Ixesha elifutshane elizuze iNgxowa-mali ePhathelene neNkxaso-mali yeNqununu
Kutheni le mivuzo emfutshane yenkxaso- mali iyancipha kakhulu kunokuba i-short-term gain?
Ukunikezelwa kwemali emfutshane kwexesha elifutshane kuthathwa njengengeniso eqhelekileyo kwaye, ngokungafani nokuzuza kwexesha elifutshane, ayikwazi ukuhlaziywa yintlawulo yelahleko. Masiqwalasele ngakumbi.
Yiyiphi i-Capital Gains Distribution?
Unyaka ngamnye, abaxhamli-mali be-joint fund bajongene nethemba lokufumana imali eyinzuzo eyinzuzo kwimali yabo. Ezi ntlawulo zentengo-ntlawulo ziyimpembelelo yokuthengiswa kweemali zentengiso kwi-fund. Ngokomzekelo, ukuba i-fund efanayo ithengisa i-General Electric holdings, inyanzelekile ukuba isasaze i-95% yentengiso kuloo ntengiso ukuxhasa abanini-mali.
Ngaphandle kokuba imali yakho yokubambisana ibanjwe kwi-akhawunti echazwe ngerhafu (umz., 401k, 403b, IRA), abanini-mali bezabelo kufuneka bahlawule irhafu kule miba.
Iminyaka emide kunye nexesha elifutshane elizuzwayo
Ukuba i-fund efanayo ithengisa izabelo ezinemali yeenyanga ezili-12 okanye zincinci, nayiphi izuzwana ngenxa yolu hlobo lithengiswa "i-short-term gains capital" kwaye isasazwa kubanini-zimali njengenkxaso-mali yexesha elifutshane.
Ukuba, nangona kunjalo, i-fund fund iyathengisa izabelo ezinezigidi ezingaphezu kwe-12, nayiphi na izuzwana ngenxa yokuthengiswa ihlelwa njengengeniso "eyinzuzo yangexesha elide" kwaye isasazwa njengenkxaso-mali yesikhathi eside.
Oku kuqondakalayo, kodwa oko ungayifumaniyo ukuba abanini-mali banokujamelana neendleko zexesha elide kunye nexesha elifutshane lokufumana iimali ngenxa yesabelo seengxowa-mali ezithile, kungakhathaliseki ukuba ube neengxowa-mali ezingakanani kwi-fund .
Khumbula, ixesha elifanelekileyo lixhomekeke kwixesha lokubambisa imali kwiimali ezibambisene neengxowa-mali, kungekudala ukuba umnikazi wesabelo somxhaso-mali ugcine ixesha elilodwa.
Kutheni Kuzo zonke iingxabano malunga neNkxaso-mali yoTyalo-mali ePhatshane?
Ukwahlukana phakathi kwexesha elifutshane elizuzayo kunye neendleko zexeshana ezizuziweyo zexesha elifutshane kukubangela ukuba zonke iingxabano kunye nokudideka. Ngokomzekelo, ukuba unayo ingxowa-mali yokubambisana kweenyanga ezimbalwa uze uthengise ukufumana inzuzo, ufumene i-short-term gain capital. Ukuba awunalo ukulahlekelwa okwaneleyo ukucima le ntlawulo, umphumo wenetha lizuze ixeshana elifutshane kwaye uza kufuneka uhlawule irhafu yerhafu yengeniso ngokuqhelekileyo kwimali oyenzileyo ngenxa yokuthengiswa. Kule meko oye wazuza ngayo ekuthengeni nasekuthengiseni izabelo kwi-fund, uyakwazi ukusebenzisa nayiphi na i-short-term gain you can realize against other losses capitals to reduce your debt tax.
Kubalulekile ukwazi ngenxa yokuba akusiyo imeko xa kufikelele kwi-short-term gains allocation from a joint fund. Endaweni yoko, ukuba unayo i-fund efanayo ekufundiseni ukuba ufumane i-short-term gains distribution , ke kufuneka uyixele kwingxelo yakho yerhafu njengemali engenayo.
Ngokungafani nokuzuza kwexesha elifutshane-mali, ukulahlekelwa kwemali-mali akuyikucima i-short-term gains gains distribution kunye nokunciphisa uxanduva lwakho lwerhafu.
Ngaphantsi kweeNkcazo zoNyaka-mali eziNcinci
Ayikaqinisekanga ukuba le nkxwaleko malunga neengxowankulu zentengo-mali-futshane ngokuchasene neendleko zenkxaso-mali ezifutshane? Cinga ngako ngale ndlela - kunokukhawuleza kube yinkinga ngendlela oye wacwangcisa ngayo ukunciphisa ityala lakho lerhafu usebenzisa i- tax-loss lossing strategies okanye utyalo -mali kwiimali ezifanelekileyo .
Ukuba wena okanye umcebisi wakho wezezimali ukholelwa ukuba ukunikezelwa kweemali zentengo-futshane kufana neentengo zexeshana zexesha elifutshane, ngoko unokumangaliswa ngokukhawuleza ngexesha lokuhlawula irhafu, xa unetyala elingaphezulu kweentlawulo kunokuba uceba.
Qaphela kwakhona: Izinto ezili-10 eziphezulu zokukwazi malunga neRhafu yeRhafu yeMali