Cinga iziphumo zerhafu ngaphambi kokutyalomali
Kukho iindawo ezimbini zerhafu zokutyalomali kwiisitokethi: ii-akhawunti zomhlala-phantsi ezifanelekileyo kunye nee-akhawunti eziqhelekileyo. Ngokuqinisekileyo uya kuba notyalo-mali kwiimeko zombini.
IiAkhawunti zeRhafu zokuQala
Ama-akhawunti afanelekileyo omhlala phantsi, njengama- 401 (k) okanye i-Akhawunti ye-Retirement Individual, avumela ukuba imali yakho ikhule ikhefu ngaphandle kokurhoxiswa.
Iingxelo eziqhelekileyo ezifanelekileyo zivumela ukuba utyalomali imali ngaphambi kokuhlawula irhafu yengeniso. Oku kunciphisa i-bill yakho yangoku yerhafu.
Nangona kunjalo, xa uhoxisa imali ngomhlalaphantsi, uhlawula irhafu yengeniso rhoqo kwiminikelo yakho kunye nayiphi na imali.
I-akhawunti yaseRoth yokuthatha umhlalaphantsi ikuvumela ukuba utyalomle iirhafu zerhafu. Akunciphisi ibhajethi yakho yerhafu yangoku. Nangona kunjalo unako ukurhoxisa igalelo kunye nemali engenayo yerhafu ngexesha lomhlalaphantsi.
Ukuba ukholelwa ukuba uya kuba sekhokhini ephantsi yentlawulo ngexesha lomhlalaphantsi, ungcono kakhulu ngeakhawunti yomhlala phantsi. Ukuba ukholelwa ukuba uya kuba sekhredithi ephezulu yerhafu ngexesha lomhlalaphantsi, kufuneka uqwalasele i-akhawunti yeRoth.
Kukho izithintelo ezithile kwi-akhawunti yomhlala phantsi kunye ne-Roth, ngoko qhagamshelana nomcebisi wakho werhafu ngaphambi kokuthatha isigqibo malunga nendlela enokukhetha ngayo.
Utyalo-mali lwamaShishini angafanelanga
I-akhawunti yokutyalomali yokugcinwa kwe-stock ye-stock ineentlawulo ezimbini ezibalulekileyo zokuqwalasela. Ukuba i-stock yakho ihlawula igalelo , kufuneka uhlawule irhafu yentlawulo kwiintlawulo.
Ngokuqhelekileyo, irhafu kwizahlulo ngu-15%. Nangona kunjalo, loo nto ihlala ishintshe.
Olunye uhlalutyo lwerhafu luquka ukuthengisa isitokethi ngenzuzo okanye ukulahleka. Ukuba ubambe isitokethi iminyaka engaphezu konyaka, nayiphi na irhafu ihlawulwa irhafu kwixesha elide lemali eyinzuzo. Eli nqanaba libuye li-15% kwaye liyakutshintshwa.
Ukuba uthengisa isitokethi ngenzuzo kodwa ube ne-stock yesithuba esingaphantsi konyaka omnye, uza kuhlawula irhafu yengeniso rhoqo kwi-benefit. Ngokuxhomekeke kwibakethi yakho yentela, le nto ingaba ngaphezu kwe-15%. Njengamaxesha onke, khangela umcebisi wakho werhafu.
Kuthekani ukuba uthengisa ilahleko? Kwiimeko ezininzi, unokufaka isicelo sokulahleka kwexesha elide okanye elifutshane. Ezi lahleko ziyakuthi zisetyenziselwe ukunciphisa i- capital gain .
Kubalulekile ukuqwalasela imiphumo yerhafu yesityalo-mali sakho. Ngokuqhelekileyo, ngaphezulu ongayifaka kwi-akhawunti yomhlalaphantsi efanelekileyo, bhetele kuvela kwiteko yombono.
Nangona kunjalo, utyalo-mali lwakho luyingxenye enye yerhafu yakho. Umcebisi werhafu ofanelekileyo unokukunceda ukuba wenze isigqibo esona siqhinga esihle.