Isikhokelo soTyalo-mali esitsha sokuqonda ukuzuza kweNtengo-mali kunye neNtlawulo yeNtlawulo
Kubalulekile ukuba bonke abatyali-mali abatsha baqonde ukuzuza kwempembelelo kunye negalelo lentlawulo-ntlawulo edlala kwi-portfolio yakho. Ngokumane ubambe impahla kwiintlobo ezithile zee-akhawunti, okanye uqinisekise ukuba ufikelele kwixesha elithile lokugcina ixesha, unokukwazi ukugcina amashumi amawaka eedola okanye ngaphezulu kwiirhafu zentengo eyayiza kuhlawulwa! Yimali ephelela ephaketheni lakho kwintsapho yakho, kunokuba ithunyelwe eWashington, DC ndihlanganisa le ncwadana ekuzuzeni imali ekuncedeni ukuqonda ezinye zezinto ofuna ukuziqonda nokuziqonda ngaphambi kokungena kwi-investing.
01 Iingxowa-mali eziPhambili zeNtengo
Ngaphambi kokuba uqale ukuqonda indlela yokunciphisa ixabiso lakho leentlawulo ezinkulu , kufuneka uqonde ukuba yiyiphi imali eyinzuzo kunye nendlela abaphathwa ngayo ngokwaseburhulumenteni kuxhomekeke kwinto enayo. Isingeniso esifutshane senzelwe ukukunceda ufunde ezo zinto ezisisiseko phantsi kwemizuzu emibini.
02 Inkcazo yeNyathelo-nyathelo-mali kwiNkxaso-mali yokuThola iNtlawulo
Ingaba uza kuhlawula phi ixabiso lentlawulo xa uthengisa isitokisi, isibophelelo, isikhwama, igolide, isiliva, umsebenzi wobugcisa okanye i- estate ? Konke kuxhomekeke. Esi sicwangciso senyathelo-ngenyathelo kwi- rates yentlawulo yexabiso lentengo yenzelwe ukunika uluvo olugqithiseleyo lokuba ufuna ixesha elingakanani ukuba ube ne-asethi ukuze ufanele ukufumana unyango lwentlawulo ephantsi. Unokumangaliswa yinto oyifumanayo. I-Gold, umzekelo, ayihlawulwanga njengotyalo-mali, kodwa i-collectible, phantse kabini izinga lesitokisi !
03 I- Capital Beneins Taxing Iimviwo zexesha
Ngaba wayesazi ukuba ubude bexesha obambelayo kunye notyalo-mali lunokuba nefuthe elikhulu kwiintlawulo zentlawulo yexabiso elipheleleyo elimele i-IRS ekupheleni konyaka? Kwezinye iimeko, ukubamba isitokisi , ukukhonkxa okanye ukuxhasana ngemali kwiintsuku nje ezimbalwa kunokukugcina amawaka ezigidi zeedola. Le ngongoma ebaluleke kakhulu kubalulekile ukuba uqonde, ngakumbi ukuba uzuze utyalo-mali okanye ubeka imali kwixesha elizayo elizayo.
04 Kutheni Ufuna Ukwesaba Iingxowa-mali eziTyikityo-mali zithengisa uMthetho
Ukuba awuyinyameki, unokubangela ukuba i-capital income iyayigcina ukuthengiswa komthetho kwaye uzenze uthabathe inkokhelo yerhafu apho ungazange uvumeleke ngokungazifumani! Ukuba awukwazi ukuhlawula ukuthengiswa komgaqo okanye ukutshintsha kwentlawulo yakho yentlawulo yengeniso, thoba ixesha lokufunda le ngcaciso emfutshane. Inokukunceda ukuba ugweme ukwenza iphutha elibi kakhulu.
05 Ngaba Uyazi ukuba Unokupheka ukuhlawula iRhafu yeMali yentlawulo ngokunikela ngemali yakho?
Enyanisweni, akukhona nje amasheya. Unokuphepha ukuhlawula irhafu yentlawulo ngokunikela malunga nayiphi na impahla, kuquka i-real estate, imali kunye okanye iimbophelelo, kwi-intando yakho ye-501 (c) 3 inceba. Oko kuthetha ukuba imali ethe xaxa iya kwizinto ezizithandayo esikhundleni se-IRS. Kukho imigaqo ofuna ukuyilandela, kodwa ukuba unotyalo- mali olungileyo kwaye ufuna ukuxhasa isizathu esifanelekileyo kunokuhlawula irhafu yentlawulo yexabiso, nantsi ezinye iindlela ongayenza ngayo.
06 Musa ukuzibandakanya kwiCult Gains Cult!
Izindleko ezinkulu zikhulu! Akukho nto ingcono kunokuthenga into ye-$ 20 nokuyithengisa i-$ 150. Sekunjalo, kukho ubungqina obonisa ukuba phantse zonke iintengiso zeemasheya zivela kwizabelo ezibuyisiwe . Imarike yenkomo eyabaleka ukusuka ngo-1982 ukuya ku-2000 yaqinisekisa abaninzi abatyalo-mali ukuba impumelelo yabo ixhomekeke kwimali eyinzuzo kuphela. Akukho nto ingaba yinyani kwi nyaniso. Andikwazi ukugqitha ukubaluleka kokufunda le sifundo. Yeka oko wenzayo kwaye ufumane inyaniso malunga neenzuzo ezinkulu kunye nendima abayidlalayo kwimbuyekezo yakho .
07 Ukufunda ukubala Ixabiso elipheleleyo lokubuyisa imali yakho
Ukuze ukwazi indlela oqhuba kakuhle ngayo xa kuziwa kutyalo-mali, kufuneka ufunde indlela yokugcina amanqaku. Kukho amanqaku amabini okubaluleke kuwe njengomtyalo-mali omtsha: 1. ukubuyisela inani , kunye no-2. kwinqanaba lokukhula kwonyaka . Bobabini kulula ukufunda kwaye i-capital earnings inzuzo yakho ekutyala imali ibonisa inxalenye ebalulekileyo yokubala. Ngemizuzwana embalwa, uya kufumanisa indlela yokwenza ezi zibini izibalo ngokwakho, ukubeka phambi kwezona zininzi zezimali.
08 Ngaba Uyazi Ukuba Unokunyanzeliswa Ukuhlawula Umvuzo Wentlawulo?
Yinyani. Ukuba iinkwenkwezi zilungelelanisa kakubi kwaye kwenzeka ukuba uthenge izabelo zenkxaso-mali edibeneyo eyakhele i-capital income , kungenzeka ukuba unyanzelekile ukuhlawula irhafu yeentlawulo ngaphandle kokulahlekelwa yimali! Ukuze ugweme le ntlekele, khangela iindlela onokuzikhusela ngayo .
Isicwangciso-mali soPhuhliso lweeNkunzi zeMpahla
Kukho isicwangciso- mali esisodwa esilula ukuyisebenzisa kwaye sinokusindisa iitoni zemali kwiirhafu zentengo . Wonke umtyalo-mali omtsha kufuneka afunde kwaye asebenzise ukusebenza kwipotfoliyo yabo. Yintoni le migaqo yomlingo? Ubizwa ngokuba yi- aseset placement . Ngokubeka iintlobo ezithile zotyalo-mali kwiintlobo ezithile ze-akhawunti, kunokwenzeka ukuba uzigcinele iindleko zerhafu ezinkulu zentlawulo .