- Unokulondoloza kwiingxelo zombini zomhlala-phantsi, njenge-401 (k) isicwangciso okanye i-IRA, kunye nokulondolozwa kwentela emva kwe-tax, njenge-trust revocable okanye i-akhawunti ye-brokerage.
- Ngaba uneminyaka apho ingeniso ingenako, njengokuba elinye iqabane lihlala phantsi emkhatsini weminyaka, abatshatileyo bahlala phantsi kwiminyaka eyahlukileyo, okanye iqabane lihamba ngexesha lokungabikho kwemisebenzi, okanye ingeniso yenkcitho ngenxa yemisebenzi esekelwe kwikhomishini.
- Ukuba neminyaka apho ukuncitshiswa kweemali kunokuhluka, njengokuthatha imali entsha yokuhlawula imali, ukuhlawula imali yokuboleka imali, unyaka ngeendleko zonyango ezongeziweyo okanye ukuncitshiswa kwezenzo, okanye ukuthatha inxuwa entsha.
Qondisisa indlela iRhafu yomhlala phantsi ebalwa ngayo
Ukuhlawula irhafu encinane kumhlala phantsi, kufuneka uqonde ukuba imithombo yakho eyahlukeneyo yokufumana umhlalaphantsi ihlawuliswa njani. Into edlalwa yinto eninzi iyalunyaniswa ngayo yindlela eya kuhlawulwa ngayo inzuzo yakho yeNtlalo yoKhuseleko.
Kukho umgaqo osetyenziswayo ukufumanisa ukuba zininzi iintlawulo zakho zoKhuselo lweNtlalo ziya kubhatalwa. Uninzi lwabathathe umhlala-phantsi olufumana ithuba lokunciphisa inani leenzuzo zabo zoKhuselo loLuntu phantsi kohlawulo lwenkcazo ngokwenza ucwangciso lwentlawulo.
Kwincwadi yakhe, incwadi ye- A Social Security Owner , uJim Blankenship, i-CFP ® ibonisa umzekelo omhle wendlela oku kusebenza ngayo. Ngokomzekelo wakhe, omnye umhlala-phantsi uhlawula malunga neerandi ezingama-96 000 kwiirhafu ngokulungisa kwakhona kwaye kwaye bathatha njani imithombo yabo eyahlukeneyo yokufumana umhlala-phantsi.
Ukunciphisa irhafu yomhlala-phantsi kufuneka uqonde indlela iintlawulo zakho zoKhuselo loLuntu eziza kuhlawuliswa ngayo kwaye ufunde imizekelo yecwaningo lwamaxesha malunga nendlela utshatileyo uhlawula irhafu kwiiNtlawulo zeNtlalo ukuze ubone indlela othelekisa ngayo.
Isicwangciso soRhafu siSindisa imali
Iintlobo ezimbini zokucwangcisa irhafu, endibiza ngokuba yi-bracket planning planning, zinokukunceda ukunciphisa irhafu yomhlala-phantsi, kwaye ngokunjalo ukwandisa ingeniso yakho yomhlala-phantsi emva kwentela:
- Ukucwangciswa kweerhafu ezide-oku kunikeza isikhokelo esipheleleyo malunga nokuba kufuneka uhoxise kangakanani kwii-akhawunti zonyaka unyaka, kunye nendlela yokulungelelanisa imithombo yakho yengeniso kunye neenzuzo zakho zoKhuselo lweNtlalo ukubonelela ngeniso engenayo emva kwentlawulo.
- Ukucwangciswa kwentlawulo yonyaka-ngamnye ngonyaka irhafu yentlawulo kunye nokutsalwa kweentengo. Ucwangciso lwentlawulo yonyaka owenziwe ukuwa ngamnye kunyaka lunokufumanisa amathuba okucwangcisa irhafu angenakufunyanwa ngocwangciso lwerhafu lwangexesha elide lodwa.
