Imali elawulwa yerhafu ikubeka ekulawuleni ixesha lokuzuza
Ukusetyenziswa ngokufanelekileyo kweemali ezilawulwa ngerhafu kusebenza ukuba unayo i-akhawunti ye-brokerage, okanye utyalomali kwiimali ezihlangeneyo, iimpahla, kunye neebhondi ezingekho ngaphakathi kwe-akhawunti yomhlalaphantsi. (Ngokutshala imali yakho kwi-akhawunti yomhlala phantsi njenge-IRA okanye i-401 (k), zonke iimali zithengiswa irhafu , ngoko ke akudingeki ucinge ngeerhafu uze ufike kwindawo apho uya kuthatha ihoxiso. ) U
Imali elawulwa yerhafu ikubeka ekulawuleni xa unika irhafu kwiintlawulo ngenxa yokuba ihambisa ininzi yexabiso layo eliyinkunzi ngendlela engafanelekanga. Oku kuthetha ukuba awuhlawuli irhafu uze uthengise izabelo ze-fund. Makhe sibone indlela oku kusebenza ngayo.
Kukho iintlobo ezimbini zeengeniso zentengo uza kuzalisa kwizabelo zakho zentlawulo.
- Iintlawulo zeNtengo kwiNtengiso yeeNgxowa-mali
Xa uthengisa izabelo zeengxowa-mali, xa uthengisa ngaphezu kokuhlawulwa kwakho, uya kuqonda ukuba ixeshana elifutshane okanye i-long capital gain. Kulabo abakwi-10 okanye ye-15% yokukhangela irhafu, ipesenti zerhafu inzuzo yentlawulo yerhafu iyasebenza kwinani elithile leenzuzo ezifihliweyo. Abaninzi banethuba lokuthengisa izabelo zeemali zabo ngexesha lonyaka apho izinga labo lokuhlawula irhafu liphantsi, ngoko ke ukuhlawula ngokupheleleyo akukho ntlawulo kuwo onke amaxabiso! - Iimali ezifakwe kwiinkalo ezinikwe ngamnye ngonyaka
Ngaphakathi kwesikhwama sokubambisana, xa isikhwama sithengisa iifowuni okanye iibhondi ezifumana inzuzo, ukuba inzuzo kufuneka idluliselwe kuwe njengengumnini-mali wesigxina. Nangona unayo yonke inzuzo yakho yemali kunye neengeniso ezibuyisiwe, uya kufumana ifom ye-1099 ebonisa inani lemali, kwaye kuya kufuneka uxelele inzuzo kwirejista yakho yerhafu kwaye uhlawule inani elifanelekileyo leerhafu. Uninzi lweemali luhambisa le ntlobo yeengeniso zentengo yangaphakathi ngasekupheleni konyaka. Oku kuthetha ngeemali ezininzi zomntu uza kuba nexabiso elithile leenkunzi zemali ukunika ingxelo ngunyaka ngamnye nangona awuzange uthengise nayiphi na isabelo se-fund .
Iimali ezifakiweyo zingakwazi ukwandisa ngokungekho ngokuYilwayo iBhili Yakho yentela
Uhlobo lwesibini lwenzuzo luhlala lubizwa ngokuba yinzuzo ehlanganisiweyo, kuba nangona unayo i-fund kuphela ngexesha elifutshane, unokuphela ukufumana ukuthengiswa kwenzuzo enkulu kunye nokuhlawula irhafu. Oku kwenzeka ntoni? Ingxowa-mali iyathengisa i-stock ixesha elidlulileyo; ixesha elide ngaphambi kokuba ube ngumnikazi wale ngxowa-mali.
Ngoku bayayithengisa. Nangona unayo i-fund kuphela ixesha elifutshane, uya kuthatha inxaxheba kwisabelo sakho sokulinganisela kwenzuzo enkulu kwi-stock.
Iimali ezilawulwa ngerhafu ziNciphise ukuThunywa okuPhunyeweyo
Ingxowa-mali elawulwa yerhafu ilawulwa ukunciphisa iindleko zokufumana imali. Ngaphakathi kweengxowa-mali, basebenza ukuvuna ilahleko ekunciphiseni iimali - kunye nesiphumo sokugqibela xa ubona ukuzuza kwakho kuyenzeka ngokubukela ukwanda kwexabiso leengxowa-mali (uhlobo lokuqala lokufumana inzuzo ekhankanywe ngasentla), kunokuba ube nexabiso elikhulu lemali yonyaka. izabelo ezibikwe kwifom ye-1099. Njengoko ulawulwayo xa uthengisa izabelo, ngoku unakho ukulawula ngaphezulu kunyaka werhafu apho ezo ngxelo zibikwa khona.
Iimali ezilawulwa ngerhafu nazo zizama ukunciphisa ezinye iifom zokwabiwa kweerhafu ezinjenge-interest and dividend income . Ngokomzekelo, i-fund efanelekileyo elawulwa ngerhafu, eneempahla kunye nezibophelelo, ziya kubakho izibophelelo zikamasipala, ezivelisa inzala engenakho irhafu yengeniso.
Imali elawulwa yerhafu ikubeka ekulawuleni xa uqaphela i-capital income. Oku kubaluleke kakhulu kumhlalaphantsi. Awufuni umrhumo werhafu wenyameko, kwaye ukwanda kamsinya kwerhafu yakho yerhafu kunokukwenza ngaphezulu koKhuseleko loLuntu lweNtlawulo .
Ukongeza, njengoko kukhankanywe, kulabo abakwi-15% okanye iibhakethi zerhafu ezantsi, kukho ireyiti yentlawulo yexabiso lentlawulo kwi-long-term gain. Ngokusebenzisa i-fund elawulwa yerhafu, unokulawula xa izuzwana lwenzeka ngokuthengisa amasheya e-fund xa unyaka werhafu apho inzuzo ayiyi kuhlawulwa.
Ukusetyenziswa ngokufanelekileyo, imali edibeneyo yerhafu ingaba yindlela yokufumana ingeniso yerhafu kumhlala phantsi.
Kuphi ukufumana iNgxowa-mali efanelekileyo
Iinkampani ezininzi zemali zenkxaso zinikela ngemali ekhethiweyo "njenge-tax management-managed". Ngokomzekelo, iVanguard inikezela ngengxowa-mali elawulwa ngerhafu, i-fund yangaphandle, i-fund-cap fund, kunye nokunye.
Nangona awukhethi ikhefu elawulwa ngerhafu unako ukutyalo-mali ngokuchanekileyo ngokusebenzisa imali yenkcazo kunye neenkcukacha zenkxaso-mali yokuthengiselana. I-iShares, umzekelo, ichaza ukubaluleka kobuchule beerhafu kwiphepha leSatifikethi seThafu.