Akhawunti-emva kweRhafu
Iidola zerhafu emva kokuba zilula kakhulu ukuyiqonda. Ukuba ufumana imali, hlawula irhafu yengeniso kuyo, uze uyibeke kwenye uhlobo lwe-akhawunti, okanye uthenge utyalo-mali kunye nayo, uye wasebenzisa iirhafu zerhafu.
Ezi ntlobo ze-akhawunti zingabakho ukugcina imali, i-akhawunti ye-brokerage, okanye i-akhawunti ye-fund.
Isamba sokuqala otyalo-mali sibizwa ngokuba sisiseko seendleko, okanye inqununu. Xa ufaka imali yerhafu emva kwerhafu (imali engeyiyo yomhlala-mali), uhlawula irhafu kwiphina inzuzo yokutshala imali ngaphaya nangaphezulu kwexabiso lakho lotyalo-mali lokuqala.
Xa usebenzisa imali yentela emva kokuthenga utyalo-mali oluthembisa ukubuyiswa kweentlawulo zentengiso ngefom izahlulelo ezifanelekileyo kunye neengeniso zengqesho elide, unokuhlawula irhafu encinci kwixesha elide-le ntlawulo yengeniso-mali iyaxhomekeka kwisilinganiselo serhafu esezantsi - kwaye kwezinye iimeko, i-long-term gain gains are not taxed at all.
Xa unemali kwi-akhawunti yerhafu emva kwexesha uza kufumana ifomu ye-1099 yentlawulo evela kwisiko lakho lemali ngamnye ngonyaka. Ifom ye-1099 iya kukubonisa inzala engenayo, inzuzo yengeniso kunye / okanye inzuzo eyinzuzo kulo nyaka. Ezi zinto zentlawulo yengeniso kufuneka zichazwe ngokubuyela kwerhafu yakho ngonyaka.
Iidola zerhafu emva kokuba zitsalwa malunga nantoni na: i-CD, i-akhawunti yokulondoloza, imali edibeneyo, iimpahla, iibhondi, i-real estate, i-annuities, nokunye okuninzi.
Akhawunti zeRhafu
Iidola zangaphambili zerhafu kuthetha imali okanye umqeshi wakho abeke kwii-akhawunti ze-retrait ezifana ne- IRAs , 401 (k) izicwangciso, okanye ezinye izicwangciso zomhlalaphantsi ezifana neepenshini, i-akhawunti yokwabelana ngenzuzo, izicwangciso ze-457 okanye i-403 (b) izicwangciso.
Awukhatywanga irhafu kule mali.
Ngokomzekelo, ukuba ingeniso yakho ehlawulwa irhafu iya kuba yi-$ 40,000 kwaye ubeka i-$ 2,000 kwi-akhawunti yangaphambili yentela njenge-IRA echithwayo, ngoko imali yakho engenayo ingxelo ehlawulwayo loo nyaka yayiyi-$ 38,000.
Imithetho ye-IRS ikuvumela wena kunye / okanye umqeshi wakho ukuba abeke kuphela inani elithile (e lihluka ngohlobo lwe-akhawunti) kulezi zithuthi zangaphambili zerhafu.
Iimali zangaphakathi kwi-akhawunti engaphambi kweerhafu zikhula zihlawulwe irhafu, ngoko ke awufumani ifomu ye-tax 1099 ngonyaka, kwaye awufanele uhlawule irhafu kwimali engenayo, inzuzo yengeniso kunye / okanye i-earnings earned until njengoko uthatha ukuhoxiswa. Ukumiselwa kwemali yerhafu kulungile kuba ufumana inzala kwimali oya kufuneka uhlawule kuMalume Sam.
I-downside ye-akhawunti yangaphambili yentlawulo yinto yokuba awufumani ithuba lokusebenzisa amaxabiso entlawulo aphantsi asebenzayo kwiimali ezahlukileyo ezifanelekileyo kunye neenzuzo zexesha elide. Ingeniso yezobalo-mali ngaphakathi kwee-akhawunti zangaphambili zerhafu zonke zihlawuliswa ngendlela efanayo - njengengeniso eqhelekileyo xa ihoxiswa.
Ngelo xesha njengoko uthabatha i-IRA yokurhoxiswa kwi-akhawunti yangaphambili yentlawulo, ukurhoxiswa konke kuya kuba yerhafu yokuhlawulwa kwinyanga yonyaka oya kuthatha yona (ukutshintshwa kunye neerllovers xa kwenziwe ngokufanelekileyo akubalanga njengezihoxiso).
Kufuneka ukuba i-akhawunti yomhlala-phantsi ngaphambi kokuhlawula irhafu kufuneka ibe nomlondolozi . Umsebenzi wokulondoloza ukunika ingxelo kwi-IRS inani elipheleleyo leminikelo kunye nokuhoxiswa okwenziwe okanye kuthathwa kule akhawunti. Umlondolozi, okanye isikhungo sezemali, esigcina i-akhawunti yakho engaphambili yentela izakuthumela kunye ne-IRS ifomu ye-1099-R yerhafu naliphi na unyaka owathabathayo. Ukuba uthatha ukurhoxiswa kwi-akhawunti yangaphambili yentela (ngokubanzi phambi kwe-59 / 1/2) ngoko irhafu yerhafu yokuthoma ingasetyenziswa ngokubongeza kwerhafu yengeniso ngokuqhelekileyo kwimali ehoxisiweyo.
Kwi-akhawunti engaphambi kweerhafu, ungathenga iintlobo ezininzi zotyalo-mali ezifana ne-CD, i-annuities (ezichanekileyo, ezitshintshayo okanye ezikhawulezayo), iimali eziphathekayo, iimpahla kunye nezibophelelo. Umqeshi wabamba i-akhawunti engaphambi kweerhafu njengama-401 (k) izicwangciso zinganciphisa utyalo-mali okhoyo kwi-uluhlu olukhethiweyo lwengxowa-mali.
IiAkhawunti eziThathwe kwiRhafu
Unako kwakhona ukuba neakhawunti ezinokudibanisa kweerhafu zangaphambi kwentela kunye nentela emva kwentela. Zibizwa ngokuba yi-akhawunti ehlawulwe irhafu.
Iingxelo ezikhethiweyo zerhafu zixhaswa ngeerola zerhafu, kodwa emva kokuxhaswa ngemali, njengama-akhawunti angaphambi kweerhafu, akufanele uhlawule irhafu kwimali engenayo, inzuzo yengeniso, kunye / okanye inzuzo eyinzuzo efunyenwe de kubekho ku rhoxiswa. Ingeniso yentengo-mali ityunjwa kuze kube yilapho ihoxiswa - nangona kunjalo, njengokuba kunjalo ne-akhawunti yentela, i-downside yinto yokuba yonke ingeniso yenzalo ihlawuliswa ngendlela efanayo xa ihoxiswa - njengenzuzo eqhelekileyo.
Uhlobo oluqhelekileyo lwezithuthi zokulondolozwa kweerhafu ezixhaswe ngerhafu zichanekile kwaye ziyahlukahluka, kunye nee-akhawunti ze-IRA ezingenakudalulwa.