I-Long Range Tax Bracket Planning
Ukucwangciswa kweerhafu olude kubheka iirhafu zakho zerhafu kunye nemithombo yengeniso kwaye ibonisa ukuba ungayilungisa njani imithombo yakho yengeniso ukuze unike imali engenayo emva kwentlawulo. Olu hlobo lwesicwangciso lufuna isofthiwe okanye ispredishithi esineenkcukacha zentlawulo ecacileyo ukubonisa inani lemali engenayo emva kwentela onokuyenza ngokuthatha enye inkqubo yesenzo ngokunye. Ukucwangciswa kweerhafu olude kukuncedisa ukunciphisa irhafu yomhlala phantsi ngeendlela ezimbini:
- Cwangcisa isicwangciso esiqhelekileyo malunga nokuba ususe phi imali apho iindidi zee-akhawunti zizokugcina kwi-bracket ephantsi kakhulu.
- Ukubonise indlela yokwabela utyalo-mali kwi-akhawunti yakho elandelwe irhafu kunye ne-after-tax tax ukwenzela ukunciphisa umthwalo wakho werhafu kwiminyaka yakho yomhlalaphantsi. Ingcamango yokuhlaziywa kwakhona kwetyalo-mali ukunciphisa intlawulo ehlawulwayo inika iingeniso zokugcina imali.
I-Artificial Tax Bracket Planning
Ukucwangciswa kwentlawulo yonyaka kungakunceda ufumanise amathuba oku:
- Ukubuyisa imali kwi-IRA, okanye ukuguqula imali ye-IRA kwi-Roth IRA, kwaye ukhokhe imali encinane kwirejista apho ukuncitshiswa kwakho kuphakamileyo kwaye ezinye iimithombo zengeniso ziphantsi.
- Qaphela ukulahlekelwa kwemali-mali ukuhlawula i-capital earnings, okanye ukudala ilahleko yokulahlekelwa kwemali .
- Sebenzisa iminyaka eneemali ezithintekayo eziphezulu.
- Iifom uhlobo lwe-akhawunti, iRoth okanye i-IRA rhoqo okanye i-401 (k), eya kunika inzuzo enkulu yerhafu eninzi kwixesha elixhomekeke kwimeko yakho yerhafu kulo nyaka.
Iinkonzo ezongezelelweyo
- Iindlela ezi-3 zokwenza Ucwangciso lwakho lwentela lokuphela kweNyanga
- Isicwangciso soNgeniso lweRhafu kwiShift yeNzuzo kwiBhanki ezantsi
- Iingcebiso ezi-3 zokuPhucula ukuKhutshwa kweMveliso
- Ukukhutshwa kweNzala yomhlalaphantsi ngaphambi kokuba emva kokuthatha umhlalaphantsi
Ngokwenza kokubili uluhlu olude kunye nocwangciso lwentlawulo yonyaka, abaninzi abahlala phantsi baya kuba nako ukwandisa imali engenayo yentela emva komvuzo we-$ 500- $ 4,000 ngonyaka.
Iminyaka engaphezu kwama-20 ukuya kwemashumi amathathu emhlalaphantsi, eyongezelela kwi-$ 10,000 ukuya kwii-120,000 zeengeniso ezongezelelweyo zomhlalaphantsi.
Ukufumana Uncedo kwiCandelo loRhafu loMhlalaphantsi
Kunzima ukwenza ucwangciso lwentlawulo ngaphandle kootitshala abancedisayo. Xa ufuna uncedo, khumbula abantu abaninzi abazibiza ngokuba ngabacebisi ngezezimali basebenza kwiifemu ezinkulu zokutshala imali okanye iibhanki ezithintela ukuba zinike iingcebiso zerhafu.
Kufuneka ufumane i-CPA okanye uchwepheshe wezentela obizwa ngokuba yi-PFS kunye nokusebenza ngokuthe ngqo kwindlela yokucwangcisa irhafu enokuxutyushwa kweli nqaku okanye umcwangcisi wokuthatha umhlalaphantsi osebenza ngokuzimeleyo, unemvelaphi yerhafu kunye nenkqubo ekhoyo ukuchonga irhafu mathuba o cwangciso.