Funda ngeeNzuzo ze-ETF ze-Return Tax Tax
Enye inzuzo enkulu ye-ETF yintlawulo yerhafu ephethe i-fund. I-ETF zenzeke ngaphezulu kwentela ngenxa yokwakhiwa kwazo kunye nendlela i-IRS ebabeka ngayo. Ngokukodwa, iintlawulo zeentlawulo zentengo zifumaneka kuphela kwi-ETF xa lonke utyalo-mali lithengiswa ngelixa i-fund efanayo ityala irhafu yengxowa yonke ixesha i-asethi kwingxowa-mali iyathengiswa.
Intlawulo yeMutual Fund
Nanini na xa uthengisa i-asethi yengeniso, urhulumente ufuna igalelo layo le-pie.
Ierhafu kule nzuzo iyaziwa njenge- tax revenue tax . Ukuba wenza imali, urhulumente wenza imali.
Ekubeni i-asethi kwingxowa-mali yabambisene iqhutywe ngamandla ngumphathi wezikhwama, naliphi ixesha xa kuthengiswa amanani ngenzuzo, irhafu yentlawulo yerhafu kufuneka ihlawulwe. Ngethuba lexesha, ezinokuthi zongeze kwiindawo ezininzi zokuhlawula irhafu rhoqo.
ETF Taxes
Kukho irhafu yentlawulo ehlawulwayo ekuthengisweni kwentengiso ye-ETF kwakhona, kodwa ngohlobo olukhulu. Inkunzi yentlawulo yerhafu kwi-ETF ihlawulwa kuphela xa i- ETF yonke ithengiswa, kungekhona ngelixa ubambe i-ETF.
Ngelixa ii-ETF zeempahla zingabandakanyekanga ngokulinganayo njengezilinganayo kwiimali zentsebenziswano, kunokubakho iisitokethi kwi-ETF ekufuneka iguqulwe okanye ithathelwe endaweni ngenxa yokulungiswa. Nangona kunjalo, iirhafu malunga nayiphi na imali evela kwiivenkile zithengiswa ukuba i-ETF yonke idayiswe. Naliphi na ixesha onokubambelela kuyo imali yakho yinto elungileyo. Inyoni esandleni.
Imirhumo kwi-ETF Dividends
Ngokumalunga neerhafu ezivela kwi-ETF ezahlukileyo , izinto zihluke kakhulu. Kukho iintlobo ezimbini zee-dividends ezifakwe kwi-ETF. Izahlulelo ezifanelekileyo kunye neengeniso ezingafanelekanga. Ukuze isabelo se-ETF sihlawuliswe njengoko sifanelekileyo, ukulingana kwingxowa-mali ehlawula isahlulo kufuneka kube ngumnini-mali-mali kwiintsuku ezingaphezu kwe-60 ngeli xesha leentsuku ezingama-121 eziqala iintsuku ezingama-60 ngaphambi komhla wokuhlawula.
Kwakhona, ayikwazi ukuba kuluhlu olungenakuthatyathwa uluhlu kwaye kufuneka luhlawulwe yi-US okanye iqumrhu elithile eliqhelekileyo.
Ireyithi yentlawulo kwizabelo ezifanelekileyo zivela kwi-5% ukuya kwi-15%, kuxhomekeke kwizinga lakho lentlawulo yengeniso. Ukuba unomvuzo werhafu engeniso ye-25% okanye ngaphezulu, uhlawulelo lwakho olufanelekileyo luhlawuliswa kwi-15%. Ukuba izinga lakho lokurhafelwa kwentlawulo lingaphantsi kwama-25%, izabelo zakho ezifanelekileyo zihlawuliswa kwi-5%.
Kwimeko yoluhlu olungagqibekanga, iintlawulo ezingenakuhlangabezana neziqinisekiso ezixoxwa ngasentla kwaye izahlulelo ukuba urhulumente akaqwalaselanga amaxabiso okwenyani. Eminye imizekelo ibandakanya igalelo kwiimarike zemarike zemali, izabelo zenkxaso-mali yexeshana zengxowa-mali, inzala evela kwimanyano yakho yekhredithi, izabelo kwi-IRA yakho, kunye neentengo ezivela kwi-REIT (i-real estate investment trusts). Kwimeko yeengeniso ezingahlawulwanga, ezi ntlawulo zihlawulwa irhafu yengeniso yakho evamile. Ngoko ukuba unayo izabelo ezingafanelekanga ezivela kwi-ETF kwi-portfoliyo yakho, ngoko baya kuba nomthwalo onzima kakhulu kunemilinganiselo evumelekileyo yesiqhelo kwezi ziqinisekiso.
Ngoko ayikho inzuzo yerhafu kwiingeniso ezingagqibekanga ezivela kwi-ETF, kodwa kukho iinzuzo zamatyala aneemfanelo ezifanelekileyo.
Yokugqibela yokubuya
Ekugqibeleni, i-ETF inamalungelo amaninzi eerhafu ngaphezu kwengxowa-mali.
Iimali zengxowa-mali zihlala zifumana iirhafu ezingaphezulu kweentlawulo ezingaphezu kwee-ETF ngenxa yobunzima bemisebenzi yorhwebo. Kwakhona, irhafu yerhafu yokufumana i-ETF imisiwe kuze kube yilapho kuthengiswa kwemveliso, nangona kunjalo, ingxowa-mali iyabandakanya irhafu ngexesha lobomi botyalo-mali.
Kwaye ezi nzuzo azigcini nje kuphela kwi-ETFs, kodwa kwi-ETNs (ukutshintshiselana amanqaku athengiswayo ngokunjalo). Kwaye njengokuba kukho nayiphi na imali-mali, kubalulekile ukwazi zonke iimpembelelo ezibandakanyekayo. Ngaphambi kokuba uqalise nge-ETF , qiniseka ukuba uyaqonda ukuba baya kuthintela njani ukubuyiswa kweerhafu.