントより出金指示をご入力ください。
<アカウントマネジメントのメニューが左側に表示されている場合>
アカウントマネジメントへログインし、Funds Management（資金管理）、Fund Transfers（入金・出金）を選択してください。
※画面上部に表示されております国旗を選択することでメニューの言語切替が可能です。
<アカウントマネジメントのメニューが上部に表示されている場合>
アカウントマネジメントへログインし、Funding（入金・出金）、Fund Transfers（入金・出金）を選択してください。
※画面右上に表示されております世界地図をクリックすることでメニューの言語切替が可能です。
1． 表示される画面上でTransaction（入金・出金）より「Withdraw Funds（出金）」、Method（方法）より「Zengin Wire（国内送金）」、Instruction（指示）より「Add New Instruction（出金先の新規登録）」を選択します。
※ IBSJ口座（国内商品取引口座）をお持ちのお客様は、上部にございます日本の国旗をクリックすることでメニューを日本語に変換できます。
※ IBLLC口座（海外商品取引口座）をお持ちのお客様は、Transactionより「Withdrawal Funds（出金）」、Methodより「Wire（電子送金）」、Instructionより「Add New Instruction（出金先の新規登録）」を選択してください。
2． 次にCurrency（通貨）、Bank Location（銀行所在地）、Bank Account Number（銀行口座番号）、Account Type（口座種別）、Bank/Branch code（銀行および支店コードをスペースなしで続けて入力）等の情報を入力する画面が表示されます。これらの情報をご入力後、「Continue（次に進む）」をクリックしてAmount（金額）をご入力ください。出金確認ページを完了しますと、お客様の出金リクエストは担当部署にてレビュー後、処理されます。
※ IBLLC口座（海外商品取引口座）をお持ちのお客様には、Currency（通貨）、Bank Location（銀行所在地）、Bank Account Number（銀行口座番号）、SWIFT code（SWIFTコード）等の情報を入力する画面が表示されます。
※ マネーロンダリング防止の取り組みとして、弊社からの出金は全てお客様のIB口座名義にて出金処理されますのでご了承ください。
この他ご不明な点がございましたら、カスタマーサービスまでお問い合わせください。
www.interactivebrokers.com/en/p.php?f=customerService&ib_entity=llc
How to withdraw funds via bank wire transfer
To make a wire withdrawal to your bank account you will first need to register a new withdrawal instruction through Account Management.
<If your Account Management has menus on left side>
Once logged into Account Management, select the Funds Management and then Funds Transfers menu options. ※ You may change languages by clicking a flag shown on the top.
<If your Account Management has menus on top>
Once logged into Account Management, select the Funding and then Funds Transfers menu options.
※ You may change languages by clicking a gray global map on the right top of the screen.
1． From there you will select the Transaction Type of "Withdrawal", the Method of " Zengin Wire ", the Instruction of "Add New Instruction".
※ If you are IBLLC customers, you will select the Transaction Type of "Withdraw Funds", the Method of "Wire", and Instruction of "Add New Instruction".
2． You will then be prompted to input Currency of denomination, Bank Location, Bank Account Number, Account Type, and Bank/Branch code (no space between bank and branch codes). Once that information has been input, click "Continue" button to enter withdrawal amount. After confirmation page, your withdrawal request will be reviewed and processed.
※ IBLLC customers will be prompted to input your receiving bank details including Currency of denomination, Bank Location, Bank Account Number and SWIFT code of your bank.
※ Please note that all withdrawals will be sent in the name of IB account holder in accordance with anti-money laundering regulations.
Should you have further questions, please contact one of our Customer Service Centers.
www.interactivebrokers.com/en/p.php?f=customerService&ib_entity=llc
IRA: Charitable Distribution
Übersicht:
TAX UPDATE: The American Taxpayer Relief Act of 2012 has extended the Qualified Charitable Distribution provision through December 31, 2013.
The Act also allows IRA owners to complete a QCD in January 2013 and to re-characterize the distribution as made on December 31, 2012. IRA plan trustees, however, will not report the distribution for 2012. In addition, IRA owners may treat December 2012 IRA distributions as charitable distributions if transferred to a charity by February 1, 2013.
IRA owners 70½ or older may request an IRA distribution direct to a “qualified charity.” The following FAQs provide basic answers.
Charitable Distributions
What is a Qualified Charitable Distribution (QCD)?
What is a "qualified charity?"
Where can an IRA owner find additional information on QCDs?
Withdrawal Processing
Can IB customers submit a QCD withdrawal online?
What amount may be withdrawn? Why?
Where are the funds disbursed?
Does the distribution count towards the Required Minimum Distribution (RMD) amount?
Eligible IRA Accounts
Is the Charitable Distribution allowed from all IRAs held at IB?
Are the QCDs allowed from other IRA and retirement plans not held at IB?
QCD Tax Reporting
How is the QCD reported to the IRS?
Can any taxes be withheld from the distribution?
Do federal taxes have to be paid on the distribution?
Does a state or municipal tax have to be paid on the distribution?
Charitable Distributions
What is a Qualified Charitable Distribution (QCD)?
A distribution from an eligible IRA to an eligible charitable organization from an individual 70 ½ or older
How to determine if a charity can receive the QCD?
