Izindleko zeNtengo Awuzange Uzibuze
Akukho mtyalo-mali utyalela ukuhlawula irhafu engaphezulu xa kuyimfuneko xa ukhetha imali. Kodwa i-capital benefit distributions ingakubamba ukuba ungayiqhelanga ukuba awuqhelani noko bakuyo kunye nendlela abasebenza ngayo.
Zifundise ngoku ngokuphathelele kwimali eyinzuzo eyinzuzo kwaye ube ngumtyalo-mali ongcono.
Indlela iMali ye-Mutual Fund eyinzuzo ngayo Intlawulo eyenzekayo
Unyaka ngamnye, ngokuqhelekileyo kwiinyanga ezimbalwa zokugqibela zonyaka, abanini- mali babambisene nabo bafumana ithuba lokufumanisa imali eyabelwe kwiimali zabo. Kodwa ezi zinto azizuzi kakuhle.
Ezi mpahla zentengo yenkxaso yintlawulo yintlawulo yokuthengisa amasheya enye okanye ngaphezulu kwebhanki kwi-year taxable. Ukuba umphathi wezezicwangciso unquma ukuthengisa isitokethi ngenxa yokuguqulwa kweembono, okanye nokuba ingxowa-mali kufuneka imane iphakamise imali yemali yokuhlawulelwa kwabanini-mali (ukuba umnini-mvume uthengisa amasheya enkxaso-mali), ukuba isitokhwe sithengisa phezulu kunokuba i-fund ithenge oko, i-fund kufuneka isasaze ubuncinane ama-95% eenzuzo kubanini-mali.
Ukunikezelwa kwemali eyinkunzi kuhlawulwa kubanini-mali kubanini-mali ngaphandle kokuba i-fund inikwe kwi - akhawunti ehlawulwe irhafu (IRA, 401k, njl.).
Ngokomzekelo, masithi XYZ Mutual Fund uthenge izabelo eziyi-100,000 zesitokisi kwiminyaka engama-20 edlulileyo i-$ 1.
Le ngxowa-mali ithengisa ii-100,000 izabelo namhlanje ngee-50 zama-50, ezikhokelela ekuzuzeni ixabiso lemali elide le-$ 49 ngesabelo ngasinye. Le ngxowa-mali iya kubela igalelo kubanini-mali abanamhlanje kwaye abanini-zimali kufuneka babike ingeniso kwimbuyekezo yabo yentlawulo yerhafu .
Uxabiso loQoqosho lweNkunzi-mali lufumana njani ukusabalalisa?
Nangona kubonakala ngathi kulungile ukufumana ukufumana inzuzo eyinkunzi, akukho ngokwenene akukho xabiso loqoqosho kwi-distribution.
Ngokomzekelo, ukujonga phambili kwi-XYZ Mutual Fund yokusabalalisa:
- Unayo izabelo ezi-1 ze-XYZ Mutual Fund. Le ngxowa inexabiso lexabiso lempahla (NAV) ye-$ 10 ngesabelo ngasinye. Utyalo-mali lwakho kwingxowa mali lilingana ne-$ 10,000.
- Ixabiso elipheleleyo lokubamba kwakho kwingxowa-mali yi-$ 10,000 (amawaka angama-1 kwi-10 yeesabelo ngasinye) kwaye ubuyisela yonke imali eyinzuzo kunye negalelo.
- Le ngxowa-mali ihambisa i- long-term gain gains as described in the previous example. Inkxaso-mali yexesha elide ekuthengiseni imfuyo kumzekelo wangaphambili i-10% yexabiso lexabiso lexabiso lexabiso lemali okanye i-$ 1 ngesabelo ngasinye.
- Abanini-nxaxheba berekhodi ngomhla wokurekhoda baya kufumana i-$ 1 kwisabelo ngasinye abababo kunye ne-NAV ye-fund iya kuncitshiswa ngu-R16 kwi -date-dividend date .
- Ngenxa yoko, ufumana i-$ 1,000, ebuyiswa ngokuzenzekelayo kwingxowa-mali.
- Ukucinga ukuba akukho tshintsho kwixabiso lemarike, usenayo i-$ 10,000 yengxowa-mali.
Njani? I-NAV yeNgxowa-mali iyancishiswa ibe yi-$ 9 ngokusasazwa kwemali eyinzuzo ye-$ 1 kwaye ubuye ubuyisela inzuzo yokunika inani elingu-1,111.11 (i-$ 1,000 ebuyiswe kwakhona kwi-NAV entsha ye-$ 9 yokuthenga i-111.11 izabelo). Ukuba awuzange uvuselele inzuzo, uza kuba neenkulungwane ezi-1,000 kwi $ 9 kunye ne-$ 1,000 yemali. Ngayiphi indlela, unayo i-$ 10,000.
Njengoko kuthethwe ngaye ngaphambili, ezi ntlawulo zentengo-mali zinokubangela umrhumo weerhafu ukuba unayo imali edibeneyo kwi-akhawunti ehlawulwayo.
Izicwangciso zokuhlala phantsi (IRAs, 401ks, njl. Njl.) Azichaphazelekanga ngemali eyinzuzo. Gcinani engqondweni, ukubuyiswa kweengeniso kwongezwa kwisiseko sakho seendleko - ukunciphisa inzuzo yakho yerhafu xa ekugqibeleni i-fund idayiswa.
Ukuba unayo imali edibeneyo kwi-akhawunti ehlawulwayo ungafuna ukugxila kwiimali eziphantsi kwe-returns, ezibandakanya iimali zenkcazo kunye neengxowa -mali eziphathekayo zentlawulo (nangona ezinye iimali ezilawulwa ngempumelelo zinexabiso eliphantsi). Ngaphandle koko, kufuneka uqikelele ukuvakashela iwebsite yenkampani yenkxaso-mali ukususela ngo-Oktobha ngamnye kunyaka ukuqinisekisa ukuba kwaye kuza kubakho ukunikezelwa kwemali.
Ukuba ulwabiwo lukulindeleke ukuba lukhulu, kufuneka uqikelele ubuncwane kunye neentsilelo zokuba neengxowa-mali . Eneneni, unokufuna ukuthengisa i-fund ukuze ukhuphe ukuhanjiswa. Ukuba uthengisa i-fund ukuze ugweme ukusasazwa, qaphela ukuba xa uthengela i-fund emva kweentsuku ezingama-30 (mhlawumbi kwi- akhawunti yakho ehlawulwayo okanye kwi-IRA yakho), uya kuqhuba i- IRS yokuthengisa imigaqo yokuthengisa .