The IRS article "Search for Charities" and Online IRS Publication 78, Cumulative List of Organizations, contain a list of organizations eligible to receive tax-deductible charitable contributions.
Where can an IRA owner find additional information on QCDs?
IRS Publication 590
Withdrawal Processing
Can IB customers submit a QCD withdrawal online?
Yes, but not through Account Management. Requests are processed manually. The withdrawal request must be initiated by the IRA owner through a the Customer Service Message Center located within the Account Management menu. Click the header Support and Message Center to access the secure Message Center. You may submit the request directly to IB Customer Service using inquiry tickets and track the status.
What amount may be withdrawn? Why?
IB will process the tax-free QCD of any available amount from an eligible IRA. Why? Although the gifts must not exceed $100,000 per year to retain QCD status, gifts may exceed this limit.
Where are the funds disbursed?
Funds are made payable to the IRS qualified charity and sent direct to the charity. Only funds disbursed directly to the charity can be designated from your IRA as a QCD.
Does the distribution count towards the Required Minimum Distribution (RMD) amount?
Yes
Eligible IRA Accounts
Is the Charitable Distribution allowed from all IRAs held at IB?
No, see the list below. IRA owners should contact a qualified tax advisor about how to preserve QCD tax benefits. Not all distributions are created equal. A tax advisor will be able to assess an IRA owner’s best choice.
Traditional IRA > YES
Rollover IRA > YES
Roth IRA > YES
SEP IRA > NO
Education IRA > NO
Are the Charitable Distributions allowed from other IRA and retirement plans not held at IB?
No, not directly. Retirement plans, employer sponsored SEP IRAs, and Simple IRAs (account classifications not held at IB) are not eligible for a QCD election. IRA owners may be eligible to rollover assets from these plans into a traditional, rollover, or Roth IRA to take a charitable distribution. IRA owners should contact a qualified tax advisor or their retirement plan administrator.
QCD Tax Reporting
How is the QCD reported to the IRS?
Principal Trust Company, the IRA plan administrator for all IB IRAs, reports the distribution on Form 1099-R when issued.
Can any taxes be withheld from the distribution?
No.
Do federal taxes have to be paid on the distribution?
Generally, federal taxes are not paid with QCDs. But distributions in excess of the IRS limit may be subject to income tax. IB recommends that customers contact a qualified tax advisor.
Does a state or municipal tax have to be paid on the distribution?
Contact your tax advisor or local tax authority on state and municipal requirements for the distributed amount.
Disclaimer: IB does not provide tax advice. These statements are provided for information purposes only, are not intended to constitute tax advice which may be relied upon to avoid penalties under any international, federal, state, local or other tax statutes or regulations, and do not resolve any tax issues in your favor. We recommend that you consult a qualified tax advisor or refer to the U.S. Internal Revenue Service.
Overview of Fees
Clients and as well as prospective clients are encouraged to review our website where fees are outlined in detail. An overview of the most common fees is provided below:
1. Commissions - vary by product type and listing exchange and whether you elect a bundled (all in) or unbundled plan. In the case of US stocks, for example, we charge $0.005 per share with a minimum per trade of $1.00.
2. Interest - interest is charged on margin debit balances and IB uses internationally recognized benchmarks on overnight deposits as a basis for determining interest rates. We then apply a spread around the benchmark interest rate (“BM”) in tiers, such that larger cash balances receive increasingly better rates, to determine an effective rate. For example, in the case of USD denominated loans, the benchmark rate is the Fed Funds effective rate and a spread of 1.5% is added to the benchmark for balances up to $100,000. In addition, individuals who short stock should be aware of special fees expressed in terms of daily interest where the stock borrowed to cover the short stock sale is considered 'hard-to-borrow'.
3. Exchange Fees - again vary by product type and exchange. For example, in the case of US securities options, certain exchanges charge a fee for removing liquidity (market order or marketable limit order) and provide payments for orders which add liquidity (limit order). In addition, many exchanges charge fees for orders which are canceled or modified.
4. Market Data - you are not required to subscribe to market data through IB but if you do you may incur a monthly fee which is dependent upon the vendor exchange and their subscription offering. We provide a Market Data Assistant tool which assists in selecting the appropriate market data subscription service available based upon the product you wish to trade. To access, log into Account Management click on the Tools icon and then the IB Market Data Assistant link.
5. Minimum Monthly Activity Fee - as we cater to active traders we require accounts to generate a minimum in commissions each month or be charged the difference as an activity fee. The minimum is $10 per month for accounts maintaining a balance above $2,000 and $20 per month for accounts whose equity has fallen below $2,000.
6. Miscellaneous - IB allows for one free withdrawal per month and charges a fee for each subsequent withdrawal. In addition, there are certain pass-through fees for trade bust requests, options and futures exercise & assignments and ADR custodian fees.
For additional information, we recommend visiting our website at ww.interactivebrokers.com and from the Individuals page select the Fees menu option at the top of the page.
How to Deposit Funds Via an Electronic Funds Transfer (EFT)
How to initiate a deposit via an Electronic Funds Transfer
For additional information on how to deposit funds to your Interactive Brokers account please visit the Funds and Banking section on our website
